Updated 10-10-2017

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

NextAdvisor Credit Repair Blog Headlines

Scams to Look Out for After the Equifax Breach
It’s been a little over a month since news of the Equifax Breach first broke, and the incident is turning out to be the quite the gift to fraudsters. From gaffes made by Equifax and other credit bureaus to the fact that the data breach was more extensive than initially thought, everything surrounding this incident […]

What is a Credit Utilization Ratio?
When many people think of their credit scores, the first thing that comes to mind is their payment history. However, while payment history is the primary component of your credit scores, it isn’t the whole picture. There’s another piece, called credit utilization ratio, that plays a big part in determining how you measure up in […]

3 Things to Know About Debt Collection
One of the scariest things about owing debt is the fear of it going into collections. Debt collectors have a bad reputation and tend to inspire worries of insecurity and loss in a lot of people. However, dealing with debt collection isn’t uncommon, and it isn’t the end of the world. The Consumer Financial Protection […]

Can You Fall Victim to Identity Theft if You Have Bad Credit?
Identity theft is a rampant problem in today’s world that has the potential to affect everyone. Even though anyone can fall victim to identity theft, those with bad credit (or no credit at all) might mistakenly believe that their identities are worthless to thieves and, thus, be less inclined to guard against such threats. In […]

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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