Which Credit Repair Service Is The Best? Company Reviews

If you have suffered through bad credit, you know how it affects every aspect of your life. Typical consequences of it are getting denied for credit cards or loans, paying higher interests for mortgage, higher premium for car insurance, or even getting passed over for job opportunities. That’s why fixing your credit should be #1 priority in your life.

Let’s face it, credit repair is not a simple and easy process. It takes patience and dedication. On top of that, you have to know your legal rights, otherwise credit bureaus and creditors will walk all over you. It’s natural that you may want to seek help from professionals, since this is such an important process.

Who is the best credit repair company?

That’s where you get stuck. Who can you trust? From all these companies that promise great things, which ones actually deliver? Which ones are the most knowledgeable? These questions come to your mind naturally. That’s why our ranking system can help.

We have studied the credit repair companies and ranked them based on the factors which are important to the customers. There’s so much information out there. They range from what the companies claim about their services to what customers say. We have sifted through all that and studied each company impartially. We have posted the results here to help you with your decision and save you time and headache.

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9.8 out of 10 Credit Hash Ranking


  • Over 26 years of experience in credit restoration
  • Removed over 9 million negative records for its clients, in 2016 alone
  • Average of 10.2 negative items removed per client in less than 4 months

With over 26 years of experience under its belt, Lexington Law is one of the most reputable companies in the industry. Being a law firm, this company is the most knowledgeable in consumer protection and credit law. This is a great advantage as they work with credit bureaus and creditors on your behalf, to fix your credit.

Lexington Law is a top choice, when it comes to credit repair. Give them a call at the number above for free consultation and case evaluation.

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9.6 out of 10 Credit Hash Ranking


  • Over 15 years of experience in credit repair
  • Average of 7% of negative items removed per client per month
  • Online and mobile progress tracking

This firm not only fixes poor credit, but also helps its client establish long-lasting healthy financial habits. This firm uses recent online and mobile technologies to keep their clients up-to-date on their progress along the way.

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Do Credit Repair Companies Really Help?

It is your right to have a fair and accurate credit report. A good company can identify what’s unfair and what’s inaccurate. For example, if a collection account has been sold to different collectors, it may show up multiple times on your credit report. Even though the records are accurate, it’s unfair to hurt your credit score multiple times for the same account. An experienced professional knows how to identify and dispute unfair records.

Credit repair companies know how to use your legal rights to remove the negative marks from your report. Fair Credit Reporting Act is the most helpful law in fixing your credit. There are many other laws such as Fair Credit Billing Act, Fair Debt Collection Practices Act, and many others for students, military service, or medical conditions. A seasoned professional knows how to use each law to your advantage to remove the negative records from your report.

Another way that a credit repair company can help is by including proper supporting documents in the dispute with credit bureaus. Including the right supporting documents based on the laws, forces the credit bureaus to take action in addressing issues. This knowledge only comes with years of practical experience.

How Do These Services Work To Fix Your Credit?

A good credit repair company will start by getting your credit reports from all 3 credit bureaus (TransUnion, Equifax, Experian). It’s important to get all 3 reports, because some errors may appear on some reports but not the others. They will then go through each report to identify the errors.

Once they find the errors, the credit repair company will ask you for supporting documents. For example, if your ex is still showing as your spouse on your report, you will provide them with the documents showing your current marital status. It’s very important to determine which supporting documents should be included in a dispute. Experienced professionals know which documents should be included in the dispute to benefit most from the laws.

After obtaining all the documents, they file a dispute the credit bureaus to fix the errors. In some cases, there will further follow-ups, before negative marks are removed.

How much does it cost to repair your credit?

The amount that credit repair companies charge varies depending on the company and services that you ask for. The price typically ranges from $60 to $100 per month. However, you can cancel at anytime. Keep in mind that under the Credit Repair Organization Act, credit repair companies are not allowed to ask for advance payment. So they cannot charge you before they complete any work.

When fixing your credit, you must consider the impact of bad credit on your life. The long-term cost of higher interest loans, increased insurance premiums, and loss of job opportunities outweighs the cost of credit repair by far.

How long does the repair process take?

There are 2 timelines during credit repair process. One is the time it takes to remove the bad records. Another is the time it takes to see improvement in your credit score. After filing the dispute, you will get a response within 30 days (in some cases it may get extended to 45 days).

How long does it take to an increase in your credit score?

No credible professional can predict that, since it differs by individual situations. The factors range from severity of negative records to adopting a responsible behavior. It would be fair to ask a company about an estimate based on their previous cases, instead of predicting the timeframe in your specific case.

What to consider before choosing a Credit Repair Company?

Your financial issues are the most sensitive matters in your life. You want to make sure you share your personal information with people you can trust. Considering the effect of your credit score on your financials and employment, it’s no surprise that you should do your homework before choosing a company. Here are some of the things you should consider before picking a credit repair service:

  • Stay away from the companies that want you to pay a fee upfront. The Credit Repair Organization Act prohibits companies from charging you before any work.
  • Be wary of the companies that engage in questionable practices. Only an illegal company would suggest that you create a new credit identity, or use an employment id number instead of your social security. Such acts can only get you in trouble with FTC.
  • Don’t trust the companies that make unrealistic claims. If they claim to boost your score sky high in a short period of time, move on to the next company. Fixing your credit is a diligent and patient work. Reputable professionals don’t go overboard with promises.

What to ask a credit repair company?

Asking the right questions from a company not only helps find out about their services, but also shows them that you are a knowledgeable customer who demands quality service. Don’t shy away from asking good questions. Here are few questions to consider:

1) Is the company bonded and insured?

Legitimate credit repair companies are bonded and insured. Similar to Credit Counseling companies, they provide credit improvement advice. They also negotiate with creditors. Due to wide range of activities in improving consumer credit rating, reputable companies are expected to be bonded and insured.

2) Can I easily access the experts when I need questions or concerns?

Make sure you have direct access to people who can give you sound advice. As you get started with the process, there will be a need for communications between you and credit repair professionals. Ensure that you are clear about these items:

  • Who to contact for questions?
  • What are the hours of operations?
  • What are means of communications?
  • What’s the typical turnaround for answers?
  • What level of effort and time commitment is required from me?
  • What recourse do I have, if I am not satisfied with the service?
  • Is there any penalty, if I don’t want to continue?

3) How can I keep track of the progress?

As you know, this process is lengthy and detailed. So you’d want to have a way to check on the progress, while waiting. Most companies set up an online account for you where they post the progress for your information.

4) What information is needed from me?

Each individual’s case is different, but there are documents that are expected from everyone. Typically the information includes:

  1. Photo-id or Passport
  2. Your current address
  3. Employment information
  4. Social Security Number or Employment Identification Number (EIN)
  5. Bank account numbers
  6. Marital status documents if applies (recently divorced)
  7. Any bankruptcy documents if applies