Updated 05-02-2018

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

NextAdvisor Credit Repair Blog Headlines

What is Debt Settlement and How Does It Work?
Hardly anyone takes on debt with the intention of not paying it off. Unfortunately, though, life happens, and unexpected occurrences can make our financial plans go askew. Luckily, in today’s world, consumers have options that can help address the issues that an unpaid debt can pose. There are a number of ways to handle unpayable […]

What to Do if You Default on a Credit Card
Going into default on a credit card, or defaulting in general for that matter, is no fun. For most, it can be an extremely stressful and confusing financial situation that can quickly worsen if you don’t know how to navigate it successfully. That’s why we’re going to go over everything you need to know about […]

What Counts as an Error on My Credit Reports?
Despite the far-reaching and seemingly never-ending effects of the Equifax breach, many consumers still haven’t checked their credit reports for errors. In fact, according to a recent poll by CreditCards.com, 50% of U.S. adults have not checked their credit reports since news of the breach broke last year. More alarming than that statistic is that […]

How Filing for Bankruptcy Affects Your Credit
If you’re being crushed by mountains of debt, filing for bankruptcy can be a way to get your life back together. However, it comes with a steep price; not just in the payments you have to make or the assets you may have to sell, but in what it does to your credit. Bankruptcy can […]

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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