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

View Full Comparison Chart
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

4 Personal Finance Lessons to Teach Your Children
Having a solid grasp of money and credit is necessary for any responsible and financially-literate person. Unfortunately, though, it’s one of the least taught aspects of life for children and adolescents, and as a consequence, many young adults must learn about money and credit the hard way. Last year, we discovered that 37% of millennials […]

Common Myths About Building and Managing Your Credit
For those trying to get a handle on their credit, or for those just learning about credit, it can be hard to understand what credit is and how it works. This task is made even more difficult by persistent myths and falsehoods that tend to be perpetuated about credit. That’s why we’ve decided to separate […]

How Sharing a Credit Account Affects Your Credit Scores
Credit cards, personal loans, mortgages and other types of credit offer multiple account options, and keeping track of all of them can be confusing. This is especially true when it comes to the options that allow you to share a credit account with other individuals. Despite some basic commonalities, these account options aren’t created equal, […]

How Settling a Debt in Collections Can Impact Your Taxes
When it comes to filing your taxes, not everything is quite as clear as you may think. Since certain financial moves can impact your taxes in a number of ways, we‘re breaking down everything you need to know about how settling a debt with a collection agency can affect your taxes. What is debt settlement? If an […]

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.