Updated 11-27-2017

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

NextAdvisor Credit Repair Blog Headlines

Are FICO Scores the Same as Credit Scores?
The world of credit can be very confusing for the uninitiated. With all the different credit bureaus, credit reports, credit scores and everything in between, there are a lot of details for consumers to take into account when managing their credit. One thing that we’re often asked about is whether FICO scores are the same […]

How to Handle Mistaken Debt Collection Calls
Having debt placed into a collection account can be a pretty stressful ordeal, especially if the debt isn’t actually yours. While such a scenario might seem rare and unlikely, unfortunately, it can be more common than you’d think. Given that various types of credit reporting errors are not uncommon and that identity theft and data […]

3 Unexpected Things That Can Hurt Your Credit
Having good credit scores can prove to be difficult for many of us, but luckily, there are well-defined steps for building credit from scratch and maintaining good credit. Sometimes, however, the rules for managing credit can feel counterintuitive and downright weird. Although you can’t completely prepare for every scenario that will affect your credit, it […]

Can I Get a Credit Card with Bad Credit?
There are many stigmas surrounding bad credit. One of the most common is that people with bad credit cannot get a credit card. If you have bad credit, you may be wondering which credit cards you qualify for, if any. While most major credit cards require excellent, good or average credit for approval, the good […]

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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