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Complete list of Credit Repair companies: has done extensive research to come up with the most complete exhaustive list of credit repair companies online. Below is a list of over 100 credit repair services. The credit repair companies listed below that feature a picture are credit repair companies that we found through our research to be the most credible. See our picks for the best credit repair companies

Sky Blue Credit Repair

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Sky Blue Credit
Sky Blue Credit is one of the top credit repair services in the entire United States. Sign up with this well branded and established company and sit back and relax as you watch your credit score soar 50 to 150 points or more. Expect to receive top notch customer service and support as you go through their program. Their website is very informative, clean and easy to navigate. The sign up process is one of the easiest that we have seen. This is by far one of the all-time go to companies when it comes to credit restoration. Take a moment and give Sky Blue Credit a call today at 888-968-6257. See our complete Sky Blue Credit review. We have picked Sky Blue as one of the best credit repair firms online. See our list of the Top 10 best credit repair companies.

Lexington Law Credit repair review

Voted by as a top 10 Credit repair company!

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Lexington Law
This is basically the mother ship of the credit repair industry. Lexington Law is the company that started it all. (We cannot confirm for sure who the very first credit repair company was online but we believe Lexington law to be one of the pioneers). Lexington Law does a lot of volume and has a huge staff but, they still somehow deliver promise of helping consumers realize deletions. Lexington Law is an experienced credit repair firm is a very strong choice if you are looking for a reliable credit repair company. They get it done time and time again. They offer stats on their website of the amount of removals they achieve each quarter. See our complete review of Lexington Law. Also wee our list of the top 10 best overall credit repair companies.

The Credit People Credit repair

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The Credit People - (Formally DSI Solutions)
The Credit People has the lowest start up fee in the industry at just $19. Their philosophy is that credit repair should not take a long time to achieve. Clients can get started for just $19 and they promise to repair your credit, satisfaction guaranteed, for just 3 easy payments of $89 after the $19 set up fee. There are no hidden fees or extra expenses because they will take care of everything for you. Their program was tailored so that clients can
see results within as little as 45 to 60 days from signing up. The Credit People are not new kids on the block as they have been in the business for over 10 years now and they can surely get the job done.  Read our complete The Credit People review.The Credit People also made our top 10 list of the best credit repair companies online.

Improve My Credit USA
When IMCUSA began, they realized that the #1 complaint BY FAR that they heard was a lack of communication. That is why they offer a 100% Communication Promise which includes an online Chat Support with extended hours, 24/7 Progress Monitoring, phone support and an automatic E-mail Confirmation System. Sounds good to us! But what may really put Improve My Credit USA a bit ahead of the crowd is their deletion guarantee where they are so confident that their clients will be thrilled with their service that they will refund your money if you are not 100% satisfied with no questions asked. We are not sure about the validity of this claim but it is certainly one of the boldest in the industry. They also have a 100% Communication Promise which again sounds great but what does that really mean? 

Ascent Credit Solutions
We have never tried Ascent Credit Solutions and we do not know of anyone who has yet, but they do have a better than decent guarantee. The Ascent Credit Solutions  money back guarantee is quite simple. For every account repaired or removed from the credit file Ascent Credit Solutions assess a $100 value. If the value of repairs or removals falls below the pricing paid, then the client is entitled to the difference. Wow! Now that's a credit repair company that is worth a try!

Vitesse Financial Credit Repair Agency
Vitesse is up and coming and is creating a small buzz among the credit repair giants. The problem that we have is that we know virtually nothing about this company. Their website says that "The credit repair specialists at Vitesse Financial can help you restore your credit to a good standing legally, effectively, and in as little as 60 days. They will work for you to improve your credit rating."

Aggressive Credit Repair LLC
Aggressive Credit Repair is a Utah based company that helps customers in all 50 states to repair their credit. Their philosophy is to repair your credit report and raise your score as quickly as possible. Aggressive Credit Repair is Licensed, bonded & registered with the Division of Consumer Protection. The best thing that stands out with this company is that they insure that you are 100% happy. With Aggressive Credit Repair your satisfaction is guaranteed. If you're unhappy with their service, for any reason, you're eligible for a full refund. They promise that In the process of using their credit repair services, you'll learn everything there is to know about your credit and the scoring system. Aggressive Credit Repair also offers home loans.

Andorra Credit Repair
Andorra repairs credit reports by removing inaccurate, misleading, or unverifiable information ranging from bankruptcies, charge-offs, late payments, or tax liens. Some of the benefits you will receive from their services are: A substantial increase in your credit score, the ability to obtain higher credit limits and new credit cards with better rates, and the ability to save thousands of dollars in interest every year. Andorra Credit Repair is located in Scottsdale, AZ.

Ovation Credit
Ovation Credit offers the most comprehensive credit repair programs available. Ovation works with credit bureaus and creditors to resolve questionable items on your credit reports quickly and effectively. They offer two program choices to address your particular credit needs - the Essentials and Essentials plus
. They were one of the the first Lexington Law knock-offs and pretty much molded their credit repair services after the Lexington model. They keep growing and are building up their brand to be one of the big players. Just like Lexington Law does, they can get the job done. A very reputable company with strong communication with their clients. We chose them as one of the best credit report repair companies.

A top 10 Credit repair company!
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Veracity Credit Consultants  
Veracity Credit Consultants opened up it's doors in 2003. They have been a preferred partner of the National Association of Mortgage Brokers, as well as their local Colorado Association of Mortgage Brokers and have maintained a high rating with the Better Business Bureau during their years in business. Veracity offers three different credit repair programs for it's clients. See our full review of them on our credit repair company reviews page.

A top 10 Credit repair company!
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Apex Credit
Apex Credit Services consists of a professional legally educated staff that are 
highly skilled in understanding the laws which governs the credit industry. Apex Credit Services will dispute with your creditors, collection agencies, and credit reporting agencies to get you the results you need. Apex Credit Services is a smaller firm that can offer a little bit more customer service than the bigger players. They take pride in the fact that they devote specialized attention to their clients and they claim that they can raise fico scores with ease.

Beacon Credit
Beacon Credit offers unlimited disputes and a full 
refund policy for their clients. Their guarantee boasts that consumers can get some or all of their money back if not enough disputed items are deleted. Their claim is that you won'tª pay for the possibility of an ineffective service. If they can't deliver, you won'tª get charged. One low service charge covers their service for specific amount of time. For example, you can pay a one-time fee for a 6 month plan with no other hidden charges.

Best Credit RX
Cute name and cute slogan of "Best Credit RX has the prescription to get your personal credit or business credit healthy again."  Best
Credit RX claims to have the most comprehensive, personal and effective credit repair services available online and that their team has about 30 years of experience in the finance, credit repair, collections, mortgage and consulting industries. We do not know too much about this Austin, Texas based credit repair company, but have heard through the grapevine that they are indeed reputable.

Go Clean Credit
Go Clean Credit has been in operation since 2003 and operates with the highest integrity and business ethics. They offer a variety of credit repair solutions that can help restore your financial future. They are passionate about helping their clients reach their goals by asserting their legal rights. They stress that repairing your credit is your legal right, with or without help from an expert! Why not chose an expert that knows and understands the federal laws in all 50 states. They use provisions in the consumer laws under the FCRA and FDCPA to remove inaccurate or unverifiable negative information off of your credit reports. 

Legacy Legal
Legacy Legal offers exceptional Customer Service and a clean BBB (Better Business Bureau) record. They boast Lifetime Membership for all clients, which basically means that once signed-up with Legacy, you are a client for life. Even if you cancel, you can start up again at any time. You only pay the initial start-up fee the first time you sign up, then it is waived every time thereafter.

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Onyx Credit Repair
Onyx Credit Repair uses a proven, personalized credit dispute system. Onyx Legal Credit Repair offers a free credit analysis for all clients. They then create a custom credit repair strategy and map out a dispute timeline. 

MSI Credit Solutions
One of their main selling points is to please keep in mind that you get what you pay for and that extremely low-cost or flat-rate companies will only dispute a limited amount of accounts and drag their feet, keeping you in the program for a long time, while prolonging your results and increasing the amount of monthly payments. Then they go on to say that they offer a free consultation (Valued at $500). These types of sales pitches are usually the set-up to convince you that the high fees they charge are warranted. Not to say that this company does not deliver, because we really do not know. But unrealistic price points of a $500 value for a consultation just doesn't seem to add up either. You do the math on this one.

My Credit Group
Their website says "Want to know why tens of thousands of consumers and some of the worlds largest institutions turn to My Credit Group for help improving their credit? Because we're the only credit repair company that won't waste your time with ineffective dispute methods." By them saying that they're the only credit repair company that won't waste your time with ineffective dispute methods, well, it just shoots their credibility in the foot because we know of many credit repair companies that use very effective disputing methods. How a company can use this language as a selling point is beyond us. Enough said on this one.

National Credit Fixers
National Credit Fixers claims that it is a reputable credit repair company that can legally remove negative items off of your credit reports thereby improving your credit score.

Pegasus Credit Repair
Pegasus Credit Repair offers a
FREE Credit Repair Consultation for all new prospective clients where they will review your credit reports and discuss strategies to help you raise your credit scores. We do not know enough about this company to offer a full review here.

Good Life Credit
"Good Life Credit" is a DBA of FBLegal, LLC. Good Life Credit employs staff attorneys, Friedman & Brown, LLC, a full service law firm focused on correcting consumer's credit reports by challenging the credit bureaus to delete removable items which include inaccurate, incomplete, unverifiable, misleading, and obsolete information. Their plan involves mailing pre-suit litigation letters to the credit bureaus putting them on notice to delete the removable items listed under the FCRA. In fact, Friedman & Brown, and their lawyers are at the leading edge of litigation in the credit reporting field. Currently they are involved in class action lawsuits nationwide involving common mistakes made by credit reporting agencies that other consumer groups had failed to detect. No other credit report repair company has this type of legal firepower on their side. Their guarantee is also pretty straightforward. If after 6 months no negative items are removed from the client's credit reports, GLC will then provide the next 6 months for FREE, at no further cost to the client.

E Credit Attorney
E Credit Attorney, P.C. has helped over 50,000 clients since 2001. These clients have all shared one common desire: to repair their credit reports and improve their credit standing. The work to improve your credit by challenging items on your credit reports which you believe to be inaccurate, misleading, or unverifiable, and they will work through your individual credit reports in an earnest attempt to resolve all credit disputes to your satisfaction.

Credit Care Corp
Credit Care Corporation has been assisting client's nationwide for over 20 years and they are a member of the Better Business Bureau. They offer Debt Negotiation and Credit Repair to help consumers to become Debt Free and to Increase their Credit Scores.

Credit Restoration of Texas
Credit Restoration of Texas is a credit restoration service located in San Antonio, Texas. Although they are based in Texas, their credit restoration services are available to clients in all 50 states. Their credit restoration experts are always available to help you with all of your credit repair needs. The Credit Restoration of Texas credit restoration service is capable of raising your FICO score and improving your overall credit profile.

Dispute Assist
Dispute Assist offers affordable credit repair programs to clients nationwide. Their comprehensive strategy includes verification of the accuracy of your accounts, validation of your accounts, negotiating and disputing with your creditors, and disputing with the three major credit agencies.

FINIV Credit Counseling
Their programs are designed to help you defeat bad credit, and regain financial freedom. They follow State Laws and the Texas Finance Code 393.302 which states that a credit repair company can only collect upfront fees if they are bonded for 10k Dollars. They not only follow State Laws but also Federal Laws and that is why they only collect their after they have performed the services for you.

Credit Assistance Network
We tried this company for a few months with decent success. They have expanded on their credit repair services since then and we have heard from other clients that they have seen decent results.

United Credit Education Services
if you're not satisfied with the results of their credit restoration services, they offer a money back guarantee.

National Credit Consultants
We do not know enough about this company to offer a valid review. Their website claims that they offer free consultations and will work hard with its clients to help them repair and restore their credit reports and scores quickly and effectively.

Online Credit Attorney
Online Credit Attorney guarantees to increase your credit score by at least 50 points or your money back. They state that no matter how many negative items that you may have on your credit reports, you will simply need to pay a one time enrollment fee of $89 and a one time set up fee of $199.

Credit Pros
The Credit Pros has been trying to get its foot in the door and become a brandable credit repair company. They have tried different price points and specials throughout the previous year. We are not sure if this company is the real deal or not just yet but they do offer a pretty convincing 3-way money back guarantee that states that they will offer a FULL refund if no negative item(s) are not removed from your credit report in the first 120 days of service. The second part of the 3-way guarantee states that if they can't get at least 25% of the negative items removed from each of the credit bureaus on your credit report (Transunion, Equifax, and Experian) you will be entitled to a FULL refund of all dollars spent with them. The last part is that if any previously deleted item re-appears and comes back on your credit reports, they will re-investigate to have it removed at no additional charge. Obviously part 2 is the best and is worth it if you have a lot of negative items on your credit reports.

Credit CPR
Seems like a small company with a limited internet presence. Their website lacks appeal and does not offer up enough informative information about exactly what they do. Based in the Miami Dade area of Southern Florida.

Trinity Credit Services
Trinity Credit Services is an up and coming credit repair service that concentrates on helping consumers with getting approved for a home loan or obtaining credit that they are in need of. We have not used this service personally but have heard from colleagues that this company is the real deal. They openly admit that their pricing is a little higher that most run-of-the-mill credit repair companies online which is OK but they do not offer pricing on their website like most other companies do. Their reasoning is that everyone is different and every credit report is different, so the cost to repair your credit will be quoted on a case-to-case basis. OK. We'll buy into that.

Credit Mindset
Credit Mindset claims that clients see an average credit score increase of 50-100 points with their custom credit repair programs. They have a growing team of professionals and a strong business model. Pricing is based on the actual number of bad credit entries that they need to repair. They provide free exact quotes during your free consultation.

Imax Credit Repair Firm
A relatively new California based credit repair firm that is Federal Trade Commission compliant. This is another company that does not use a monthly pricing model but instead charges on a caseper case basis. After a free case review, Imax will provide you with a breakdown of charges along with a fair idea of expected results for your situation.

Alexander Credit
Alexander Credit Repair offers a free credit analysis at no charge. They will then explain the steps and where you stand and what your next steps could be whether you go it alone, hire them or none of the above. They assure you that during your free consultation that you will be empowered. Alexander Credit Repair is based in Dallas Texas and charges a filing fee of $399 divided into two payments should you decide to join. After paying your filing fee, you will be places on a fee structure that will be based on the number of negative occurrences successfully removed.

Credit Unlimited
Credit unlimited seems to have emulated some of the bigger players which is not to say that they can't get it done. Their pricing is 99.95/sign up and then 69.95/month as you go through their credit repair program.

Credit scoring advisor
The credit scoring advisor and managing Partner, Daniel Sater C.C.E. CFP, is a Nationally Recognized Credit Expert who Educates, Trains, and Coaches many Credit Repair Companies throughout the United States. If you choose Credit scoring advisor, you will have one of the leading experts who is a Certified FICO Professional, working at your side with the tools to boost your credit scores to their highest in the shortest amount of time. This company based out of New York.

Credit Doctor Company
This looks like a Lexington Law clone. If you compare their websites, you'll see that their design is almost identical to Lexington Law's website. Maybe this is Lexington Law in disguise. Use due diligence with this one.

Consumer Credit Capital
Consumer Credit Capital is a registered and bonded Credit Services Organization that offers credit repair Nationwide for US consumers.

American Credit Assistance
American Credit Assistance is an attorney backed credit repair company that has been providing credit repair services 1991. They have an excellent rating with the Better Business Bureau and they deleted over 1 million negative items from credit reports last year alone for American Consumers.

Credit Help USA
Credit Help USA provides Legal Credit Repair for consumers and/or businesses. They claim that they have the ability to permanently delete ANY debt and negative information showing on your credit reports.

MP Credit Repair
MP Credit Repair has been operating out of Hallandale Beach, Florida for the past 3 years and have established themselves as the State's top choice for Credit Repair.

BCR Consulting
This is one of the only pay-for-removal credit repair companies that we know of. BCR Consulting takes a big risk by charging only after the deletions are made only because clients might not pay them! With BCR Consulting, You do not pay a dime unless a deletion has been made with the credit Bureaus! BCR Consulting is the only company that we know of that works on this model and does not charge any money upfront. After they realize a deletion for you, the payment is due within seven days. It's that simple. They only charge $33.00 per item deleted. No deletions, no payments, zero!

BlackDiamond Consultants
BlackDiamond Consultants prides themselves on being one of the most aggresive credit repair companies. With over 9 years of experience, their professional individuals have extensive knowledge in the credit industry. They work for you, not the creditors.

CRE Credit Services
CRE Credit Services offers a decent credit repair guarantee policy in which if you are not 100% satisfied with your experience, simply contact them for a full refund of all monies paid, less a reasonable fee (not to exceed $75) for each deletion they have secured on your behalf.

American Credit Auditors LLC
American Credit Auditors, LLC seems to be on the right track by using the laws in their favor to dispute for their clients. They make it clear that they are disputing reporting law; not whether or not an account is yours or not, but whether or not the credit bureaus or the furnisher of the negative information have the "verifiable proof" that they are required by law to have on every challenged account. This is the key to credit repair. It doesn't matter if you defaulted on the account or not, by law, the credit bureaus must delete the item if they can't send proof within 30 days. There you have it. The simple technique that makes credit repair work.

New Age Credit
We love the name of this credit repair company which is located in Utah but we just can't get past the look and feel of their website. If this is how they organize a website, then how are they going to organize your disputes for you. Sorry but first impressions say quite a bit.

The Credit Experts
The Credit Experts claim that they are the only, retail front, walk-in credit restoration firm in the country. We know of other firms where clients can visit real people in a real office but we are not sure about their retail storefront claim. If you want to stop in, the address is 1346 Old Bridge Rd. Woodbridge, Virginia.

Edit Your Credit
Edit Your Credit is run by Neal Yeagley, who is the company President, They are in accordance with federal law where they charge retroactively for work done the previous month. Their pricing model is is a little bit higher than your average online credit repair service.

Credit CRM
Credit CRM will work with you by devising a plan of action of things that you can do to improve your credit score. They educate you every step of the way so you know how you can continue to manage your credit long after your time with them. They then
raise your credit score by working with the major credit bureaus and your creditors to remove negative items from your credit report. On average, they are able to remove 70 percent of negative items from your credit report thereby increasing your score.

Waterfield Credit
Waterfield Credit has helped many Americans restore their credit scores. Andrew Canole, founder of Waterfield Credit, spent many years as a Loan Officer for a large bank and realized what a small Fico score boost could do to get a more favorable interest rate. The credit repair service is located in Tampa Florida.

Credit Jack
Credit jack offers RAPID CREDIT REPAIR designed for urgent Credit Repair needs. They claim that they can get ALL NEGATIVE ITEMS REMOVED AS LITTLE AS 10 DAYS. They also offer personal and business trade lines. We do not know enough about this company,but if they can get done what they say, it would be quite impressive. Their rates are a little on the high side but still not bad at all for what you get.

Ambassador Law
This Consumer Credit Correction Law Firm is committed to the success of each of their clients. They charge one of the lowest credit repair monthly fees in the industry. Ambassador Law is physically located at 473 South River Road in St. George, Utah.

Credit Strategies
Credit Strategies offers a different kind of comprehensive and personalized credit program. They are neither a credit repair nor a debt re-negotiation company. They consult with their clients and create a personalized program to help raise scores quickly. They do not just focus merely on derogatories, they work with lenders, mortgage companies, builders and real estate investment firms to improve your credit score while saving you time and money.

My Credit Specialist
My Credit Specialist is a New York Based Credit repair firm that can help you fix and maintain healthy credit reports. They specialize in post Bankruptcy credit restoration programs and Identity Theft Recovery Services.

MOR Credit
MOR Credit is a legit leader in the credit repair industry and has been established in the field for over 10 years. They are one of the rare innovative companies that breaks the mold from the many clone credit repair companies out there on the internet.

NYC Credit Repair
NYC Credit Repair is a bit different because they are truly focused on your needs. NYC Credit Repair has made it their mission to put clients first. Some credit repair companies will try to take payment up front or charge for their time and drag out their services on purpose. NYC Credit Repair does not do this as it strives to serve the people of NY and their life goals.

New York Credit Repair
Although New York Credit Repair is located in New York City, New York, they provide credit repair services to clients nationwide with an emphasis on New York and the surrounding New York City areas. They offer free consultations and are always standing by to assist you with your credit related issues including identity theft, student loans, debt settlement and the removal of inaccurate negative remarks on your credit report such as late payments, judgments, bankruptcy and collection accounts.

Safe Credit Solutions inc.
Safe Credit Solutions inc. is located on long Island, NY. Their credit repair services are geared to consumers who prefer having professionals managing their credit disputes and dealing with their creditors for them.

Credit Guard
Here is a very interesting credit repair service that says they can get it done in 3 days allowing consumers to apply for their mortgage or loan within 60 days. You also don't pay a dime until they are completely finished. But what about a guarantee? They claim that If there is no positive improvement to your credit report after they perform their strategies, they will refund your money in full. So I imagine that they will draft their letters and send them off within 3 days, then you pay at that point and then wait for responses. Basically, they are charging for one round. Read the fine print on this one. We do not know the pricing either. They are also members of the Chamber of Commerce and an "Accredited" member of the Better Business Bureau. If anyone tries this company, please E-mail us with your results good or bad.

Improve Credit LLC
We do not know too much about this credit repair company except their website needs a quick facelift and could use real content. A bit too generic for our tastes. As always, first impressions say a lot about a company.

Credit Repair companies that can get bankruptcies deleted

Allen Michael
Allen Michael credit repair is a professional credit repair company that specializes in helping consumers who have bankruptcy issues. Allen Michael has over a decade of experience working with bankrupt people to improve their credit. Their staff is acutely aware of the different needs of a person who files Chapter 7 versus a person who files Chapter 13. They also fully understand that consumers who unfortunately have had to re-organize just once in their life versus a person who files multiple times or even the few that get dismissed or file Chapter 11. They concentrate on
tailoring their dispute methods based on the type of bankruptcy that the consumer has filed. They are one of the only credit repair companies' that understands the simple principle that each individual person is unique, and how they are handled should be based on how they filed.

Credit Repair companies that concentrate on getting Inquiries removed

Fast Credit Inquiry Removal Service
If you need to qualify for a loan quickly then you should consider the Fast Credit Inquiry Removal Service. They pride themselves in helping their clients to qualify for credit cards, personal loans, and business loans. They specialize in inquiry removal for Equifax and Experian. They have a few different pricing options starting at just $30 per inquiry. You pay nothing for inquiries that do not get removed. This company is very new. We have just added them on 12-18-2017. If anyone uses them, please provide feedback to us and let us know if they did a good job. gets hard inquiries removed from your credit report. They claim that they are the only credit repair company in America to offer a 3 year warranty to make sure that when your credit is clean, it stays clean. Any new negative items that appear will be challenged within 3 years after your initial sign up at absolutely no cost to you.


Just as in any other business service related markets on the internet, there are always shady companies that use false claims and crafty marketing techniques to fool consumers into buying their product or service. Credit repair services are no different. Consumers must use due diligence when selecting a reputable credit repair service. There are still quite a few credit repair services that violate both the FTC Act and the Credit Repair Organizations Act (CROA). Some of these credit repair firms deceive customers by promising to remove accurate, negative information from their credit reports. If a credit repair service makes "promises" or charges advance payment for their services, then they are not legit. Making false claims and accepting advance payment (except for a set-up fee) for their services are in direct violation of the CROA and these companies are not recommended.

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