Updated 03-31-2017

Credit RepairCredit Repair

Not all credit repair services are legitimate. There are many rules that the Federal Trade Commission imposes around credit repair services, and not all companies follow those rules. So which credit repair services are safe to use, and which of those provides the best service? We tested all of the top names in credit repair to find the answer. We ranked the services based on pricing, services offered, reliability and customer service. Check out all the reviews below and find the right credit repair service for you.

Credit Repair Reviews & Ratings

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Services: Our Ratings: Bottom Line:
Lexington Law Rating: stars
An actual law firm that specializes in credit repair law; organized, easy-to-use and reputable; identity theft protection insurance; friends and household discount
Sky Blue Rating: stars
Simple, affordable credit repair service; couple's discount; stellar customer service
Ovation Rating: stars
A great all-around service with extra, personalized features; couple's discount; military discount; senior discount
CreditRepair.com Rating: stars
TransUnion credit report monitoring; couple's discount; no money-back guarantee
Credit Pros Rating: stars
Pricey compared to other credit repair services; good for those who want per-item pricing; mediocre customer service
The Credit People Rating: stars
Simple credit repair with an excellent money-back guarantee; some previous red flags keep score low

NextAdvisor Credit Repair Blog Headlines

What’s the Difference Between Fraud Alerts and Credit Freezes?
With identity theft on the rise and news of data breaches popping up almost daily, your credit will likely at some point be the target of fraudsters and identity thieves – assuming they haven’t gotten to it already. This means that you may inevitably face the choice of deciding which tool, a fraud alert or […]

What are Credit Report Statements?
Given the degree to which identity theft and credit report errors occur, it’s not uncommon that you’ll find something on your credit reports that isn’t yours. Even though you can dispute inaccurate, derogatory marks that unfairly mark your credit, your dispute may be rejected and you may find you’ve exhausted all of your options to […]

Mid-Year Financial Checkup: Where Do Your Finances Stand?
When it comes to your financial health, it always pays to know where you stand, and a financial checkup can help you do just that. With June nearly over, we’re already halfway through the year, making it an excellent time to step back and assess what has or hasn’t been working for you financially. Continue […]

Trying to Rebuild Your Credit? Watch Out for Credit Privacy Number Scams
In the world of credit repair and legal services there is something known as a credit privacy number (CPNs), which can supposedly protect consumers’ social security numbers from identity theft, or in the instance of credit repair, help people gain excellent credit. Since this all sounds a little too good to be true, we’re digging […]

What Is Credit Repair?

Credit repair services use the laws around credit reporting to contest derogatory items on your credit report. They are most effective at removing errors or misinformation from your credit report, but can also be used to find derogatory information that can easily be removed because it violates the rules and regulations around credit reporting. Credit repair services will send legal documents contesting the information on your behalf to the credit bureaus. If the bureaus cannot authenticate the information, it will be removed from your credit report.

Does Credit Repair Work?

It depends on what is in your credit report. If all of the negative information in your credit report is accurate, a credit repair service may not be able to have any of it removed. Remember, only false or unvalidated information can be removed from a credit report. There are ways that credit repair services can work with your creditors to remove certain information from your credit report, such as late payments, but overall it is not easy to get accurate information removed from your credit report.

If you have not checked your credit report for years, there may be inaccurate information on it that can be contested, but if you have checked your report and you know that all the information is accurate, it might not be cost-effective to sign up for a credit repair service.

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Advertiser Disclosure: NextAdvisor.com is a consumer information site that offers free, independent reviews and ratings of online services. We receive advertising revenue from most but not all of the companies whose products and services we review. For credit cards, we review cards from all of the top 10 US issuers by purchase volume (according to Issue 1035 of The Nilson Report, Feb 2014) excluding issuers that require additional accounts to be a cardholder and private label issuers. We may also review cards from other issuers in select cases. We do not review all products in a given category. We are independently owned and operated and all opinions expressed on this site are our own.