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5 best credit repair companies—and what they do well | Fortune Recommends
<!DOCTYPE html><html lang="en"><head><meta charSet="utf-8"/><meta name="viewport" content="width=device-width"/><title>5 best credit repair companies—and what they do well | Fortune Recommends</title><meta name="msapplication-TileColor" content="#ffc40d"/><meta name="theme-color" content="#FFFFFF"/><meta name="description" content="Credit repair companies can assist in removing inaccuracies in your reports. These are the best based on their reputation and time to see results."/><meta name="keywords" content=""/><meta property="og:url" content="https://fortune.com/recommends/loans/best-credit-repair-companies/"/><meta property="og:type" content="article"/><meta property="og:title" content="5 best credit repair companies—and what they do well"/><meta property="og:description" content="Credit repair companies can assist in removing inaccuracies in your reports. 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Each company offers an array of different services and pricing models, so comparing options can help you find a company that suits your situation. Some top companies include Credit Saint, The Credit People, The Credit Pros, Sky Blue, and Lexington Law."},"name":"What’s the best credit repair company?"},{"@type":"Question","acceptedAnswer":{"@type":"Answer","text":"Yes, it’s possible to pay a credit repair company to help dispute inaccurate or incomplete information on your credit reports. Getting this information removed could help improve your credit. That said, credit repair companies don’t guarantee they’ll fix your credit."},"name":"Can you really pay someone to fix your credit?"},{"@type":"Question","acceptedAnswer":{"@type":"Answer","text":"Several actions could help you fix your credit, including contacting the credit bureaus to get inaccurate or incomplete information removed from your credit reports, paying down credit card debt, making on-time payments, increasing your credit limits, and limiting the number of new accounts you open."},"name":"What’s the fastest way to fix your credit?"},{"@type":"Question","acceptedAnswer":{"@type":"Answer","text":"The three credit agencies — Equifax, Experian, and TransUnion — typically evaluate credit on a monthly basis. They monitor factors that include debt and late payments. Reducing debt presents the quickest path to improving your credit where you may see results in less than two months. Seeing results after removing inaccuracies will take about three to six months."},"name":"How long does it take to repair credit?"},{"@type":"Question","acceptedAnswer":{"@type":"Answer","text":"Bad credit, or subprime credit, is typically anything below 580. The lower your credit score, the harder it will be to secure a lower interest-rate loan or credit card. A high credit score can help unlock the best available loans, credit cards, and other financial products."},"name":"What is a bad credit score?"},{"@type":"Question","acceptedAnswer":{"@type":"Answer","text":"Older credit score models used to go as high as 900, but that's not the case anymore. The highest possible credit score one can achieve is capped at 850, which only less than 2% of Americans have."},"name":"What is the best possible credit score?"}]}</script><script id="json-schema" type="application/ld+json">[{"@type":"Article","@context":["https://schema.org"],"publisher":{"@type":"Organization","address":{"@type":"PostalAddress","addressCountry":{"@type":"Country","name":"US"},"addressLocality":"New York","addressRegion":"NY","postalCode":"10038","streetAddress":"40 Fulton Street"},"brand":{"@type":"Brand","name":"Fortune"},"founder":{"@type":"Person","name":"Henry Robinson Luce"},"foundingDate":"1929-02","legalName":"Fortune Media (USA) Corporation","logo":{"@type":"ImageObject","url":"https://fortune.com/static/media/logo.png"},"name":"Fortune","publishingPrinciples":"https://fortune.com/about-us/","sameAs":["https://en.wikipedia.org/wiki/Fortune_(magazine)","https://www.facebook.com/FortuneMagazine/","https://www.linkedin.com/company/fortune-magazine/","https://www.instagram.com/fortunemag/","https://www.pinterest.com/fortunemagazine/","https://twitter.com/FortuneMagazine/"],"url":"https://fortune.com/"},"headline":"5 best credit repair companies—and what they do well","url":"https://fortune.com/recommends/loans/best-credit-repair-companies/","mainEntityOfPage":"https://fortune.com/recommends/loans/best-credit-repair-companies/","dateModified":"2024-11-14T12:31:33-00:00","datePublished":"2024-03-27T16:54:57-00:00","identifier":3785728,"thumbnailUrl":"https://fortune.com/img-assets/wp-content/uploads/2024/02/credit-repair-getty-e1711547050845.jpg","image":"https://fortune.com/img-assets/wp-content/uploads/2024/02/credit-repair-getty-e1711547050845.jpg?resize=1200,600","author":[{"@type":"Person","name":"Jessica Ullrich","url":"https://fortune.com/author/jessica-ulrich/","image":"https://fortune.com/img-assets/wp-content/uploads/2023/11/Jessica-Ullrich-headshot.jpeg?w=150"}],"keywords":["Consumer Credit","consumer debt","credit","credit card debt","Debt","Editor's Picks","no copyright","Rankings and Roundups"],"articleSection":"Loans","description":"Credit repair companies can assist in removing inaccuracies in your reports. 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class="sc-3358ecfd-0 sc-bc78b52c-2 cLhSQr ilZHXK">5 best credit repair companies—and what they do well</h1><div class="sc-bc78b52c-3 hKydgS"><div data-cy="header-authors" class="sc-4aadc14e-0 izTsmZ"><span class="sc-4aadc14e-7 fLvwvm"><a href="https://fortune.com/author/jessica-ulrich/" target="_self" class="sc-93594058-0 fowfrQ " rel="author" aria-label="Go to Jessica Ullrich author's page"><span style="box-sizing:border-box;display:inline-block;overflow:hidden;width:40px;height:40px;background:none;opacity:1;border:0;margin:0;padding:0;position:relative"><img alt="Jessica Ullrich" src="data:image/gif;base64,R0lGODlhAQABAIAAAAAAAP///yH5BAEAAAAALAAAAAABAAEAAAIBRAA7" decoding="async" data-nimg="fixed" style="border-radius:30px;position:absolute;top:0;left:0;bottom:0;right:0;box-sizing:border-box;padding:0;border:none;margin:auto;display:block;width:0;height:0;min-width:100%;max-width:100%;min-height:100%;max-height:100%;object-fit:cover;background-size:cover;background-position:0% 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class="sc-4aadc14e-6 dImtxq">Jessica Ullrich</div></div><div class="sc-4aadc14e-4 oxMCx">Personal Finance Expert</div></div></a><div class="sc-3be47025-11 fcFEKV sc-4aadc14e-1 COKyR"><div class="sc-3be47025-7 fVPgCt"><a href="https://fortune.com/author/jessica-ulrich/" target="_self" class="sc-93594058-0 fowfrQ "><img alt="" loading="lazy" width="0" height="0" decoding="async" data-nimg="1" class="sc-3be47025-0 hgyqdh" style="color:transparent;height:auto;object-fit:cover;width:100%;background-size:cover;background-position:50% 50%;background-repeat:no-repeat;background-image:url("data:image/svg+xml;charset=utf-8,%3Csvg xmlns='http://www.w3.org/2000/svg' %3E%3Cfilter id='b' color-interpolation-filters='sRGB'%3E%3CfeGaussianBlur stdDeviation='20'/%3E%3CfeColorMatrix values='1 0 0 0 0 0 1 0 0 0 0 0 1 0 0 0 0 0 100 -1' result='s'/%3E%3CfeFlood x='0' y='0' width='100%25' height='100%25'/%3E%3CfeComposite operator='out' in='s'/%3E%3CfeComposite in2='SourceGraphic'/%3E%3CfeGaussianBlur 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https://fortune.com/img-assets/wp-content/uploads/2023/11/Jessica-Ullrich-headshot.jpeg?w=1280&q=75 1280w, https://fortune.com/img-assets/wp-content/uploads/2023/11/Jessica-Ullrich-headshot.jpeg?w=1440&q=75 1440w" src="https://fortune.com/img-assets/wp-content/uploads/2023/11/Jessica-Ullrich-headshot.jpeg?w=1440&q=75"/></a><div class="sc-3be47025-8 gXfXEH"><a href="https://fortune.com/author/jessica-ulrich/" target="_self" class="sc-93594058-0 fowfrQ "><span class="sc-3be47025-1 juJQCL">Jessica Ullrich</span></a><span class="sc-3be47025-2 eSlZzo">Personal Finance Expert</span></div><button class="sc-3be47025-3 jstytk"><svg width="24" height="24" viewBox="0 0 24 24" fill="none" xmlns="http://www.w3.org/2000/svg"><path d="M18 6L6 18" stroke="currentColor" stroke-width="2" stroke-linecap="round" stroke-linejoin="round"></path><path d="M6 6L18 18" stroke="currentColor" stroke-width="2" stroke-linecap="round" stroke-linejoin="round"></path></svg></button></div><span class="sc-3be47025-5 fQLsjx"><p><span style="font-weight:400">Jessica is a personal finance expert who’s been creating online content since 2009. Before transitioning to full-time freelance writing, she was on the editorial team at Investopedia and The Balance. Her writing has been published on Yahoo Finance, Forbes Advisor, Investopedia, Time, and Newsweek.</span></p></span><div class="sc-3be47025-10 bmAuQp"><ul class="sc-f8fcf8ba-2 fgxESO"><li class="sc-f8fcf8ba-3 giFAMX"><a href="https://www.linkedin.com/in/jessicaullrich/" target="_self" class="sc-93594058-0 fowfrQ " aria-label="Go to our linkedin profile"><svg width="24" height="24" aria-hidden="true" viewBox="0 0 24 24" xmlns="http://www.w3.org/2000/svg"><path fill-rule="evenodd" clip-rule="evenodd" d="M3.51562 0H20.4844C22.4227 0 24 1.57727 24 3.51562V20.4844C24 22.4227 22.4227 24 20.4844 24H3.51562C1.57727 24 0 22.4227 0 20.4844V3.51562C0 1.57727 1.57727 0 3.51562 0ZM5.67188 19.0312H8.48438V9.1875H5.67188V19.0312ZM8.48438 7.78125H5.67188V4.96875H8.48438V7.78125ZM15.5156 19.0312H18.3281V12.9229C18.3281 10.9006 16.7199 9.18951 14.8125 9.1875C14.1595 9.1875 13.7281 9.34814 13.2557 9.52402C13.0815 9.5889 12.9017 9.65586 12.7031 9.71759V9.1875H9.89062V19.0312H12.7031V13.4062C12.7031 12.631 13.3341 12 14.1094 12C14.8846 12 15.5156 12.631 15.5156 13.4062V19.0312Z"></path></svg></a></li></ul><a href="https://fortune.com/author/jessica-ulrich/" target="_self" class="sc-93594058-0 dukcnE sc-3be47025-6 iBZmKE styled-custom-link ">SEE FULL BIO</a></div></div></span><span class="sc-4aadc14e-7 fLvwvm"><div class="sc-8357b4fc-1 gslWGR"><a href="https://fortune.com/author/ehabzahriyeh/" target="_self" class="sc-93594058-0 fowfrQ sc-8357b4fc-6 cytaS " aria-label="Go to Ehab Zahriyeh author's page"><span style="box-sizing:border-box;display:inline-block;overflow:hidden;width:40px;height:40px;background:none;opacity:1;border:0;margin:0;padding:0;position:relative"><img alt="Ehab Zahriyeh" src="data:image/gif;base64,R0lGODlhAQABAIAAAAAAAP///yH5BAEAAAAALAAAAAABAAEAAAIBRAA7" decoding="async" data-nimg="fixed" style="border-radius:30px;position:absolute;top:0;left:0;bottom:0;right:0;box-sizing:border-box;padding:0;border:none;margin:auto;display:block;width:0;height:0;min-width:100%;max-width:100%;min-height:100%;max-height:100%;object-fit:cover;background-size:cover;background-position:0% 0%;filter:blur(20px);background-image:url("data:image/png;base64,iVBORw0KGgoAAAANSUhEUgAAAAEAAAABCAYAAAAfFcSJAAAADUlEQVR42mO8fv1mPQAIHAMIsIR6agAAAABJRU5ErkJggg==")"/><noscript><img alt="Ehab Zahriyeh" loading="lazy" decoding="async" data-nimg="fixed" style="border-radius:30px;position:absolute;top:0;left:0;bottom:0;right:0;box-sizing:border-box;padding:0;border:none;margin:auto;display:block;width:0;height:0;min-width:100%;max-width:100%;min-height:100%;max-height:100%;object-fit:cover" srcSet="https://fortune.com/img-assets/wp-content/uploads/2024/02/ehab-headshot.jpeg?w=48&q=75 1x, https://fortune.com/img-assets/wp-content/uploads/2024/02/ehab-headshot.jpeg?w=96&q=75 2x" 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data-cy="reviewed-by-text" class="sc-8357b4fc-2 bjJBmk">REVIEWED BY</span><span data-cy="reviewer-name" class="sc-8357b4fc-7 kXSAJi">Ehab Zahriyeh</span></span><span class="sc-8357b4fc-5 eFRRvB">Senior Editor, Personal Finance</span></span></a></div></span></div></div><div data-cy="header-date" class="sc-bc78b52c-4 dRiNOZ"></div></div></div><nav id="toc-wrapper" data-cy="TOC" class="sc-b1ff6b49-0 irBBoA toc"><div class="sc-b1ff6b49-2 GlBFr toc-mobile"><div class="sc-b1ff6b49-4 dsAQFp dropdown">On this page</div><div class="sc-b1ff6b49-5 heJLex"><span>Jump to your section</span></div><div class="sc-b1ff6b49-3 bbqQeU content-wrapper"><ul><li><a href="#best" target="_self" class="sc-93594058-0 fowfrQ " aria-label="Go to #best">Best credit repair companies</a><ol><li><a href="#bestoverall-creditsaint" target="_self" class="sc-93594058-0 fowfrQ " aria-label="Go to #bestoverall-creditsaint">Best overall: Credit Saint</a></li><li><a href="#skybluecredit" target="_self" class="sc-93594058-0 fowfrQ " aria-label="Go to #skybluecredit">Best for couples: Sky Blue Credit</a></li><li><a href="#thecreditpeople" target="_self" class="sc-93594058-0 fowfrQ " aria-label="Go to #thecreditpeople">Best for low initial work fees: The Credit People</a></li><li><a href="#bestforadditionalfeaturesthecreditpros" target="_self" class="sc-93594058-0 fowfrQ " aria-label="Go to #bestforadditionalfeaturesthecreditpros">Best for additional features: The Credit Pros</a></li><li><a href="#most-affordable-credit-firm" target="_self" class="sc-93594058-0 fowfrQ " aria-label="Go to #most-affordable-credit-firm">Most affordable: Credit Firm</a></li></ol></li><li><a href="#top-picks" target="_self" class="sc-93594058-0 fowfrQ " aria-label="Go to #top-picks">Our top picks for credit repair companies</a></li><li><a href="#what-to-know" target="_self" class="sc-93594058-0 fowfrQ " aria-label="Go to #what-to-know">What to know about credit repair companies</a></li><li><a href="#how-to-choose" target="_self" class="sc-93594058-0 fowfrQ " aria-label="Go to #how-to-choose">How to choose a credit repair company</a></li><li><a href="#legal" target="_self" class="sc-93594058-0 fowfrQ " aria-label="Go to #legal">Credit repair legal controversies</a></li><li><a href="#identity-theft" target="_self" class="sc-93594058-0 fowfrQ " aria-label="Go to #identity-theft">How identity theft can impact your credit</a></li><li><a href="#methodology" target="_self" class="sc-93594058-0 fowfrQ " aria-label="Go to #methodology">Our methodology</a></li><li><a href="#faq" target="_self" class="sc-93594058-0 fowfrQ " aria-label="Go to #faq">Frequently asked questions</a></li></ul></div></div><div class="sc-b1ff6b49-1 iEaleX toc-desktop"><div class="sc-b1ff6b49-4 dsAQFp">On this page</div><div class="sc-b1ff6b49-3 diyRdl content-wrapper"><ul><li><a href="#best" target="_self" class="sc-93594058-0 fowfrQ " aria-label="Go to #best">Best credit repair companies</a><ol><li><a href="#bestoverall-creditsaint" target="_self" class="sc-93594058-0 fowfrQ " aria-label="Go to #bestoverall-creditsaint">Best overall: Credit Saint</a></li><li><a href="#skybluecredit" target="_self" class="sc-93594058-0 fowfrQ " aria-label="Go to #skybluecredit">Best for couples: Sky Blue Credit</a></li><li><a href="#thecreditpeople" target="_self" class="sc-93594058-0 fowfrQ " aria-label="Go to #thecreditpeople">Best for low initial work fees: The Credit People</a></li><li><a href="#bestforadditionalfeaturesthecreditpros" target="_self" class="sc-93594058-0 fowfrQ " aria-label="Go to #bestforadditionalfeaturesthecreditpros">Best for additional features: The Credit Pros</a></li><li><a href="#most-affordable-credit-firm" target="_self" class="sc-93594058-0 fowfrQ " aria-label="Go to #most-affordable-credit-firm">Most affordable: Credit Firm</a></li></ol></li><li><a href="#top-picks" target="_self" class="sc-93594058-0 fowfrQ " aria-label="Go to #top-picks">Our top picks for credit repair companies</a></li><li><a href="#what-to-know" target="_self" class="sc-93594058-0 fowfrQ " aria-label="Go to #what-to-know">What to know about credit repair companies</a></li><li><a href="#how-to-choose" target="_self" class="sc-93594058-0 fowfrQ " aria-label="Go to #how-to-choose">How to choose a credit repair company</a></li><li><a href="#legal" target="_self" class="sc-93594058-0 fowfrQ " aria-label="Go to #legal">Credit repair legal controversies</a></li><li><a href="#identity-theft" target="_self" class="sc-93594058-0 fowfrQ " aria-label="Go to #identity-theft">How identity theft can impact your credit</a></li><li><a href="#methodology" target="_self" class="sc-93594058-0 fowfrQ " aria-label="Go to #methodology">Our methodology</a></li><li><a href="#faq" target="_self" class="sc-93594058-0 fowfrQ " aria-label="Go to #faq">Frequently asked questions</a></li></ul></div></div></nav><div class="sc-82385409-1 lbNltL article-content" data-cy="content"><div><div data-cy="articleContent" class="rawHtml-content-no-nativo"><p>If you’re struggling with significant credit score issues, working with a credit repair company could provide some much-needed relief. Credit repair companies can identify and remove inaccurate or incomplete information from your credit reports, with the goal of improving your credit history and score. Doing so can lead to getting you access to better interest rates that can ultimately save you money, especially on large purchases.</p><div class="paywall-selector"></div><div class="paywall"> <p>To help you find a reputable credit repair service, we’ve researched over a dozen companies, analyzing their services provided, pricing, transparency, time it takes to see results, and company reputation. </p> <p>Their fees are subject to change, but all figures on our list are current as of September 9, 2024. Here are our top picks for the best credit repair companies available.</p><div data-cy="nativoTout"></div> <details class="wp-block-details why-trust-us-widget is-layout-flow wp-block-details-is-layout-flow"><summary><h3>Why trust Fortune Recommends</h3></summary><p>Our editors are committed to bringing you unbiased ratings and information. Our editorial content is not influenced by advertisers. We use data-driven methodologies to evaluate financial products and companies, so all are measured equally. Read more about our <a href="https://fortune.com/fortune-recommends-editorial-guidelines/" target="_self" class="sc-93594058-0 fowfrQ " aria-label="Go to https://fortune.com/fortune-recommends-editorial-guidelines/">editorial guidelines </a>for the ratings below.</p> <ul><li>Over a dozen agencies compared</li> <li>More than 120 data points collected</li> <li>4 layers of fact-checking</li></ul></details> <h2 class="wp-block-heading" id="best"><strong>The 5 best credit repair companies of November 2024</strong></h2> <div class="sc-7f95e2e5-0 gjfgNu"><table class="sc-7f95e2e5-1 sc-7f95e2e5-2 ffjStY jyzPUY"><thead><tr><th scope="col">Credit repair company</th><th scope="col">Minimum Monthly Cost</th><th scope="col">Setup Fee</th><th scope="col">See details</th></tr></thead><tbody><tr><th scope="row"><strong>Best overall: </strong><a href="#bestoverall-creditsaint" target="_self" class="sc-93594058-0 fowfrQ " aria-label="Go to #bestoverall-creditsaint" data-type="internal" data-id="#bestoverall-creditsaint">Credit Saint</a></th><td class="">$79.99</td><td class="">$99</td><td class="last-cell"><a href="https://www.creditsaint.com/enter/00e903869a98b935088abef62f0184fd?sub_id=3785728" target="_blank" class="sc-93594058-0 fowfrQ redirect" aria-label="Go to https://www.creditsaint.com/enter/00e903869a98b935088abef62f0184fd?sub_id=3785728" data-type="link" data-id="https://fortune.com/recommends" rel="noreferrer noopener nofollow" aria-disabled="true">View offer</a><br/>at Credit Saint</td></tr><tr><th scope="row"><strong>Best for couples: </strong><a href="#skybluecredit" target="_self" class="sc-93594058-0 fowfrQ " aria-label="Go to #skybluecredit" data-type="internal" data-id="#skybluecredit">Sky Blue Credit</a></th><td class="">$79</td><td class="">$79</td><td class="last-cell"><a href="https://secure.money.com/pr/o684d060e488?s1=3785728" target="_blank" class="sc-93594058-0 fowfrQ redirect" aria-label="Go to https://secure.money.com/pr/o684d060e488?s1=3785728" data-type="link" data-id="https://fortune.com/recommends" rel="noreferrer noopener nofollow" aria-disabled="true">View offer</a><br/>at Sky Blue Credit</td></tr><tr><th scope="row"><strong>Best for low initial work fees:</strong> <a href="#thecreditpeople" target="_self" class="sc-93594058-0 fowfrQ " aria-label="Go to #thecreditpeople" data-type="internal" data-id="#thecreditpeople">The Credit People</a></th><td class="">$99</td><td class="">$19</td><td class="last-cell"><a href="https://secure.money.com/pr/u6160ff3d6f7?s1=3785728" target="_blank" class="sc-93594058-0 fowfrQ redirect" aria-label="Go to https://secure.money.com/pr/u6160ff3d6f7?s1=3785728" data-type="link" data-id="https://fortune.com/recommends" rel="noreferrer noopener nofollow" aria-disabled="true">View offer</a><br/>at The Credit People</td></tr><tr><th scope="row"><strong>Best for additional features:</strong> <a href="#bestforadditionalfeaturesthecreditpros" target="_self" class="sc-93594058-0 fowfrQ " aria-label="Go to #bestforadditionalfeaturesthecreditpros" data-type="internal" data-id="#bestforadditionalfeaturesthecreditpros">The Credit Pros</a></th><td class="">$69.99</td><td class="">$119, $129, or $149</td><td class="last-cell"><a href="https://secure.money.com/pr/r76675fd5947?s1=3785728" target="_blank" class="sc-93594058-0 fowfrQ redirect" aria-label="Go to https://secure.money.com/pr/r76675fd5947?s1=3785728" rel="noreferrer noopener nofollow" aria-disabled="true">View offer</a><br/>at The Credit Pros</td></tr><tr><th scope="row"><strong>Most affordable:</strong> <a href="#most-affordable-credit-firm" target="_self" class="sc-93594058-0 fowfrQ " aria-label="Go to #most-affordable-credit-firm" data-type="internal" data-id="#most-affordable-credit-firm">Credit Firm</a></th><td class="">$49.99</td><td class="">$0</td><td class="last-cell"><a href="https://secure.money.com/pr/u757688c05d6?s1=3785728" target="_blank" class="sc-93594058-0 fowfrQ redirect" aria-label="Go to https://secure.money.com/pr/u757688c05d6?s1=3785728" data-type="link" data-id="https://fortune.com/recommends" rel="noreferrer noopener nofollow" aria-disabled="true">View offer</a><br/>at Credit Firm</td></tr></tbody></table><table class="sc-7f95e2e5-1 sc-7f95e2e5-3 ffjStY cbifJr"><tbody><tr><th><strong>Best overall: </strong><a href="#bestoverall-creditsaint" target="_self" class="sc-93594058-0 fowfrQ " aria-label="Go to #bestoverall-creditsaint" data-type="internal" data-id="#bestoverall-creditsaint">Credit Saint</a></th><th class="last-cell"><a href="https://www.creditsaint.com/enter/00e903869a98b935088abef62f0184fd?sub_id=3785728" target="_blank" class="sc-93594058-0 fowfrQ redirect" aria-label="Go to https://www.creditsaint.com/enter/00e903869a98b935088abef62f0184fd?sub_id=3785728" data-type="link" data-id="https://fortune.com/recommends" rel="noreferrer noopener nofollow" aria-disabled="true">View offer</a><br/>at Credit Saint</th></tr><tr><th class="header" scope="row">Minimum Monthly Cost</th><td>$79.99</td></tr><tr><th class="header" scope="row">Setup Fee</th><td>$99</td></tr><tr><th><strong>Best for couples: </strong><a href="#skybluecredit" target="_self" class="sc-93594058-0 fowfrQ " aria-label="Go to #skybluecredit" data-type="internal" data-id="#skybluecredit">Sky Blue Credit</a></th><th class="last-cell"><a href="https://secure.money.com/pr/o684d060e488?s1=3785728" target="_blank" class="sc-93594058-0 fowfrQ redirect" aria-label="Go to https://secure.money.com/pr/o684d060e488?s1=3785728" data-type="link" data-id="https://fortune.com/recommends" rel="noreferrer noopener nofollow" aria-disabled="true">View offer</a><br/>at Sky Blue Credit</th></tr><tr><th class="header" scope="row">Minimum Monthly Cost</th><td>$79</td></tr><tr><th class="header" scope="row">Setup Fee</th><td>$79</td></tr><tr><th><strong>Best for low initial work fees:</strong> <a href="#thecreditpeople" target="_self" class="sc-93594058-0 fowfrQ " aria-label="Go to #thecreditpeople" data-type="internal" data-id="#thecreditpeople">The Credit People</a></th><th class="last-cell"><a href="https://secure.money.com/pr/u6160ff3d6f7?s1=3785728" target="_blank" class="sc-93594058-0 fowfrQ redirect" aria-label="Go to https://secure.money.com/pr/u6160ff3d6f7?s1=3785728" data-type="link" data-id="https://fortune.com/recommends" rel="noreferrer noopener nofollow" aria-disabled="true">View offer</a><br/>at The Credit People</th></tr><tr><th class="header" scope="row">Minimum Monthly Cost</th><td>$99</td></tr><tr><th class="header" scope="row">Setup Fee</th><td>$19</td></tr><tr><th><strong>Best for additional features:</strong> <a href="#bestforadditionalfeaturesthecreditpros" target="_self" class="sc-93594058-0 fowfrQ " aria-label="Go to #bestforadditionalfeaturesthecreditpros" data-type="internal" data-id="#bestforadditionalfeaturesthecreditpros">The Credit Pros</a></th><th class="last-cell"><a href="https://secure.money.com/pr/r76675fd5947?s1=3785728" target="_blank" class="sc-93594058-0 fowfrQ redirect" aria-label="Go to https://secure.money.com/pr/r76675fd5947?s1=3785728" rel="noreferrer noopener nofollow" aria-disabled="true">View offer</a><br/>at The Credit Pros</th></tr><tr><th class="header" scope="row">Minimum Monthly Cost</th><td>$69.99</td></tr><tr><th class="header" scope="row">Setup Fee</th><td>$119, $129, or $149</td></tr><tr><th><strong>Most affordable:</strong> <a href="#most-affordable-credit-firm" target="_self" class="sc-93594058-0 fowfrQ " aria-label="Go to #most-affordable-credit-firm" data-type="internal" data-id="#most-affordable-credit-firm">Credit Firm</a></th><th class="last-cell"><a href="https://secure.money.com/pr/u757688c05d6?s1=3785728" target="_blank" class="sc-93594058-0 fowfrQ redirect" aria-label="Go to https://secure.money.com/pr/u757688c05d6?s1=3785728" data-type="link" data-id="https://fortune.com/recommends" rel="noreferrer noopener nofollow" aria-disabled="true">View offer</a><br/>at Credit Firm</th></tr><tr><th class="header" scope="row">Minimum Monthly Cost</th><td>$49.99</td></tr><tr><th class="header" scope="row">Setup Fee</th><td>$0</td></tr></tbody></table></div> <h2 class="wp-block-heading" id="bestoverall-creditsaint">Best overall: Credit Saint </h2> <p>Credit Saint is a long-standing credit repair service that has been helping customers with their credit since 2007. It offers all the services you’d expect from a credit repair company, including a free initial consultation, dispute letters to the credit bureaus, and creditor-specific intervention letters, inquiry tracking, and credit education for customers.</p> <div class="product-card-inline-wrapper"> <div class="card-area-1"> <h3 id="credit-saint" class="card-title"><a href="https://www.creditsaint.com/enter/00e903869a98b935088abef62f0184fd?sub_id=3785728" target="_blank" class="sc-93594058-0 fowfrQ redirect" aria-label="Go to https://www.creditsaint.com/enter/00e903869a98b935088abef62f0184fd?sub_id=3785728" rel="nofollow noopener noreferrer" aria-disabled="true">Credit Saint</a></h3> <section class="card-description"> <table> <tbody> <tr> <td>Minimum Monthly Cost</td> <td>$79.99</td> </tr> <tr> <td>Setup Fee</td> <td>$99</td> </tr> <tr> <td>Money Back Guarantee</td> <td>Yes, after 90 days</td> </tr> </tbody> </table> </section> </div> <div class="card-image card-area-2"><img loading="lazy" width="1024" height="683" decoding="async" data-nimg="1" style="color:transparent;height:auto;object-fit:cover;width:100%;background-size:cover;background-position:50% 50%;background-repeat:no-repeat;background-image:url("data:image/svg+xml;charset=utf-8,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 1024 683'%3E%3Cfilter id='b' color-interpolation-filters='sRGB'%3E%3CfeGaussianBlur stdDeviation='20'/%3E%3CfeColorMatrix values='1 0 0 0 0 0 1 0 0 0 0 0 1 0 0 0 0 0 100 -1' result='s'/%3E%3CfeFlood x='0' y='0' width='100%25' height='100%25'/%3E%3CfeComposite operator='out' in='s'/%3E%3CfeComposite in2='SourceGraphic'/%3E%3CfeGaussianBlur stdDeviation='20'/%3E%3C/filter%3E%3Cimage width='100%25' height='100%25' x='0' y='0' preserveAspectRatio='none' style='filter: url(%23b);' href='data:image/png;base64,iVBORw0KGgoAAAANSUhEUgAAAAEAAAABCAYAAAAfFcSJAAAADUlEQVR42mO8fv1mPQAIHAMIsIR6agAAAABJRU5ErkJggg=='/%3E%3C/svg%3E")" sizes="100vw" srcSet="https://fortune.com/img-assets/wp-content/uploads/2024/05/Recommends_Credit-Saint-Logo.png?w=320&q=75 320w, https://fortune.com/img-assets/wp-content/uploads/2024/05/Recommends_Credit-Saint-Logo.png?w=384&q=75 384w, https://fortune.com/img-assets/wp-content/uploads/2024/05/Recommends_Credit-Saint-Logo.png?w=480&q=75 480w, https://fortune.com/img-assets/wp-content/uploads/2024/05/Recommends_Credit-Saint-Logo.png?w=576&q=75 576w, https://fortune.com/img-assets/wp-content/uploads/2024/05/Recommends_Credit-Saint-Logo.png?w=768&q=75 768w, https://fortune.com/img-assets/wp-content/uploads/2024/05/Recommends_Credit-Saint-Logo.png?w=1024&q=75 1024w, https://fortune.com/img-assets/wp-content/uploads/2024/05/Recommends_Credit-Saint-Logo.png?w=1280&q=75 1280w, https://fortune.com/img-assets/wp-content/uploads/2024/05/Recommends_Credit-Saint-Logo.png?w=1440&q=75 1440w" src="https://fortune.com/img-assets/wp-content/uploads/2024/05/Recommends_Credit-Saint-Logo.png?w=1440&q=75"/></div> <div class="card-area-3"><a href="https://www.creditsaint.com/enter/00e903869a98b935088abef62f0184fd?sub_id=3785728" target="_blank" class="sc-93594058-0 fowfrQ button-desktop redirect" aria-label="Go to https://www.creditsaint.com/enter/00e903869a98b935088abef62f0184fd?sub_id=3785728" rel="noopener noreferrer nofollow" aria-disabled="true">View offer</a> <p class="cta-caption">at Credit Saint</p> </div> <div class="card-area-4"> <section class="card-accordion two-pannels" role="tablist"> <input id="control0-be72d950-16eb-487a-b935-0ba63570284c" role="tab" name="accordion-pannel-be72d950-16eb-487a-b935-0ba63570284c" type="radio" aria-controls="content1-be72d950-16eb-487a-b935-0ba63570284c" checked=""/> <label id="label1-be72d950-16eb-487a-b935-0ba63570284c" tabindex="0" role="button" for="control0-be72d950-16eb-487a-b935-0ba63570284c">Available Plans</label> <div id="content0-be72d950-16eb-487a-b935-0ba63570284c" class="card-accordion-panel" role="tabpanel" aria-labelledby="label0-be72d950-16eb-487a-b935-0ba63570284c"> <li><strong>Credit Polish:</strong> $79.99 per month, plus $99 initial work fee.</li> <li><strong>Credit Remodel:</strong> $109.99 per month, plus $99 initial work fee.</li> <li><strong>Clean Slate:</strong> $139.99 per month, plus $195 initial work fee.</li> </div> <!-- --> <input id="control1-be72d950-16eb-487a-b935-0ba63570284c" role="tab" name="accordion-pannel-be72d950-16eb-487a-b935-0ba63570284c" type="radio" aria-controls="content1-be72d950-16eb-487a-b935-0ba63570284c"/> <label id="label1-be72d950-16eb-487a-b935-0ba63570284c" tabindex="0" role="button" for="control1-be72d950-16eb-487a-b935-0ba63570284c">Customer Service</label> <div id="content1-be72d950-16eb-487a-b935-0ba63570284c" class="card-accordion-panel" role="tabpanel" aria-labelledby="label1-be72d950-16eb-487a-b935-0ba63570284c"> Need to reach Credit Saint? You can call the New Jersey-based company any day of the week during its hours of operations (all in Eastern Time): Monday through Friday between 9:00am and 10:00pm, Saturdays between 10:00am and 8:00pm, or Sundays between 12:00pm and 8:00pm. Existing customers have the option of reaching Credit Saint through the company’s online chat, which is available on weekdays between 9:00am and 7:00pm. </div> <a href="https://www.creditsaint.com/enter/00e903869a98b935088abef62f0184fd?sub_id=3785728" target="_blank" class="sc-93594058-0 fowfrQ button-mobile redirect" aria-label="Go to https://www.creditsaint.com/enter/00e903869a98b935088abef62f0184fd?sub_id=3785728" rel="noopener noreferrer nofollow" aria-disabled="true">View offer</a> <p class="cta-caption">at Credit Saint</p> </section> </div> </div> <h4 class="wp-block-heading"><strong>Why we like Credit Saint as best overall credit repair</strong> </h4> <p>Credit Saint is a solid choice for those seeking credit repair assistance, and its tiered services make it suitable for many situations. Its customer service team is also accessible through many channels if you have questions or concerns. While Credit Saint isn’t the lowest-price service around, its industry reputation, array of features, and 90-day money-back guarantee make it worth considering. </p> <p>Unlike many competitors, Credit Saint has a decent reputation with its customers and very few complaints with the Consumer Financial Protection Bureau (CFPB). Trustpilot reviewers give it an average of 4.26 out of 5 stars across nearly 500 reviews. </p> <p>Satisfied customers praise the company’s team, mentioning how patient, helpful, and informative it was during the credit repair process. While the company’s reviews are positive overall, some dissatisfied customers complain about a lack of results. The company also does not promote any specific focus on identity theft support.</p> <h4 class="wp-block-heading">Credit Saint’s pros and cons</h4> <p><style>N/A</style></p><div class="pros_cons"><div><h3>Pros</h3><ul><li style="font-weight:400" aria-level="1"><span style="font-weight:400">Positive reputation in the industry and among most customers</span></li><li style="font-weight:400" aria-level="1"><span style="font-weight:400">90-day money-back guarantee</span></li><li style="font-weight:400" aria-level="1"><span style="font-weight:400">Unlimited dispute letters with Clean Slate plan</span></li></ul></div><div><h3>Cons</h3><ul><li style="font-weight:400" aria-level="1"><span style="font-weight:400">Some negative reviews from past customers</span></li><li style="font-weight:400" aria-level="1"><span style="font-weight:400">Not the cheapest credit repair service available</span></li><li style="font-weight:400" aria-level="1"><span style="font-weight:400">Limited disputes with less expensive plans</span></li></ul></div></div> <h4 class="wp-block-heading"><strong>Credit Saint’s plans breakdown</strong></h4> <p>Credit Saint offers the packages to help repair your credit. The right package will depend on the number of challenges you may need since only one option offers unlimited challenges to the three credit bureaus. Here’s a breakdown:</p> <div class="sc-7f95e2e5-0 gjfgNu"><table class="sc-7f95e2e5-1 sc-7f95e2e5-2 ffjStY jyzPUY"><thead><tr><th scope="col">Plans</th><th scope="col">Pricing</th><th scope="col">Features</th></tr></thead><tbody><tr><th scope="row">Credit Polish</th><td class="">$79.99 per month, plus $99 initial work fee</td><td class="last-cell"> – Unspecified number of monthly challenges to the three credit bureaus (Equifax, Experian, and TransUnion)<br/>– Credit score analysis and tracking; free access to educational credit content and online chat<br/>– 90-day money-back guarantee</td></tr><tr><th scope="row">Credit Remodel</th><td class="">$109.99 per month, plus $99 initial work fee</td><td class="last-cell">All services of Credit Polish, plus: <br/>– Inquiry targeting<br/>– Access to one credit report and score<br/>– A guide to building credit<br/>– Real-time account syncing</td></tr><tr><th scope="row">Clean Slate</th><td class="">$139.99 per month, plus $195 initial work fee</td><td class="last-cell">All services of Credit Remodel, plus: <br/>– Unlimited number of monthly challenges to the three credit bureaus<br/>– Creditor interventions<br/>– Access to all three credit reports and scores</td></tr></tbody></table><table class="sc-7f95e2e5-1 sc-7f95e2e5-3 ffjStY cbifJr"><tbody><tr><th>Credit Polish</th><th class="last-cell"></th></tr><tr><th class="header" scope="row">Pricing</th><td>$79.99 per month, plus $99 initial work fee</td></tr><tr><th class="header" scope="row">Features</th><td> – Unspecified number of monthly challenges to the three credit bureaus (Equifax, Experian, and TransUnion)<br/>– Credit score analysis and tracking; free access to educational credit content and online chat<br/>– 90-day money-back guarantee</td></tr><tr><th>Credit Remodel</th><th class="last-cell"></th></tr><tr><th class="header" scope="row">Pricing</th><td>$109.99 per month, plus $99 initial work fee</td></tr><tr><th class="header" scope="row">Features</th><td>All services of Credit Polish, plus: <br/>– Inquiry targeting<br/>– Access to one credit report and score<br/>– A guide to building credit<br/>– Real-time account syncing</td></tr><tr><th>Clean Slate</th><th class="last-cell"></th></tr><tr><th class="header" scope="row">Pricing</th><td>$139.99 per month, plus $195 initial work fee</td></tr><tr><th class="header" scope="row">Features</th><td>All services of Credit Remodel, plus: <br/>– Unlimited number of monthly challenges to the three credit bureaus<br/>– Creditor interventions<br/>– Access to all three credit reports and scores</td></tr></tbody></table></div> <h4 class="wp-block-heading">Does Credit Saint limit the number of monthly disputes?</h4> <p>Credit Saint offers unlimited challenges to the credit bureaus with its Clean Slate plan, which costs $139.99 per month, plus a $195 initial work fee. More challenges can mean more opportunities to dispute negative credit report items and a faster process overall. The company indicates it offers challenges to the three credit bureaus with its less expensive plans, but it doesn’t disclose its monthly limits. </p> <h4 class="wp-block-heading">Does Credit Saint offer discounts?</h4> <p>Some previous customers report that Credit Saint offered $15 off its first working fee in the past, although there’s no information about this discount on the company’s site. But Credit Saint gives any family member added to your plan a free first working fee for one month.</p> <p>Learn more in our <a href="https://fortune.com/recommends/loans/credit-saint-review/" target="_self" class="sc-93594058-0 fowfrQ " aria-label="Go to https://fortune.com/recommends/loans/credit-saint-review/">full Credit Saint review</a>.</p> <h2 class="wp-block-heading" id="skybluecredit">Best for couples: Sky Blue Credit</h2> <p>Sky Blue Credit has been helping its clients rebuild their credit since 1989. It specializes in offering credit help to couples at a discounted rate, whether they want to improve their credit before getting a mortgage or for another purpose. Users can benefit from Sky Blue’s array of credit repair services, and the company offers a transparent process that’s clearly outlined on its website, so you’ll understand how the company is working on your behalf.</p> <div class="product-card-inline-wrapper"> <div class="card-area-1"> <h3 id="sky-blue-credit" class="card-title"><a href="https://secure.money.com/pr/o684d060e488?s1=3785728" target="_blank" class="sc-93594058-0 fowfrQ redirect" aria-label="Go to https://secure.money.com/pr/o684d060e488?s1=3785728" rel="nofollow noopener noreferrer" aria-disabled="true">Sky Blue Credit</a></h3> <section class="card-description"> <table> <tbody> <tr> <td>Minimum Monthly Cost</td> <td>$79</td> </tr> <tr> <td>Setup Fee</td> <td>$79</td> </tr> <tr> <td>Money Back Guarantee</td> <td>Yes, 90 days</td> </tr> </tbody> </table> </section></div> <div class="card-image card-area-2"><img loading="lazy" width="1024" height="683" decoding="async" data-nimg="1" style="color:transparent;height:auto;object-fit:cover;width:100%;background-size:cover;background-position:50% 50%;background-repeat:no-repeat;background-image:url("data:image/svg+xml;charset=utf-8,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 1024 683'%3E%3Cfilter id='b' color-interpolation-filters='sRGB'%3E%3CfeGaussianBlur stdDeviation='20'/%3E%3CfeColorMatrix values='1 0 0 0 0 0 1 0 0 0 0 0 1 0 0 0 0 0 100 -1' result='s'/%3E%3CfeFlood x='0' y='0' width='100%25' height='100%25'/%3E%3CfeComposite operator='out' in='s'/%3E%3CfeComposite in2='SourceGraphic'/%3E%3CfeGaussianBlur stdDeviation='20'/%3E%3C/filter%3E%3Cimage width='100%25' height='100%25' x='0' y='0' preserveAspectRatio='none' style='filter: url(%23b);' href='data:image/png;base64,iVBORw0KGgoAAAANSUhEUgAAAAEAAAABCAYAAAAfFcSJAAAADUlEQVR42mO8fv1mPQAIHAMIsIR6agAAAABJRU5ErkJggg=='/%3E%3C/svg%3E")" sizes="100vw" srcSet="https://fortune.com/img-assets/wp-content/uploads/2024/05/Recommends_Sky-Blue-Credit-logo.png?w=320&q=75 320w, https://fortune.com/img-assets/wp-content/uploads/2024/05/Recommends_Sky-Blue-Credit-logo.png?w=384&q=75 384w, https://fortune.com/img-assets/wp-content/uploads/2024/05/Recommends_Sky-Blue-Credit-logo.png?w=480&q=75 480w, https://fortune.com/img-assets/wp-content/uploads/2024/05/Recommends_Sky-Blue-Credit-logo.png?w=576&q=75 576w, https://fortune.com/img-assets/wp-content/uploads/2024/05/Recommends_Sky-Blue-Credit-logo.png?w=768&q=75 768w, https://fortune.com/img-assets/wp-content/uploads/2024/05/Recommends_Sky-Blue-Credit-logo.png?w=1024&q=75 1024w, https://fortune.com/img-assets/wp-content/uploads/2024/05/Recommends_Sky-Blue-Credit-logo.png?w=1280&q=75 1280w, https://fortune.com/img-assets/wp-content/uploads/2024/05/Recommends_Sky-Blue-Credit-logo.png?w=1440&q=75 1440w" src="https://fortune.com/img-assets/wp-content/uploads/2024/05/Recommends_Sky-Blue-Credit-logo.png?w=1440&q=75"/></div> <div class="card-area-3"> <a href="https://secure.money.com/pr/o684d060e488?s1=3785728" target="_blank" class="sc-93594058-0 fowfrQ button-desktop redirect" aria-label="Go to https://secure.money.com/pr/o684d060e488?s1=3785728" rel="noopener nofollow" aria-disabled="true">View offer</a> <p class="cta-caption">at Sky Blue Credit</p> </div> <div class="card-area-4"><section class="card-accordion two-pannels" role="tablist"> <!-- --> <input id="control0-aeb8495f-c342-4e42-bdcc-3178933220dd" role="tab" name="accordion-pannel-aeb8495f-c342-4e42-bdcc-3178933220dd" type="radio" aria-controls="content0-aeb8495f-c342-4e42-bdcc-3178933220dd" checked=""/> <label id="label0-aeb8495f-c342-4e42-bdcc-3178933220dd" tabindex="0" role="button" for="control0-aeb8495f-c342-4e42-bdcc-3178933220dd">Available Plans</label> <div id="content0-aeb8495f-c342-4e42-bdcc-3178933220dd" class="card-accordion-panel" role="tabpanel" aria-labelledby="label0-aeb8495f-c342-4e42-bdcc-3178933220dd"> <li><strong>Basic:</strong> $79 per month for individuals, $119 per month for couples.</li> <li><strong>Full:</strong> $99 per month for individuals, $149 per month for couples.</li> </div> <!-- --> <input id="control1-aeb8495f-c342-4e42-bdcc-3178933220dd" role="tab" name="accordion-pannel-aeb8495f-c342-4e42-bdcc-3178933220dd" type="radio" aria-controls="content1-aeb8495f-c342-4e42-bdcc-3178933220dd"/> <label id="label1-aeb8495f-c342-4e42-bdcc-3178933220dd" tabindex="0" role="button" for="control1-aeb8495f-c342-4e42-bdcc-3178933220dd">Customer Service</label> <div id="content1-aeb8495f-c342-4e42-bdcc-3178933220dd" class="card-accordion-panel" role="tabpanel" aria-labelledby="label1-aeb8495f-c342-4e42-bdcc-3178933220dd"> Need to reach Sky Blue Credit? The Florida-based company is available over the phone on weekdays between 9:00am and 5:00pm EST. Existing customers can log in to the credit repair company’s platform to send secure messages. </div> <a href="https://secure.money.com/pr/o684d060e488?s1=3785728" target="_blank" class="sc-93594058-0 fowfrQ button-mobile redirect" aria-label="Go to https://secure.money.com/pr/o684d060e488?s1=3785728" rel="noopener nofollow" aria-disabled="true">View offer</a> <p class="cta-caption">at Sky Blue Credit</p> </section></div> </div> <h4 class="wp-block-heading"><strong>Why we like Sky Blue as best credit repair for couples</strong> </h4> <p>Sky Blue Credit is our top pick for those looking to repair their credit. The company has an A+ Better Business Bureau (BBB) rating, and it offers affordable pricing, a $0 set-up fee, and a 90-day money-back guarantee. According to Sky Blue Credit, the average time it takes to see results in our reports is 45 days. Additionally, Sky Blue Credit offers a special discount for couples. This makes it a great option if you want to work as a team to better your financial situation in general or in advance of a home purchase. </p> <p>While Sky Blue Credit has many pros, feedback from past customers is fairly limited and existing reviews are mixed. The company has two consumer reviews on Trustpilot, with a 2.9 out of 5 star rating. But it’s important to note that its Trustpilot reviews don’t look legitimate. It fares slightly better with BBB reviewers, with an average of 3.67 out of 5 stars. Reviews on BBB seem authentic, with some past customers praising the company’s customer service team and positive results. That said, a few reviewers mentioned that they didn’t see their credit improve after working with Sky Blue.</p> <p>Sky Blue Credit has two recent CFPB complaints, one of which was resolved in a timely manner. The other remains unresolved, but the complaint itself states that the company didn’t help repair their credit. It’s worth noting that credit repair companies don’t guarantee they can fix your credit.</p> <p>Additionally, Sky Blue Credit does not highlight identity theft support or tools on its website.</p> <h4 class="wp-block-heading">Sky Blue Credit’s pros and cons</h4> <p><style>N/A</style></p><div class="pros_cons"><div><h3>Pros</h3><ul><li style="font-weight:400" aria-level="1"><span style="font-weight:400">90-day money-back guarantee </span></li><li style="font-weight:400" aria-level="1"><span style="font-weight:400">Can cancel or pause your service anytime</span></li><li style="font-weight:400" aria-level="1"><span style="font-weight:400">More affordable than some competitors</span></li></ul></div><div><h3>Cons</h3><ul><li style="font-weight:400" aria-level="1"><span style="font-weight:400">Some negative reviews from past customers</span></li><li style="font-weight:400" aria-level="1"><span style="font-weight:400">Doesn’t specify how many disputes it offers with its plans </span></li><li style="font-weight:400" aria-level="1"><span style="font-weight:400">No credit builder tool with basic service</span></li></ul></div></div> <h4 class="wp-block-heading"><strong>Sky Blue’s plans breakdown</strong></h4> <p>Sky Blue Credit offers two plan types, both with the option to sign up as an individual or couple.</p> <div class="sc-7f95e2e5-0 gjfgNu"><table class="sc-7f95e2e5-1 sc-7f95e2e5-2 ffjStY jyzPUY"><thead><tr><th scope="col">Plans</th><th scope="col">Pricing</th><th scope="col">Features</th></tr></thead><tbody><tr><th scope="row">Basic</th><td class="">$79 per month for individuals, $119 per month for couples</td><td class="last-cell">– Three-bureau reports and scores<br/>– Unspecified number of credit bureaus disputes<br/>– One-on-one consultations<br/>– Score tracker<br/>– 24/7 access to client portal<br/>– 60 day credit updates</td></tr><tr><th scope="row">Full</th><td class="">$99 per month for individuals, $149 per month for couples</td><td class="last-cell">Everything in basic, plus:<br/>– Creditor interventions<br/>– Inquiry disputes<br/>– Debt validation letters<br/>– Cease and desist letters<br/>– Personal information correction letters<br/>– 45 day credit updates<br/>– Credit builder tool</td></tr></tbody></table><table class="sc-7f95e2e5-1 sc-7f95e2e5-3 ffjStY cbifJr"><tbody><tr><th>Basic</th><th class="last-cell"></th></tr><tr><th class="header" scope="row">Pricing</th><td>$79 per month for individuals, $119 per month for couples</td></tr><tr><th class="header" scope="row">Features</th><td>– Three-bureau reports and scores<br/>– Unspecified number of credit bureaus disputes<br/>– One-on-one consultations<br/>– Score tracker<br/>– 24/7 access to client portal<br/>– 60 day credit updates</td></tr><tr><th>Full</th><th class="last-cell"></th></tr><tr><th class="header" scope="row">Pricing</th><td>$99 per month for individuals, $149 per month for couples</td></tr><tr><th class="header" scope="row">Features</th><td>Everything in basic, plus:<br/>– Creditor interventions<br/>– Inquiry disputes<br/>– Debt validation letters<br/>– Cease and desist letters<br/>– Personal information correction letters<br/>– 45 day credit updates<br/>– Credit builder tool</td></tr></tbody></table></div> <h4 class="wp-block-heading">Does Sky Blue Credit limit the number of monthly disputes?</h4> <p>Sky Blue Credit provides credit bureau disputes with both of its plans, but it doesn’t disclose how many monthly disputes it offers. In the past, it seems this company has limited disputes to 15 a month—five for each of the major credit bureaus. But it doesn’t specify a limit any longer.</p> <h4 class="wp-block-heading">Does Sky Blue Credit offer discounts?</h4> <p>Sky Blue doesn’t offer a discount, per se, though it does provide special savings for couples seeking help with credit repair. If you opt for a basic plan, you can add your partner to the service for $40 per month for a total of $119 monthly. That cost increases to $50 per month with its full-service plans, bringing the total cost to $149 monthly.</p> <p>Learn more in our full <a href="https://fortune.com/recommends/loans/sky-blue-credit-review/" target="_self" class="sc-93594058-0 fowfrQ " aria-label="Go to https://fortune.com/recommends/loans/sky-blue-credit-review/">Sky Blue Credit review</a>.</p> <div class="wp-block-group pro-tip-box-widget"><div class="wp-block-group__inner-container is-layout-constrained wp-block-group-is-layout-constrained"><h3 class="wp-block-heading pro-tip-box-heading">Dig deeper:</h3> <p><a href="https://fortune.com/recommends/credit-cards/is-bad-credit-worse-than-no-credit/" target="_self" class="sc-93594058-0 fowfrQ " aria-label="Go to https://fortune.com/recommends/credit-cards/is-bad-credit-worse-than-no-credit/">Bad credit vs. no credit: Which is worse?</a><br/><a href="https://fortune.com/recommends/credit-cards/how-to-check-your-credit-score/" target="_self" class="sc-93594058-0 fowfrQ " aria-label="Go to https://fortune.com/recommends/credit-cards/how-to-check-your-credit-score/">5 easy options for checking your credit score</a><br/><a href="https://fortune.com/recommends/credit-cards/what-is-a-good-credit-score/" target="_self" class="sc-93594058-0 fowfrQ " aria-label="Go to https://fortune.com/recommends/credit-cards/what-is-a-good-credit-score/">What’s a good credit score? It depends on the lender and credit-scoring model</a></p></div></div> <h2 class="wp-block-heading" id="thecreditpeople">Best for low initial work fees: The Credit People </h2> <p>The Credit People has been in business since 2001, and it has helped over 100,000 customers struggling with their credit. New customers get a free credit consultation to discuss their specific situation with a company representative. Its services also include unlimited disputes, credit score tracking, monthly credit scores and reports, and higher-level interventions and disputes for premium account holders.</p> <div class="product-card-inline-wrapper"> <div class="card-area-1"> <h3 id="the-credit-people" class="card-title"><a href="https://secure.money.com/pr/u6160ff3d6f7?s1=3785728" target="_blank" class="sc-93594058-0 fowfrQ redirect" aria-label="Go to https://secure.money.com/pr/u6160ff3d6f7?s1=3785728" rel="nofollow noopener noreferrer" aria-disabled="true">The Credit People</a></h3> <section class="card-description"> <table> <tbody> <tr> <td>Minimum Monthly Cost</td> <td>$99</td> </tr> <tr> <td>Setup Fee</td> <td>$19</td> </tr> <tr> <td>Money Back Guarantee</td> <td>Yes, 6 months</td> </tr> </tbody> </table> </section></div> <div class="card-image card-area-2"><img loading="lazy" width="1024" height="683" decoding="async" data-nimg="1" style="color:transparent;height:auto;object-fit:cover;width:100%;background-size:cover;background-position:50% 50%;background-repeat:no-repeat;background-image:url("data:image/svg+xml;charset=utf-8,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 1024 683'%3E%3Cfilter id='b' color-interpolation-filters='sRGB'%3E%3CfeGaussianBlur stdDeviation='20'/%3E%3CfeColorMatrix values='1 0 0 0 0 0 1 0 0 0 0 0 1 0 0 0 0 0 100 -1' result='s'/%3E%3CfeFlood x='0' y='0' width='100%25' height='100%25'/%3E%3CfeComposite operator='out' in='s'/%3E%3CfeComposite in2='SourceGraphic'/%3E%3CfeGaussianBlur stdDeviation='20'/%3E%3C/filter%3E%3Cimage width='100%25' height='100%25' x='0' y='0' preserveAspectRatio='none' style='filter: url(%23b);' href='data:image/png;base64,iVBORw0KGgoAAAANSUhEUgAAAAEAAAABCAYAAAAfFcSJAAAADUlEQVR42mO8fv1mPQAIHAMIsIR6agAAAABJRU5ErkJggg=='/%3E%3C/svg%3E")" sizes="100vw" srcSet="https://fortune.com/img-assets/wp-content/uploads/2024/05/Recommends_The-Credit-People-Logo.png?w=320&q=75 320w, https://fortune.com/img-assets/wp-content/uploads/2024/05/Recommends_The-Credit-People-Logo.png?w=384&q=75 384w, https://fortune.com/img-assets/wp-content/uploads/2024/05/Recommends_The-Credit-People-Logo.png?w=480&q=75 480w, https://fortune.com/img-assets/wp-content/uploads/2024/05/Recommends_The-Credit-People-Logo.png?w=576&q=75 576w, https://fortune.com/img-assets/wp-content/uploads/2024/05/Recommends_The-Credit-People-Logo.png?w=768&q=75 768w, https://fortune.com/img-assets/wp-content/uploads/2024/05/Recommends_The-Credit-People-Logo.png?w=1024&q=75 1024w, https://fortune.com/img-assets/wp-content/uploads/2024/05/Recommends_The-Credit-People-Logo.png?w=1280&q=75 1280w, https://fortune.com/img-assets/wp-content/uploads/2024/05/Recommends_The-Credit-People-Logo.png?w=1440&q=75 1440w" src="https://fortune.com/img-assets/wp-content/uploads/2024/05/Recommends_The-Credit-People-Logo.png?w=1440&q=75"/></div> <div class="card-area-3"> <a href="https://secure.money.com/pr/u6160ff3d6f7?s1=3785728" target="_blank" class="sc-93594058-0 fowfrQ button-desktop redirect" aria-label="Go to https://secure.money.com/pr/u6160ff3d6f7?s1=3785728" rel="noopener nofollow" aria-disabled="true">View offer</a> <p class="cta-caption">at The Credit People</p> </div> <div class="card-area-4"><section class="card-accordion two-pannels" role="tablist"> <!-- --> <input id="control0-692cb18f-50a2-4cad-98e7-6e9bb2d39535" role="tab" name="accordion-pannel-692cb18f-50a2-4cad-98e7-6e9bb2d39535" type="radio" aria-controls="content0-692cb18f-50a2-4cad-98e7-6e9bb2d39535" checked=""/> <label id="label0-692cb18f-50a2-4cad-98e7-6e9bb2d39535" tabindex="0" role="button" for="control0-692cb18f-50a2-4cad-98e7-6e9bb2d39535">Available Plans</label> <div id="content0-692cb18f-50a2-4cad-98e7-6e9bb2d39535" class="card-accordion-panel" role="tabpanel" aria-labelledby="label0-692cb18f-50a2-4cad-98e7-6e9bb2d39535"> <li><strong>Standard:</strong> $99 per month, plus a $19 initial work fee.</li> <li><strong>Premium:</strong> $119 per month, plus a $19 initial work fee.</li> <li><strong>Flat rate:</strong> $599 for six months, plus a $19 initial work fee.</li> </div> <!-- --> <input id="control1-692cb18f-50a2-4cad-98e7-6e9bb2d39535" role="tab" name="accordion-pannel-692cb18f-50a2-4cad-98e7-6e9bb2d39535" type="radio" aria-controls="content1-692cb18f-50a2-4cad-98e7-6e9bb2d39535"/> <label id="label1-692cb18f-50a2-4cad-98e7-6e9bb2d39535" tabindex="0" role="button" for="control1-692cb18f-50a2-4cad-98e7-6e9bb2d39535">Customer Service</label> <div id="content1-692cb18f-50a2-4cad-98e7-6e9bb2d39535" class="card-accordion-panel" role="tabpanel" aria-labelledby="label1-692cb18f-50a2-4cad-98e7-6e9bb2d39535"> Need to reach The Credit People? The company—with offices in Chicago, Florida, and Utah—is available over the phone, fax, or email. The Credit People’s hours of operations are not made available on its website. </div> <a href="https://secure.money.com/pr/u6160ff3d6f7?s1=3785728" target="_blank" class="sc-93594058-0 fowfrQ button-mobile redirect" aria-label="Go to https://secure.money.com/pr/u6160ff3d6f7?s1=3785728" rel="noopener nofollow" aria-disabled="true">View offer</a> <p class="cta-caption">at The Credit People</p> </section></div> </div> <h4 class="wp-block-heading"><strong>Why we like The Credit People</strong> </h4> <p>The Credit People is worth considering if you need moderate assistance with your credit without all the bells and whistles of a service, such as Credit Saint. </p> <p>It’s also a great choice if you have a limited budget and are seeking a credit repair service that offers low initial work fees. These fees can be costly, so the fact that The Credit People charges $19 sets it apart from competitors. While this company doesn’t offer a money-back guarantee, it does let you cancel at any time, and you won’t be charged for that particular month of service. </p> <p>While The Credit People could be a good fit for some, online reviews from past customers are poor overall. The company has a 2.3- out of 5-star rating across seven Trustpilot reviews, and a 2.42- out of 5-star rating with BBB reviewers. Happy customers praise its customer service team and good results, though many displeased reviewers mention they didn’t see any improvement to their credit after using this company.</p> <p>Identity theft is a main driver to poor credit. However, The Credit People does not specify on its website any focus for clients with identity theft issues.</p> <h4 class="wp-block-heading">The Credit People’s pros and cons</h4> <p><style>N/A</style></p><div class="pros_cons"><div><h3>Pros</h3><ul><li style="font-weight:400" aria-level="1"><span style="font-weight:400">Fairly low initial work fee </span></li><li style="font-weight:400" aria-level="1"><span style="font-weight:400">Can cancel at any time</span></li><li style="font-weight:400" aria-level="1"><span style="font-weight:400">Unlimited disputes with each plan</span></li></ul></div><div><h3>Cons</h3><ul><li style="font-weight:400" aria-level="1"><span style="font-weight:400">Higher plan costs than some competitors</span></li><li style="font-weight:400" aria-level="1"><span style="font-weight:400">Mixed customer reviews</span></li><li style="font-weight:400" aria-level="1"><span style="font-weight:400">No money-back guarantee</span></li></ul></div></div> <h4 class="wp-block-heading"><strong>The Credit People’s plans breakdown</strong></h4> <p>Like Credit Saint, The Credit People offers tiered plans based on the level of service you require. There are no differences in the features between the Premium and Flat rate plans; the only difference is a commitment for six months with Flat rate.</p> <div class="sc-7f95e2e5-0 gjfgNu"><table class="sc-7f95e2e5-1 sc-7f95e2e5-2 ffjStY jyzPUY"><thead><tr><th scope="col">Plans</th><th scope="col">Pricing</th><th scope="col">Features</th></tr></thead><tbody><tr><th scope="row">Standard</th><td class="">$99 per month, plus a $19 initial work fee</td><td class="last-cell">– Unlimited disputes to all three major credit bureaus<br/>– A before and after snapshot of your credit scores</td></tr><tr><th scope="row">Premium</th><td class="">$119 per month, plus a $19 initial work fee</td><td class="last-cell">Everything in the Standard plan, plus:<br/>– Monthly credit reports and scores<br/>– Creditor interventions<br/>– Escalated dispute<br/>– Validation requests</td></tr><tr><th scope="row">Flat rate</th><td class="">$599 for six months, plus a $19 initial work fee</td><td class="last-cell">Everything in the Premium plan for a six-month flat rate</td></tr></tbody></table><table class="sc-7f95e2e5-1 sc-7f95e2e5-3 ffjStY cbifJr"><tbody><tr><th>Standard</th><th class="last-cell"></th></tr><tr><th class="header" scope="row">Pricing</th><td>$99 per month, plus a $19 initial work fee</td></tr><tr><th class="header" scope="row">Features</th><td>– Unlimited disputes to all three major credit bureaus<br/>– A before and after snapshot of your credit scores</td></tr><tr><th>Premium</th><th class="last-cell"></th></tr><tr><th class="header" scope="row">Pricing</th><td>$119 per month, plus a $19 initial work fee</td></tr><tr><th class="header" scope="row">Features</th><td>Everything in the Standard plan, plus:<br/>– Monthly credit reports and scores<br/>– Creditor interventions<br/>– Escalated dispute<br/>– Validation requests</td></tr><tr><th>Flat rate</th><th class="last-cell"></th></tr><tr><th class="header" scope="row">Pricing</th><td>$599 for six months, plus a $19 initial work fee</td></tr><tr><th class="header" scope="row">Features</th><td>Everything in the Premium plan for a six-month flat rate</td></tr></tbody></table></div> <h4 class="wp-block-heading">Does The Credit People limit the number of monthly disputes?</h4> <p>The Credit People gives you unlimited monthly disputes with all of its plans, which is a huge competitive differentiator. Many other companies limit disputes, especially with lower-tier plans. Unlimited disputes mean that you might see results in a shorter time frame, as the company won’t be sending a limit of only five or 10 challenges each month. </p> <h4 class="wp-block-heading">Does The Credit People offer discounts?</h4> <p>The Credit People doesn’t offer a percentage-off discount for its plans, though you can get a reduction in price when you sign up for six months of its premium plan. Typically, its premium plan costs $119 per month, but you can get a flat rate of $599 when you sign up for six months — a total cost reduction of $115.</p> <p>Learn more about the credit repair company in our <a href="https://fortune.com/recommends/loans/the-credit-people-review/" target="_self" class="sc-93594058-0 fowfrQ " aria-label="Go to https://fortune.com/recommends/loans/the-credit-people-review/">full review of The Credit People</a>.</p> <h2 class="wp-block-heading" id="bestforadditionalfeaturesthecreditpros">Best for additional features: The Credit Pros </h2> <p>Launched in 2009, The Credit Pros has grown to become a reputable credit repair company with over 1 million customers. It provides all the services you’d expect from a credit repair company, plus some extras. </p> <p>The Credit Pros also offers clear guidance on its process, explaining how it works from start to finish. In addition to helping clients repair their credit, The Credit Pros also offers tools to help them understand their finances and credit better. It provides a more holistic credit and budgeting solution than many competitors. The Credit Pros offers three plans, and it has no recent complaints with the CFPB.</p> <div class="product-card-inline-wrapper"> <div class="card-area-1"> <h3 id="the-credit-pros" class="card-title"><a href="https://tracking.thecreditpros.com/aff_c?offer_id=91&aff_id=3722&promo_number=844-546-8642&phone_number=&GUID=&adv_sub=3785728" target="_blank" class="sc-93594058-0 fowfrQ redirect" aria-label="Go to https://tracking.thecreditpros.com/aff_c?offer_id=91&aff_id=3722&promo_number=844-546-8642&phone_number=&GUID=&adv_sub=3785728" rel="nofollow noopener noreferrer" aria-disabled="true">The Credit Pros</a></h3> <section class="card-description"> <table> <tbody> <tr> <td>Minimum Monthly Cost</td> <td>$69.99</td> </tr> <tr> <td>Setup Fee</td> <td>$119, $129, or $149</td> </tr> <tr> <td>Money Back Guarantee</td> <td>Yes, 90 days</td> </tr> </tbody> </table> </section></div> <div class="card-image card-area-2"><img loading="lazy" width="1024" height="683" decoding="async" data-nimg="1" style="color:transparent;height:auto;object-fit:cover;width:100%;background-size:cover;background-position:50% 50%;background-repeat:no-repeat;background-image:url("data:image/svg+xml;charset=utf-8,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 1024 683'%3E%3Cfilter id='b' color-interpolation-filters='sRGB'%3E%3CfeGaussianBlur stdDeviation='20'/%3E%3CfeColorMatrix values='1 0 0 0 0 0 1 0 0 0 0 0 1 0 0 0 0 0 100 -1' result='s'/%3E%3CfeFlood x='0' y='0' width='100%25' height='100%25'/%3E%3CfeComposite operator='out' in='s'/%3E%3CfeComposite in2='SourceGraphic'/%3E%3CfeGaussianBlur stdDeviation='20'/%3E%3C/filter%3E%3Cimage width='100%25' height='100%25' x='0' y='0' preserveAspectRatio='none' style='filter: url(%23b);' href='data:image/png;base64,iVBORw0KGgoAAAANSUhEUgAAAAEAAAABCAYAAAAfFcSJAAAADUlEQVR42mO8fv1mPQAIHAMIsIR6agAAAABJRU5ErkJggg=='/%3E%3C/svg%3E")" sizes="100vw" srcSet="https://fortune.com/img-assets/wp-content/uploads/2024/05/Recommends_The-Credit-Pros-logo.png?w=320&q=75 320w, https://fortune.com/img-assets/wp-content/uploads/2024/05/Recommends_The-Credit-Pros-logo.png?w=384&q=75 384w, https://fortune.com/img-assets/wp-content/uploads/2024/05/Recommends_The-Credit-Pros-logo.png?w=480&q=75 480w, https://fortune.com/img-assets/wp-content/uploads/2024/05/Recommends_The-Credit-Pros-logo.png?w=576&q=75 576w, https://fortune.com/img-assets/wp-content/uploads/2024/05/Recommends_The-Credit-Pros-logo.png?w=768&q=75 768w, https://fortune.com/img-assets/wp-content/uploads/2024/05/Recommends_The-Credit-Pros-logo.png?w=1024&q=75 1024w, https://fortune.com/img-assets/wp-content/uploads/2024/05/Recommends_The-Credit-Pros-logo.png?w=1280&q=75 1280w, https://fortune.com/img-assets/wp-content/uploads/2024/05/Recommends_The-Credit-Pros-logo.png?w=1440&q=75 1440w" src="https://fortune.com/img-assets/wp-content/uploads/2024/05/Recommends_The-Credit-Pros-logo.png?w=1440&q=75"/></div> <div class="card-area-3"> <a href="https://tracking.thecreditpros.com/aff_c?offer_id=91&aff_id=3722&promo_number=844-546-8642&phone_number=&GUID=&adv_sub=3785728" target="_blank" class="sc-93594058-0 fowfrQ button-desktop redirect" aria-label="Go to https://tracking.thecreditpros.com/aff_c?offer_id=91&aff_id=3722&promo_number=844-546-8642&phone_number=&GUID=&adv_sub=3785728" rel="nofollow noopener noreferrer" aria-disabled="true">View Offer</a> <p class="cta-caption">at The Credit Pros</p> </div> <div class="card-area-4"><section class="card-accordion two-pannels" role="tablist"> <!-- --> <input id="control0-b840f4b9-fb27-47e6-bd72-54fb999035e1" role="tab" name="accordion-pannel-b840f4b9-fb27-47e6-bd72-54fb999035e1" type="radio" aria-controls="content0-b840f4b9-fb27-47e6-bd72-54fb999035e1" checked=""/> <label id="label0-b840f4b9-fb27-47e6-bd72-54fb999035e1" tabindex="0" role="button" for="control0-b840f4b9-fb27-47e6-bd72-54fb999035e1">Available Plans</label> <div id="content0-b840f4b9-fb27-47e6-bd72-54fb999035e1" class="card-accordion-panel" role="tabpanel" aria-labelledby="label0-b840f4b9-fb27-47e6-bd72-54fb999035e1"> <li><strong>Money Management:</strong> $69 per month, plus a $119 initial work fee.</li> <li><strong>Prosperity:</strong> $129 per month, plus a $129 initial work fee.</li> <li><strong>Success Plus:</strong> $149 per month, plus a $149 initial work fee.</li> </div> <!-- --> <input id="control1-b840f4b9-fb27-47e6-bd72-54fb999035e1" role="tab" name="accordion-pannel-b840f4b9-fb27-47e6-bd72-54fb999035e1" type="radio" aria-controls="content1-b840f4b9-fb27-47e6-bd72-54fb999035e1"/> <label id="label1-b840f4b9-fb27-47e6-bd72-54fb999035e1" tabindex="0" role="button" for="control1-b840f4b9-fb27-47e6-bd72-54fb999035e1">Customer Service</label> <div id="content1-b840f4b9-fb27-47e6-bd72-54fb999035e1" class="card-accordion-panel" role="tabpanel" aria-labelledby="label1-b840f4b9-fb27-47e6-bd72-54fb999035e1"> Need to reach The Credit Pros? The Florida-based company is over the phone and email. You can also use The Credit Pros’ live chat feature on its website. </div> <a href="https://tracking.thecreditpros.com/aff_c?offer_id=91&aff_id=3722&promo_number=844-546-8642&phone_number=&GUID=&adv_sub=3785728" target="_blank" class="sc-93594058-0 fowfrQ button-mobile redirect" aria-label="Go to https://tracking.thecreditpros.com/aff_c?offer_id=91&aff_id=3722&promo_number=844-546-8642&phone_number=&GUID=&adv_sub=3785728" rel="noopener" aria-disabled="true">View Offer</a> <p class="cta-caption">at The Credit Pros</p> </section></div> </div> <h4 class="wp-block-heading"><strong>Why we like The Credit Pros</strong> </h4> <p>Those seeking additional money management features beyond credit repair might find what they’re looking for with The Credit Pros. In addition to typical credit repair services, such as dispute letters and creditor interventions, users also get access to identity monitoring, a budgeting system, bill reminders, and a credit-builder loan with the top-tier account. That said, The Credit Pros isn’t the cheapest option around, so it may not be the best choice if you’re on a tight budget and prioritizing affordability. </p> <p>The Credit Pros also includes “ID Cover Darkweb Monitoring” feature in each plan, which is designed to protect clients and their data from identity theft.</p> <p>The Credit Pros fares pretty well with its past customers. Online reviewers rate the company 3.83 out of 5 stars on its BBB page. It also has an A+ rating with the BBB itself. However, it did receive over 25 complaints on BBB over the last 12 months. Additionally, its Trustpilot page was shut down recently because it didn’t follow the site’s guidelines. Trustpilot indicates that it “removed a number of fake reviews for this company.” This could call its reviews on other sites into question too. However, The Credit Pros adamantly rejects the notion of ever using planting inaccurate reviews, and says it has tried to reach out to TrustPilot to rectify the issue. </p> <h4 class="wp-block-heading">The Credit Pro’s pros and cons</h4> <p><style>N/A</style></p><div class="pros_cons"><div><h3>Pros</h3><ul><li style="font-weight:400" aria-level="1"><span style="font-weight:400">Discount available </span></li><li style="font-weight:400" aria-level="1"><span style="font-weight:400">Offers 60-day satisfaction guarantee </span></li><li style="font-weight:400" aria-level="1"><span style="font-weight:400">Offers bill reminders for each plan</span></li><li aria-level="1"><span style="font-weight:400">Identity theft monitoring available in all plans</span></li></ul></div><div><h3>Cons</h3><ul><li style="font-weight:400" aria-level="1"><span style="font-weight:400">Past legal issues</span></li><li style="font-weight:400" aria-level="1"><span style="font-weight:400">Relatively expensive plans</span></li></ul></div></div> <h4 class="wp-block-heading"><strong>The Credit Pros’ plan breakdowns</strong></h4> <p>The Credit Pros offers its client three plan options ranging from $69 to $149 per month. Unlike most other credit repair companies, The Credit Pros charge a different initial work fee depending on the plan.</p> <div class="sc-7f95e2e5-0 gjfgNu"><table class="sc-7f95e2e5-1 sc-7f95e2e5-2 ffjStY jyzPUY"><thead><tr><th scope="col">Plans</th><th scope="col">Pricing</th><th scope="col">Features</th></tr></thead><tbody><tr><th scope="row">Money Management</th><td class="">$69 per month, plus a $119 initial work fee</td><td class="last-cell">– Reports and scores from one credit bureau<br/>– ID monitoring<br/>– TransUnion credit alerts <br/>– Real-time account syncing<br/>– Budgeting tool<br/>– Bill reminders</td></tr><tr><th scope="row">Prosperity</th><td class="">$129 per month, plus a $129 initial work fee</td><td class="last-cell">Everything in Money Management, plus:<br/>– Disputes with the three credit bureaus<br/>– Creditor interventions<br/>– Cease and desist letters<br/>– Reference letters for credit card applications</td></tr><tr><th scope="row">Success Plus</th><td class="">$149 per month, plus a $149 initial work fee</td><td class="last-cell">Everything in Prosperity, plus: <br/>– Reports and scores from the three credit bureaus<br/>– Access to a credit-builder loan</td></tr></tbody></table><table class="sc-7f95e2e5-1 sc-7f95e2e5-3 ffjStY cbifJr"><tbody><tr><th>Money Management</th><th class="last-cell"></th></tr><tr><th class="header" scope="row">Pricing</th><td>$69 per month, plus a $119 initial work fee</td></tr><tr><th class="header" scope="row">Features</th><td>– Reports and scores from one credit bureau<br/>– ID monitoring<br/>– TransUnion credit alerts <br/>– Real-time account syncing<br/>– Budgeting tool<br/>– Bill reminders</td></tr><tr><th>Prosperity</th><th class="last-cell"></th></tr><tr><th class="header" scope="row">Pricing</th><td>$129 per month, plus a $129 initial work fee</td></tr><tr><th class="header" scope="row">Features</th><td>Everything in Money Management, plus:<br/>– Disputes with the three credit bureaus<br/>– Creditor interventions<br/>– Cease and desist letters<br/>– Reference letters for credit card applications</td></tr><tr><th>Success Plus</th><th class="last-cell"></th></tr><tr><th class="header" scope="row">Pricing</th><td>$149 per month, plus a $149 initial work fee</td></tr><tr><th class="header" scope="row">Features</th><td>Everything in Prosperity, plus: <br/>– Reports and scores from the three credit bureaus<br/>– Access to a credit-builder loan</td></tr></tbody></table></div> <h4 class="wp-block-heading">Does The Credit Pros limit the number of monthly disputes?</h4> <p>The Credit Pros doesn’t limit the number of monthly disputes it sends on your behalf. Instead, it offers unlimited disputes with each of its plans. This sets it apart from certain competitors that send a relatively small number of monthly disputes. </p> <h4 class="wp-block-heading">Does The Credit Pros offer discounts?</h4> <p>The Credit Pros is currently advertising a $100 off coupon for new customers who enroll in its plans online. While this could bring the cost of a plan down significantly, this company’s high work fees are still a significant cost.</p> <p>Learn more in our <a href="https://fortune.com/recommends/loans/the-credit-pros-review/" target="_self" class="sc-93594058-0 fowfrQ " aria-label="Go to https://fortune.com/recommends/loans/the-credit-pros-review/">full review on The Credit Pros</a>.</p> <h2 class="wp-block-heading" id="most-affordable-credit-firm">Most affordable: Credit Firm</h2> <p>Credit Firm has been helping consumers improve their credit scores since 1997 and was founded by attorneys who specialize in consumer credit.</p> <div class="product-card-inline-wrapper"> <div class="card-area-1"> <h3 id="credit-firm" class="card-title"><a href="https://secure.money.com/pr/u757688c05d6?s1=3785728" target="_blank" class="sc-93594058-0 fowfrQ redirect" aria-label="Go to https://secure.money.com/pr/u757688c05d6?s1=3785728" rel="nofollow noopener noreferrer" aria-disabled="true">Credit Firm</a></h3> <section class="card-description"> <table> <tbody> <tr> <td>Minimum Monthly Cost</td> <td>$49.99</td> </tr> <tr> <td>Setup Fee</td> <td>$0</td> </tr> <tr> <td>Money Back Guarantee</td> <td>No</td> </tr> </tbody> </table> </section></div> <div class="card-image card-area-2"><img loading="lazy" width="1024" height="683" decoding="async" data-nimg="1" style="color:transparent;height:auto;object-fit:cover;width:100%;background-size:cover;background-position:50% 50%;background-repeat:no-repeat;background-image:url("data:image/svg+xml;charset=utf-8,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 1024 683'%3E%3Cfilter id='b' color-interpolation-filters='sRGB'%3E%3CfeGaussianBlur stdDeviation='20'/%3E%3CfeColorMatrix values='1 0 0 0 0 0 1 0 0 0 0 0 1 0 0 0 0 0 100 -1' result='s'/%3E%3CfeFlood x='0' y='0' width='100%25' height='100%25'/%3E%3CfeComposite operator='out' in='s'/%3E%3CfeComposite in2='SourceGraphic'/%3E%3CfeGaussianBlur stdDeviation='20'/%3E%3C/filter%3E%3Cimage width='100%25' height='100%25' x='0' y='0' preserveAspectRatio='none' style='filter: url(%23b);' href='data:image/png;base64,iVBORw0KGgoAAAANSUhEUgAAAAEAAAABCAYAAAAfFcSJAAAADUlEQVR42mO8fv1mPQAIHAMIsIR6agAAAABJRU5ErkJggg=='/%3E%3C/svg%3E")" sizes="100vw" srcSet="https://fortune.com/img-assets/wp-content/uploads/2024/05/Recommends_Credit-Firm-logo.png?w=320&q=75 320w, https://fortune.com/img-assets/wp-content/uploads/2024/05/Recommends_Credit-Firm-logo.png?w=384&q=75 384w, https://fortune.com/img-assets/wp-content/uploads/2024/05/Recommends_Credit-Firm-logo.png?w=480&q=75 480w, https://fortune.com/img-assets/wp-content/uploads/2024/05/Recommends_Credit-Firm-logo.png?w=576&q=75 576w, https://fortune.com/img-assets/wp-content/uploads/2024/05/Recommends_Credit-Firm-logo.png?w=768&q=75 768w, https://fortune.com/img-assets/wp-content/uploads/2024/05/Recommends_Credit-Firm-logo.png?w=1024&q=75 1024w, https://fortune.com/img-assets/wp-content/uploads/2024/05/Recommends_Credit-Firm-logo.png?w=1280&q=75 1280w, https://fortune.com/img-assets/wp-content/uploads/2024/05/Recommends_Credit-Firm-logo.png?w=1440&q=75 1440w" src="https://fortune.com/img-assets/wp-content/uploads/2024/05/Recommends_Credit-Firm-logo.png?w=1440&q=75"/></div> <div class="card-area-3"> <a href="https://secure.money.com/pr/u757688c05d6?s1=3785728" target="_blank" class="sc-93594058-0 fowfrQ button-desktop redirect" aria-label="Go to https://secure.money.com/pr/u757688c05d6?s1=3785728" rel="noopener nofollow" aria-disabled="true">View offer</a> <p class="cta-caption">at Credit Firm</p> </div> <div class="card-area-4"><section class="card-accordion two-pannels" role="tablist"> <!-- --> <input id="control0-a58cf84f-9f30-4461-a788-04ec3754cc63" role="tab" name="accordion-pannel-a58cf84f-9f30-4461-a788-04ec3754cc63" type="radio" aria-controls="content0-a58cf84f-9f30-4461-a788-04ec3754cc63" checked=""/> <label id="label0-a58cf84f-9f30-4461-a788-04ec3754cc63" tabindex="0" role="button" for="control0-a58cf84f-9f30-4461-a788-04ec3754cc63">Available Plans</label> <div id="content0-a58cf84f-9f30-4461-a788-04ec3754cc63" class="card-accordion-panel" role="tabpanel" aria-labelledby="label0-a58cf84f-9f30-4461-a788-04ec3754cc63"> <li><strong>Individual Plan:</strong> $49.99 per month with $0 set up fee.</li> <li><strong>Couples Plan:</strong> $89.99 per month with $0 set up fee.</li> </div> <!-- --> <input id="control1-a58cf84f-9f30-4461-a788-04ec3754cc63" role="tab" name="accordion-pannel-a58cf84f-9f30-4461-a788-04ec3754cc63" type="radio" aria-controls="content1-a58cf84f-9f30-4461-a788-04ec3754cc63"/> <label id="label1-a58cf84f-9f30-4461-a788-04ec3754cc63" tabindex="0" role="button" for="control1-a58cf84f-9f30-4461-a788-04ec3754cc63">Customer Service</label> <div id="content1-a58cf84f-9f30-4461-a788-04ec3754cc63" class="card-accordion-panel" role="tabpanel" aria-labelledby="label1-a58cf84f-9f30-4461-a788-04ec3754cc63"> Need to reach Credit Firm? According to its website, the Illinois-based company is available 24/7 every day of the year. Credit Firm is available over the phone, fax, email, or by using the contact form on its website. </div> <a href="https://secure.money.com/pr/u757688c05d6?s1=3785728" target="_blank" class="sc-93594058-0 fowfrQ button-mobile redirect" aria-label="Go to https://secure.money.com/pr/u757688c05d6?s1=3785728" rel="noopener nofollow" aria-disabled="true">View offer</a> <p class="cta-caption">at Credit Firm</p> </section></div> </div> <h4 class="wp-block-heading"><strong>Why we like Credit Firm as most affordable credit repair company</strong> </h4> <p>While no credit repair company can truly guarantee results within a specified time frame, Credit Firm says consumers may see results within 30 to 45 days (but should allow for 90 days for more meaningful changes). With its relatively quick average time to see results, couples discount, and unlimited services, Credit Firm can be a great choice for couples looking to get a loan or lower interest rates within a few months. Additionally, the company does not charge a setup fee as many of its competitors do; consumers only pay the $49.99 monthly fee (or $89.99 for couples).</p> <p>Credit Firm has a 3.3 out of 5-star rating on Trustpilot. While 71% of Trustpilot reviewers rate it 4 or 5 stars, indicating they’re satisfied with their results, 20% give it one star. Negative reviewers expressed dissatisfaction with their results, with several mentioning they saw no improvement in their credit scores.</p> <h4 class="wp-block-heading">Credit Firm’s pros and cons</h4> <p><style>N/A</style></p><div class="pros_cons"><div><h3>Pros</h3><ul><li style="font-weight:400" aria-level="1"><span style="font-weight:400">Fairly affordable plans </span></li><li style="font-weight:400" aria-level="1"><span style="font-weight:400">Couples discount available </span></li><li style="font-weight:400" aria-level="1"><span style="font-weight:400">Offers unlimited disputes</span></li></ul></div><div><h3>Cons</h3><ul><li style="font-weight:400" aria-level="1"><span style="font-weight:400">No money-back guarantee</span></li><li style="font-weight:400" aria-level="1"><span style="font-weight:400">Doesn’t offer credit monitoring</span></li><li style="font-weight:400" aria-level="1"><span style="font-weight:400">Mixed customer reviews</span></li></ul></div></div> <h4 class="wp-block-heading"><strong>Credit Firm’s plans breakdown</strong></h4> <p>While Credit Firm does not offer tiered plans as some of its competitors do, it does offer two plans — one for individuals, and the other for couples. Both plans provide the same credit services including unlimited credit bureau and inquiry challenges.</p> <div class="sc-7f95e2e5-0 gjfgNu"><table class="sc-7f95e2e5-1 sc-7f95e2e5-2 ffjStY jyzPUY"><thead><tr><th scope="col">Plans</th><th scope="col">Pricing</th><th scope="col">Features</th></tr></thead><tbody><tr><th scope="row">Standard</th><td class="">$49.99 per month with $0 set up fee</td><td class="last-cell">– Unlimited credit bureau challenges<br/>– Unlimited Inquiry challenges<br/>– Name variance challenges<br/>– Address variance challenges<br/>– Goodwill interventions<br/>– Escalated info requests<br/>– Debt validation<br/>– Cease and desist requests<br/>– Method of verification requests<br/>– Section 609 requests<br/>– CFPB investigations</td></tr><tr><th scope="row">Premium</th><td class="">$89.99 per month with $0 set up fee</td><td class="last-cell">Everything in the Individual Plan, but for you and your spouse</td></tr></tbody></table><table class="sc-7f95e2e5-1 sc-7f95e2e5-3 ffjStY cbifJr"><tbody><tr><th>Standard</th><th class="last-cell"></th></tr><tr><th class="header" scope="row">Pricing</th><td>$49.99 per month with $0 set up fee</td></tr><tr><th class="header" scope="row">Features</th><td>– Unlimited credit bureau challenges<br/>– Unlimited Inquiry challenges<br/>– Name variance challenges<br/>– Address variance challenges<br/>– Goodwill interventions<br/>– Escalated info requests<br/>– Debt validation<br/>– Cease and desist requests<br/>– Method of verification requests<br/>– Section 609 requests<br/>– CFPB investigations</td></tr><tr><th>Premium</th><th class="last-cell"></th></tr><tr><th class="header" scope="row">Pricing</th><td>$89.99 per month with $0 set up fee</td></tr><tr><th class="header" scope="row">Features</th><td>Everything in the Individual Plan, but for you and your spouse</td></tr></tbody></table></div> <h4 class="wp-block-heading">Does Credit Firm limit the number of monthly disputes?</h4> <p>Credit Firm is unlike some competitors in that it customizes your total disputes based on your needs. The company indicates it typically disputes 5-7 accounts for each credit bureau monthly, but it can dispute as many as you’d like. The fact that it offers as many disputes as you need sets it apart from other credit repair companies offering lower monthly limits. </p> <h4 class="wp-block-heading">Does Credit Firm offer discounts?</h4> <p>Credit Firm doesn’t offer a percentage-off discount for new customers, although it provides some cost savings for couples. Instead of paying a monthly fee of $49.99 each, couples pay one monthly fee of $89.99. That’s a total cost savings of around $10 per month.</p> <p>Learn more in our <a href="https://fortune.com/recommends/loans/credit-firm-review/" target="_self" class="sc-93594058-0 fowfrQ " aria-label="Go to https://fortune.com/recommends/loans/credit-firm-review/">full review of Credit Firm</a>.</p> <h2 class="wp-block-heading">Understanding your credit score</h2> <p>There are a number of factors that contribute to your overall credit score. Some of the main ones are:</p> <ul><li><strong>Payment history</strong>: late payments will ding your score</li> <li><strong>Amount of debt</strong>: it is recommended to keep your debt below 30% of your overall credit</li> <li><strong>Length of credit</strong>: the longer you have credit cards open, the better</li> <li><strong>Amount of new credit</strong>: the credit bureaus don’t like to see a lot of new credit inquiries within a short period of time</li> <li><strong>Credit mix</strong>: the credit bureaus prefer to see a mix of various types of credits such as credit cards, store cards, car loans, and mortgages.</li></ul> <h2 class="wp-block-heading" id="what-to-know"><strong>What to know about credit repair companies</strong> </h2> <p>There’s not one specific menu of services or pricing model for credit repair companies. Instead, you’ll find that each offers different features, and while many companies charge a monthly fee, this isn’t true in all cases. For this reason, it’s essential to compare companies to find the best credit repair service for your situation. </p> <p>Alternatively, you can also do most of what credit repair companies do independently. If you notice inaccuracies or incomplete information on your credit report, it’s possible to contact the three major credit bureaus or your creditors directly to resolve the issue. But for those with significant credit issues, working with a credit repair service could save you time and potential headaches. </p> <h2 class="wp-block-heading" id="how-to-choose"><strong>How to choose a credit repair company</strong></h2> <p>If a credit repair company sounds right for your situation, here’s what to compare as you research companies. </p> <ul><li><strong>Transparency</strong>: Reputable companies will be upfront and clear about their pricing and services offered. Seek out companies that provide detailed information on their websites, and steer clear of those that aren’t transparent about their offerings. </li> <li><strong>Services and features</strong>: As mentioned, different companies offer varying services, including free initial consultations, dispute letters, credit repair, credit education, and access to credit reports among other services. Find one with services that best suit your situation. </li> <li><strong>Pricing</strong>: Pricing models also vary, often depending on the level of service you require. Look into pricing to find a plan that meets your needs and budget. </li> <li><strong>Customer service</strong>: You’ll want to compare each credit repair company’s customer service channels to ensure you can reach a representative if needed.</li> <li><strong>Company reputation</strong>: Review company websites and history, and look at company profiles on sites like the Consumer Financial Protection Bureau’s compliant database, Trustpilot, the Better Business Bureau, and other consumer review sites. Doing so will provide some insight into whether a company is reputable and trustworthy. </li> <li><strong>Cancellation policy</strong>: Some credit repair services offer more flexible cancellation policies than others, and policy information is often available on company websites. Read over cancellation policies and look into any guarantees companies may offer. For instance, some provide a 90-day money-back guarantee if you don’t see inaccuracies removed from your credit reports. </li></ul> <h2 class="wp-block-heading" id="legal">Credit repair legal controversies</h2> <p>The credit repair industry, as a whole, has a checkered reputation. They are sometimes viewed as predatory because the services they provide can be done by any individual with credit report inaccuracies. Some consumers with complaints were validated when Lexington Law and Creditrepair.com entered into a $2.7 billion settlement agreement with CFPB in 2023. The CFPB accused the two companies of taking illegal advance fees from their clients through telemarketing, which violates federal law.</p> <p>When considering hiring a credit repair company to assist in disputing inaccuracies in your report, be sure that the company is being transparent and upfront with their fees, which should be displayed clearly on their website.</p> <h2 class="wp-block-heading" id="identity-theft"><strong>How identity theft can impact your credit</strong></h2> <p>Your identity, and the data that represents you, is what allows you to take out loans, credit cards, and set up other forms of accounts. When your identity is used by others to make purchases on your name, it can severely impact you financially. Your credit will also suffer if those charges are not addressed. Identity theft is one of the main drivers that unexpectedly impacts credit. Some credit repair companies, like The Credit Pros, have features in their plan to proactively monitor potential identity theft concerns.</p> <h2 class="wp-block-heading" id="methodology"><strong>Our methodology</strong> </h2> <p>To develop our list of the best credit repair companies, we researched and analyzed over a dozen companies in the market. In our analysis, we considered factors like transparency, pricing, services provided, and company reputation. We also weighed other things like overall customer experience, customer satisfaction, and whether companies had any recent regulatory action taken against them.</p> <figure class="wp-block-embed is-type-rich is-provider-datawrapper wp-block-embed-datawrapper"><div class="wp-block-embed__wrapper"><iframe class="" aria-label="pies-title" id="datawrapper-chart-tO7Ar" frameBorder="0" height="485" loading="lazy" scrolling="no" src="https://datawrapper.dwcdn.net/tO7Ar/1/" style="border:none" title="Best credit repair companies: Our methodology" width="100%"></iframe></div></figure> <p><strong>Average time to see results (53%)</strong> - When it comes to repairing credit, time is money. The sooner your credit score improves, the sooner you can get better rates on loans and credit cards.</p> <p><strong>Consumer Reviews (22%)</strong> - What actual consumers have to say about their experience with a credit repair agency was taken into account. We looked at a number of consumer review sites — like TrustPilot and Google Reviews — to compile the score. </p> <p><strong>Costs (15%)</strong> - Many credit repair companies have developed a poor reputation of charging high fees while delivering little-to-no results. We ranked them based on fees including monthly rates, setup fees, money back guarantees, and available discounts.</p> <p><strong>Ratings (10%)</strong> - We ranked each company based on how well they are rated by Better Business Bureau and other independent rating agencies.</p> <h2 class="wp-block-heading" id="faq">Frequently asked questions</h2> <details class="wp-block-details is-layout-flow wp-block-details-is-layout-flow"><summary><h3>What’s the best credit repair company?</h3></summary><p>The best credit repair company for you will depend on your needs and budget. Each company offers an array of different services and pricing models, so comparing options can help you find a company that suits your situation. Some top companies include Credit Saint, The Credit People, The Credit Pros, Sky Blue, and Lexington Law.</p></details> <details class="wp-block-details is-layout-flow wp-block-details-is-layout-flow"><summary><h3>How much does cost to repair credit?</h3></summary><p>The fees credit repair companies charge to help you fix inaccuracies in your credit report typically include an initial setup fee and a monthly fee. The range for setup fees are between $0 and $149; and the range for monthly are between $49 to $200 per month.</p></details> <details class="wp-block-details is-layout-flow wp-block-details-is-layout-flow"><summary><h3>What is the best possible credit score? </h3></summary><p>Older credit score models used to go as high as 900, but that’s not the case anymore. The highest possible credit score one can achieve is capped at 850, which only less than 2% of Americans have.</p></details> <details class="wp-block-details is-layout-flow wp-block-details-is-layout-flow"><summary><h3>Can you really pay someone to fix your credit?</h3></summary><p>Yes, it’s possible to pay a credit repair company to help dispute inaccurate or incomplete information on your credit reports. Getting this information removed could help improve your credit. That said, credit repair companies don’t guarantee they’ll fix your credit.</p></details> <details class="wp-block-details is-layout-flow wp-block-details-is-layout-flow"><summary><h3>What’s the fastest way to fix your credit? </h3></summary><p>Several actions could help you fix your credit, including contacting the credit bureaus to get inaccurate or incomplete information removed from your credit reports, <a href="https://fortune.com/recommends/loans/best-debt-relief-companies/" target="_self" class="sc-93594058-0 fowfrQ " aria-label="Go to https://fortune.com/recommends/loans/best-debt-relief-companies/">paying down credit card debt</a>, making on-time payments, increasing your credit limits, and limiting the number of new accounts you open.</p></details> <details class="wp-block-details is-layout-flow wp-block-details-is-layout-flow"><summary><h3>How long does it take to repair credit?</h3></summary><p>The three credit agencies — Equifax, Experian, and TransUnion — typically evaluate credit on a monthly basis. They monitor factors that include debt and late payments. Reducing debt presents the quickest path to improving your credit where you may see results in less than two months. Seeing results after removing inaccuracies will take about three to six months.</p></details> <details class="wp-block-details is-layout-flow wp-block-details-is-layout-flow"><summary><h3>What is a bad credit score?</h3></summary><p>Bad credit, or subprime credit, is typically anything below 580. The lower your credit score, the harder it will be to secure a lower interest-rate loan or credit card. A high credit score can help unlock the best available <a href="https://fortune.com/recommends/loans/best-personal-loans/" target="_self" class="sc-93594058-0 fowfrQ " aria-label="Go to https://fortune.com/recommends/loans/best-personal-loans/">loans</a>, <a href="https://fortune.com/recommends/credit-cards/best-credit-cards/" target="_self" class="sc-93594058-0 fowfrQ " aria-label="Go to https://fortune.com/recommends/credit-cards/best-credit-cards/">credit cards</a>, and other financial products.</p></details> <div class="wp-block-group pro-tip-box-widget"><div class="wp-block-group__inner-container is-layout-constrained wp-block-group-is-layout-constrained"> <h3 class="wp-block-heading pro-tip-box-heading">Read more</h3> <li>Make a budget and fix your finances by downloading one of the <a href="https://fortune.com/recommends/banking/best-budgeting-apps/" target="_self" class="sc-93594058-0 fowfrQ " aria-label="Go to https://fortune.com/recommends/banking/best-budgeting-apps/">best 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style="color:transparent;height:auto;object-fit:cover;width:100%;background-size:cover;background-position:50% 50%;background-repeat:no-repeat;background-image:url("data:image/svg+xml;charset=utf-8,%3Csvg xmlns='http://www.w3.org/2000/svg' %3E%3Cfilter id='b' color-interpolation-filters='sRGB'%3E%3CfeGaussianBlur stdDeviation='20'/%3E%3CfeColorMatrix values='1 0 0 0 0 0 1 0 0 0 0 0 1 0 0 0 0 0 100 -1' result='s'/%3E%3CfeFlood x='0' y='0' width='100%25' height='100%25'/%3E%3CfeComposite operator='out' in='s'/%3E%3CfeComposite in2='SourceGraphic'/%3E%3CfeGaussianBlur stdDeviation='20'/%3E%3C/filter%3E%3Cimage width='100%25' height='100%25' x='0' y='0' preserveAspectRatio='xMidYMid slice' style='filter: url(%23b);' href='data:image/png;base64,iVBORw0KGgoAAAANSUhEUgAAAAEAAAABCAYAAAAfFcSJAAAADUlEQVR42mO8fv1mPQAIHAMIsIR6agAAAABJRU5ErkJggg=='/%3E%3C/svg%3E")" sizes="100vw" srcSet="https://fortune.com/img-assets/wp-content/uploads/2023/11/Jessica-Ullrich-headshot.jpeg?w=320&q=75 320w, 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Before transitioning to full-time freelance writing, she was on the editorial team at Investopedia and The Balance. 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data-cy="article-card-date">November 14, 2024</span></div></div><div data-cy="article-card-wrapper" class="sc-c9c5992f-2 sc-c9c5992f-4 dOBzQA hCIDYx"><a href="https://fortune.com/recommends/loans/best-credit-repair-companies/?itm_source=parsely-api" target="_self" class="sc-93594058-0 sNmfm card-image styled-custom-link " data-cy="article-image-link"><img alt="The best credit repair companies—and what they do well" data-cy="article-card-image" loading="lazy" width="300" height="300" decoding="async" data-nimg="1" class="image-link" style="color:transparent;height:auto;object-fit:cover;width:100%;background-size:cover;background-position:50% 50%;background-repeat:no-repeat;background-image:url("data:image/svg+xml;charset=utf-8,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 300 300'%3E%3Cfilter id='b' color-interpolation-filters='sRGB'%3E%3CfeGaussianBlur stdDeviation='20'/%3E%3CfeColorMatrix values='1 0 0 0 0 0 1 0 0 0 0 0 1 0 0 0 0 0 100 -1' result='s'/%3E%3CfeFlood x='0' y='0' 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We may earn affiliate revenue from links in this content."},"progressBar":true,"templateType":"landing_page"},"mostPopular":[{"authors":[{"name":"Katherine Haan","uri":"/author/katherine-haan","__typename":"MostPopularAuthors","email":"","image":"","sameAs":"","type":"","url":"/author/katherine-haan/"}],"contentType":null,"date":"2024-03-29T15:05:15","dateFormatted":"March 29, 2024","dateGMT":"2024-03-29T15:05:15","dateGMTFormatted":"March 29, 2024","dateUpdated":"2024-11-14T07:32:50","dateUpdatedFormatted":"November 14, 2024","dateUpdatedGMT":"2024-11-14T12:32:50","dateUpdatedGMTFormatted":"November 14, 2024","excerpt":"The art of debt negotiation and relief is made easier when you've got a team on your side ready to do the heavy lifting. We've done the research on the five best debt relief companies with excellent reputations for helping ease the financial burden consumers face when times get tough.","eyebrowSectionLabel":"Loans","eyebrowSectionLink":"/section/loans","eyebrowTagLabel":"","eyebrowTagLink":"","image":{"altText":"","caption":"","mediaItemUrl":"https://fortune.com/img-assets/wp-content/uploads/2024/02/GettyImages-114301573-e1706909748693.jpg"},"title":"Beyond the debt mountain: 8 best debt relief companies helping rebuild futures","titleLink":"https://fortune.com/recommends/loans/best-debt-relief-companies/?itm_source=parsely-api"},{"authors":[{"name":"Ivana Pino","uri":"/author/ivana-pino","__typename":"MostPopularAuthors","email":"","image":"","sameAs":"","type":"","url":"/author/ivana-pino/"}],"contentType":null,"date":"2023-03-24T16:26:18","dateFormatted":"March 24, 2023","dateGMT":"2023-03-24T16:26:18","dateGMTFormatted":"March 24, 2023","dateUpdated":"2024-11-14T07:30:23","dateUpdatedFormatted":"November 14, 2024","dateUpdatedGMT":"2024-11-14T12:30:23","dateUpdatedGMTFormatted":"November 14, 2024","excerpt":"We compared the top buy now, pay later platforms on the market and weighed loan terms, APRs, late fees, credit limits, mobile app ratings, and more. ","eyebrowSectionLabel":"Loans","eyebrowSectionLink":"/section/loans","eyebrowTagLabel":"","eyebrowTagLink":"","image":{"altText":"","caption":"","mediaItemUrl":"https://content.fortune.com/wp-content/uploads/2023/03/recommends-buy-now-pay-later.jpg"},"title":"The 5 best buy-now, pay-later apps for April 2023","titleLink":"https://fortune.com/recommends/loans/best-buy-now-pay-later-apps/?itm_source=parsely-api"},{"authors":[{"name":"Jessica Ullrich","uri":"/author/jessica-ulrich","__typename":"MostPopularAuthors","email":"","image":"","sameAs":"","type":"","url":"/author/jessica-ulrich/"}],"contentType":null,"date":"2024-02-06T21:47:07","dateFormatted":"February 6, 2024","dateGMT":"2024-03-27T16:54:57","dateGMTFormatted":"March 27, 2024","dateUpdated":"2024-11-14T07:31:33","dateUpdatedFormatted":"November 14, 2024","dateUpdatedGMT":"2024-11-14T12:31:33","dateUpdatedGMTFormatted":"November 14, 2024","excerpt":"Repairing your credit can lead to getting you access to better interest rates that can ultimately save you money.","eyebrowSectionLabel":"Loans","eyebrowSectionLink":"/section/loans","eyebrowTagLabel":"","eyebrowTagLink":"","image":{"altText":"","caption":"","mediaItemUrl":"https://content.fortune.com/wp-content/uploads/2024/02/GettyImages-643153146-e1706902987191.jpg"},"title":"The best credit repair companies—and what they do well","titleLink":"https://fortune.com/recommends/loans/best-credit-repair-companies/?itm_source=parsely-api"}],"subdomain":"recommends","footer":{"footerDisclaimer":"\u003cp\u003e© 2024 Fortune Media IP Limited. All Rights Reserved. Use of this site constitutes acceptance of our \u003ca href=\"https://fortune.com/terms-of-use/\"\u003eTerms of Use\u003c/a\u003e and \u003ca href=\"https://fortune.com/privacy-policy/\"\u003ePrivacy Policy\u003c/a\u003e | \u003ca href=\"/california-privacy-policy/#notice\"\u003eCA Notice at Collection and Privacy Notice\u003c/a\u003e | \u003ca href=\"javascript:Optanon.ToggleInfoDisplay();\" target=\"_self\"\u003eDo Not Sell/Share My Personal Information\u003c/a\u003e\u003cbr /\u003e\nFORTUNE is a trademark of Fortune Media IP Limited, registered in the U.S. and other countries. FORTUNE may receive compensation for some links to products and services on this website. 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Inclusion","url":"https://fortune.com/workplace/diversity-inclusion"},{"__typename":"MenuItem","label":"Terms and Conditions","url":"/terms-of-use/"},{"__typename":"MenuItem","label":"Site Map","url":"/sitemap/"}],"name":"Footer About 1"}],"socialList":[{"type":"facebook","url":"https://www.facebook.com/FortuneMagazine/"},{"type":"twitter","url":"https://twitter.com/FortuneMagazine/"},{"type":"linkedin","url":"https://www.linkedin.com/company/fortune-magazine/"},{"type":"instagram","url":"https://www.instagram.com/fortunemag/"},{"type":"pinterest","url":"https://www.pinterest.com/fortunemagazine/"}]},"article":{"adTags":[{"adtagname":"cat_Credit Repair","description":null,"slug":"cat-credit-repair"},{"adtagname":"High Intent","description":null,"slug":"high-intent"},{"adtagname":"ptype_Roundup","description":null,"slug":"ptype-roundup"}],"audienceDek":"Credit repair companies can assist in removing inaccuracies in your reports. These are the best based on their reputation and time to see results.","authorNames":["Jessica Ullrich"],"authors":[{"email":"","image":"https://fortune.com/img-assets/wp-content/uploads/2023/11/Jessica-Ullrich-headshot.jpeg?w=150","name":"Jessica Ullrich","sameAs":"","type":"Person","uri":"/author/jessica-ulrich/","url":"https://fortune.com/author/jessica-ulrich/","role":"Personal Finance Expert","funFactHeader":"","funFactValue":"","social":{"instaUrl":"","linkedinUrl":"https://www.linkedin.com/in/jessicaullrich/","twitterUrl":"","__typename":"AuthorSocialUrlsFields"},"shortIntro":"\u003cp\u003e\u003cspan style=\"font-weight: 400\"\u003eJessica is a personal finance expert who’s been creating online content since 2009. Before transitioning to full-time freelance writing, she was on the editorial team at Investopedia and The Balance. Her writing has been published on Yahoo Finance, Forbes Advisor, Investopedia, Time, and Newsweek.\u003c/span\u003e\u003c/p\u003e\n","__typename":"Co-authors"}],"breadcrumbs":{"items":[{"label":"LOANS AND MORTGAGES","link":"https://fortune.com/recommends/loans-mortgages/"},{"label":"LOANS","link":"/recommends/loans/"},{"label":"5 BEST CREDIT REPAIR COMPANIES—AND WHAT THEY DO WELL","link":""}]},"bypassPaywall":{"postBypassLinkEnabled":"","postBypassLinkUnique":""},"canonicalUrl":null,"channel":"Loans","content":"\u003cp\u003eIf you’re struggling with significant credit score issues, working with a credit repair company could provide some much-needed relief. Credit repair companies can identify and remove inaccurate or incomplete information from your credit reports, with the goal of improving your credit history and score. Doing so can lead to getting you access to better interest rates that can ultimately save you money, especially on large purchases.\u003c/p\u003e\u003cdiv class=\"paywall-selector\"\u003e\u003c/div\u003e\u003cdiv class=\"paywall\"\u003e\n\n\n\n\u003cp\u003eTo help you find a reputable credit repair service, we’ve researched over a dozen companies, analyzing their services provided, pricing, transparency, time it takes to see results, and company reputation. \u003c/p\u003e\n\n\n\n\u003cp\u003eTheir fees are subject to change, but all figures on our list are current as of September 9, 2024. Here are our top picks for the best credit repair companies available.\u003c/p\u003e\n\n\n\n\u003cdetails class=\"wp-block-details why-trust-us-widget is-layout-flow wp-block-details-is-layout-flow\"\u003e\u003csummary\u003eWhy trust Fortune Recommends\u003c/summary\u003e\n\u003cp\u003eOur editors are committed to bringing you unbiased ratings and information. Our editorial content is not influenced by advertisers. We use data-driven methodologies to evaluate financial products and companies, so all are measured equally. Read more about our \u003ca href=\"https://fortune.com/fortune-recommends-editorial-guidelines/\"\u003eeditorial guidelines \u003c/a\u003efor the ratings below.\u003c/p\u003e\n\n\n\n\u003cul\u003e\n\u003cli\u003eOver a dozen agencies compared\u003c/li\u003e\n\n\n\n\u003cli\u003eMore than 120 data points collected\u003c/li\u003e\n\n\n\n\u003cli\u003e4 layers of fact-checking\u003c/li\u003e\n\u003c/ul\u003e\n\u003c/details\u003e\n\n\n\n\u003ch2 class=\"wp-block-heading\" id=\"best\"\u003e\u003cstrong\u003eThe 5 best credit repair companies of November 2024\u003c/strong\u003e\u003c/h2\u003e\n\n\n\n\u003cfigure class=\"wp-block-table optimized-table-widget\"\u003e\u003ctable\u003e\u003cthead\u003e\u003ctr\u003e\u003cth\u003eCredit repair company\u003c/th\u003e\u003cth\u003eMinimum Monthly Cost\u003c/th\u003e\u003cth\u003eSetup Fee\u003c/th\u003e\u003cth\u003eSee details\u003c/th\u003e\u003c/tr\u003e\u003c/thead\u003e\u003ctbody\u003e\u003ctr\u003e\u003ctd\u003e\u003cstrong\u003eBest overall: \u003c/strong\u003e\u003ca href=\"#bestoverall-creditsaint\" data-type=\"internal\" data-id=\"#bestoverall-creditsaint\"\u003eCredit Saint\u003c/a\u003e\u003c/td\u003e\u003ctd\u003e$79.99\u003c/td\u003e\u003ctd\u003e$99\u003c/td\u003e\u003ctd\u003e\u003ca href=\"https://www.creditsaint.com/enter/00e903869a98b935088abef62f0184fd?sub_id=3785728\" data-type=\"link\" data-id=\"https://fortune.com/recommends\" target=\"_blank\" rel=\"noreferrer noopener nofollow\"\u003eView offer\u003c/a\u003e\u003cbr\u003eat Credit Saint\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd\u003e\u003cstrong\u003eBest for couples: \u003c/strong\u003e\u003ca href=\"#skybluecredit\" data-type=\"internal\" data-id=\"#skybluecredit\"\u003eSky Blue\u0026nbsp;Credit\u003c/a\u003e\u003c/td\u003e\u003ctd\u003e$79\u003c/td\u003e\u003ctd\u003e$79\u003c/td\u003e\u003ctd\u003e\u003ca href=\"https://secure.money.com/pr/o684d060e488?s1=3785728\" data-type=\"link\" data-id=\"https://fortune.com/recommends\" target=\"_blank\" rel=\"noreferrer noopener nofollow\"\u003eView offer\u003c/a\u003e\u003cbr\u003eat Sky Blue Credit\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd\u003e\u003cstrong\u003eBest for low initial work fees:\u003c/strong\u003e \u003ca href=\"#thecreditpeople\" data-type=\"internal\" data-id=\"#thecreditpeople\"\u003eThe Credit People\u003c/a\u003e\u003c/td\u003e\u003ctd\u003e$99\u003c/td\u003e\u003ctd\u003e$19\u003c/td\u003e\u003ctd\u003e\u003ca href=\"https://secure.money.com/pr/u6160ff3d6f7?s1=3785728\" data-type=\"link\" data-id=\"https://fortune.com/recommends\" target=\"_blank\" rel=\"noreferrer noopener nofollow\"\u003eView offer\u003c/a\u003e\u003cbr\u003eat The Credit People\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd\u003e\u003cstrong\u003eBest for additional features:\u003c/strong\u003e \u003ca href=\"#bestforadditionalfeaturesthecreditpros\" data-type=\"internal\" data-id=\"#bestforadditionalfeaturesthecreditpros\"\u003eThe Credit Pros\u003c/a\u003e\u003c/td\u003e\u003ctd\u003e$69.99\u003c/td\u003e\u003ctd\u003e$119, $129, or $149\u003c/td\u003e\u003ctd\u003e\u003ca href=\"https://secure.money.com/pr/r76675fd5947?s1=3785728\" target=\"_blank\" rel=\"noreferrer noopener nofollow\"\u003eView offer\u003c/a\u003e\u003cbr\u003eat The Credit Pros\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd\u003e\u003cstrong\u003eMost affordable:\u003c/strong\u003e \u003ca href=\"#most-affordable-credit-firm\" data-type=\"internal\" data-id=\"#most-affordable-credit-firm\"\u003eCredit Firm\u003c/a\u003e\u003c/td\u003e\u003ctd\u003e$49.99\u003c/td\u003e\u003ctd\u003e$0\u003c/td\u003e\u003ctd\u003e\u003ca href=\"https://secure.money.com/pr/u757688c05d6?s1=3785728\" data-type=\"link\" data-id=\"https://fortune.com/recommends\" target=\"_blank\" rel=\"noreferrer noopener nofollow\"\u003eView offer\u003c/a\u003e\u003cbr\u003eat Credit Firm\u003c/td\u003e\u003c/tr\u003e\u003c/tbody\u003e\u003c/table\u003e\u003c/figure\u003e\n\n\n\n\u003ch2 class=\"wp-block-heading\" id=\"bestoverall-creditsaint\"\u003eBest overall: Credit Saint\u0026nbsp;\u003c/h2\u003e\n\n\n\n\u003cp\u003eCredit Saint is a long-standing credit repair service that has been helping customers with their credit since 2007. It offers all the services you’d expect from a credit repair company, including a free initial consultation, dispute letters to the credit bureaus, and creditor-specific intervention letters, inquiry tracking, and credit education for customers.\u003c/p\u003e\n\n\n\u003cdiv class=\"product-card-inline-wrapper\"\u003e\r\n\u003cdiv class=\"card-area-1\"\u003e\r\n\u003ch3 id=\"credit-saint\" class=\"card-title\"\u003e\u003ca href=\"https://www.creditsaint.com/enter/00e903869a98b935088abef62f0184fd?sub_id=3785728\" rel=\"nofollow noopener noreferrer\"\u003eCredit Saint\u003c/a\u003e\u003c/h3\u003e\r\n\u003csection class=\"card-description\"\u003e\r\n\u003ctable\u003e\r\n\u003ctbody\u003e\r\n\u003ctr\u003e\r\n\u003ctd\u003eMinimum Monthly Cost\u003c/td\u003e\r\n\u003ctd\u003e$79.99\u003c/td\u003e\r\n\u003c/tr\u003e\r\n\u003ctr\u003e\r\n\u003ctd\u003eSetup Fee\u003c/td\u003e\r\n\u003ctd\u003e$99\u003c/td\u003e\r\n\u003c/tr\u003e\r\n\u003ctr\u003e\r\n\u003ctd\u003eMoney Back Guarantee\u003c/td\u003e\r\n\u003ctd\u003eYes, after 90 days\u003c/td\u003e\r\n\u003c/tr\u003e\r\n\u003c/tbody\u003e\r\n\u003c/table\u003e\r\n\u003c/section\u003e\r\n\u003c/div\u003e\r\n\u003cdiv class=\"card-image card-area-2\"\u003e\u003cimg decoding=\"async\" class=\"alignnone wp-image-3781284 size-medium\" src=\"https://fortune.com/img-assets/wp-content/uploads/2024/05/Recommends_Credit-Saint-Logo.png\" /\u003e\u003c/div\u003e\r\n\u003cdiv class=\"card-area-3\"\u003e\u003ca class=\"button-desktop\" href=\"https://www.creditsaint.com/enter/00e903869a98b935088abef62f0184fd?sub_id=3785728\" target=\"_blank\" rel=\"noopener noreferrer nofollow\"\u003eView offer\u003c/a\u003e\r\n\u003cp class=\"cta-caption\"\u003eat Credit Saint\u003c/p\u003e\r\n\u003c/div\u003e\r\n\u003cdiv class=\"card-area-4\"\u003e\r\n\u003csection class=\"card-accordion two-pannels\" role=\"tablist\"\u003e\u003c!-- pannel 1 --\u003e \u003cinput id=\"control0-[ID]\" role=\"tab\" checked=\"checked\" name=\"accordion-pannel-[ID]\" type=\"radio\" aria-controls=\"content1-[ID]\" /\u003e \u003clabel id=\"label1-[ID]\" tabindex=\"0\" role=\"button\" for=\"control0-[ID]\"\u003eAvailable Plans\u003c/label\u003e\r\n\u003cdiv id=\"content0-[ID]\" class=\"card-accordion-panel\" role=\"tabpanel\" aria-labelledby=\"label0-[ID]\"\u003e\r\n\u003cli\u003e\u003cstrong\u003eCredit Polish:\u003c/strong\u003e $79.99 per month, plus $99 initial work fee.\u003c/li\u003e\r\n\u003cli\u003e\u003cstrong\u003eCredit Remodel:\u003c/strong\u003e $109.99 per month, plus $99 initial work fee.\u003c/li\u003e\r\n\u003cli\u003e\u003cstrong\u003eClean Slate:\u003c/strong\u003e $139.99 per month, plus $195 initial work fee.\u003c/li\u003e\r\n\u003c/div\u003e\r\n\u003c!-- pannel 2 --\u003e \u003cinput id=\"control1-[ID]\" role=\"tab\" name=\"accordion-pannel-[ID]\" type=\"radio\" aria-controls=\"content1-[ID]\" /\u003e \u003clabel id=\"label1-[ID]\" tabindex=\"0\" role=\"button\" for=\"control1-[ID]\"\u003eCustomer Service\u003c/label\u003e\r\n\u003cdiv id=\"content1-[ID]\" class=\"card-accordion-panel\" role=\"tabpanel\" aria-labelledby=\"label1-[ID]\"\u003e\r\nNeed to reach Credit Saint? You can call the New Jersey-based company any day of the week during its hours of operations (all in Eastern Time): Monday through Friday between 9:00am and 10:00pm, Saturdays between 10:00am and 8:00pm, or Sundays between 12:00pm and 8:00pm. Existing customers have the option of reaching Credit Saint through the company’s online chat, which is available on weekdays between 9:00am and 7:00pm.\r\n\u003c/div\u003e\r\n\u003ca class=\"button-mobile\" href=\"https://www.creditsaint.com/enter/00e903869a98b935088abef62f0184fd?sub_id=3785728\" target=\"_blank\" rel=\"noopener noreferrer nofollow\"\u003eView offer\u003c/a\u003e\r\n\u003cp class=\"cta-caption\"\u003eat Credit Saint\u003c/p\u003e\r\n\u003c/section\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\n\n\n\u003ch4 class=\"wp-block-heading\"\u003e\u003cstrong\u003eWhy we like Credit Saint as best overall credit repair\u003c/strong\u003e\u0026nbsp;\u003c/h4\u003e\n\n\n\n\u003cp\u003eCredit Saint is a solid choice for those seeking credit repair assistance, and its tiered services make it suitable for many situations. Its customer service team is also accessible through many channels if you have questions or concerns. While Credit Saint isn’t the lowest-price service around, its industry reputation, array of features, and 90-day money-back guarantee make it worth considering.\u0026nbsp;\u0026nbsp;\u003c/p\u003e\n\n\n\n\u003cp\u003eUnlike many competitors, Credit Saint has a decent reputation with its customers and very few complaints with the Consumer Financial Protection Bureau (CFPB). Trustpilot reviewers give it an average of 4.26 out of 5 stars across nearly 500 reviews.\u0026nbsp;\u003c/p\u003e\n\n\n\n\u003cp\u003eSatisfied customers praise the company’s team, mentioning how patient, helpful, and informative it was during the credit repair process. While the company’s reviews are positive overall, some dissatisfied customers complain about a lack of results. The company also does not promote any specific focus on identity theft support.\u003c/p\u003e\n\n\n\n\u003ch4 class=\"wp-block-heading\"\u003eCredit Saint’s pros and cons\u003c/h4\u003e\n\n\n\u003cp\u003e\u003cstyle\u003eN/A\u003c/style\u003e\n\u003c/p\u003e\n\u003cdiv class=\"pros_cons\"\u003e\n\u003cdiv\u003e\n\u003ch3\u003ePros\u003c/h3\u003e\n\u003cul\u003e\n\u003cli style=\"font-weight: 400;\" aria-level=\"1\"\u003e\u003cspan style=\"font-weight: 400;\"\u003ePositive reputation in the industry and among most customers\u003c/span\u003e\u003c/li\u003e\n\u003cli style=\"font-weight: 400;\" aria-level=\"1\"\u003e\u003cspan style=\"font-weight: 400;\"\u003e90-day money-back guarantee\u003c/span\u003e\u003c/li\u003e\n\u003cli style=\"font-weight: 400;\" aria-level=\"1\"\u003e\u003cspan style=\"font-weight: 400;\"\u003eUnlimited dispute letters with Clean Slate plan\u003c/span\u003e\u003c/li\u003e\n\u003c/ul\u003e\n\u003c/div\u003e\n\u003cdiv\u003e\n\u003ch3\u003eCons\u003c/h3\u003e\n\u003cul\u003e\n\u003cli style=\"font-weight: 400;\" aria-level=\"1\"\u003e\u003cspan style=\"font-weight: 400;\"\u003eSome negative reviews from past customers\u003c/span\u003e\u003c/li\u003e\n\u003cli style=\"font-weight: 400;\" aria-level=\"1\"\u003e\u003cspan style=\"font-weight: 400;\"\u003eNot the cheapest credit repair service available\u003c/span\u003e\u003c/li\u003e\n\u003cli style=\"font-weight: 400;\" aria-level=\"1\"\u003e\u003cspan style=\"font-weight: 400;\"\u003eLimited disputes with less expensive plans\u003c/span\u003e\u003c/li\u003e\n\u003c/ul\u003e\n\u003c/div\u003e\n\u003c/div\u003e\n\n\n\u003ch4 class=\"wp-block-heading\"\u003e\u003cstrong\u003eCredit Saint’s plans breakdown\u003c/strong\u003e\u003c/h4\u003e\n\n\n\n\u003cp\u003eCredit Saint offers the packages to help repair your credit. The right package will depend on the number of challenges you may need since only one option offers unlimited challenges to the three credit bureaus. Here’s a breakdown:\u003c/p\u003e\n\n\n\n\u003cfigure class=\"wp-block-table optimized-table-widget\"\u003e\u003ctable\u003e\u003cthead\u003e\u003ctr\u003e\u003cth\u003ePlans\u003c/th\u003e\u003cth\u003ePricing\u003c/th\u003e\u003cth\u003eFeatures\u003c/th\u003e\u003c/tr\u003e\u003c/thead\u003e\u003ctbody\u003e\u003ctr\u003e\u003ctd\u003eCredit Polish\u003c/td\u003e\u003ctd\u003e$79.99 per month, plus $99 initial work fee\u003c/td\u003e\u003ctd\u003e\u0026nbsp;\u0026#8211; Unspecified number of monthly challenges to the three credit bureaus (Equifax, Experian, and TransUnion)\u003cbr\u003e\u0026#8211; Credit score analysis and tracking; free access to educational credit content and online chat\u003cbr\u003e\u0026#8211; 90-day money-back guarantee\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd\u003eCredit Remodel\u003c/td\u003e\u003ctd\u003e$109.99 per month, plus $99 initial work fee\u003c/td\u003e\u003ctd\u003eAll services of Credit Polish, plus:\u0026nbsp;\u003cbr\u003e\u0026#8211; Inquiry targeting\u003cbr\u003e\u0026#8211; Access to one credit report and score\u003cbr\u003e\u0026#8211; A guide to building credit\u003cbr\u003e\u0026#8211; Real-time account syncing\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd\u003eClean Slate\u003c/td\u003e\u003ctd\u003e$139.99 per month, plus $195 initial work fee\u003c/td\u003e\u003ctd\u003eAll services of Credit Remodel, plus:\u0026nbsp;\u003cbr\u003e\u0026#8211; Unlimited number of monthly challenges to the three credit bureaus\u003cbr\u003e\u0026#8211; Creditor interventions\u003cbr\u003e\u0026#8211; Access to all three credit reports and scores\u003c/td\u003e\u003c/tr\u003e\u003c/tbody\u003e\u003c/table\u003e\u003c/figure\u003e\n\n\n\n\u003ch4 class=\"wp-block-heading\"\u003eDoes Credit Saint limit the number of monthly disputes?\u003c/h4\u003e\n\n\n\n\u003cp\u003eCredit Saint offers unlimited challenges to the credit bureaus with its Clean Slate plan, which costs $139.99 per month, plus a $195 initial work fee. More challenges can mean more opportunities to dispute negative credit report items and a faster process overall. The company indicates it offers challenges to the three credit bureaus with its less expensive plans, but it doesn’t disclose its monthly limits.\u0026nbsp;\u003c/p\u003e\n\n\n\n\u003ch4 class=\"wp-block-heading\"\u003eDoes Credit Saint offer discounts?\u003c/h4\u003e\n\n\n\n\u003cp\u003eSome previous customers report that Credit Saint offered $15 off its first working fee in the past, although there’s no information about this discount on the company’s site. But Credit Saint gives any family member added to your plan a free first working fee for one month.\u003c/p\u003e\n\n\n\n\u003cp\u003eLearn more in our \u003ca href=\"https://fortune.com/recommends/loans/credit-saint-review/\"\u003efull Credit Saint review\u003c/a\u003e.\u003c/p\u003e\n\n\n\n\u003ch2 class=\"wp-block-heading\" id=\"skybluecredit\"\u003eBest for couples: Sky Blue Credit\u003c/h2\u003e\n\n\n\n\u003cp\u003eSky Blue Credit has been helping its clients rebuild their credit since 1989. It specializes in offering credit help to couples at a discounted rate, whether they want to improve their credit before getting a mortgage or for another purpose.\u0026nbsp; Users can benefit from Sky Blue’s array of credit repair services, and the company offers a transparent process that’s clearly outlined on its website, so you’ll understand how the company is working on your behalf.\u003c/p\u003e\n\n\n\u003cdiv class=\"product-card-inline-wrapper\"\u003e\r\n\u003cdiv class=\"card-area-1\"\u003e\r\n\u003ch3 id=\"sky-blue-credit\" class=\"card-title\"\u003e\u003ca href=\"https://secure.money.com/pr/o684d060e488?s1=3785728\" rel=\"nofollow noopener noreferrer\"\u003eSky Blue Credit\u003c/a\u003e\u003c/h3\u003e\r\n\u003csection class=\"card-description\"\u003e\r\n\u003ctable\u003e\r\n\u003ctbody\u003e\r\n\u003ctr\u003e\r\n\u003ctd\u003eMinimum Monthly Cost\u003c/td\u003e\r\n\u003ctd\u003e$79\u003c/td\u003e\r\n\u003c/tr\u003e\r\n\u003ctr\u003e\r\n\u003ctd\u003eSetup Fee\u003c/td\u003e\r\n\u003ctd\u003e$79\u003c/td\u003e\r\n\u003c/tr\u003e\r\n\u003ctr\u003e\r\n\u003ctd\u003eMoney Back Guarantee\u003c/td\u003e\r\n\u003ctd\u003eYes, 90 days\u003c/td\u003e\r\n\u003c/tr\u003e\r\n\u003c/tbody\u003e\r\n\u003c/table\u003e\r\n\u003c/section\u003e\u003c/div\u003e\r\n\u003cdiv class=\"card-image card-area-2\"\u003e\u003cimg decoding=\"async\" class=\"alignnone wp-image-3781284 size-medium\" src=\"https://fortune.com/img-assets/wp-content/uploads/2024/05/Recommends_Sky-Blue-Credit-logo.png\" /\u003e\u003c/div\u003e\r\n\u003cdiv class=\"card-area-3\"\u003e\r\n\r\n\u003ca class=\"button-desktop\" href=\"https://secure.money.com/pr/o684d060e488?s1=3785728\" target=\"_blank\" rel=\"noopener nofollow\"\u003eView offer\u003c/a\u003e\r\n\u003cp class=\"cta-caption\"\u003eat Sky Blue Credit\u003c/p\u003e\r\n\r\n\u003c/div\u003e\r\n\u003cdiv class=\"card-area-4\"\u003e\u003csection class=\"card-accordion two-pannels\" role=\"tablist\"\u003e\r\n\u003c!-- pannel 1 --\u003e\r\n\u003cinput id=\"control0-[ID]\" role=\"tab\" checked=\"checked\"name=\"accordion-pannel-[ID]\" type=\"radio\" aria-controls=\"content0-[ID]\" /\u003e\r\n\u003clabel id=\"label0-[ID]\" tabindex=\"0\" role=\"button\" for=\"control0-[ID]\"\u003eAvailable Plans\u003c/label\u003e\r\n\u003cdiv id=\"content0-[ID]\" class=\"card-accordion-panel\" role=\"tabpanel\" aria-labelledby=\"label0-[ID]\"\u003e\r\n \t\u003cli\u003e\u003cstrong\u003eBasic:\u003c/strong\u003e $79 per month for individuals, $119 per month for couples.\u003c/li\u003e\r\n \t\u003cli\u003e\u003cstrong\u003eFull:\u003c/strong\u003e $99 per month for individuals, $149 per month for couples.\u003c/li\u003e\r\n\u003c/div\u003e\r\n\u003c!-- pannel 2 --\u003e \u003cinput id=\"control1-[ID]\" role=\"tab\" name=\"accordion-pannel-[ID]\" type=\"radio\" aria-controls=\"content1-[ID]\" /\u003e \u003clabel id=\"label1-[ID]\" tabindex=\"0\" role=\"button\" for=\"control1-[ID]\"\u003eCustomer Service\u003c/label\u003e\r\n\u003cdiv id=\"content1-[ID]\" class=\"card-accordion-panel\" role=\"tabpanel\" aria-labelledby=\"label1-[ID]\"\u003e\r\nNeed to reach Sky Blue Credit? The Florida-based company is available over the phone on weekdays between 9:00am and 5:00pm EST. Existing customers can log in to the credit repair company’s platform to send secure messages.\r\n\u003c/div\u003e\r\n\u003ca class=\"button-mobile\" href=\"https://secure.money.com/pr/o684d060e488?s1=3785728\" target=\"_blank\" rel=\"noopener nofollow\"\u003eView offer\u003c/a\u003e\r\n\u003cp class=\"cta-caption\"\u003eat Sky Blue Credit\u003c/p\u003e\r\n\r\n\u003c/section\u003e\u003c/div\u003e\r\n\u003c/div\u003e\n\n\n\u003ch4 class=\"wp-block-heading\"\u003e\u003cstrong\u003eWhy we like Sky Blue as best credit repair for couples\u003c/strong\u003e\u0026nbsp;\u003c/h4\u003e\n\n\n\n\u003cp\u003eSky Blue Credit is our top pick for those looking to repair their credit. The company has an A+ Better Business Bureau (BBB) rating, and it offers affordable pricing, a $0 set-up fee, and a 90-day money-back guarantee. According to Sky Blue Credit, the average time it takes to see results in our reports is 45 days. Additionally, Sky Blue Credit offers a special discount for couples. This makes it a great option if you want to work as a team to better your financial situation in general or in advance of a home purchase.\u0026nbsp;\u003c/p\u003e\n\n\n\n\u003cp\u003eWhile Sky Blue Credit has many pros, feedback from past customers is fairly limited and existing reviews are mixed. The company has two consumer reviews on Trustpilot, with a 2.9 out of 5 star rating. But it’s important to note that its Trustpilot reviews don’t look legitimate. It fares slightly better with BBB reviewers, with an average of 3.67 out of 5 stars. Reviews on BBB seem authentic, with some past customers praising the company’s customer service team and positive results. That said, a few reviewers mentioned that they didn’t see their credit improve after working with Sky Blue.\u003c/p\u003e\n\n\n\n\u003cp\u003eSky Blue Credit has two recent CFPB complaints, one of which was resolved in a timely manner. The other remains unresolved, but the complaint itself states that the company didn’t help repair their credit. It’s worth noting that credit repair companies don’t guarantee they can fix your credit.\u003c/p\u003e\n\n\n\n\u003cp\u003eAdditionally, Sky Blue Credit does not highlight identity theft support or tools on its website.\u003c/p\u003e\n\n\n\n\u003ch4 class=\"wp-block-heading\"\u003eSky Blue Credit\u0026#8217;s pros and cons\u003c/h4\u003e\n\n\n\u003cp\u003e\u003cstyle\u003eN/A\u003c/style\u003e\n\u003c/p\u003e\n\u003cdiv class=\"pros_cons\"\u003e\n\u003cdiv\u003e\n\u003ch3\u003ePros\u003c/h3\u003e\n\u003cul\u003e\n\u003cli style=\"font-weight: 400;\" aria-level=\"1\"\u003e\u003cspan style=\"font-weight: 400;\"\u003e90-day money-back guarantee \u003c/span\u003e\u003c/li\u003e\n\u003cli style=\"font-weight: 400;\" aria-level=\"1\"\u003e\u003cspan style=\"font-weight: 400;\"\u003eCan cancel or pause your service anytime\u003c/span\u003e\u003c/li\u003e\n\u003cli style=\"font-weight: 400;\" aria-level=\"1\"\u003e\u003cspan style=\"font-weight: 400;\"\u003eMore affordable than some competitors\u003c/span\u003e\u003c/li\u003e\n\u003c/ul\u003e\n\u003c/div\u003e\n\u003cdiv\u003e\n\u003ch3\u003eCons\u003c/h3\u003e\n\u003cul\u003e\n\u003cli style=\"font-weight: 400;\" aria-level=\"1\"\u003e\u003cspan style=\"font-weight: 400;\"\u003eSome negative reviews from past customers\u003c/span\u003e\u003c/li\u003e\n\u003cli style=\"font-weight: 400;\" aria-level=\"1\"\u003e\u003cspan style=\"font-weight: 400;\"\u003eDoesn’t specify how many disputes it offers with its plans \u003c/span\u003e\u003c/li\u003e\n\u003cli style=\"font-weight: 400;\" aria-level=\"1\"\u003e\u003cspan style=\"font-weight: 400;\"\u003eNo credit builder tool with basic service\u003c/span\u003e\u003c/li\u003e\n\u003c/ul\u003e\n\u003c/div\u003e\n\u003c/div\u003e\n\n\n\u003ch4 class=\"wp-block-heading\"\u003e\u003cstrong\u003eSky Blue’s plans breakdown\u003c/strong\u003e\u003c/h4\u003e\n\n\n\n\u003cp\u003eSky Blue Credit offers two plan types, both with the option to sign up as an individual or couple.\u003c/p\u003e\n\n\n\n\u003cfigure class=\"wp-block-table optimized-table-widget\"\u003e\u003ctable\u003e\u003cthead\u003e\u003ctr\u003e\u003cth\u003ePlans\u003c/th\u003e\u003cth\u003ePricing\u003c/th\u003e\u003cth\u003eFeatures\u003c/th\u003e\u003c/tr\u003e\u003c/thead\u003e\u003ctbody\u003e\u003ctr\u003e\u003ctd\u003eBasic\u003c/td\u003e\u003ctd\u003e$79 per month for individuals, $119 per month for couples\u003c/td\u003e\u003ctd\u003e\u0026#8211; Three-bureau reports and scores\u003cbr\u003e\u0026#8211; Unspecified number of credit bureaus disputes\u003cbr\u003e\u0026#8211; One-on-one consultations\u003cbr\u003e\u0026#8211; Score tracker\u003cbr\u003e\u0026#8211; 24/7 access to client portal\u003cbr\u003e\u0026#8211; 60 day credit updates\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd\u003eFull\u003c/td\u003e\u003ctd\u003e$99 per month for individuals, $149 per month for couples\u003c/td\u003e\u003ctd\u003eEverything in basic, plus:\u003cbr\u003e\u0026#8211; Creditor interventions\u003cbr\u003e\u0026#8211; Inquiry disputes\u003cbr\u003e\u0026#8211; Debt validation letters\u003cbr\u003e\u0026#8211; Cease and desist letters\u003cbr\u003e\u0026#8211; Personal information correction letters\u003cbr\u003e\u0026#8211; 45 day credit updates\u003cbr\u003e\u0026#8211; Credit builder tool\u003c/td\u003e\u003c/tr\u003e\u003c/tbody\u003e\u003c/table\u003e\u003c/figure\u003e\n\n\n\n\u003ch4 class=\"wp-block-heading\"\u003eDoes Sky Blue Credit limit the number of monthly disputes?\u003c/h4\u003e\n\n\n\n\u003cp\u003eSky Blue Credit provides credit bureau disputes with both of its plans, but it doesn’t disclose how many monthly disputes it offers. In the past, it seems this company has limited disputes to 15 a month—five for each of the major credit bureaus. But it doesn’t specify a limit any longer.\u003c/p\u003e\n\n\n\n\u003ch4 class=\"wp-block-heading\"\u003eDoes Sky Blue Credit offer discounts?\u003c/h4\u003e\n\n\n\n\u003cp\u003eSky Blue doesn’t offer a discount, per se, though it does provide special savings for couples seeking help with credit repair. If you opt for a basic plan, you can add your partner to the service for $40 per month for a total of $119 monthly. That cost increases to $50 per month with its full-service plans, bringing the total cost to $149 monthly.\u003c/p\u003e\n\n\n\n\u003cp\u003eLearn more in our full \u003ca href=\"https://fortune.com/recommends/loans/sky-blue-credit-review/\"\u003eSky Blue Credit review\u003c/a\u003e.\u003c/p\u003e\n\n\n\n\u003cdiv class=\"wp-block-group pro-tip-box-widget\"\u003e\u003cdiv class=\"wp-block-group__inner-container is-layout-constrained wp-block-group-is-layout-constrained\"\u003e\n\u003ch3 class=\"wp-block-heading pro-tip-box-heading\"\u003eDig deeper:\u003c/h3\u003e\n\n\n\n\u003cp\u003e\u003ca href=\"https://fortune.com/recommends/credit-cards/is-bad-credit-worse-than-no-credit/\"\u003eBad credit vs. no credit: Which is worse?\u003c/a\u003e\u003cbr\u003e\u003ca href=\"https://fortune.com/recommends/credit-cards/how-to-check-your-credit-score/\"\u003e5 easy options for checking your credit score\u003c/a\u003e\u003cbr\u003e\u003ca href=\"https://fortune.com/recommends/credit-cards/what-is-a-good-credit-score/\"\u003eWhat’s a good credit score? It depends on the lender and credit-scoring model\u003c/a\u003e\u003c/p\u003e\n\u003c/div\u003e\u003c/div\u003e\n\n\n\n\u003ch2 class=\"wp-block-heading\" id=\"thecreditpeople\"\u003eBest for low initial work fees: The Credit People\u0026nbsp;\u003c/h2\u003e\n\n\n\n\u003cp\u003eThe Credit People has been in business since 2001, and it has helped over 100,000 customers struggling with their credit. New customers get a free credit consultation to discuss their specific situation with a company representative. Its services also include unlimited disputes, credit score tracking, monthly credit scores and reports, and higher-level interventions and disputes for premium account holders.\u003c/p\u003e\n\n\n\u003cdiv class=\"product-card-inline-wrapper\"\u003e\r\n\u003cdiv class=\"card-area-1\"\u003e\r\n\u003ch3 id=\"the-credit-people\" class=\"card-title\"\u003e\u003ca href=\"https://secure.money.com/pr/u6160ff3d6f7?s1=3785728\" rel=\"nofollow noopener noreferrer\"\u003eThe Credit People\u003c/a\u003e\u003c/h3\u003e\r\n\u003csection class=\"card-description\"\u003e\r\n\u003ctable\u003e\r\n\u003ctbody\u003e\r\n\u003ctr\u003e\r\n\u003ctd\u003eMinimum Monthly Cost\u003c/td\u003e\r\n\u003ctd\u003e$99\u003c/td\u003e\r\n\u003c/tr\u003e\r\n\u003ctr\u003e\r\n\u003ctd\u003eSetup Fee\u003c/td\u003e\r\n\u003ctd\u003e$19\u003c/td\u003e\r\n\u003c/tr\u003e\r\n\u003ctr\u003e\r\n\u003ctd\u003eMoney Back Guarantee\u003c/td\u003e\r\n\u003ctd\u003eYes, 6 months\u003c/td\u003e\r\n\u003c/tr\u003e\r\n\u003c/tbody\u003e\r\n\u003c/table\u003e\r\n\u003c/section\u003e\u003c/div\u003e\r\n\u003cdiv class=\"card-image card-area-2\"\u003e\u003cimg decoding=\"async\" class=\"alignnone wp-image-3781284 size-medium\" src=\"https://fortune.com/img-assets/wp-content/uploads/2024/05/Recommends_The-Credit-People-Logo.png\" /\u003e\u003c/div\u003e\r\n\u003cdiv class=\"card-area-3\"\u003e\r\n\r\n\u003ca class=\"button-desktop\" href=\"https://secure.money.com/pr/u6160ff3d6f7?s1=3785728\" target=\"_blank\" rel=\"noopener nofollow\"\u003eView offer\u003c/a\u003e\r\n\u003cp class=\"cta-caption\"\u003eat The Credit People\u003c/p\u003e\r\n\r\n\u003c/div\u003e\r\n\u003cdiv class=\"card-area-4\"\u003e\u003csection class=\"card-accordion two-pannels\" role=\"tablist\"\u003e\r\n\u003c!-- pannel 1 --\u003e \u003cinput id=\"control0-[ID]\" role=\"tab\" checked=\"checked\"name=\"accordion-pannel-[ID]\" type=\"radio\" aria-controls=\"content0-[ID]\" /\u003e \u003clabel id=\"label0-[ID]\" tabindex=\"0\" role=\"button\" for=\"control0-[ID]\"\u003eAvailable Plans\u003c/label\u003e\r\n\u003cdiv id=\"content0-[ID]\" class=\"card-accordion-panel\" role=\"tabpanel\" aria-labelledby=\"label0-[ID]\"\u003e\r\n \t\u003cli\u003e\u003cstrong\u003eStandard:\u003c/strong\u003e $99 per month, plus a $19 initial work fee.\u003c/li\u003e\r\n \t\u003cli\u003e\u003cstrong\u003ePremium:\u003c/strong\u003e $119 per month, plus a $19 initial work fee.\u003c/li\u003e\r\n \t\u003cli\u003e\u003cstrong\u003eFlat rate:\u003c/strong\u003e $599 for six months, plus a $19 initial work fee.\u003c/li\u003e\r\n\u003c/div\u003e\r\n\u003c!-- pannel 2 --\u003e \u003cinput id=\"control1-[ID]\" role=\"tab\" name=\"accordion-pannel-[ID]\" type=\"radio\" aria-controls=\"content1-[ID]\" /\u003e \u003clabel id=\"label1-[ID]\" tabindex=\"0\" role=\"button\" for=\"control1-[ID]\"\u003eCustomer Service\u003c/label\u003e\r\n\u003cdiv id=\"content1-[ID]\" class=\"card-accordion-panel\" role=\"tabpanel\" aria-labelledby=\"label1-[ID]\"\u003e\r\nNeed to reach The Credit People? The company—with offices in Chicago, Florida, and Utah—is available over the phone, fax, or email. The Credit People’s hours of operations are not made available on its website.\r\n\u003c/div\u003e\r\n\u003ca class=\"button-mobile\" href=\"https://secure.money.com/pr/u6160ff3d6f7?s1=3785728\" target=\"_blank\" rel=\"noopener nofollow\"\u003eView offer\u003c/a\u003e\r\n\u003cp class=\"cta-caption\"\u003eat The Credit People\u003c/p\u003e\r\n\r\n\u003c/section\u003e\u003c/div\u003e\r\n\u003c/div\u003e\n\n\n\u003ch4 class=\"wp-block-heading\"\u003e\u003cstrong\u003eWhy we like The Credit People\u003c/strong\u003e\u0026nbsp;\u003c/h4\u003e\n\n\n\n\u003cp\u003eThe Credit People is worth considering if you need moderate assistance with your credit without all the bells and whistles of a service, such as Credit Saint.\u0026nbsp;\u003c/p\u003e\n\n\n\n\u003cp\u003eIt’s also a great choice if you have a limited budget and are seeking a credit repair service that offers low initial work fees. These fees can be costly, so the fact that The Credit People charges $19 sets it apart from competitors. While this company doesn’t offer a money-back guarantee, it does let you cancel at any time, and you won’t be charged for that particular month of service.\u0026nbsp;\u003c/p\u003e\n\n\n\n\u003cp\u003eWhile The Credit People could be a good fit for some, online reviews from past customers are poor overall. The company has a 2.3- out of 5-star rating across seven Trustpilot reviews, and a 2.42- out of 5-star rating with BBB reviewers. Happy customers praise its customer service team and good results, though many displeased reviewers mention they didn’t see any improvement to their credit after using this company.\u003c/p\u003e\n\n\n\n\u003cp\u003eIdentity theft is a main driver to poor credit. However, The Credit People does not specify on its website any focus for clients with identity theft issues.\u003c/p\u003e\n\n\n\n\u003ch4 class=\"wp-block-heading\"\u003eThe Credit People’s pros and cons\u003c/h4\u003e\n\n\n\u003cp\u003e\u003cstyle\u003eN/A\u003c/style\u003e\n\u003c/p\u003e\n\u003cdiv class=\"pros_cons\"\u003e\n\u003cdiv\u003e\n\u003ch3\u003ePros\u003c/h3\u003e\n\u003cul\u003e\n\u003cli style=\"font-weight: 400;\" aria-level=\"1\"\u003e\u003cspan style=\"font-weight: 400;\"\u003eFairly low initial work fee \u003c/span\u003e\u003c/li\u003e\n\u003cli style=\"font-weight: 400;\" aria-level=\"1\"\u003e\u003cspan style=\"font-weight: 400;\"\u003eCan cancel at any time\u003c/span\u003e\u003c/li\u003e\n\u003cli style=\"font-weight: 400;\" aria-level=\"1\"\u003e\u003cspan style=\"font-weight: 400;\"\u003eUnlimited disputes with each plan\u003c/span\u003e\u003c/li\u003e\n\u003c/ul\u003e\n\u003c/div\u003e\n\u003cdiv\u003e\n\u003ch3\u003eCons\u003c/h3\u003e\n\u003cul\u003e\n\u003cli style=\"font-weight: 400;\" aria-level=\"1\"\u003e\u003cspan style=\"font-weight: 400;\"\u003eHigher plan costs than some competitors\u003c/span\u003e\u003c/li\u003e\n\u003cli style=\"font-weight: 400;\" aria-level=\"1\"\u003e\u003cspan style=\"font-weight: 400;\"\u003eMixed customer reviews\u003c/span\u003e\u003c/li\u003e\n\u003cli style=\"font-weight: 400;\" aria-level=\"1\"\u003e\u003cspan style=\"font-weight: 400;\"\u003eNo money-back guarantee\u003c/span\u003e\u003c/li\u003e\n\u003c/ul\u003e\n\u003c/div\u003e\n\u003c/div\u003e\n\n\n\u003ch4 class=\"wp-block-heading\"\u003e\u003cstrong\u003eThe Credit People’s plans breakdown\u003c/strong\u003e\u003c/h4\u003e\n\n\n\n\u003cp\u003eLike Credit Saint, The Credit People offers tiered plans based on the level of service you require. There are no differences in the features between the Premium and Flat rate plans; the only difference is a commitment for six months with Flat rate.\u003c/p\u003e\n\n\n\n\u003cfigure class=\"wp-block-table optimized-table-widget\"\u003e\u003ctable\u003e\u003cthead\u003e\u003ctr\u003e\u003cth\u003ePlans\u003c/th\u003e\u003cth\u003ePricing\u003c/th\u003e\u003cth\u003eFeatures\u003c/th\u003e\u003c/tr\u003e\u003c/thead\u003e\u003ctbody\u003e\u003ctr\u003e\u003ctd\u003eStandard\u003c/td\u003e\u003ctd\u003e$99 per month, plus a $19 initial work fee\u003c/td\u003e\u003ctd\u003e\u0026#8211; Unlimited disputes to all three major credit bureaus\u003cbr\u003e\u0026#8211; A before and after snapshot of your credit scores\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd\u003ePremium\u003c/td\u003e\u003ctd\u003e$119 per month, plus a $19 initial work fee\u003c/td\u003e\u003ctd\u003eEverything in the Standard plan, plus:\u003cbr\u003e\u0026#8211; Monthly credit reports and scores\u003cbr\u003e\u0026#8211; Creditor interventions\u003cbr\u003e\u0026#8211; Escalated dispute\u003cbr\u003e\u0026#8211; Validation requests\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd\u003eFlat rate\u003c/td\u003e\u003ctd\u003e$599 for six months, plus a $19 initial work fee\u003c/td\u003e\u003ctd\u003eEverything in the Premium plan for a six-month flat rate\u003c/td\u003e\u003c/tr\u003e\u003c/tbody\u003e\u003c/table\u003e\u003c/figure\u003e\n\n\n\n\u003ch4 class=\"wp-block-heading\"\u003eDoes The Credit People limit the number of monthly disputes?\u003c/h4\u003e\n\n\n\n\u003cp\u003eThe Credit People gives you unlimited monthly disputes with all of its plans, which is a huge competitive differentiator. Many other companies limit disputes, especially with lower-tier plans. Unlimited disputes mean that you might see results in a shorter time frame, as the company won’t be sending a limit of only five or 10 challenges each month.\u0026nbsp;\u003c/p\u003e\n\n\n\n\u003ch4 class=\"wp-block-heading\"\u003eDoes The Credit People offer discounts?\u003c/h4\u003e\n\n\n\n\u003cp\u003eThe Credit People doesn’t offer a percentage-off discount for its plans, though you can get a reduction in price when you sign up for six months of its premium plan. Typically, its premium plan costs $119 per month, but you can get a flat rate of $599 when you sign up for six months — a total cost reduction of $115.\u003c/p\u003e\n\n\n\n\u003cp\u003eLearn more about the credit repair company in our \u003ca href=\"https://fortune.com/recommends/loans/the-credit-people-review/\"\u003efull review of The Credit People\u003c/a\u003e.\u003c/p\u003e\n\n\n\n\u003ch2 class=\"wp-block-heading\" id=\"bestforadditionalfeaturesthecreditpros\"\u003eBest for additional features: The Credit Pros\u0026nbsp;\u003c/h2\u003e\n\n\n\n\u003cp\u003eLaunched in 2009, The Credit Pros has grown to become a reputable credit repair company with over 1 million customers. It provides all the services you’d expect from a credit repair company, plus some extras.\u0026nbsp;\u003c/p\u003e\n\n\n\n\u003cp\u003eThe Credit Pros also offers clear guidance on its process, explaining how it works from start to finish.\u0026nbsp; In addition to helping clients repair their credit, The Credit Pros also offers tools to help them understand their finances and credit better. It provides a more holistic credit and budgeting solution than many competitors. The Credit Pros offers three plans, and it has no recent complaints with the CFPB.\u003c/p\u003e\n\n\n\u003cdiv class=\"product-card-inline-wrapper\"\u003e\r\n\u003cdiv class=\"card-area-1\"\u003e\r\n\u003ch3 id=\"the-credit-pros\" class=\"card-title\"\u003e\u003ca href=\"https://tracking.thecreditpros.com/aff_c?offer_id=91\u0026amp;aff_id=3722\u0026amp;promo_number=844-546-8642\u0026amp;phone_number=\u0026amp;GUID=\u0026amp;adv_sub=3785728\" rel=\"nofollow noopener noreferrer\"\u003eThe Credit Pros\u003c/a\u003e\u003c/h3\u003e\r\n\u003csection class=\"card-description\"\u003e\r\n\u003ctable\u003e\r\n\u003ctbody\u003e\r\n\u003ctr\u003e\r\n\u003ctd\u003eMinimum Monthly Cost\u003c/td\u003e\r\n\u003ctd\u003e$69.99\u003c/td\u003e\r\n\u003c/tr\u003e\r\n\u003ctr\u003e\r\n\u003ctd\u003eSetup Fee\u003c/td\u003e\r\n\u003ctd\u003e$119, $129, or $149\u003c/td\u003e\r\n\u003c/tr\u003e\r\n\u003ctr\u003e\r\n\u003ctd\u003eMoney Back Guarantee\u003c/td\u003e\r\n\u003ctd\u003eYes, 90 days\u003c/td\u003e\r\n\u003c/tr\u003e\r\n\u003c/tbody\u003e\r\n\u003c/table\u003e\r\n\u003c/section\u003e\u003c/div\u003e\r\n\u003cdiv class=\"card-image card-area-2\"\u003e\u003cimg decoding=\"async\" class=\"alignnone wp-image-3781284 size-medium\" src=\"https://fortune.com/img-assets/wp-content/uploads/2024/05/Recommends_The-Credit-Pros-logo.png\" /\u003e\u003c/div\u003e\r\n\u003cdiv class=\"card-area-3\"\u003e\r\n\r\n\u003ca class=\"button-desktop\" href=\"https://tracking.thecreditpros.com/aff_c?offer_id=91\u0026amp;aff_id=3722\u0026amp;promo_number=844-546-8642\u0026amp;phone_number=\u0026amp;GUID=\u0026amp;adv_sub=3785728\" rel=\"nofollow noopener noreferrer\"\u003eView Offer\u003c/a\u003e\r\n\u003cp class=\"cta-caption\"\u003eat The Credit Pros\u003c/p\u003e\r\n\r\n\u003c/div\u003e\r\n\u003cdiv class=\"card-area-4\"\u003e\u003csection class=\"card-accordion two-pannels\" role=\"tablist\"\u003e\r\n\u003c!-- pannel 2 --\u003e \u003cinput id=\"control0-[ID]\" role=\"tab\" checked=\"checked\"name=\"accordion-pannel-[ID]\" type=\"radio\" aria-controls=\"content0-[ID]\" /\u003e \u003clabel id=\"label0-[ID]\" tabindex=\"0\" role=\"button\" for=\"control0-[ID]\"\u003eAvailable Plans\u003c/label\u003e\r\n\u003cdiv id=\"content0-[ID]\" class=\"card-accordion-panel\" role=\"tabpanel\" aria-labelledby=\"label0-[ID]\"\u003e\r\n \t\u003cli\u003e\u003cstrong\u003eMoney Management:\u003c/strong\u003e $69 per month, plus a $119 initial work fee.\u003c/li\u003e\r\n \t\u003cli\u003e\u003cstrong\u003eProsperity:\u003c/strong\u003e $129 per month, plus a $129 initial work fee.\u003c/li\u003e\r\n \t\u003cli\u003e\u003cstrong\u003eSuccess Plus:\u003c/strong\u003e $149 per month, plus a $149 initial work fee.\u003c/li\u003e\r\n\u003c/div\u003e\r\n\u003c!-- pannel 2 --\u003e \u003cinput id=\"control1-[ID]\" role=\"tab\" name=\"accordion-pannel-[ID]\" type=\"radio\" aria-controls=\"content1-[ID]\" /\u003e \u003clabel id=\"label1-[ID]\" tabindex=\"0\" role=\"button\" for=\"control1-[ID]\"\u003eCustomer Service\u003c/label\u003e\r\n\u003cdiv id=\"content1-[ID]\" class=\"card-accordion-panel\" role=\"tabpanel\" aria-labelledby=\"label1-[ID]\"\u003e\r\nNeed to reach The Credit Pros? The Florida-based company is over the phone and email. You can also use The Credit Pros’ live chat feature on its website.\r\n\u003c/div\u003e\r\n\u003ca class=\"button-mobile\" href=\"https://tracking.thecreditpros.com/aff_c?offer_id=91\u0026amp;aff_id=3722\u0026amp;promo_number=844-546-8642\u0026amp;phone_number=\u0026amp;GUID=\u0026amp;adv_sub=3785728\" target=\"_blank\" rel=\"noopener\"\u003eView Offer\u003c/a\u003e\r\n\u003cp class=\"cta-caption\"\u003eat The Credit Pros\u003c/p\u003e\r\n\r\n\u003c/section\u003e\u003c/div\u003e\r\n\u003c/div\u003e\n\n\n\u003ch4 class=\"wp-block-heading\"\u003e\u003cstrong\u003eWhy we like The Credit Pros\u003c/strong\u003e\u0026nbsp;\u003c/h4\u003e\n\n\n\n\u003cp\u003eThose seeking additional money management features beyond credit repair might find what they’re looking for with The Credit Pros. In addition to typical credit repair services, such as dispute letters and creditor interventions, users also get access to identity monitoring, a budgeting system, bill reminders, and a credit-builder loan with the top-tier account. That said, The Credit Pros isn’t the cheapest option around, so it may not be the best choice if you’re on a tight budget and prioritizing affordability.\u0026nbsp;\u003c/p\u003e\n\n\n\n\u003cp\u003eThe Credit Pros also includes “ID Cover Darkweb Monitoring” feature in each plan, which is designed to protect clients and their data from identity theft.\u003c/p\u003e\n\n\n\n\u003cp\u003eThe Credit Pros fares pretty well with its past customers. Online reviewers rate the company 3.83 out of 5 stars on its BBB page. It also has an A+ rating with the BBB itself. However, it did receive over 25 complaints on BBB over the last 12 months. Additionally, its Trustpilot page was shut down recently because it didn’t follow the site’s guidelines. Trustpilot indicates that it “removed a number of fake reviews for this company.” This could call its reviews on other sites into question too. However, The Credit Pros adamantly rejects the notion of ever using planting inaccurate reviews, and says it has tried to reach out to TrustPilot to rectify the issue. \u003c/p\u003e\n\n\n\n\u003ch4 class=\"wp-block-heading\"\u003eThe Credit Pro’s pros and cons\u003c/h4\u003e\n\n\n\u003cp\u003e\u003cstyle\u003eN/A\u003c/style\u003e\n\u003c/p\u003e\n\u003cdiv class=\"pros_cons\"\u003e\n\u003cdiv\u003e\n\u003ch3\u003ePros\u003c/h3\u003e\n\u003cul\u003e\n\u003cli style=\"font-weight: 400;\" aria-level=\"1\"\u003e\u003cspan style=\"font-weight: 400;\"\u003eDiscount available \u003c/span\u003e\u003c/li\u003e\n\u003cli style=\"font-weight: 400;\" aria-level=\"1\"\u003e\u003cspan style=\"font-weight: 400;\"\u003eOffers 60-day satisfaction guarantee \u003c/span\u003e\u003c/li\u003e\n\u003cli style=\"font-weight: 400;\" aria-level=\"1\"\u003e\u003cspan style=\"font-weight: 400;\"\u003eOffers bill reminders for each plan\u003c/span\u003e\u003c/li\u003e\n\u003cli aria-level=\"1\"\u003e\u003cspan style=\"font-weight: 400;\"\u003eIdentity theft monitoring available in all plans\u003c/span\u003e\u003c/li\u003e\n\u003c/ul\u003e\n\u003c/div\u003e\n\u003cdiv\u003e\n\u003ch3\u003eCons\u003c/h3\u003e\n\u003cul\u003e\n\u003cli style=\"font-weight: 400;\" aria-level=\"1\"\u003e\u003cspan style=\"font-weight: 400;\"\u003ePast legal issues\u003c/span\u003e\u003c/li\u003e\n\u003cli style=\"font-weight: 400;\" aria-level=\"1\"\u003e\u003cspan style=\"font-weight: 400;\"\u003eRelatively expensive plans\u003c/span\u003e\u003c/li\u003e\n\u003c/ul\u003e\n\u003c/div\u003e\n\u003c/div\u003e\n\n\n\u003ch4 class=\"wp-block-heading\"\u003e\u003cstrong\u003eThe Credit Pros’ plan breakdowns\u003c/strong\u003e\u003c/h4\u003e\n\n\n\n\u003cp\u003eThe Credit Pros offers its client three plan options ranging from $69 to $149 per month. Unlike most other credit repair companies, The Credit Pros charge a different initial work fee depending on the plan.\u003c/p\u003e\n\n\n\n\u003cfigure class=\"wp-block-table optimized-table-widget\"\u003e\u003ctable\u003e\u003cthead\u003e\u003ctr\u003e\u003cth\u003ePlans\u003c/th\u003e\u003cth\u003ePricing\u003c/th\u003e\u003cth\u003eFeatures\u003c/th\u003e\u003c/tr\u003e\u003c/thead\u003e\u003ctbody\u003e\u003ctr\u003e\u003ctd\u003eMoney Management\u003c/td\u003e\u003ctd\u003e$69 per month, plus a $119 initial work fee\u003c/td\u003e\u003ctd\u003e\u0026#8211; Reports and scores from one credit bureau\u003cbr\u003e\u0026#8211; ID monitoring\u003cbr\u003e\u0026#8211; TransUnion credit alerts\u0026nbsp;\u003cbr\u003e\u0026#8211; Real-time account syncing\u003cbr\u003e\u0026#8211; Budgeting tool\u003cbr\u003e\u0026#8211; Bill reminders\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd\u003eProsperity\u003c/td\u003e\u003ctd\u003e$129 per month, plus a $129 initial work fee\u003c/td\u003e\u003ctd\u003eEverything in Money Management, plus:\u003cbr\u003e\u0026#8211; Disputes with the three credit bureaus\u003cbr\u003e\u0026#8211; Creditor interventions\u003cbr\u003e\u0026#8211; Cease and desist letters\u003cbr\u003e\u0026#8211; Reference letters for credit card applications\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd\u003eSuccess Plus\u003c/td\u003e\u003ctd\u003e$149 per month, plus a $149 initial work fee\u003c/td\u003e\u003ctd\u003eEverything in Prosperity, plus:\u0026nbsp;\u003cbr\u003e\u0026#8211; Reports and scores from the three credit bureaus\u003cbr\u003e\u0026#8211; Access to a credit-builder loan\u003c/td\u003e\u003c/tr\u003e\u003c/tbody\u003e\u003c/table\u003e\u003c/figure\u003e\n\n\n\n\u003ch4 class=\"wp-block-heading\"\u003eDoes The Credit Pros limit the number of monthly disputes?\u003c/h4\u003e\n\n\n\n\u003cp\u003eThe Credit Pros doesn’t limit the number of monthly disputes it sends on your behalf. Instead, it offers unlimited disputes with each of its plans. This sets it apart from certain competitors that send a relatively small number of monthly disputes.\u0026nbsp;\u003c/p\u003e\n\n\n\n\u003ch4 class=\"wp-block-heading\"\u003eDoes The Credit Pros offer discounts?\u003c/h4\u003e\n\n\n\n\u003cp\u003eThe Credit Pros is currently advertising a $100 off coupon for new customers who enroll in its plans online. While this could bring the cost of a plan down significantly, this company’s high work fees are still a significant cost.\u003c/p\u003e\n\n\n\n\u003cp\u003eLearn more in our \u003ca href=\"https://fortune.com/recommends/loans/the-credit-pros-review/\"\u003efull review on The Credit Pros\u003c/a\u003e.\u003c/p\u003e\n\n\n\n\u003ch2 class=\"wp-block-heading\" id=\"most-affordable-credit-firm\"\u003eMost affordable: Credit Firm\u003c/h2\u003e\n\n\n\n\u003cp\u003eCredit Firm has been helping consumers improve their credit scores since 1997 and was founded by attorneys who specialize in consumer credit.\u003c/p\u003e\n\n\n\u003cdiv class=\"product-card-inline-wrapper\"\u003e\r\n\u003cdiv class=\"card-area-1\"\u003e\r\n\u003ch3 id=\"credit-firm\" class=\"card-title\"\u003e\u003ca href=\"https://secure.money.com/pr/u757688c05d6?s1=3785728\" rel=\"nofollow noopener noreferrer\"\u003eCredit Firm\u003c/a\u003e\u003c/h3\u003e\r\n\u003csection class=\"card-description\"\u003e\r\n\u003ctable\u003e\r\n\u003ctbody\u003e\r\n\u003ctr\u003e\r\n\u003ctd\u003eMinimum Monthly Cost\u003c/td\u003e\r\n\u003ctd\u003e$49.99\u003c/td\u003e\r\n\u003c/tr\u003e\r\n\u003ctr\u003e\r\n\u003ctd\u003eSetup Fee\u003c/td\u003e\r\n\u003ctd\u003e$0\u003c/td\u003e\r\n\u003c/tr\u003e\r\n\u003ctr\u003e\r\n\u003ctd\u003eMoney Back Guarantee\u003c/td\u003e\r\n\u003ctd\u003eNo\u003c/td\u003e\r\n\u003c/tr\u003e\r\n\u003c/tbody\u003e\r\n\u003c/table\u003e\r\n\u003c/section\u003e\u003c/div\u003e\r\n\u003cdiv class=\"card-image card-area-2\"\u003e\u003cimg decoding=\"async\" class=\"alignnone wp-image-3781284 size-medium\" src=\"https://fortune.com/img-assets/wp-content/uploads/2024/05/Recommends_Credit-Firm-logo.png\" /\u003e\u003c/div\u003e\r\n\u003cdiv class=\"card-area-3\"\u003e\r\n\r\n\u003ca class=\"button-desktop\" href=\"https://secure.money.com/pr/u757688c05d6?s1=3785728\" target=\"_blank\" rel=\"noopener nofollow\"\u003eView offer\u003c/a\u003e\r\n\u003cp class=\"cta-caption\"\u003eat Credit Firm\u003c/p\u003e\r\n\r\n\u003c/div\u003e\r\n\u003cdiv class=\"card-area-4\"\u003e\u003csection class=\"card-accordion two-pannels\" role=\"tablist\"\u003e\r\n\u003c!-- pannel 1 --\u003e \u003cinput id=\"control0-[ID]\" role=\"tab\" checked=\"checked\"name=\"accordion-pannel-[ID]\" type=\"radio\" aria-controls=\"content0-[ID]\" /\u003e \u003clabel id=\"label0-[ID]\" tabindex=\"0\" role=\"button\" for=\"control0-[ID]\"\u003eAvailable Plans\u003c/label\u003e\r\n\u003cdiv id=\"content0-[ID]\" class=\"card-accordion-panel\" role=\"tabpanel\" aria-labelledby=\"label0-[ID]\"\u003e\r\n \t\u003cli\u003e\u003cstrong\u003eIndividual Plan:\u003c/strong\u003e $49.99 per month with $0 set up fee.\u003c/li\u003e\r\n \t\u003cli\u003e\u003cstrong\u003eCouples Plan:\u003c/strong\u003e $89.99 per month with $0 set up fee.\u003c/li\u003e\r\n\u003c/div\u003e\r\n\u003c!-- pannel 2 --\u003e \u003cinput id=\"control1-[ID]\" role=\"tab\" name=\"accordion-pannel-[ID]\" type=\"radio\" aria-controls=\"content1-[ID]\" /\u003e \u003clabel id=\"label1-[ID]\" tabindex=\"0\" role=\"button\" for=\"control1-[ID]\"\u003eCustomer Service\u003c/label\u003e\r\n\u003cdiv id=\"content1-[ID]\" class=\"card-accordion-panel\" role=\"tabpanel\" aria-labelledby=\"label1-[ID]\"\u003e\r\nNeed to reach Credit Firm? According to its website, the Illinois-based company is available 24/7 every day of the year. Credit Firm is available over the phone, fax, email, or by using the contact form on its website.\r\n\u003c/div\u003e\r\n\u003ca class=\"button-mobile\" href=\"https://secure.money.com/pr/u757688c05d6?s1=3785728\" target=\"_blank\" rel=\"noopener nofollow\"\u003eView offer\u003c/a\u003e\r\n\u003cp class=\"cta-caption\"\u003eat Credit Firm\u003c/p\u003e\r\n\r\n\u003c/section\u003e\u003c/div\u003e\r\n\u003c/div\u003e\n\n\n\u003ch4 class=\"wp-block-heading\"\u003e\u003cstrong\u003eWhy we like Credit Firm as most affordable credit repair company\u003c/strong\u003e\u0026nbsp;\u003c/h4\u003e\n\n\n\n\u003cp\u003eWhile no credit repair company can truly guarantee results within a specified time frame, Credit Firm says consumers may see results within 30 to 45 days (but should allow for 90 days for more meaningful changes). With its relatively quick average time to see results, couples discount, and unlimited services, Credit Firm can be a great choice for couples looking to get a loan or lower interest rates within a few months. Additionally, the company does not charge a setup fee as many of its competitors do; consumers only pay the $49.99 monthly fee (or $89.99 for couples).\u003c/p\u003e\n\n\n\n\u003cp\u003eCredit Firm has a 3.3 out of 5-star rating on Trustpilot. While 71% of Trustpilot reviewers rate it 4 or 5 stars, indicating they’re satisfied with their results, 20% give it one star. Negative reviewers expressed dissatisfaction with their results, with several mentioning they saw no improvement in their credit scores.\u003c/p\u003e\n\n\n\n\u003ch4 class=\"wp-block-heading\"\u003eCredit Firm’s pros and cons\u003c/h4\u003e\n\n\n\u003cp\u003e\u003cstyle\u003eN/A\u003c/style\u003e\n\u003c/p\u003e\n\u003cdiv class=\"pros_cons\"\u003e\n\u003cdiv\u003e\n\u003ch3\u003ePros\u003c/h3\u003e\n\u003cul\u003e\n\u003cli style=\"font-weight: 400;\" aria-level=\"1\"\u003e\u003cspan style=\"font-weight: 400;\"\u003eFairly affordable plans \u003c/span\u003e\u003c/li\u003e\n\u003cli style=\"font-weight: 400;\" aria-level=\"1\"\u003e\u003cspan style=\"font-weight: 400;\"\u003eCouples discount available \u003c/span\u003e\u003c/li\u003e\n\u003cli style=\"font-weight: 400;\" aria-level=\"1\"\u003e\u003cspan style=\"font-weight: 400;\"\u003eOffers unlimited disputes\u003c/span\u003e\u003c/li\u003e\n\u003c/ul\u003e\n\u003c/div\u003e\n\u003cdiv\u003e\n\u003ch3\u003eCons\u003c/h3\u003e\n\u003cul\u003e\n\u003cli style=\"font-weight: 400;\" aria-level=\"1\"\u003e\u003cspan style=\"font-weight: 400;\"\u003eNo money-back guarantee\u003c/span\u003e\u003c/li\u003e\n\u003cli style=\"font-weight: 400;\" aria-level=\"1\"\u003e\u003cspan style=\"font-weight: 400;\"\u003eDoesn’t offer credit monitoring\u003c/span\u003e\u003c/li\u003e\n\u003cli style=\"font-weight: 400;\" aria-level=\"1\"\u003e\u003cspan style=\"font-weight: 400;\"\u003eMixed customer reviews\u003c/span\u003e\u003c/li\u003e\n\u003c/ul\u003e\n\u003c/div\u003e\n\u003c/div\u003e\n\n\n\u003ch4 class=\"wp-block-heading\"\u003e\u003cstrong\u003eCredit Firm’s plans breakdown\u003c/strong\u003e\u003c/h4\u003e\n\n\n\n\u003cp\u003eWhile Credit Firm does not offer tiered plans as some of its competitors do, it does offer two plans — one for individuals, and the other for couples. Both plans provide the same credit services including unlimited credit bureau and inquiry challenges.\u003c/p\u003e\n\n\n\n\u003cfigure class=\"wp-block-table optimized-table-widget\"\u003e\u003ctable\u003e\u003cthead\u003e\u003ctr\u003e\u003cth\u003ePlans\u003c/th\u003e\u003cth\u003ePricing\u003c/th\u003e\u003cth\u003eFeatures\u003c/th\u003e\u003c/tr\u003e\u003c/thead\u003e\u003ctbody\u003e\u003ctr\u003e\u003ctd\u003eStandard\u003c/td\u003e\u003ctd\u003e$49.99 per month with $0 set up fee\u003c/td\u003e\u003ctd\u003e\u0026#8211; Unlimited credit bureau challenges\u003cbr\u003e\u0026#8211; Unlimited Inquiry challenges\u003cbr\u003e\u0026#8211; Name variance challenges\u003cbr\u003e\u0026#8211; Address variance challenges\u003cbr\u003e\u0026#8211; Goodwill interventions\u003cbr\u003e\u0026#8211; Escalated info requests\u003cbr\u003e\u0026#8211; Debt validation\u003cbr\u003e\u0026#8211; Cease and desist requests\u003cbr\u003e\u0026#8211; Method of verification requests\u003cbr\u003e\u0026#8211; Section 609 requests\u003cbr\u003e\u0026#8211; CFPB investigations\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd\u003ePremium\u003c/td\u003e\u003ctd\u003e$89.99 per month with $0 set up fee\u003c/td\u003e\u003ctd\u003eEverything in the Individual Plan, but for you and your spouse\u003c/td\u003e\u003c/tr\u003e\u003c/tbody\u003e\u003c/table\u003e\u003c/figure\u003e\n\n\n\n\u003ch4 class=\"wp-block-heading\"\u003eDoes Credit Firm limit the number of monthly disputes?\u003c/h4\u003e\n\n\n\n\u003cp\u003eCredit Firm is unlike some competitors in that it customizes your total disputes based on your needs. The company indicates it typically disputes 5-7 accounts for each credit bureau monthly, but it can dispute as many as you’d like. The fact that it offers as many disputes as you need sets it apart from other credit repair companies offering lower monthly limits.\u0026nbsp;\u003c/p\u003e\n\n\n\n\u003ch4 class=\"wp-block-heading\"\u003eDoes Credit Firm offer discounts?\u003c/h4\u003e\n\n\n\n\u003cp\u003eCredit Firm doesn’t offer a percentage-off discount for new customers, although it provides some cost savings for couples. Instead of paying a monthly fee of $49.99 each, couples pay one monthly fee of $89.99. That’s a total cost savings of around $10 per month.\u003c/p\u003e\n\n\n\n\u003cp\u003eLearn more in our \u003ca href=\"https://fortune.com/recommends/loans/credit-firm-review/\"\u003efull review of Credit Firm\u003c/a\u003e.\u003c/p\u003e\n\n\n\n\u003ch2 class=\"wp-block-heading\"\u003eUnderstanding your credit score\u003c/h2\u003e\n\n\n\n\u003cp\u003eThere are a number of factors that contribute to your overall credit score. Some of the main ones are:\u003c/p\u003e\n\n\n\n\u003cul\u003e\n\u003cli\u003e\u003cstrong\u003ePayment history\u003c/strong\u003e: late payments will ding your score\u003c/li\u003e\n\n\n\n\u003cli\u003e\u003cstrong\u003eAmount of debt\u003c/strong\u003e: it is recommended to keep your debt below 30% of your overall credit\u003c/li\u003e\n\n\n\n\u003cli\u003e\u003cstrong\u003eLength of credit\u003c/strong\u003e: the longer you have credit cards open, the better\u003c/li\u003e\n\n\n\n\u003cli\u003e\u003cstrong\u003eAmount of new credit\u003c/strong\u003e: the credit bureaus don\u0026#8217;t like to see a lot of new credit inquiries within a short period of time\u003c/li\u003e\n\n\n\n\u003cli\u003e\u003cstrong\u003eCredit mix\u003c/strong\u003e: the credit bureaus prefer to see a mix of various types of credits such as credit cards, store cards, car loans, and mortgages.\u003c/li\u003e\n\u003c/ul\u003e\n\n\n\n\u003ch2 class=\"wp-block-heading\" id=\"what-to-know\"\u003e\u003cstrong\u003eWhat to know about credit repair companies\u003c/strong\u003e\u0026nbsp;\u003c/h2\u003e\n\n\n\n\u003cp\u003eThere’s not one specific menu of services or pricing model for credit repair companies. Instead, you’ll find that each offers different features, and while many companies charge a monthly fee, this isn’t true in all cases. For this reason, it’s essential to compare companies to find the best credit repair service for your situation.\u0026nbsp;\u003c/p\u003e\n\n\n\n\u003cp\u003eAlternatively, you can also do most of what credit repair companies do independently. If you notice inaccuracies or incomplete information on your credit report, it’s possible to contact the three major credit bureaus or your creditors directly to resolve the issue. But for those with significant credit issues, working with a credit repair service could save you time and potential headaches.\u0026nbsp;\u003c/p\u003e\n\n\n\n\u003ch2 class=\"wp-block-heading\" id=\"how-to-choose\"\u003e\u003cstrong\u003eHow to choose a credit repair company\u003c/strong\u003e\u003c/h2\u003e\n\n\n\n\u003cp\u003eIf a credit repair company sounds right for your situation, here’s what to compare as you research companies.\u0026nbsp;\u003c/p\u003e\n\n\n\n\u003cul\u003e\n\u003cli\u003e\u003cstrong\u003eTransparency\u003c/strong\u003e: Reputable companies will be upfront and clear about their pricing and services offered. Seek out companies that provide detailed information on their websites, and steer clear of those that aren’t transparent about their offerings.\u0026nbsp;\u003c/li\u003e\n\n\n\n\u003cli\u003e\u003cstrong\u003eServices and features\u003c/strong\u003e: As mentioned, different companies offer varying services, including free initial consultations, dispute letters, credit repair, credit education, and access to credit reports among other services. Find one with services that best suit your situation.\u0026nbsp;\u003c/li\u003e\n\n\n\n\u003cli\u003e\u003cstrong\u003ePricing\u003c/strong\u003e: Pricing models also vary, often depending on the level of service you require. Look into pricing to find a plan that meets your needs and budget.\u0026nbsp;\u003c/li\u003e\n\n\n\n\u003cli\u003e\u003cstrong\u003eCustomer service\u003c/strong\u003e: You’ll want to compare each credit repair company’s customer service channels to ensure you can reach a representative if needed.\u003c/li\u003e\n\n\n\n\u003cli\u003e\u003cstrong\u003eCompany reputation\u003c/strong\u003e: Review company websites and history, and look at company profiles on sites like the Consumer Financial Protection Bureau’s compliant database, Trustpilot, the Better Business Bureau, and other consumer review sites. Doing so will provide some insight into whether a company is reputable and trustworthy.\u0026nbsp;\u003c/li\u003e\n\n\n\n\u003cli\u003e\u003cstrong\u003eCancellation policy\u003c/strong\u003e: Some credit repair services offer more flexible cancellation policies than others, and policy information is often available on company websites. Read over cancellation policies and look into any guarantees companies may offer. For instance, some provide a 90-day money-back guarantee if you don’t see inaccuracies removed from your credit reports.\u0026nbsp;\u003c/li\u003e\n\u003c/ul\u003e\n\n\n\n\u003ch2 class=\"wp-block-heading\" id=\"legal\"\u003eCredit repair legal controversies\u003c/h2\u003e\n\n\n\n\u003cp\u003eThe credit repair industry, as a whole, has a checkered reputation. They are sometimes viewed as predatory because the services they provide can be done by any individual with credit report inaccuracies. Some consumers with complaints were validated when Lexington Law and Creditrepair.com entered into a $2.7 billion settlement agreement with CFPB in 2023. The CFPB accused the two companies of taking illegal advance fees from their clients through telemarketing, which violates federal law.\u003c/p\u003e\n\n\n\n\u003cp\u003eWhen considering hiring a credit repair company to assist in disputing inaccuracies in your report, be sure that the company is being transparent and upfront with their fees, which should be displayed clearly on their website.\u003c/p\u003e\n\n\n\n\u003ch2 class=\"wp-block-heading\" id=\"identity-theft\"\u003e\u003cstrong\u003eHow identity theft can impact your credit\u003c/strong\u003e\u003c/h2\u003e\n\n\n\n\u003cp\u003eYour identity, and the data that represents you, is what allows you to take out loans, credit cards, and set up other forms of accounts. When your identity is used by others to make purchases on your name, it can severely impact you financially. Your credit will also suffer if those charges are not addressed. Identity theft is one of the main drivers that unexpectedly impacts credit. Some credit repair companies, like The Credit Pros, have features in their plan to proactively monitor potential identity theft concerns.\u003c/p\u003e\n\n\n\n\u003ch2 class=\"wp-block-heading\" id=\"methodology\"\u003e\u003cstrong\u003eOur methodology\u003c/strong\u003e\u0026nbsp;\u003c/h2\u003e\n\n\n\n\u003cp\u003eTo develop our list of the best credit repair companies, we researched and analyzed over a dozen companies in the market. In our analysis, we considered factors like transparency, pricing, services provided, and company reputation. We also weighed other things like overall customer experience, customer satisfaction, and whether companies had any recent regulatory action taken against them.\u003c/p\u003e\n\n\n\n\u003cfigure class=\"wp-block-embed is-type-rich is-provider-datawrapper wp-block-embed-datawrapper\"\u003e\u003cdiv class=\"wp-block-embed__wrapper\"\u003e\n\u003ciframe title=\"Best credit repair companies: Our methodology\" aria-label=\"pies-title\" id=\"datawrapper-chart-tO7Ar\" src=\"https://datawrapper.dwcdn.net/tO7Ar/1/\" scrolling=\"no\" frameborder=\"0\" style=\"width: 0; min-width: 100% !important; border: none;\" height=\"485\" data-external=\"1\"\u003e\u003c/iframe\u003e\u003cscript type=\"text/javascript\"\u003e!function(){\"use strict\";window.addEventListener(\"message\",(function(a){if(void 0!==a.data[\"datawrapper-height\"]){var e=document.querySelectorAll(\"iframe\");for(var t in a.data[\"datawrapper-height\"])for(var r=0;r\u003ce.length;r++)if(e[r].contentWindow===a.source){var i=a.data[\"datawrapper-height\"][t]+\"px\";e[r].style.height=i}}}))}();\u003c/script\u003e\n\u003c/div\u003e\u003c/figure\u003e\n\n\n\n\u003cp\u003e\u003cstrong\u003eAverage time to see results (53%)\u003c/strong\u003e - When it comes to repairing credit, time is money. The sooner your credit score improves, the sooner you can get better rates on loans and credit cards.\u003c/p\u003e\n\n\n\n\u003cp\u003e\u003cstrong\u003eConsumer Reviews (22%)\u003c/strong\u003e - What actual consumers have to say about their experience with a credit repair agency was taken into account. We looked at a number of consumer review sites — like TrustPilot and Google Reviews — to compile the score. \u003c/p\u003e\n\n\n\n\u003cp\u003e\u003cstrong\u003eCosts (15%)\u003c/strong\u003e - Many credit repair companies have developed a poor reputation of charging high fees while delivering little-to-no results. We ranked them based on fees including monthly rates, setup fees, money back guarantees, and available discounts.\u003c/p\u003e\n\n\n\n\u003cp\u003e\u003cstrong\u003eRatings (10%)\u003c/strong\u003e - We ranked each company based on how well they are rated by Better Business Bureau and other independent rating agencies.\u003c/p\u003e\n\n\n\n\u003ch2 class=\"wp-block-heading\" id=\"faq\"\u003eFrequently asked questions\u003c/h2\u003e\n\n\n\n\u003cdetails class=\"wp-block-details is-layout-flow wp-block-details-is-layout-flow\"\u003e\u003csummary\u003eWhat’s the best credit repair company?\u003c/summary\u003e\n\u003cp\u003eThe best credit repair company for you will depend on your needs and budget. Each company offers an array of different services and pricing models, so comparing options can help you find a company that suits your situation. Some top companies include Credit Saint, The Credit People, The Credit Pros, Sky Blue, and Lexington Law.\u003c/p\u003e\n\u003c/details\u003e\n\n\n\n\u003cdetails class=\"wp-block-details is-layout-flow wp-block-details-is-layout-flow\"\u003e\u003csummary\u003eHow much does cost to repair credit?\u003c/summary\u003e\n\u003cp\u003eThe fees credit repair companies charge to help you fix inaccuracies in your credit report typically include an initial setup fee and a monthly fee. The range for setup fees are between $0 and $149; and the range for monthly are between $49 to $200 per month.\u003c/p\u003e\n\u003c/details\u003e\n\n\n\n\u003cdetails class=\"wp-block-details is-layout-flow wp-block-details-is-layout-flow\"\u003e\u003csummary\u003eWhat is the best possible credit score? \u003c/summary\u003e\n\u003cp\u003eOlder credit score models used to go as high as 900, but that’s not the case anymore. The highest possible credit score one can achieve is capped at 850, which only less than 2% of Americans have.\u003c/p\u003e\n\u003c/details\u003e\n\n\n\n\u003cdetails class=\"wp-block-details is-layout-flow wp-block-details-is-layout-flow\"\u003e\u003csummary\u003eCan you really pay someone to fix your credit?\u003c/summary\u003e\n\u003cp\u003eYes, it’s possible to pay a credit repair company to help dispute inaccurate or incomplete information on your credit reports. Getting this information removed could help improve your credit. That said, credit repair companies don’t guarantee they’ll fix your credit.\u003c/p\u003e\n\u003c/details\u003e\n\n\n\n\u003cdetails class=\"wp-block-details is-layout-flow wp-block-details-is-layout-flow\"\u003e\u003csummary\u003eWhat’s the fastest way to fix your credit?\u0026nbsp;\u003c/summary\u003e\n\u003cp\u003eSeveral actions could help you fix your credit, including contacting the credit bureaus to get inaccurate or incomplete information removed from your credit reports, \u003ca href=\"https://fortune.com/recommends/loans/best-debt-relief-companies/\"\u003epaying down credit card debt\u003c/a\u003e, making on-time payments, increasing your credit limits, and limiting the number of new accounts you open.\u003c/p\u003e\n\u003c/details\u003e\n\n\n\n\u003cdetails class=\"wp-block-details is-layout-flow wp-block-details-is-layout-flow\"\u003e\u003csummary\u003eHow long does it take to repair credit?\u003c/summary\u003e\n\u003cp\u003eThe three credit agencies — Equifax, Experian, and TransUnion — typically evaluate credit on a monthly basis. They monitor factors that include debt and late payments. Reducing debt presents the quickest path to improving your credit where you may see results in less than two months. Seeing results after removing inaccuracies will take about three to six months.\u003c/p\u003e\n\u003c/details\u003e\n\n\n\n\u003cdetails class=\"wp-block-details is-layout-flow wp-block-details-is-layout-flow\"\u003e\u003csummary\u003eWhat is a bad credit score?\u003c/summary\u003e\n\u003cp\u003eBad credit, or subprime credit, is typically anything below 580. The lower your credit score, the harder it will be to secure a lower interest-rate loan or credit card. A high credit score can help unlock the best available \u003ca href=\"https://fortune.com/recommends/loans/best-personal-loans/\"\u003eloans\u003c/a\u003e, \u003ca href=\"https://fortune.com/recommends/credit-cards/best-credit-cards/\"\u003ecredit cards\u003c/a\u003e, and other financial products.\u003c/p\u003e\n\u003c/details\u003e\n\n\n\r\n\u003cdiv class=\"wp-block-group pro-tip-box-widget\"\u003e\u003cdiv class=\"wp-block-group__inner-container is-layout-constrained wp-block-group-is-layout-constrained\"\u003e\r\n\u003ch3 class=\"wp-block-heading pro-tip-box-heading\"\u003eRead more\u003c/h3\u003e\r\n\r\n\r\n\r\n\u003cli\u003eMake a budget and fix your finances by downloading one of the \u003ca href=\"https://fortune.com/recommends/banking/best-budgeting-apps/\"\u003ebest budgeting apps\u003c/a\u003e.\u003c/li\u003e\r\n\u003cli\u003eIf you need cash in a jiffy, check out our ranking of the \u003ca href=\"https://fortune.com/recommends/banking/cash-advance-apps/\"\u003ebest cash advance apps\u003c/a\u003e.\u003c/li\u003e\r\n\u003cli\u003eSelecting one of the \u003ca href=\"https://fortune.com/recommends/banking/best-free-checking-accounts/\"\u003ebest free checking accounts\u003c/a\u003e means you’ll never pay annual fees for checking.\u003c/li\u003e\r\n\u003cli\u003eDownloading one of the \u003ca href=\"https://fortune.com/recommends/investing/best-investment-apps/\"\u003ebest investment apps\u003c/a\u003e lets you manage your investments when you’re on the go.\u003c/li\u003e\r\n\u003c/div\u003e\u003c/div\u003e\u003c/div\u003e","databaseId":3785728,"dateGmt":"2024-03-27T16:54:57","dek":"","description":"Credit repair companies can assist in removing inaccuracies in your reports. These are the best based on their reputation and time to see results.","faq":[{"answer":"The best credit repair company for you will depend on your needs and budget. Each company offers an array of different services and pricing models, so comparing options can help you find a company that suits your situation. Some top companies include Credit Saint, The Credit People, The Credit Pros, Sky Blue, and Lexington Law.","question":"What’s the best credit repair company?","__typename":"FaqField"},{"answer":"Yes, it’s possible to pay a credit repair company to help dispute inaccurate or incomplete information on your credit reports. Getting this information removed could help improve your credit. That said, credit repair companies don’t guarantee they’ll fix your credit.","question":"Can you really pay someone to fix your credit?","__typename":"FaqField"},{"answer":"Several actions could help you fix your credit, including contacting the credit bureaus to get inaccurate or incomplete information removed from your credit reports, paying down credit card debt, making on-time payments, increasing your credit limits, and limiting the number of new accounts you open.","question":"What’s the fastest way to fix your credit?","__typename":"FaqField"},{"answer":"The three credit agencies — Equifax, Experian, and TransUnion — typically evaluate credit on a monthly basis. They monitor factors that include debt and late payments. Reducing debt presents the quickest path to improving your credit where you may see results in less than two months. Seeing results after removing inaccuracies will take about three to six months.","question":"How long does it take to repair credit?","__typename":"FaqField"},{"answer":"Bad credit, or subprime credit, is typically anything below 580. The lower your credit score, the harder it will be to secure a lower interest-rate loan or credit card. A high credit score can help unlock the best available loans, credit cards, and other financial products.","question":"What is a bad credit score?","__typename":"FaqField"},{"answer":"Older credit score models used to go as high as 900, but that's not the case anymore. The highest possible credit score one can achieve is capped at 850, which only less than 2% of Americans have.","question":"What is the best possible credit score?","__typename":"FaqField"}],"featuredMediaType":"image","floatingNavContent":"\u003cul\u003e\n\u003cli\u003e\u003ca href=\"#best\"\u003eBest credit repair companies\u003c/a\u003e\n\u003col\u003e\n\u003cli\u003e\u003ca href=\"#bestoverall-creditsaint\"\u003eBest overall: Credit Saint\u003c/a\u003e\u003c/li\u003e\n\u003cli\u003e\u003ca href=\"#skybluecredit\"\u003eBest for couples: Sky Blue Credit\u003c/a\u003e\u003c/li\u003e\n\u003cli\u003e\u003ca href=\"#thecreditpeople\"\u003eBest for low initial work fees: The Credit People\u003c/a\u003e\u003c/li\u003e\n\u003cli\u003e\u003ca href=\"#bestforadditionalfeaturesthecreditpros\"\u003eBest for additional features: The Credit Pros\u003c/a\u003e\u003c/li\u003e\n\u003cli\u003e\u003ca href=\"#most-affordable-credit-firm\"\u003eMost affordable: Credit Firm\u003c/a\u003e\u003c/li\u003e\n\u003c/ol\u003e\n\u003c/li\u003e\n\u003cli\u003e\u003ca href=\"#top-picks\"\u003eOur top picks for credit repair companies\u003c/a\u003e\u003c/li\u003e\n\u003cli\u003e\u003ca href=\"#what-to-know\"\u003eWhat to know about credit repair companies\u003c/a\u003e\u003c/li\u003e\n\u003cli\u003e\u003ca href=\"#how-to-choose\"\u003eHow to choose a credit repair company\u003c/a\u003e\u003c/li\u003e\n\u003cli\u003e\u003ca href=\"#legal\"\u003eCredit repair legal controversies\u003c/a\u003e\u003c/li\u003e\n\u003cli\u003e\u003ca href=\"#identity-theft\"\u003eHow identity theft can impact your credit\u003c/a\u003e\u003c/li\u003e\n\u003cli\u003e\u003ca href=\"#methodology\"\u003eOur methodology\u003c/a\u003e\u003c/li\u003e\n\u003cli\u003e\u003ca href=\"#faq\"\u003eFrequently asked questions\u003c/a\u003e\u003c/li\u003e\n\u003c/ul\u003e\n","floatingNavTitle":"On this page","footnotes":null,"id":"cG9zdDozNzg1NzI4","image":"https://fortune.com/img-assets/wp-content/uploads/2024/02/credit-repair-getty-e1711547050845.jpg?resize=1200,600","imageCaption":"If you have low scores on your credit report, credit repair companies may be able to help.","imageCredit":"Getty Images","keywords":"","link":"https://fortune.com/recommends/loans/best-credit-repair-companies/","metaTitle":"5 best credit repair companies—and what they do well","modifiedGmt":"2024-11-14T12:31:33","pageType":"evergreen","platformCD":"recommends","postId":3785728,"postSettings":{"postSettingsDek":null,"enableSubscriptionPlea":true,"subscriptionPleaDesign":"with-bottom-border","subscriptionPleaPosition":null,"subscriptionPleaTextLined":"\u003cp class=\"p1\"\u003eFollow Fortune Recommends on \u003ca href=\"https://www.facebook.com/fortunerecommends\"\u003eFacebook\u003c/a\u003e and \u003ca href=\"https://twitter.com/fortunerecs\"\u003eTwitter\u003c/a\u003e.\u003c/p\u003e","bylineCommentary":null,"mediaItem":{"altText":"","caption":"Credit score report document and pen with computer keyboard on the desk.","mediaItemUrl":"https://fortune.com/img-assets/wp-content/uploads/2024/02/credit-repair-getty-e1711547050845.jpg"},"__typename":"Settings"},"premiumCategory":{"name":"F-Search","premiumCategoryId":447850669,"link":"https://fortune.com/?taxonomy=premium_categories\u0026term=f-search-free","__typename":"BrandedArticlePremiumCategoryFieldsFields"},"primaryPostTag":{"name":"Debt","primaryTagId":22790,"link":"https://fortune.com/tag/debt/","uri":"/tag/debt/","__typename":"BrandedArticlePrimaryPostTagIdFieldsFields"},"primarySection":{"name":"Loans","primarySectionId":447860483,"link":"https://fortune.com/recommends/loans/","uri":"/recommends/loans/","__typename":"BrandedArticlePrimarySectionIdFieldsFields"},"primaryTopic":{"name":"","primaryTopicId":-1},"relatedVideoId":"","relatedVideoType":"no_video","reviewedBy":{"funFactHeader":"","funFactValue":"","image":"https://fortune.com/img-assets/wp-content/uploads/2024/02/ehab-headshot.jpeg?w=150","name":"Ehab Zahriyeh","role":"Senior Editor, Personal Finance","shortIntro":"","social":{"instaUrl":"","linkedinUrl":"https://www.linkedin.com/in/ehabz/","twitterUrl":"","__typename":"ReviewerSocialUrlsFields"},"uri":"/author/ehabzahriyeh/"},"sectionNames":["Loans"],"sections":[{"name":"Loans","sectionId":447860483,"slug":"loans","__typename":"BrandedArticleClassificationSectionFieldsFields"}],"series":[],"showModifiedTimestamp":1,"socialDescription":"","socialTitle":"5 best credit repair companies—and what they do well","stickyCta":null,"tagNames":["Consumer Credit","consumer debt","credit","credit card debt","Debt","Editor's Picks","no copyright","Rankings and Roundups"],"tags":[{"name":"Consumer Credit","tagId":548066,"__typename":"BrandedArticleClassificationTagFieldsFields"},{"name":"consumer debt","tagId":571893,"__typename":"BrandedArticleClassificationTagFieldsFields"},{"name":"credit","tagId":447824463,"__typename":"BrandedArticleClassificationTagFieldsFields"},{"name":"credit card debt","tagId":14583,"__typename":"BrandedArticleClassificationTagFieldsFields"},{"name":"Debt","tagId":22790,"__typename":"BrandedArticleClassificationTagFieldsFields"},{"name":"Editor's Picks","tagId":447851104,"__typename":"BrandedArticleClassificationTagFieldsFields"},{"name":"no copyright","tagId":447849520,"__typename":"BrandedArticleClassificationTagFieldsFields"},{"name":"Rankings and Roundups","tagId":447865369,"__typename":"BrandedArticleClassificationTagFieldsFields"}],"templateType":"landing_page","thumbnailUrl":"https://fortune.com/img-assets/wp-content/uploads/2024/02/credit-repair-getty-e1711547050845.jpg","title":"5 best credit repair companies—and what they do well","topicNames":[],"topics":[],"url":"https://fortune.com/recommends/loans/best-credit-repair-companies/","videoId":null,"widgetCss":null},"articleData":{"adTags":[{"adtagname":"cat_Credit Repair","description":null,"slug":"cat-credit-repair"},{"adtagname":"High Intent","description":null,"slug":"high-intent"},{"adtagname":"ptype_Roundup","description":null,"slug":"ptype-roundup"}],"audienceDek":"Credit repair companies can assist in removing inaccuracies in your reports. These are the best based on their reputation and time to see results.","authorNames":["Jessica Ullrich"],"authors":[{"email":"","image":"https://fortune.com/img-assets/wp-content/uploads/2023/11/Jessica-Ullrich-headshot.jpeg?w=150","name":"Jessica Ullrich","sameAs":"","type":"Person","uri":"/author/jessica-ulrich/","url":"https://fortune.com/author/jessica-ulrich/","role":"Personal Finance Expert","funFactHeader":"","funFactValue":"","social":{"instaUrl":"","linkedinUrl":"https://www.linkedin.com/in/jessicaullrich/","twitterUrl":"","__typename":"AuthorSocialUrlsFields"},"shortIntro":"\u003cp\u003e\u003cspan style=\"font-weight: 400\"\u003eJessica is a personal finance expert who’s been creating online content since 2009. Before transitioning to full-time freelance writing, she was on the editorial team at Investopedia and The Balance. Her writing has been published on Yahoo Finance, Forbes Advisor, Investopedia, Time, and Newsweek.\u003c/span\u003e\u003c/p\u003e\n","__typename":"Co-authors"}],"breadcrumbs":{"items":[{"label":"LOANS AND MORTGAGES","link":"https://fortune.com/recommends/loans-mortgages/"},{"label":"LOANS","link":"/recommends/loans/"},{"label":"5 BEST CREDIT REPAIR COMPANIES—AND WHAT THEY DO WELL","link":""}]},"bypassPaywall":{"postBypassLinkEnabled":"","postBypassLinkUnique":""},"canonicalUrl":null,"channel":"Loans","content":"\u003cp\u003eIf you’re struggling with significant credit score issues, working with a credit repair company could provide some much-needed relief. Credit repair companies can identify and remove inaccurate or incomplete information from your credit reports, with the goal of improving your credit history and score. Doing so can lead to getting you access to better interest rates that can ultimately save you money, especially on large purchases.\u003c/p\u003e\u003cdiv class=\"paywall-selector\"\u003e\u003c/div\u003e\u003cdiv class=\"paywall\"\u003e\n\n\n\n\u003cp\u003eTo help you find a reputable credit repair service, we’ve researched over a dozen companies, analyzing their services provided, pricing, transparency, time it takes to see results, and company reputation. \u003c/p\u003e\n\n\n\n\u003cp\u003eTheir fees are subject to change, but all figures on our list are current as of September 9, 2024. Here are our top picks for the best credit repair companies available.\u003c/p\u003e\n\n\n\n\u003cdetails class=\"wp-block-details why-trust-us-widget is-layout-flow wp-block-details-is-layout-flow\"\u003e\u003csummary\u003eWhy trust Fortune Recommends\u003c/summary\u003e\n\u003cp\u003eOur editors are committed to bringing you unbiased ratings and information. Our editorial content is not influenced by advertisers. We use data-driven methodologies to evaluate financial products and companies, so all are measured equally. Read more about our \u003ca href=\"https://fortune.com/fortune-recommends-editorial-guidelines/\"\u003eeditorial guidelines \u003c/a\u003efor the ratings below.\u003c/p\u003e\n\n\n\n\u003cul\u003e\n\u003cli\u003eOver a dozen agencies compared\u003c/li\u003e\n\n\n\n\u003cli\u003eMore than 120 data points collected\u003c/li\u003e\n\n\n\n\u003cli\u003e4 layers of fact-checking\u003c/li\u003e\n\u003c/ul\u003e\n\u003c/details\u003e\n\n\n\n\u003ch2 class=\"wp-block-heading\" id=\"best\"\u003e\u003cstrong\u003eThe 5 best credit repair companies of November 2024\u003c/strong\u003e\u003c/h2\u003e\n\n\n\n\u003cfigure class=\"wp-block-table optimized-table-widget\"\u003e\u003ctable\u003e\u003cthead\u003e\u003ctr\u003e\u003cth\u003eCredit repair company\u003c/th\u003e\u003cth\u003eMinimum Monthly Cost\u003c/th\u003e\u003cth\u003eSetup Fee\u003c/th\u003e\u003cth\u003eSee details\u003c/th\u003e\u003c/tr\u003e\u003c/thead\u003e\u003ctbody\u003e\u003ctr\u003e\u003ctd\u003e\u003cstrong\u003eBest overall: \u003c/strong\u003e\u003ca href=\"#bestoverall-creditsaint\" data-type=\"internal\" data-id=\"#bestoverall-creditsaint\"\u003eCredit Saint\u003c/a\u003e\u003c/td\u003e\u003ctd\u003e$79.99\u003c/td\u003e\u003ctd\u003e$99\u003c/td\u003e\u003ctd\u003e\u003ca href=\"https://www.creditsaint.com/enter/00e903869a98b935088abef62f0184fd?sub_id=3785728\" data-type=\"link\" data-id=\"https://fortune.com/recommends\" target=\"_blank\" rel=\"noreferrer noopener nofollow\"\u003eView offer\u003c/a\u003e\u003cbr\u003eat Credit Saint\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd\u003e\u003cstrong\u003eBest for couples: \u003c/strong\u003e\u003ca href=\"#skybluecredit\" data-type=\"internal\" data-id=\"#skybluecredit\"\u003eSky Blue\u0026nbsp;Credit\u003c/a\u003e\u003c/td\u003e\u003ctd\u003e$79\u003c/td\u003e\u003ctd\u003e$79\u003c/td\u003e\u003ctd\u003e\u003ca href=\"https://secure.money.com/pr/o684d060e488?s1=3785728\" data-type=\"link\" data-id=\"https://fortune.com/recommends\" target=\"_blank\" rel=\"noreferrer noopener nofollow\"\u003eView offer\u003c/a\u003e\u003cbr\u003eat Sky Blue Credit\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd\u003e\u003cstrong\u003eBest for low initial work fees:\u003c/strong\u003e \u003ca href=\"#thecreditpeople\" data-type=\"internal\" data-id=\"#thecreditpeople\"\u003eThe Credit People\u003c/a\u003e\u003c/td\u003e\u003ctd\u003e$99\u003c/td\u003e\u003ctd\u003e$19\u003c/td\u003e\u003ctd\u003e\u003ca href=\"https://secure.money.com/pr/u6160ff3d6f7?s1=3785728\" data-type=\"link\" data-id=\"https://fortune.com/recommends\" target=\"_blank\" rel=\"noreferrer noopener nofollow\"\u003eView offer\u003c/a\u003e\u003cbr\u003eat The Credit People\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd\u003e\u003cstrong\u003eBest for additional features:\u003c/strong\u003e \u003ca href=\"#bestforadditionalfeaturesthecreditpros\" data-type=\"internal\" data-id=\"#bestforadditionalfeaturesthecreditpros\"\u003eThe Credit Pros\u003c/a\u003e\u003c/td\u003e\u003ctd\u003e$69.99\u003c/td\u003e\u003ctd\u003e$119, $129, or $149\u003c/td\u003e\u003ctd\u003e\u003ca href=\"https://secure.money.com/pr/r76675fd5947?s1=3785728\" target=\"_blank\" rel=\"noreferrer noopener nofollow\"\u003eView offer\u003c/a\u003e\u003cbr\u003eat The Credit Pros\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd\u003e\u003cstrong\u003eMost affordable:\u003c/strong\u003e \u003ca href=\"#most-affordable-credit-firm\" data-type=\"internal\" data-id=\"#most-affordable-credit-firm\"\u003eCredit Firm\u003c/a\u003e\u003c/td\u003e\u003ctd\u003e$49.99\u003c/td\u003e\u003ctd\u003e$0\u003c/td\u003e\u003ctd\u003e\u003ca href=\"https://secure.money.com/pr/u757688c05d6?s1=3785728\" data-type=\"link\" data-id=\"https://fortune.com/recommends\" target=\"_blank\" rel=\"noreferrer noopener nofollow\"\u003eView offer\u003c/a\u003e\u003cbr\u003eat Credit Firm\u003c/td\u003e\u003c/tr\u003e\u003c/tbody\u003e\u003c/table\u003e\u003c/figure\u003e\n\n\n\n\u003ch2 class=\"wp-block-heading\" id=\"bestoverall-creditsaint\"\u003eBest overall: Credit Saint\u0026nbsp;\u003c/h2\u003e\n\n\n\n\u003cp\u003eCredit Saint is a long-standing credit repair service that has been helping customers with their credit since 2007. It offers all the services you’d expect from a credit repair company, including a free initial consultation, dispute letters to the credit bureaus, and creditor-specific intervention letters, inquiry tracking, and credit education for customers.\u003c/p\u003e\n\n\n\u003cdiv class=\"product-card-inline-wrapper\"\u003e\r\n\u003cdiv class=\"card-area-1\"\u003e\r\n\u003ch3 id=\"credit-saint\" class=\"card-title\"\u003e\u003ca href=\"https://www.creditsaint.com/enter/00e903869a98b935088abef62f0184fd?sub_id=3785728\" rel=\"nofollow noopener noreferrer\"\u003eCredit Saint\u003c/a\u003e\u003c/h3\u003e\r\n\u003csection class=\"card-description\"\u003e\r\n\u003ctable\u003e\r\n\u003ctbody\u003e\r\n\u003ctr\u003e\r\n\u003ctd\u003eMinimum Monthly Cost\u003c/td\u003e\r\n\u003ctd\u003e$79.99\u003c/td\u003e\r\n\u003c/tr\u003e\r\n\u003ctr\u003e\r\n\u003ctd\u003eSetup Fee\u003c/td\u003e\r\n\u003ctd\u003e$99\u003c/td\u003e\r\n\u003c/tr\u003e\r\n\u003ctr\u003e\r\n\u003ctd\u003eMoney Back Guarantee\u003c/td\u003e\r\n\u003ctd\u003eYes, after 90 days\u003c/td\u003e\r\n\u003c/tr\u003e\r\n\u003c/tbody\u003e\r\n\u003c/table\u003e\r\n\u003c/section\u003e\r\n\u003c/div\u003e\r\n\u003cdiv class=\"card-image card-area-2\"\u003e\u003cimg decoding=\"async\" class=\"alignnone wp-image-3781284 size-medium\" src=\"https://fortune.com/img-assets/wp-content/uploads/2024/05/Recommends_Credit-Saint-Logo.png\" /\u003e\u003c/div\u003e\r\n\u003cdiv class=\"card-area-3\"\u003e\u003ca class=\"button-desktop\" href=\"https://www.creditsaint.com/enter/00e903869a98b935088abef62f0184fd?sub_id=3785728\" target=\"_blank\" rel=\"noopener noreferrer nofollow\"\u003eView offer\u003c/a\u003e\r\n\u003cp class=\"cta-caption\"\u003eat Credit Saint\u003c/p\u003e\r\n\u003c/div\u003e\r\n\u003cdiv class=\"card-area-4\"\u003e\r\n\u003csection class=\"card-accordion two-pannels\" role=\"tablist\"\u003e\u003c!-- pannel 1 --\u003e \u003cinput id=\"control0-[ID]\" role=\"tab\" checked=\"checked\" name=\"accordion-pannel-[ID]\" type=\"radio\" aria-controls=\"content1-[ID]\" /\u003e \u003clabel id=\"label1-[ID]\" tabindex=\"0\" role=\"button\" for=\"control0-[ID]\"\u003eAvailable Plans\u003c/label\u003e\r\n\u003cdiv id=\"content0-[ID]\" class=\"card-accordion-panel\" role=\"tabpanel\" aria-labelledby=\"label0-[ID]\"\u003e\r\n\u003cli\u003e\u003cstrong\u003eCredit Polish:\u003c/strong\u003e $79.99 per month, plus $99 initial work fee.\u003c/li\u003e\r\n\u003cli\u003e\u003cstrong\u003eCredit Remodel:\u003c/strong\u003e $109.99 per month, plus $99 initial work fee.\u003c/li\u003e\r\n\u003cli\u003e\u003cstrong\u003eClean Slate:\u003c/strong\u003e $139.99 per month, plus $195 initial work fee.\u003c/li\u003e\r\n\u003c/div\u003e\r\n\u003c!-- pannel 2 --\u003e \u003cinput id=\"control1-[ID]\" role=\"tab\" name=\"accordion-pannel-[ID]\" type=\"radio\" aria-controls=\"content1-[ID]\" /\u003e \u003clabel id=\"label1-[ID]\" tabindex=\"0\" role=\"button\" for=\"control1-[ID]\"\u003eCustomer Service\u003c/label\u003e\r\n\u003cdiv id=\"content1-[ID]\" class=\"card-accordion-panel\" role=\"tabpanel\" aria-labelledby=\"label1-[ID]\"\u003e\r\nNeed to reach Credit Saint? You can call the New Jersey-based company any day of the week during its hours of operations (all in Eastern Time): Monday through Friday between 9:00am and 10:00pm, Saturdays between 10:00am and 8:00pm, or Sundays between 12:00pm and 8:00pm. Existing customers have the option of reaching Credit Saint through the company’s online chat, which is available on weekdays between 9:00am and 7:00pm.\r\n\u003c/div\u003e\r\n\u003ca class=\"button-mobile\" href=\"https://www.creditsaint.com/enter/00e903869a98b935088abef62f0184fd?sub_id=3785728\" target=\"_blank\" rel=\"noopener noreferrer nofollow\"\u003eView offer\u003c/a\u003e\r\n\u003cp class=\"cta-caption\"\u003eat Credit Saint\u003c/p\u003e\r\n\u003c/section\u003e\r\n\u003c/div\u003e\r\n\u003c/div\u003e\n\n\n\u003ch4 class=\"wp-block-heading\"\u003e\u003cstrong\u003eWhy we like Credit Saint as best overall credit repair\u003c/strong\u003e\u0026nbsp;\u003c/h4\u003e\n\n\n\n\u003cp\u003eCredit Saint is a solid choice for those seeking credit repair assistance, and its tiered services make it suitable for many situations. Its customer service team is also accessible through many channels if you have questions or concerns. While Credit Saint isn’t the lowest-price service around, its industry reputation, array of features, and 90-day money-back guarantee make it worth considering.\u0026nbsp;\u0026nbsp;\u003c/p\u003e\n\n\n\n\u003cp\u003eUnlike many competitors, Credit Saint has a decent reputation with its customers and very few complaints with the Consumer Financial Protection Bureau (CFPB). Trustpilot reviewers give it an average of 4.26 out of 5 stars across nearly 500 reviews.\u0026nbsp;\u003c/p\u003e\n\n\n\n\u003cp\u003eSatisfied customers praise the company’s team, mentioning how patient, helpful, and informative it was during the credit repair process. While the company’s reviews are positive overall, some dissatisfied customers complain about a lack of results. The company also does not promote any specific focus on identity theft support.\u003c/p\u003e\n\n\n\n\u003ch4 class=\"wp-block-heading\"\u003eCredit Saint’s pros and cons\u003c/h4\u003e\n\n\n\u003cp\u003e\u003cstyle\u003eN/A\u003c/style\u003e\n\u003c/p\u003e\n\u003cdiv class=\"pros_cons\"\u003e\n\u003cdiv\u003e\n\u003ch3\u003ePros\u003c/h3\u003e\n\u003cul\u003e\n\u003cli style=\"font-weight: 400;\" aria-level=\"1\"\u003e\u003cspan style=\"font-weight: 400;\"\u003ePositive reputation in the industry and among most customers\u003c/span\u003e\u003c/li\u003e\n\u003cli style=\"font-weight: 400;\" aria-level=\"1\"\u003e\u003cspan style=\"font-weight: 400;\"\u003e90-day money-back guarantee\u003c/span\u003e\u003c/li\u003e\n\u003cli style=\"font-weight: 400;\" aria-level=\"1\"\u003e\u003cspan style=\"font-weight: 400;\"\u003eUnlimited dispute letters with Clean Slate plan\u003c/span\u003e\u003c/li\u003e\n\u003c/ul\u003e\n\u003c/div\u003e\n\u003cdiv\u003e\n\u003ch3\u003eCons\u003c/h3\u003e\n\u003cul\u003e\n\u003cli style=\"font-weight: 400;\" aria-level=\"1\"\u003e\u003cspan style=\"font-weight: 400;\"\u003eSome negative reviews from past customers\u003c/span\u003e\u003c/li\u003e\n\u003cli style=\"font-weight: 400;\" aria-level=\"1\"\u003e\u003cspan style=\"font-weight: 400;\"\u003eNot the cheapest credit repair service available\u003c/span\u003e\u003c/li\u003e\n\u003cli style=\"font-weight: 400;\" aria-level=\"1\"\u003e\u003cspan style=\"font-weight: 400;\"\u003eLimited disputes with less expensive plans\u003c/span\u003e\u003c/li\u003e\n\u003c/ul\u003e\n\u003c/div\u003e\n\u003c/div\u003e\n\n\n\u003ch4 class=\"wp-block-heading\"\u003e\u003cstrong\u003eCredit Saint’s plans breakdown\u003c/strong\u003e\u003c/h4\u003e\n\n\n\n\u003cp\u003eCredit Saint offers the packages to help repair your credit. The right package will depend on the number of challenges you may need since only one option offers unlimited challenges to the three credit bureaus. Here’s a breakdown:\u003c/p\u003e\n\n\n\n\u003cfigure class=\"wp-block-table optimized-table-widget\"\u003e\u003ctable\u003e\u003cthead\u003e\u003ctr\u003e\u003cth\u003ePlans\u003c/th\u003e\u003cth\u003ePricing\u003c/th\u003e\u003cth\u003eFeatures\u003c/th\u003e\u003c/tr\u003e\u003c/thead\u003e\u003ctbody\u003e\u003ctr\u003e\u003ctd\u003eCredit Polish\u003c/td\u003e\u003ctd\u003e$79.99 per month, plus $99 initial work fee\u003c/td\u003e\u003ctd\u003e\u0026nbsp;\u0026#8211; Unspecified number of monthly challenges to the three credit bureaus (Equifax, Experian, and TransUnion)\u003cbr\u003e\u0026#8211; Credit score analysis and tracking; free access to educational credit content and online chat\u003cbr\u003e\u0026#8211; 90-day money-back guarantee\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd\u003eCredit Remodel\u003c/td\u003e\u003ctd\u003e$109.99 per month, plus $99 initial work fee\u003c/td\u003e\u003ctd\u003eAll services of Credit Polish, plus:\u0026nbsp;\u003cbr\u003e\u0026#8211; Inquiry targeting\u003cbr\u003e\u0026#8211; Access to one credit report and score\u003cbr\u003e\u0026#8211; A guide to building credit\u003cbr\u003e\u0026#8211; Real-time account syncing\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd\u003eClean Slate\u003c/td\u003e\u003ctd\u003e$139.99 per month, plus $195 initial work fee\u003c/td\u003e\u003ctd\u003eAll services of Credit Remodel, plus:\u0026nbsp;\u003cbr\u003e\u0026#8211; Unlimited number of monthly challenges to the three credit bureaus\u003cbr\u003e\u0026#8211; Creditor interventions\u003cbr\u003e\u0026#8211; Access to all three credit reports and scores\u003c/td\u003e\u003c/tr\u003e\u003c/tbody\u003e\u003c/table\u003e\u003c/figure\u003e\n\n\n\n\u003ch4 class=\"wp-block-heading\"\u003eDoes Credit Saint limit the number of monthly disputes?\u003c/h4\u003e\n\n\n\n\u003cp\u003eCredit Saint offers unlimited challenges to the credit bureaus with its Clean Slate plan, which costs $139.99 per month, plus a $195 initial work fee. More challenges can mean more opportunities to dispute negative credit report items and a faster process overall. The company indicates it offers challenges to the three credit bureaus with its less expensive plans, but it doesn’t disclose its monthly limits.\u0026nbsp;\u003c/p\u003e\n\n\n\n\u003ch4 class=\"wp-block-heading\"\u003eDoes Credit Saint offer discounts?\u003c/h4\u003e\n\n\n\n\u003cp\u003eSome previous customers report that Credit Saint offered $15 off its first working fee in the past, although there’s no information about this discount on the company’s site. But Credit Saint gives any family member added to your plan a free first working fee for one month.\u003c/p\u003e\n\n\n\n\u003cp\u003eLearn more in our \u003ca href=\"https://fortune.com/recommends/loans/credit-saint-review/\"\u003efull Credit Saint review\u003c/a\u003e.\u003c/p\u003e\n\n\n\n\u003ch2 class=\"wp-block-heading\" id=\"skybluecredit\"\u003eBest for couples: Sky Blue Credit\u003c/h2\u003e\n\n\n\n\u003cp\u003eSky Blue Credit has been helping its clients rebuild their credit since 1989. It specializes in offering credit help to couples at a discounted rate, whether they want to improve their credit before getting a mortgage or for another purpose.\u0026nbsp; Users can benefit from Sky Blue’s array of credit repair services, and the company offers a transparent process that’s clearly outlined on its website, so you’ll understand how the company is working on your behalf.\u003c/p\u003e\n\n\n\u003cdiv class=\"product-card-inline-wrapper\"\u003e\r\n\u003cdiv class=\"card-area-1\"\u003e\r\n\u003ch3 id=\"sky-blue-credit\" class=\"card-title\"\u003e\u003ca href=\"https://secure.money.com/pr/o684d060e488?s1=3785728\" rel=\"nofollow noopener noreferrer\"\u003eSky Blue Credit\u003c/a\u003e\u003c/h3\u003e\r\n\u003csection class=\"card-description\"\u003e\r\n\u003ctable\u003e\r\n\u003ctbody\u003e\r\n\u003ctr\u003e\r\n\u003ctd\u003eMinimum Monthly Cost\u003c/td\u003e\r\n\u003ctd\u003e$79\u003c/td\u003e\r\n\u003c/tr\u003e\r\n\u003ctr\u003e\r\n\u003ctd\u003eSetup Fee\u003c/td\u003e\r\n\u003ctd\u003e$79\u003c/td\u003e\r\n\u003c/tr\u003e\r\n\u003ctr\u003e\r\n\u003ctd\u003eMoney Back Guarantee\u003c/td\u003e\r\n\u003ctd\u003eYes, 90 days\u003c/td\u003e\r\n\u003c/tr\u003e\r\n\u003c/tbody\u003e\r\n\u003c/table\u003e\r\n\u003c/section\u003e\u003c/div\u003e\r\n\u003cdiv class=\"card-image card-area-2\"\u003e\u003cimg decoding=\"async\" class=\"alignnone wp-image-3781284 size-medium\" src=\"https://fortune.com/img-assets/wp-content/uploads/2024/05/Recommends_Sky-Blue-Credit-logo.png\" /\u003e\u003c/div\u003e\r\n\u003cdiv class=\"card-area-3\"\u003e\r\n\r\n\u003ca class=\"button-desktop\" href=\"https://secure.money.com/pr/o684d060e488?s1=3785728\" target=\"_blank\" rel=\"noopener nofollow\"\u003eView offer\u003c/a\u003e\r\n\u003cp class=\"cta-caption\"\u003eat Sky Blue Credit\u003c/p\u003e\r\n\r\n\u003c/div\u003e\r\n\u003cdiv class=\"card-area-4\"\u003e\u003csection class=\"card-accordion two-pannels\" role=\"tablist\"\u003e\r\n\u003c!-- pannel 1 --\u003e\r\n\u003cinput id=\"control0-[ID]\" role=\"tab\" checked=\"checked\"name=\"accordion-pannel-[ID]\" type=\"radio\" aria-controls=\"content0-[ID]\" /\u003e\r\n\u003clabel id=\"label0-[ID]\" tabindex=\"0\" role=\"button\" for=\"control0-[ID]\"\u003eAvailable Plans\u003c/label\u003e\r\n\u003cdiv id=\"content0-[ID]\" class=\"card-accordion-panel\" role=\"tabpanel\" aria-labelledby=\"label0-[ID]\"\u003e\r\n \t\u003cli\u003e\u003cstrong\u003eBasic:\u003c/strong\u003e $79 per month for individuals, $119 per month for couples.\u003c/li\u003e\r\n \t\u003cli\u003e\u003cstrong\u003eFull:\u003c/strong\u003e $99 per month for individuals, $149 per month for couples.\u003c/li\u003e\r\n\u003c/div\u003e\r\n\u003c!-- pannel 2 --\u003e \u003cinput id=\"control1-[ID]\" role=\"tab\" name=\"accordion-pannel-[ID]\" type=\"radio\" aria-controls=\"content1-[ID]\" /\u003e \u003clabel id=\"label1-[ID]\" tabindex=\"0\" role=\"button\" for=\"control1-[ID]\"\u003eCustomer Service\u003c/label\u003e\r\n\u003cdiv id=\"content1-[ID]\" class=\"card-accordion-panel\" role=\"tabpanel\" aria-labelledby=\"label1-[ID]\"\u003e\r\nNeed to reach Sky Blue Credit? The Florida-based company is available over the phone on weekdays between 9:00am and 5:00pm EST. Existing customers can log in to the credit repair company’s platform to send secure messages.\r\n\u003c/div\u003e\r\n\u003ca class=\"button-mobile\" href=\"https://secure.money.com/pr/o684d060e488?s1=3785728\" target=\"_blank\" rel=\"noopener nofollow\"\u003eView offer\u003c/a\u003e\r\n\u003cp class=\"cta-caption\"\u003eat Sky Blue Credit\u003c/p\u003e\r\n\r\n\u003c/section\u003e\u003c/div\u003e\r\n\u003c/div\u003e\n\n\n\u003ch4 class=\"wp-block-heading\"\u003e\u003cstrong\u003eWhy we like Sky Blue as best credit repair for couples\u003c/strong\u003e\u0026nbsp;\u003c/h4\u003e\n\n\n\n\u003cp\u003eSky Blue Credit is our top pick for those looking to repair their credit. The company has an A+ Better Business Bureau (BBB) rating, and it offers affordable pricing, a $0 set-up fee, and a 90-day money-back guarantee. According to Sky Blue Credit, the average time it takes to see results in our reports is 45 days. Additionally, Sky Blue Credit offers a special discount for couples. This makes it a great option if you want to work as a team to better your financial situation in general or in advance of a home purchase.\u0026nbsp;\u003c/p\u003e\n\n\n\n\u003cp\u003eWhile Sky Blue Credit has many pros, feedback from past customers is fairly limited and existing reviews are mixed. The company has two consumer reviews on Trustpilot, with a 2.9 out of 5 star rating. But it’s important to note that its Trustpilot reviews don’t look legitimate. It fares slightly better with BBB reviewers, with an average of 3.67 out of 5 stars. Reviews on BBB seem authentic, with some past customers praising the company’s customer service team and positive results. That said, a few reviewers mentioned that they didn’t see their credit improve after working with Sky Blue.\u003c/p\u003e\n\n\n\n\u003cp\u003eSky Blue Credit has two recent CFPB complaints, one of which was resolved in a timely manner. The other remains unresolved, but the complaint itself states that the company didn’t help repair their credit. It’s worth noting that credit repair companies don’t guarantee they can fix your credit.\u003c/p\u003e\n\n\n\n\u003cp\u003eAdditionally, Sky Blue Credit does not highlight identity theft support or tools on its website.\u003c/p\u003e\n\n\n\n\u003ch4 class=\"wp-block-heading\"\u003eSky Blue Credit\u0026#8217;s pros and cons\u003c/h4\u003e\n\n\n\u003cp\u003e\u003cstyle\u003eN/A\u003c/style\u003e\n\u003c/p\u003e\n\u003cdiv class=\"pros_cons\"\u003e\n\u003cdiv\u003e\n\u003ch3\u003ePros\u003c/h3\u003e\n\u003cul\u003e\n\u003cli style=\"font-weight: 400;\" aria-level=\"1\"\u003e\u003cspan style=\"font-weight: 400;\"\u003e90-day money-back guarantee \u003c/span\u003e\u003c/li\u003e\n\u003cli style=\"font-weight: 400;\" aria-level=\"1\"\u003e\u003cspan style=\"font-weight: 400;\"\u003eCan cancel or pause your service anytime\u003c/span\u003e\u003c/li\u003e\n\u003cli style=\"font-weight: 400;\" aria-level=\"1\"\u003e\u003cspan style=\"font-weight: 400;\"\u003eMore affordable than some competitors\u003c/span\u003e\u003c/li\u003e\n\u003c/ul\u003e\n\u003c/div\u003e\n\u003cdiv\u003e\n\u003ch3\u003eCons\u003c/h3\u003e\n\u003cul\u003e\n\u003cli style=\"font-weight: 400;\" aria-level=\"1\"\u003e\u003cspan style=\"font-weight: 400;\"\u003eSome negative reviews from past customers\u003c/span\u003e\u003c/li\u003e\n\u003cli style=\"font-weight: 400;\" aria-level=\"1\"\u003e\u003cspan style=\"font-weight: 400;\"\u003eDoesn’t specify how many disputes it offers with its plans \u003c/span\u003e\u003c/li\u003e\n\u003cli style=\"font-weight: 400;\" aria-level=\"1\"\u003e\u003cspan style=\"font-weight: 400;\"\u003eNo credit builder tool with basic service\u003c/span\u003e\u003c/li\u003e\n\u003c/ul\u003e\n\u003c/div\u003e\n\u003c/div\u003e\n\n\n\u003ch4 class=\"wp-block-heading\"\u003e\u003cstrong\u003eSky Blue’s plans breakdown\u003c/strong\u003e\u003c/h4\u003e\n\n\n\n\u003cp\u003eSky Blue Credit offers two plan types, both with the option to sign up as an individual or couple.\u003c/p\u003e\n\n\n\n\u003cfigure class=\"wp-block-table optimized-table-widget\"\u003e\u003ctable\u003e\u003cthead\u003e\u003ctr\u003e\u003cth\u003ePlans\u003c/th\u003e\u003cth\u003ePricing\u003c/th\u003e\u003cth\u003eFeatures\u003c/th\u003e\u003c/tr\u003e\u003c/thead\u003e\u003ctbody\u003e\u003ctr\u003e\u003ctd\u003eBasic\u003c/td\u003e\u003ctd\u003e$79 per month for individuals, $119 per month for couples\u003c/td\u003e\u003ctd\u003e\u0026#8211; Three-bureau reports and scores\u003cbr\u003e\u0026#8211; Unspecified number of credit bureaus disputes\u003cbr\u003e\u0026#8211; One-on-one consultations\u003cbr\u003e\u0026#8211; Score tracker\u003cbr\u003e\u0026#8211; 24/7 access to client portal\u003cbr\u003e\u0026#8211; 60 day credit updates\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd\u003eFull\u003c/td\u003e\u003ctd\u003e$99 per month for individuals, $149 per month for couples\u003c/td\u003e\u003ctd\u003eEverything in basic, plus:\u003cbr\u003e\u0026#8211; Creditor interventions\u003cbr\u003e\u0026#8211; Inquiry disputes\u003cbr\u003e\u0026#8211; Debt validation letters\u003cbr\u003e\u0026#8211; Cease and desist letters\u003cbr\u003e\u0026#8211; Personal information correction letters\u003cbr\u003e\u0026#8211; 45 day credit updates\u003cbr\u003e\u0026#8211; Credit builder tool\u003c/td\u003e\u003c/tr\u003e\u003c/tbody\u003e\u003c/table\u003e\u003c/figure\u003e\n\n\n\n\u003ch4 class=\"wp-block-heading\"\u003eDoes Sky Blue Credit limit the number of monthly disputes?\u003c/h4\u003e\n\n\n\n\u003cp\u003eSky Blue Credit provides credit bureau disputes with both of its plans, but it doesn’t disclose how many monthly disputes it offers. In the past, it seems this company has limited disputes to 15 a month—five for each of the major credit bureaus. But it doesn’t specify a limit any longer.\u003c/p\u003e\n\n\n\n\u003ch4 class=\"wp-block-heading\"\u003eDoes Sky Blue Credit offer discounts?\u003c/h4\u003e\n\n\n\n\u003cp\u003eSky Blue doesn’t offer a discount, per se, though it does provide special savings for couples seeking help with credit repair. If you opt for a basic plan, you can add your partner to the service for $40 per month for a total of $119 monthly. That cost increases to $50 per month with its full-service plans, bringing the total cost to $149 monthly.\u003c/p\u003e\n\n\n\n\u003cp\u003eLearn more in our full \u003ca href=\"https://fortune.com/recommends/loans/sky-blue-credit-review/\"\u003eSky Blue Credit review\u003c/a\u003e.\u003c/p\u003e\n\n\n\n\u003cdiv class=\"wp-block-group pro-tip-box-widget\"\u003e\u003cdiv class=\"wp-block-group__inner-container is-layout-constrained wp-block-group-is-layout-constrained\"\u003e\n\u003ch3 class=\"wp-block-heading pro-tip-box-heading\"\u003eDig deeper:\u003c/h3\u003e\n\n\n\n\u003cp\u003e\u003ca href=\"https://fortune.com/recommends/credit-cards/is-bad-credit-worse-than-no-credit/\"\u003eBad credit vs. no credit: Which is worse?\u003c/a\u003e\u003cbr\u003e\u003ca href=\"https://fortune.com/recommends/credit-cards/how-to-check-your-credit-score/\"\u003e5 easy options for checking your credit score\u003c/a\u003e\u003cbr\u003e\u003ca href=\"https://fortune.com/recommends/credit-cards/what-is-a-good-credit-score/\"\u003eWhat’s a good credit score? It depends on the lender and credit-scoring model\u003c/a\u003e\u003c/p\u003e\n\u003c/div\u003e\u003c/div\u003e\n\n\n\n\u003ch2 class=\"wp-block-heading\" id=\"thecreditpeople\"\u003eBest for low initial work fees: The Credit People\u0026nbsp;\u003c/h2\u003e\n\n\n\n\u003cp\u003eThe Credit People has been in business since 2001, and it has helped over 100,000 customers struggling with their credit. New customers get a free credit consultation to discuss their specific situation with a company representative. Its services also include unlimited disputes, credit score tracking, monthly credit scores and reports, and higher-level interventions and disputes for premium account holders.\u003c/p\u003e\n\n\n\u003cdiv class=\"product-card-inline-wrapper\"\u003e\r\n\u003cdiv class=\"card-area-1\"\u003e\r\n\u003ch3 id=\"the-credit-people\" class=\"card-title\"\u003e\u003ca href=\"https://secure.money.com/pr/u6160ff3d6f7?s1=3785728\" rel=\"nofollow noopener noreferrer\"\u003eThe Credit People\u003c/a\u003e\u003c/h3\u003e\r\n\u003csection class=\"card-description\"\u003e\r\n\u003ctable\u003e\r\n\u003ctbody\u003e\r\n\u003ctr\u003e\r\n\u003ctd\u003eMinimum Monthly Cost\u003c/td\u003e\r\n\u003ctd\u003e$99\u003c/td\u003e\r\n\u003c/tr\u003e\r\n\u003ctr\u003e\r\n\u003ctd\u003eSetup Fee\u003c/td\u003e\r\n\u003ctd\u003e$19\u003c/td\u003e\r\n\u003c/tr\u003e\r\n\u003ctr\u003e\r\n\u003ctd\u003eMoney Back Guarantee\u003c/td\u003e\r\n\u003ctd\u003eYes, 6 months\u003c/td\u003e\r\n\u003c/tr\u003e\r\n\u003c/tbody\u003e\r\n\u003c/table\u003e\r\n\u003c/section\u003e\u003c/div\u003e\r\n\u003cdiv class=\"card-image card-area-2\"\u003e\u003cimg decoding=\"async\" class=\"alignnone wp-image-3781284 size-medium\" src=\"https://fortune.com/img-assets/wp-content/uploads/2024/05/Recommends_The-Credit-People-Logo.png\" /\u003e\u003c/div\u003e\r\n\u003cdiv class=\"card-area-3\"\u003e\r\n\r\n\u003ca class=\"button-desktop\" href=\"https://secure.money.com/pr/u6160ff3d6f7?s1=3785728\" target=\"_blank\" rel=\"noopener nofollow\"\u003eView offer\u003c/a\u003e\r\n\u003cp class=\"cta-caption\"\u003eat The Credit People\u003c/p\u003e\r\n\r\n\u003c/div\u003e\r\n\u003cdiv class=\"card-area-4\"\u003e\u003csection class=\"card-accordion two-pannels\" role=\"tablist\"\u003e\r\n\u003c!-- pannel 1 --\u003e \u003cinput id=\"control0-[ID]\" role=\"tab\" checked=\"checked\"name=\"accordion-pannel-[ID]\" type=\"radio\" aria-controls=\"content0-[ID]\" /\u003e \u003clabel id=\"label0-[ID]\" tabindex=\"0\" role=\"button\" for=\"control0-[ID]\"\u003eAvailable Plans\u003c/label\u003e\r\n\u003cdiv id=\"content0-[ID]\" class=\"card-accordion-panel\" role=\"tabpanel\" aria-labelledby=\"label0-[ID]\"\u003e\r\n \t\u003cli\u003e\u003cstrong\u003eStandard:\u003c/strong\u003e $99 per month, plus a $19 initial work fee.\u003c/li\u003e\r\n \t\u003cli\u003e\u003cstrong\u003ePremium:\u003c/strong\u003e $119 per month, plus a $19 initial work fee.\u003c/li\u003e\r\n \t\u003cli\u003e\u003cstrong\u003eFlat rate:\u003c/strong\u003e $599 for six months, plus a $19 initial work fee.\u003c/li\u003e\r\n\u003c/div\u003e\r\n\u003c!-- pannel 2 --\u003e \u003cinput id=\"control1-[ID]\" role=\"tab\" name=\"accordion-pannel-[ID]\" type=\"radio\" aria-controls=\"content1-[ID]\" /\u003e \u003clabel id=\"label1-[ID]\" tabindex=\"0\" role=\"button\" for=\"control1-[ID]\"\u003eCustomer Service\u003c/label\u003e\r\n\u003cdiv id=\"content1-[ID]\" class=\"card-accordion-panel\" role=\"tabpanel\" aria-labelledby=\"label1-[ID]\"\u003e\r\nNeed to reach The Credit People? The company—with offices in Chicago, Florida, and Utah—is available over the phone, fax, or email. The Credit People’s hours of operations are not made available on its website.\r\n\u003c/div\u003e\r\n\u003ca class=\"button-mobile\" href=\"https://secure.money.com/pr/u6160ff3d6f7?s1=3785728\" target=\"_blank\" rel=\"noopener nofollow\"\u003eView offer\u003c/a\u003e\r\n\u003cp class=\"cta-caption\"\u003eat The Credit People\u003c/p\u003e\r\n\r\n\u003c/section\u003e\u003c/div\u003e\r\n\u003c/div\u003e\n\n\n\u003ch4 class=\"wp-block-heading\"\u003e\u003cstrong\u003eWhy we like The Credit People\u003c/strong\u003e\u0026nbsp;\u003c/h4\u003e\n\n\n\n\u003cp\u003eThe Credit People is worth considering if you need moderate assistance with your credit without all the bells and whistles of a service, such as Credit Saint.\u0026nbsp;\u003c/p\u003e\n\n\n\n\u003cp\u003eIt’s also a great choice if you have a limited budget and are seeking a credit repair service that offers low initial work fees. These fees can be costly, so the fact that The Credit People charges $19 sets it apart from competitors. While this company doesn’t offer a money-back guarantee, it does let you cancel at any time, and you won’t be charged for that particular month of service.\u0026nbsp;\u003c/p\u003e\n\n\n\n\u003cp\u003eWhile The Credit People could be a good fit for some, online reviews from past customers are poor overall. The company has a 2.3- out of 5-star rating across seven Trustpilot reviews, and a 2.42- out of 5-star rating with BBB reviewers. Happy customers praise its customer service team and good results, though many displeased reviewers mention they didn’t see any improvement to their credit after using this company.\u003c/p\u003e\n\n\n\n\u003cp\u003eIdentity theft is a main driver to poor credit. However, The Credit People does not specify on its website any focus for clients with identity theft issues.\u003c/p\u003e\n\n\n\n\u003ch4 class=\"wp-block-heading\"\u003eThe Credit People’s pros and cons\u003c/h4\u003e\n\n\n\u003cp\u003e\u003cstyle\u003eN/A\u003c/style\u003e\n\u003c/p\u003e\n\u003cdiv class=\"pros_cons\"\u003e\n\u003cdiv\u003e\n\u003ch3\u003ePros\u003c/h3\u003e\n\u003cul\u003e\n\u003cli style=\"font-weight: 400;\" aria-level=\"1\"\u003e\u003cspan style=\"font-weight: 400;\"\u003eFairly low initial work fee \u003c/span\u003e\u003c/li\u003e\n\u003cli style=\"font-weight: 400;\" aria-level=\"1\"\u003e\u003cspan style=\"font-weight: 400;\"\u003eCan cancel at any time\u003c/span\u003e\u003c/li\u003e\n\u003cli style=\"font-weight: 400;\" aria-level=\"1\"\u003e\u003cspan style=\"font-weight: 400;\"\u003eUnlimited disputes with each plan\u003c/span\u003e\u003c/li\u003e\n\u003c/ul\u003e\n\u003c/div\u003e\n\u003cdiv\u003e\n\u003ch3\u003eCons\u003c/h3\u003e\n\u003cul\u003e\n\u003cli style=\"font-weight: 400;\" aria-level=\"1\"\u003e\u003cspan style=\"font-weight: 400;\"\u003eHigher plan costs than some competitors\u003c/span\u003e\u003c/li\u003e\n\u003cli style=\"font-weight: 400;\" aria-level=\"1\"\u003e\u003cspan style=\"font-weight: 400;\"\u003eMixed customer reviews\u003c/span\u003e\u003c/li\u003e\n\u003cli style=\"font-weight: 400;\" aria-level=\"1\"\u003e\u003cspan style=\"font-weight: 400;\"\u003eNo money-back guarantee\u003c/span\u003e\u003c/li\u003e\n\u003c/ul\u003e\n\u003c/div\u003e\n\u003c/div\u003e\n\n\n\u003ch4 class=\"wp-block-heading\"\u003e\u003cstrong\u003eThe Credit People’s plans breakdown\u003c/strong\u003e\u003c/h4\u003e\n\n\n\n\u003cp\u003eLike Credit Saint, The Credit People offers tiered plans based on the level of service you require. There are no differences in the features between the Premium and Flat rate plans; the only difference is a commitment for six months with Flat rate.\u003c/p\u003e\n\n\n\n\u003cfigure class=\"wp-block-table optimized-table-widget\"\u003e\u003ctable\u003e\u003cthead\u003e\u003ctr\u003e\u003cth\u003ePlans\u003c/th\u003e\u003cth\u003ePricing\u003c/th\u003e\u003cth\u003eFeatures\u003c/th\u003e\u003c/tr\u003e\u003c/thead\u003e\u003ctbody\u003e\u003ctr\u003e\u003ctd\u003eStandard\u003c/td\u003e\u003ctd\u003e$99 per month, plus a $19 initial work fee\u003c/td\u003e\u003ctd\u003e\u0026#8211; Unlimited disputes to all three major credit bureaus\u003cbr\u003e\u0026#8211; A before and after snapshot of your credit scores\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd\u003ePremium\u003c/td\u003e\u003ctd\u003e$119 per month, plus a $19 initial work fee\u003c/td\u003e\u003ctd\u003eEverything in the Standard plan, plus:\u003cbr\u003e\u0026#8211; Monthly credit reports and scores\u003cbr\u003e\u0026#8211; Creditor interventions\u003cbr\u003e\u0026#8211; Escalated dispute\u003cbr\u003e\u0026#8211; Validation requests\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd\u003eFlat rate\u003c/td\u003e\u003ctd\u003e$599 for six months, plus a $19 initial work fee\u003c/td\u003e\u003ctd\u003eEverything in the Premium plan for a six-month flat rate\u003c/td\u003e\u003c/tr\u003e\u003c/tbody\u003e\u003c/table\u003e\u003c/figure\u003e\n\n\n\n\u003ch4 class=\"wp-block-heading\"\u003eDoes The Credit People limit the number of monthly disputes?\u003c/h4\u003e\n\n\n\n\u003cp\u003eThe Credit People gives you unlimited monthly disputes with all of its plans, which is a huge competitive differentiator. Many other companies limit disputes, especially with lower-tier plans. Unlimited disputes mean that you might see results in a shorter time frame, as the company won’t be sending a limit of only five or 10 challenges each month.\u0026nbsp;\u003c/p\u003e\n\n\n\n\u003ch4 class=\"wp-block-heading\"\u003eDoes The Credit People offer discounts?\u003c/h4\u003e\n\n\n\n\u003cp\u003eThe Credit People doesn’t offer a percentage-off discount for its plans, though you can get a reduction in price when you sign up for six months of its premium plan. Typically, its premium plan costs $119 per month, but you can get a flat rate of $599 when you sign up for six months — a total cost reduction of $115.\u003c/p\u003e\n\n\n\n\u003cp\u003eLearn more about the credit repair company in our \u003ca href=\"https://fortune.com/recommends/loans/the-credit-people-review/\"\u003efull review of The Credit People\u003c/a\u003e.\u003c/p\u003e\n\n\n\n\u003ch2 class=\"wp-block-heading\" id=\"bestforadditionalfeaturesthecreditpros\"\u003eBest for additional features: The Credit Pros\u0026nbsp;\u003c/h2\u003e\n\n\n\n\u003cp\u003eLaunched in 2009, The Credit Pros has grown to become a reputable credit repair company with over 1 million customers. It provides all the services you’d expect from a credit repair company, plus some extras.\u0026nbsp;\u003c/p\u003e\n\n\n\n\u003cp\u003eThe Credit Pros also offers clear guidance on its process, explaining how it works from start to finish.\u0026nbsp; In addition to helping clients repair their credit, The Credit Pros also offers tools to help them understand their finances and credit better. It provides a more holistic credit and budgeting solution than many competitors. The Credit Pros offers three plans, and it has no recent complaints with the CFPB.\u003c/p\u003e\n\n\n\u003cdiv class=\"product-card-inline-wrapper\"\u003e\r\n\u003cdiv class=\"card-area-1\"\u003e\r\n\u003ch3 id=\"the-credit-pros\" class=\"card-title\"\u003e\u003ca href=\"https://tracking.thecreditpros.com/aff_c?offer_id=91\u0026amp;aff_id=3722\u0026amp;promo_number=844-546-8642\u0026amp;phone_number=\u0026amp;GUID=\u0026amp;adv_sub=3785728\" rel=\"nofollow noopener noreferrer\"\u003eThe Credit Pros\u003c/a\u003e\u003c/h3\u003e\r\n\u003csection class=\"card-description\"\u003e\r\n\u003ctable\u003e\r\n\u003ctbody\u003e\r\n\u003ctr\u003e\r\n\u003ctd\u003eMinimum Monthly Cost\u003c/td\u003e\r\n\u003ctd\u003e$69.99\u003c/td\u003e\r\n\u003c/tr\u003e\r\n\u003ctr\u003e\r\n\u003ctd\u003eSetup Fee\u003c/td\u003e\r\n\u003ctd\u003e$119, $129, or $149\u003c/td\u003e\r\n\u003c/tr\u003e\r\n\u003ctr\u003e\r\n\u003ctd\u003eMoney Back Guarantee\u003c/td\u003e\r\n\u003ctd\u003eYes, 90 days\u003c/td\u003e\r\n\u003c/tr\u003e\r\n\u003c/tbody\u003e\r\n\u003c/table\u003e\r\n\u003c/section\u003e\u003c/div\u003e\r\n\u003cdiv class=\"card-image card-area-2\"\u003e\u003cimg decoding=\"async\" class=\"alignnone wp-image-3781284 size-medium\" src=\"https://fortune.com/img-assets/wp-content/uploads/2024/05/Recommends_The-Credit-Pros-logo.png\" /\u003e\u003c/div\u003e\r\n\u003cdiv class=\"card-area-3\"\u003e\r\n\r\n\u003ca class=\"button-desktop\" href=\"https://tracking.thecreditpros.com/aff_c?offer_id=91\u0026amp;aff_id=3722\u0026amp;promo_number=844-546-8642\u0026amp;phone_number=\u0026amp;GUID=\u0026amp;adv_sub=3785728\" rel=\"nofollow noopener noreferrer\"\u003eView Offer\u003c/a\u003e\r\n\u003cp class=\"cta-caption\"\u003eat The Credit Pros\u003c/p\u003e\r\n\r\n\u003c/div\u003e\r\n\u003cdiv class=\"card-area-4\"\u003e\u003csection class=\"card-accordion two-pannels\" role=\"tablist\"\u003e\r\n\u003c!-- pannel 2 --\u003e \u003cinput id=\"control0-[ID]\" role=\"tab\" checked=\"checked\"name=\"accordion-pannel-[ID]\" type=\"radio\" aria-controls=\"content0-[ID]\" /\u003e \u003clabel id=\"label0-[ID]\" tabindex=\"0\" role=\"button\" for=\"control0-[ID]\"\u003eAvailable Plans\u003c/label\u003e\r\n\u003cdiv id=\"content0-[ID]\" class=\"card-accordion-panel\" role=\"tabpanel\" aria-labelledby=\"label0-[ID]\"\u003e\r\n \t\u003cli\u003e\u003cstrong\u003eMoney Management:\u003c/strong\u003e $69 per month, plus a $119 initial work fee.\u003c/li\u003e\r\n \t\u003cli\u003e\u003cstrong\u003eProsperity:\u003c/strong\u003e $129 per month, plus a $129 initial work fee.\u003c/li\u003e\r\n \t\u003cli\u003e\u003cstrong\u003eSuccess Plus:\u003c/strong\u003e $149 per month, plus a $149 initial work fee.\u003c/li\u003e\r\n\u003c/div\u003e\r\n\u003c!-- pannel 2 --\u003e \u003cinput id=\"control1-[ID]\" role=\"tab\" name=\"accordion-pannel-[ID]\" type=\"radio\" aria-controls=\"content1-[ID]\" /\u003e \u003clabel id=\"label1-[ID]\" tabindex=\"0\" role=\"button\" for=\"control1-[ID]\"\u003eCustomer Service\u003c/label\u003e\r\n\u003cdiv id=\"content1-[ID]\" class=\"card-accordion-panel\" role=\"tabpanel\" aria-labelledby=\"label1-[ID]\"\u003e\r\nNeed to reach The Credit Pros? The Florida-based company is over the phone and email. You can also use The Credit Pros’ live chat feature on its website.\r\n\u003c/div\u003e\r\n\u003ca class=\"button-mobile\" href=\"https://tracking.thecreditpros.com/aff_c?offer_id=91\u0026amp;aff_id=3722\u0026amp;promo_number=844-546-8642\u0026amp;phone_number=\u0026amp;GUID=\u0026amp;adv_sub=3785728\" target=\"_blank\" rel=\"noopener\"\u003eView Offer\u003c/a\u003e\r\n\u003cp class=\"cta-caption\"\u003eat The Credit Pros\u003c/p\u003e\r\n\r\n\u003c/section\u003e\u003c/div\u003e\r\n\u003c/div\u003e\n\n\n\u003ch4 class=\"wp-block-heading\"\u003e\u003cstrong\u003eWhy we like The Credit Pros\u003c/strong\u003e\u0026nbsp;\u003c/h4\u003e\n\n\n\n\u003cp\u003eThose seeking additional money management features beyond credit repair might find what they’re looking for with The Credit Pros. In addition to typical credit repair services, such as dispute letters and creditor interventions, users also get access to identity monitoring, a budgeting system, bill reminders, and a credit-builder loan with the top-tier account. That said, The Credit Pros isn’t the cheapest option around, so it may not be the best choice if you’re on a tight budget and prioritizing affordability.\u0026nbsp;\u003c/p\u003e\n\n\n\n\u003cp\u003eThe Credit Pros also includes “ID Cover Darkweb Monitoring” feature in each plan, which is designed to protect clients and their data from identity theft.\u003c/p\u003e\n\n\n\n\u003cp\u003eThe Credit Pros fares pretty well with its past customers. Online reviewers rate the company 3.83 out of 5 stars on its BBB page. It also has an A+ rating with the BBB itself. However, it did receive over 25 complaints on BBB over the last 12 months. Additionally, its Trustpilot page was shut down recently because it didn’t follow the site’s guidelines. Trustpilot indicates that it “removed a number of fake reviews for this company.” This could call its reviews on other sites into question too. However, The Credit Pros adamantly rejects the notion of ever using planting inaccurate reviews, and says it has tried to reach out to TrustPilot to rectify the issue. \u003c/p\u003e\n\n\n\n\u003ch4 class=\"wp-block-heading\"\u003eThe Credit Pro’s pros and cons\u003c/h4\u003e\n\n\n\u003cp\u003e\u003cstyle\u003eN/A\u003c/style\u003e\n\u003c/p\u003e\n\u003cdiv class=\"pros_cons\"\u003e\n\u003cdiv\u003e\n\u003ch3\u003ePros\u003c/h3\u003e\n\u003cul\u003e\n\u003cli style=\"font-weight: 400;\" aria-level=\"1\"\u003e\u003cspan style=\"font-weight: 400;\"\u003eDiscount available \u003c/span\u003e\u003c/li\u003e\n\u003cli style=\"font-weight: 400;\" aria-level=\"1\"\u003e\u003cspan style=\"font-weight: 400;\"\u003eOffers 60-day satisfaction guarantee \u003c/span\u003e\u003c/li\u003e\n\u003cli style=\"font-weight: 400;\" aria-level=\"1\"\u003e\u003cspan style=\"font-weight: 400;\"\u003eOffers bill reminders for each plan\u003c/span\u003e\u003c/li\u003e\n\u003cli aria-level=\"1\"\u003e\u003cspan style=\"font-weight: 400;\"\u003eIdentity theft monitoring available in all plans\u003c/span\u003e\u003c/li\u003e\n\u003c/ul\u003e\n\u003c/div\u003e\n\u003cdiv\u003e\n\u003ch3\u003eCons\u003c/h3\u003e\n\u003cul\u003e\n\u003cli style=\"font-weight: 400;\" aria-level=\"1\"\u003e\u003cspan style=\"font-weight: 400;\"\u003ePast legal issues\u003c/span\u003e\u003c/li\u003e\n\u003cli style=\"font-weight: 400;\" aria-level=\"1\"\u003e\u003cspan style=\"font-weight: 400;\"\u003eRelatively expensive plans\u003c/span\u003e\u003c/li\u003e\n\u003c/ul\u003e\n\u003c/div\u003e\n\u003c/div\u003e\n\n\n\u003ch4 class=\"wp-block-heading\"\u003e\u003cstrong\u003eThe Credit Pros’ plan breakdowns\u003c/strong\u003e\u003c/h4\u003e\n\n\n\n\u003cp\u003eThe Credit Pros offers its client three plan options ranging from $69 to $149 per month. Unlike most other credit repair companies, The Credit Pros charge a different initial work fee depending on the plan.\u003c/p\u003e\n\n\n\n\u003cfigure class=\"wp-block-table optimized-table-widget\"\u003e\u003ctable\u003e\u003cthead\u003e\u003ctr\u003e\u003cth\u003ePlans\u003c/th\u003e\u003cth\u003ePricing\u003c/th\u003e\u003cth\u003eFeatures\u003c/th\u003e\u003c/tr\u003e\u003c/thead\u003e\u003ctbody\u003e\u003ctr\u003e\u003ctd\u003eMoney Management\u003c/td\u003e\u003ctd\u003e$69 per month, plus a $119 initial work fee\u003c/td\u003e\u003ctd\u003e\u0026#8211; Reports and scores from one credit bureau\u003cbr\u003e\u0026#8211; ID monitoring\u003cbr\u003e\u0026#8211; TransUnion credit alerts\u0026nbsp;\u003cbr\u003e\u0026#8211; Real-time account syncing\u003cbr\u003e\u0026#8211; Budgeting tool\u003cbr\u003e\u0026#8211; Bill reminders\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd\u003eProsperity\u003c/td\u003e\u003ctd\u003e$129 per month, plus a $129 initial work fee\u003c/td\u003e\u003ctd\u003eEverything in Money Management, plus:\u003cbr\u003e\u0026#8211; Disputes with the three credit bureaus\u003cbr\u003e\u0026#8211; Creditor interventions\u003cbr\u003e\u0026#8211; Cease and desist letters\u003cbr\u003e\u0026#8211; Reference letters for credit card applications\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd\u003eSuccess Plus\u003c/td\u003e\u003ctd\u003e$149 per month, plus a $149 initial work fee\u003c/td\u003e\u003ctd\u003eEverything in Prosperity, plus:\u0026nbsp;\u003cbr\u003e\u0026#8211; Reports and scores from the three credit bureaus\u003cbr\u003e\u0026#8211; Access to a credit-builder loan\u003c/td\u003e\u003c/tr\u003e\u003c/tbody\u003e\u003c/table\u003e\u003c/figure\u003e\n\n\n\n\u003ch4 class=\"wp-block-heading\"\u003eDoes The Credit Pros limit the number of monthly disputes?\u003c/h4\u003e\n\n\n\n\u003cp\u003eThe Credit Pros doesn’t limit the number of monthly disputes it sends on your behalf. Instead, it offers unlimited disputes with each of its plans. This sets it apart from certain competitors that send a relatively small number of monthly disputes.\u0026nbsp;\u003c/p\u003e\n\n\n\n\u003ch4 class=\"wp-block-heading\"\u003eDoes The Credit Pros offer discounts?\u003c/h4\u003e\n\n\n\n\u003cp\u003eThe Credit Pros is currently advertising a $100 off coupon for new customers who enroll in its plans online. While this could bring the cost of a plan down significantly, this company’s high work fees are still a significant cost.\u003c/p\u003e\n\n\n\n\u003cp\u003eLearn more in our \u003ca href=\"https://fortune.com/recommends/loans/the-credit-pros-review/\"\u003efull review on The Credit Pros\u003c/a\u003e.\u003c/p\u003e\n\n\n\n\u003ch2 class=\"wp-block-heading\" id=\"most-affordable-credit-firm\"\u003eMost affordable: Credit Firm\u003c/h2\u003e\n\n\n\n\u003cp\u003eCredit Firm has been helping consumers improve their credit scores since 1997 and was founded by attorneys who specialize in consumer credit.\u003c/p\u003e\n\n\n\u003cdiv class=\"product-card-inline-wrapper\"\u003e\r\n\u003cdiv class=\"card-area-1\"\u003e\r\n\u003ch3 id=\"credit-firm\" class=\"card-title\"\u003e\u003ca href=\"https://secure.money.com/pr/u757688c05d6?s1=3785728\" rel=\"nofollow noopener noreferrer\"\u003eCredit Firm\u003c/a\u003e\u003c/h3\u003e\r\n\u003csection class=\"card-description\"\u003e\r\n\u003ctable\u003e\r\n\u003ctbody\u003e\r\n\u003ctr\u003e\r\n\u003ctd\u003eMinimum Monthly Cost\u003c/td\u003e\r\n\u003ctd\u003e$49.99\u003c/td\u003e\r\n\u003c/tr\u003e\r\n\u003ctr\u003e\r\n\u003ctd\u003eSetup Fee\u003c/td\u003e\r\n\u003ctd\u003e$0\u003c/td\u003e\r\n\u003c/tr\u003e\r\n\u003ctr\u003e\r\n\u003ctd\u003eMoney Back Guarantee\u003c/td\u003e\r\n\u003ctd\u003eNo\u003c/td\u003e\r\n\u003c/tr\u003e\r\n\u003c/tbody\u003e\r\n\u003c/table\u003e\r\n\u003c/section\u003e\u003c/div\u003e\r\n\u003cdiv class=\"card-image card-area-2\"\u003e\u003cimg decoding=\"async\" class=\"alignnone wp-image-3781284 size-medium\" src=\"https://fortune.com/img-assets/wp-content/uploads/2024/05/Recommends_Credit-Firm-logo.png\" /\u003e\u003c/div\u003e\r\n\u003cdiv class=\"card-area-3\"\u003e\r\n\r\n\u003ca class=\"button-desktop\" href=\"https://secure.money.com/pr/u757688c05d6?s1=3785728\" target=\"_blank\" rel=\"noopener nofollow\"\u003eView offer\u003c/a\u003e\r\n\u003cp class=\"cta-caption\"\u003eat Credit Firm\u003c/p\u003e\r\n\r\n\u003c/div\u003e\r\n\u003cdiv class=\"card-area-4\"\u003e\u003csection class=\"card-accordion two-pannels\" role=\"tablist\"\u003e\r\n\u003c!-- pannel 1 --\u003e \u003cinput id=\"control0-[ID]\" role=\"tab\" checked=\"checked\"name=\"accordion-pannel-[ID]\" type=\"radio\" aria-controls=\"content0-[ID]\" /\u003e \u003clabel id=\"label0-[ID]\" tabindex=\"0\" role=\"button\" for=\"control0-[ID]\"\u003eAvailable Plans\u003c/label\u003e\r\n\u003cdiv id=\"content0-[ID]\" class=\"card-accordion-panel\" role=\"tabpanel\" aria-labelledby=\"label0-[ID]\"\u003e\r\n \t\u003cli\u003e\u003cstrong\u003eIndividual Plan:\u003c/strong\u003e $49.99 per month with $0 set up fee.\u003c/li\u003e\r\n \t\u003cli\u003e\u003cstrong\u003eCouples Plan:\u003c/strong\u003e $89.99 per month with $0 set up fee.\u003c/li\u003e\r\n\u003c/div\u003e\r\n\u003c!-- pannel 2 --\u003e \u003cinput id=\"control1-[ID]\" role=\"tab\" name=\"accordion-pannel-[ID]\" type=\"radio\" aria-controls=\"content1-[ID]\" /\u003e \u003clabel id=\"label1-[ID]\" tabindex=\"0\" role=\"button\" for=\"control1-[ID]\"\u003eCustomer Service\u003c/label\u003e\r\n\u003cdiv id=\"content1-[ID]\" class=\"card-accordion-panel\" role=\"tabpanel\" aria-labelledby=\"label1-[ID]\"\u003e\r\nNeed to reach Credit Firm? According to its website, the Illinois-based company is available 24/7 every day of the year. Credit Firm is available over the phone, fax, email, or by using the contact form on its website.\r\n\u003c/div\u003e\r\n\u003ca class=\"button-mobile\" href=\"https://secure.money.com/pr/u757688c05d6?s1=3785728\" target=\"_blank\" rel=\"noopener nofollow\"\u003eView offer\u003c/a\u003e\r\n\u003cp class=\"cta-caption\"\u003eat Credit Firm\u003c/p\u003e\r\n\r\n\u003c/section\u003e\u003c/div\u003e\r\n\u003c/div\u003e\n\n\n\u003ch4 class=\"wp-block-heading\"\u003e\u003cstrong\u003eWhy we like Credit Firm as most affordable credit repair company\u003c/strong\u003e\u0026nbsp;\u003c/h4\u003e\n\n\n\n\u003cp\u003eWhile no credit repair company can truly guarantee results within a specified time frame, Credit Firm says consumers may see results within 30 to 45 days (but should allow for 90 days for more meaningful changes). With its relatively quick average time to see results, couples discount, and unlimited services, Credit Firm can be a great choice for couples looking to get a loan or lower interest rates within a few months. Additionally, the company does not charge a setup fee as many of its competitors do; consumers only pay the $49.99 monthly fee (or $89.99 for couples).\u003c/p\u003e\n\n\n\n\u003cp\u003eCredit Firm has a 3.3 out of 5-star rating on Trustpilot. While 71% of Trustpilot reviewers rate it 4 or 5 stars, indicating they’re satisfied with their results, 20% give it one star. Negative reviewers expressed dissatisfaction with their results, with several mentioning they saw no improvement in their credit scores.\u003c/p\u003e\n\n\n\n\u003ch4 class=\"wp-block-heading\"\u003eCredit Firm’s pros and cons\u003c/h4\u003e\n\n\n\u003cp\u003e\u003cstyle\u003eN/A\u003c/style\u003e\n\u003c/p\u003e\n\u003cdiv class=\"pros_cons\"\u003e\n\u003cdiv\u003e\n\u003ch3\u003ePros\u003c/h3\u003e\n\u003cul\u003e\n\u003cli style=\"font-weight: 400;\" aria-level=\"1\"\u003e\u003cspan style=\"font-weight: 400;\"\u003eFairly affordable plans \u003c/span\u003e\u003c/li\u003e\n\u003cli style=\"font-weight: 400;\" aria-level=\"1\"\u003e\u003cspan style=\"font-weight: 400;\"\u003eCouples discount available \u003c/span\u003e\u003c/li\u003e\n\u003cli style=\"font-weight: 400;\" aria-level=\"1\"\u003e\u003cspan style=\"font-weight: 400;\"\u003eOffers unlimited disputes\u003c/span\u003e\u003c/li\u003e\n\u003c/ul\u003e\n\u003c/div\u003e\n\u003cdiv\u003e\n\u003ch3\u003eCons\u003c/h3\u003e\n\u003cul\u003e\n\u003cli style=\"font-weight: 400;\" aria-level=\"1\"\u003e\u003cspan style=\"font-weight: 400;\"\u003eNo money-back guarantee\u003c/span\u003e\u003c/li\u003e\n\u003cli style=\"font-weight: 400;\" aria-level=\"1\"\u003e\u003cspan style=\"font-weight: 400;\"\u003eDoesn’t offer credit monitoring\u003c/span\u003e\u003c/li\u003e\n\u003cli style=\"font-weight: 400;\" aria-level=\"1\"\u003e\u003cspan style=\"font-weight: 400;\"\u003eMixed customer reviews\u003c/span\u003e\u003c/li\u003e\n\u003c/ul\u003e\n\u003c/div\u003e\n\u003c/div\u003e\n\n\n\u003ch4 class=\"wp-block-heading\"\u003e\u003cstrong\u003eCredit Firm’s plans breakdown\u003c/strong\u003e\u003c/h4\u003e\n\n\n\n\u003cp\u003eWhile Credit Firm does not offer tiered plans as some of its competitors do, it does offer two plans — one for individuals, and the other for couples. Both plans provide the same credit services including unlimited credit bureau and inquiry challenges.\u003c/p\u003e\n\n\n\n\u003cfigure class=\"wp-block-table optimized-table-widget\"\u003e\u003ctable\u003e\u003cthead\u003e\u003ctr\u003e\u003cth\u003ePlans\u003c/th\u003e\u003cth\u003ePricing\u003c/th\u003e\u003cth\u003eFeatures\u003c/th\u003e\u003c/tr\u003e\u003c/thead\u003e\u003ctbody\u003e\u003ctr\u003e\u003ctd\u003eStandard\u003c/td\u003e\u003ctd\u003e$49.99 per month with $0 set up fee\u003c/td\u003e\u003ctd\u003e\u0026#8211; Unlimited credit bureau challenges\u003cbr\u003e\u0026#8211; Unlimited Inquiry challenges\u003cbr\u003e\u0026#8211; Name variance challenges\u003cbr\u003e\u0026#8211; Address variance challenges\u003cbr\u003e\u0026#8211; Goodwill interventions\u003cbr\u003e\u0026#8211; Escalated info requests\u003cbr\u003e\u0026#8211; Debt validation\u003cbr\u003e\u0026#8211; Cease and desist requests\u003cbr\u003e\u0026#8211; Method of verification requests\u003cbr\u003e\u0026#8211; Section 609 requests\u003cbr\u003e\u0026#8211; CFPB investigations\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd\u003ePremium\u003c/td\u003e\u003ctd\u003e$89.99 per month with $0 set up fee\u003c/td\u003e\u003ctd\u003eEverything in the Individual Plan, but for you and your spouse\u003c/td\u003e\u003c/tr\u003e\u003c/tbody\u003e\u003c/table\u003e\u003c/figure\u003e\n\n\n\n\u003ch4 class=\"wp-block-heading\"\u003eDoes Credit Firm limit the number of monthly disputes?\u003c/h4\u003e\n\n\n\n\u003cp\u003eCredit Firm is unlike some competitors in that it customizes your total disputes based on your needs. The company indicates it typically disputes 5-7 accounts for each credit bureau monthly, but it can dispute as many as you’d like. The fact that it offers as many disputes as you need sets it apart from other credit repair companies offering lower monthly limits.\u0026nbsp;\u003c/p\u003e\n\n\n\n\u003ch4 class=\"wp-block-heading\"\u003eDoes Credit Firm offer discounts?\u003c/h4\u003e\n\n\n\n\u003cp\u003eCredit Firm doesn’t offer a percentage-off discount for new customers, although it provides some cost savings for couples. Instead of paying a monthly fee of $49.99 each, couples pay one monthly fee of $89.99. That’s a total cost savings of around $10 per month.\u003c/p\u003e\n\n\n\n\u003cp\u003eLearn more in our \u003ca href=\"https://fortune.com/recommends/loans/credit-firm-review/\"\u003efull review of Credit Firm\u003c/a\u003e.\u003c/p\u003e\n\n\n\n\u003ch2 class=\"wp-block-heading\"\u003eUnderstanding your credit score\u003c/h2\u003e\n\n\n\n\u003cp\u003eThere are a number of factors that contribute to your overall credit score. Some of the main ones are:\u003c/p\u003e\n\n\n\n\u003cul\u003e\n\u003cli\u003e\u003cstrong\u003ePayment history\u003c/strong\u003e: late payments will ding your score\u003c/li\u003e\n\n\n\n\u003cli\u003e\u003cstrong\u003eAmount of debt\u003c/strong\u003e: it is recommended to keep your debt below 30% of your overall credit\u003c/li\u003e\n\n\n\n\u003cli\u003e\u003cstrong\u003eLength of credit\u003c/strong\u003e: the longer you have credit cards open, the better\u003c/li\u003e\n\n\n\n\u003cli\u003e\u003cstrong\u003eAmount of new credit\u003c/strong\u003e: the credit bureaus don\u0026#8217;t like to see a lot of new credit inquiries within a short period of time\u003c/li\u003e\n\n\n\n\u003cli\u003e\u003cstrong\u003eCredit mix\u003c/strong\u003e: the credit bureaus prefer to see a mix of various types of credits such as credit cards, store cards, car loans, and mortgages.\u003c/li\u003e\n\u003c/ul\u003e\n\n\n\n\u003ch2 class=\"wp-block-heading\" id=\"what-to-know\"\u003e\u003cstrong\u003eWhat to know about credit repair companies\u003c/strong\u003e\u0026nbsp;\u003c/h2\u003e\n\n\n\n\u003cp\u003eThere’s not one specific menu of services or pricing model for credit repair companies. Instead, you’ll find that each offers different features, and while many companies charge a monthly fee, this isn’t true in all cases. For this reason, it’s essential to compare companies to find the best credit repair service for your situation.\u0026nbsp;\u003c/p\u003e\n\n\n\n\u003cp\u003eAlternatively, you can also do most of what credit repair companies do independently. If you notice inaccuracies or incomplete information on your credit report, it’s possible to contact the three major credit bureaus or your creditors directly to resolve the issue. But for those with significant credit issues, working with a credit repair service could save you time and potential headaches.\u0026nbsp;\u003c/p\u003e\n\n\n\n\u003ch2 class=\"wp-block-heading\" id=\"how-to-choose\"\u003e\u003cstrong\u003eHow to choose a credit repair company\u003c/strong\u003e\u003c/h2\u003e\n\n\n\n\u003cp\u003eIf a credit repair company sounds right for your situation, here’s what to compare as you research companies.\u0026nbsp;\u003c/p\u003e\n\n\n\n\u003cul\u003e\n\u003cli\u003e\u003cstrong\u003eTransparency\u003c/strong\u003e: Reputable companies will be upfront and clear about their pricing and services offered. Seek out companies that provide detailed information on their websites, and steer clear of those that aren’t transparent about their offerings.\u0026nbsp;\u003c/li\u003e\n\n\n\n\u003cli\u003e\u003cstrong\u003eServices and features\u003c/strong\u003e: As mentioned, different companies offer varying services, including free initial consultations, dispute letters, credit repair, credit education, and access to credit reports among other services. Find one with services that best suit your situation.\u0026nbsp;\u003c/li\u003e\n\n\n\n\u003cli\u003e\u003cstrong\u003ePricing\u003c/strong\u003e: Pricing models also vary, often depending on the level of service you require. Look into pricing to find a plan that meets your needs and budget.\u0026nbsp;\u003c/li\u003e\n\n\n\n\u003cli\u003e\u003cstrong\u003eCustomer service\u003c/strong\u003e: You’ll want to compare each credit repair company’s customer service channels to ensure you can reach a representative if needed.\u003c/li\u003e\n\n\n\n\u003cli\u003e\u003cstrong\u003eCompany reputation\u003c/strong\u003e: Review company websites and history, and look at company profiles on sites like the Consumer Financial Protection Bureau’s compliant database, Trustpilot, the Better Business Bureau, and other consumer review sites. Doing so will provide some insight into whether a company is reputable and trustworthy.\u0026nbsp;\u003c/li\u003e\n\n\n\n\u003cli\u003e\u003cstrong\u003eCancellation policy\u003c/strong\u003e: Some credit repair services offer more flexible cancellation policies than others, and policy information is often available on company websites. Read over cancellation policies and look into any guarantees companies may offer. For instance, some provide a 90-day money-back guarantee if you don’t see inaccuracies removed from your credit reports.\u0026nbsp;\u003c/li\u003e\n\u003c/ul\u003e\n\n\n\n\u003ch2 class=\"wp-block-heading\" id=\"legal\"\u003eCredit repair legal controversies\u003c/h2\u003e\n\n\n\n\u003cp\u003eThe credit repair industry, as a whole, has a checkered reputation. They are sometimes viewed as predatory because the services they provide can be done by any individual with credit report inaccuracies. Some consumers with complaints were validated when Lexington Law and Creditrepair.com entered into a $2.7 billion settlement agreement with CFPB in 2023. The CFPB accused the two companies of taking illegal advance fees from their clients through telemarketing, which violates federal law.\u003c/p\u003e\n\n\n\n\u003cp\u003eWhen considering hiring a credit repair company to assist in disputing inaccuracies in your report, be sure that the company is being transparent and upfront with their fees, which should be displayed clearly on their website.\u003c/p\u003e\n\n\n\n\u003ch2 class=\"wp-block-heading\" id=\"identity-theft\"\u003e\u003cstrong\u003eHow identity theft can impact your credit\u003c/strong\u003e\u003c/h2\u003e\n\n\n\n\u003cp\u003eYour identity, and the data that represents you, is what allows you to take out loans, credit cards, and set up other forms of accounts. When your identity is used by others to make purchases on your name, it can severely impact you financially. Your credit will also suffer if those charges are not addressed. Identity theft is one of the main drivers that unexpectedly impacts credit. Some credit repair companies, like The Credit Pros, have features in their plan to proactively monitor potential identity theft concerns.\u003c/p\u003e\n\n\n\n\u003ch2 class=\"wp-block-heading\" id=\"methodology\"\u003e\u003cstrong\u003eOur methodology\u003c/strong\u003e\u0026nbsp;\u003c/h2\u003e\n\n\n\n\u003cp\u003eTo develop our list of the best credit repair companies, we researched and analyzed over a dozen companies in the market. In our analysis, we considered factors like transparency, pricing, services provided, and company reputation. We also weighed other things like overall customer experience, customer satisfaction, and whether companies had any recent regulatory action taken against them.\u003c/p\u003e\n\n\n\n\u003cfigure class=\"wp-block-embed is-type-rich is-provider-datawrapper wp-block-embed-datawrapper\"\u003e\u003cdiv class=\"wp-block-embed__wrapper\"\u003e\n\u003ciframe title=\"Best credit repair companies: Our methodology\" aria-label=\"pies-title\" id=\"datawrapper-chart-tO7Ar\" src=\"https://datawrapper.dwcdn.net/tO7Ar/1/\" scrolling=\"no\" frameborder=\"0\" style=\"width: 0; min-width: 100% !important; border: none;\" height=\"485\" data-external=\"1\"\u003e\u003c/iframe\u003e\u003cscript type=\"text/javascript\"\u003e!function(){\"use strict\";window.addEventListener(\"message\",(function(a){if(void 0!==a.data[\"datawrapper-height\"]){var e=document.querySelectorAll(\"iframe\");for(var t in a.data[\"datawrapper-height\"])for(var r=0;r\u003ce.length;r++)if(e[r].contentWindow===a.source){var i=a.data[\"datawrapper-height\"][t]+\"px\";e[r].style.height=i}}}))}();\u003c/script\u003e\n\u003c/div\u003e\u003c/figure\u003e\n\n\n\n\u003cp\u003e\u003cstrong\u003eAverage time to see results (53%)\u003c/strong\u003e - When it comes to repairing credit, time is money. The sooner your credit score improves, the sooner you can get better rates on loans and credit cards.\u003c/p\u003e\n\n\n\n\u003cp\u003e\u003cstrong\u003eConsumer Reviews (22%)\u003c/strong\u003e - What actual consumers have to say about their experience with a credit repair agency was taken into account. We looked at a number of consumer review sites — like TrustPilot and Google Reviews — to compile the score. \u003c/p\u003e\n\n\n\n\u003cp\u003e\u003cstrong\u003eCosts (15%)\u003c/strong\u003e - Many credit repair companies have developed a poor reputation of charging high fees while delivering little-to-no results. We ranked them based on fees including monthly rates, setup fees, money back guarantees, and available discounts.\u003c/p\u003e\n\n\n\n\u003cp\u003e\u003cstrong\u003eRatings (10%)\u003c/strong\u003e - We ranked each company based on how well they are rated by Better Business Bureau and other independent rating agencies.\u003c/p\u003e\n\n\n\n\u003ch2 class=\"wp-block-heading\" id=\"faq\"\u003eFrequently asked questions\u003c/h2\u003e\n\n\n\n\u003cdetails class=\"wp-block-details is-layout-flow wp-block-details-is-layout-flow\"\u003e\u003csummary\u003eWhat’s the best credit repair company?\u003c/summary\u003e\n\u003cp\u003eThe best credit repair company for you will depend on your needs and budget. Each company offers an array of different services and pricing models, so comparing options can help you find a company that suits your situation. Some top companies include Credit Saint, The Credit People, The Credit Pros, Sky Blue, and Lexington Law.\u003c/p\u003e\n\u003c/details\u003e\n\n\n\n\u003cdetails class=\"wp-block-details is-layout-flow wp-block-details-is-layout-flow\"\u003e\u003csummary\u003eHow much does cost to repair credit?\u003c/summary\u003e\n\u003cp\u003eThe fees credit repair companies charge to help you fix inaccuracies in your credit report typically include an initial setup fee and a monthly fee. The range for setup fees are between $0 and $149; and the range for monthly are between $49 to $200 per month.\u003c/p\u003e\n\u003c/details\u003e\n\n\n\n\u003cdetails class=\"wp-block-details is-layout-flow wp-block-details-is-layout-flow\"\u003e\u003csummary\u003eWhat is the best possible credit score? \u003c/summary\u003e\n\u003cp\u003eOlder credit score models used to go as high as 900, but that’s not the case anymore. The highest possible credit score one can achieve is capped at 850, which only less than 2% of Americans have.\u003c/p\u003e\n\u003c/details\u003e\n\n\n\n\u003cdetails class=\"wp-block-details is-layout-flow wp-block-details-is-layout-flow\"\u003e\u003csummary\u003eCan you really pay someone to fix your credit?\u003c/summary\u003e\n\u003cp\u003eYes, it’s possible to pay a credit repair company to help dispute inaccurate or incomplete information on your credit reports. Getting this information removed could help improve your credit. That said, credit repair companies don’t guarantee they’ll fix your credit.\u003c/p\u003e\n\u003c/details\u003e\n\n\n\n\u003cdetails class=\"wp-block-details is-layout-flow wp-block-details-is-layout-flow\"\u003e\u003csummary\u003eWhat’s the fastest way to fix your credit?\u0026nbsp;\u003c/summary\u003e\n\u003cp\u003eSeveral actions could help you fix your credit, including contacting the credit bureaus to get inaccurate or incomplete information removed from your credit reports, \u003ca href=\"https://fortune.com/recommends/loans/best-debt-relief-companies/\"\u003epaying down credit card debt\u003c/a\u003e, making on-time payments, increasing your credit limits, and limiting the number of new accounts you open.\u003c/p\u003e\n\u003c/details\u003e\n\n\n\n\u003cdetails class=\"wp-block-details is-layout-flow wp-block-details-is-layout-flow\"\u003e\u003csummary\u003eHow long does it take to repair credit?\u003c/summary\u003e\n\u003cp\u003eThe three credit agencies — Equifax, Experian, and TransUnion — typically evaluate credit on a monthly basis. They monitor factors that include debt and late payments. Reducing debt presents the quickest path to improving your credit where you may see results in less than two months. Seeing results after removing inaccuracies will take about three to six months.\u003c/p\u003e\n\u003c/details\u003e\n\n\n\n\u003cdetails class=\"wp-block-details is-layout-flow wp-block-details-is-layout-flow\"\u003e\u003csummary\u003eWhat is a bad credit score?\u003c/summary\u003e\n\u003cp\u003eBad credit, or subprime credit, is typically anything below 580. The lower your credit score, the harder it will be to secure a lower interest-rate loan or credit card. A high credit score can help unlock the best available \u003ca href=\"https://fortune.com/recommends/loans/best-personal-loans/\"\u003eloans\u003c/a\u003e, \u003ca href=\"https://fortune.com/recommends/credit-cards/best-credit-cards/\"\u003ecredit cards\u003c/a\u003e, and other financial products.\u003c/p\u003e\n\u003c/details\u003e\n\n\n\r\n\u003cdiv class=\"wp-block-group pro-tip-box-widget\"\u003e\u003cdiv class=\"wp-block-group__inner-container is-layout-constrained wp-block-group-is-layout-constrained\"\u003e\r\n\u003ch3 class=\"wp-block-heading pro-tip-box-heading\"\u003eRead more\u003c/h3\u003e\r\n\r\n\r\n\r\n\u003cli\u003eMake a budget and fix your finances by downloading one of the \u003ca href=\"https://fortune.com/recommends/banking/best-budgeting-apps/\"\u003ebest budgeting apps\u003c/a\u003e.\u003c/li\u003e\r\n\u003cli\u003eIf you need cash in a jiffy, check out our ranking of the \u003ca href=\"https://fortune.com/recommends/banking/cash-advance-apps/\"\u003ebest cash advance apps\u003c/a\u003e.\u003c/li\u003e\r\n\u003cli\u003eSelecting one of the \u003ca href=\"https://fortune.com/recommends/banking/best-free-checking-accounts/\"\u003ebest free checking accounts\u003c/a\u003e means you’ll never pay annual fees for checking.\u003c/li\u003e\r\n\u003cli\u003eDownloading one of the \u003ca href=\"https://fortune.com/recommends/investing/best-investment-apps/\"\u003ebest investment apps\u003c/a\u003e lets you manage your investments when you’re on the go.\u003c/li\u003e\r\n\u003c/div\u003e\u003c/div\u003e\u003c/div\u003e","databaseId":3785728,"dateGmt":"2024-03-27T16:54:57","dek":"","description":"Credit repair companies can assist in removing inaccuracies in your reports. These are the best based on their reputation and time to see results.","faq":[{"answer":"The best credit repair company for you will depend on your needs and budget. Each company offers an array of different services and pricing models, so comparing options can help you find a company that suits your situation. Some top companies include Credit Saint, The Credit People, The Credit Pros, Sky Blue, and Lexington Law.","question":"What’s the best credit repair company?","__typename":"FaqField"},{"answer":"Yes, it’s possible to pay a credit repair company to help dispute inaccurate or incomplete information on your credit reports. Getting this information removed could help improve your credit. That said, credit repair companies don’t guarantee they’ll fix your credit.","question":"Can you really pay someone to fix your credit?","__typename":"FaqField"},{"answer":"Several actions could help you fix your credit, including contacting the credit bureaus to get inaccurate or incomplete information removed from your credit reports, paying down credit card debt, making on-time payments, increasing your credit limits, and limiting the number of new accounts you open.","question":"What’s the fastest way to fix your credit?","__typename":"FaqField"},{"answer":"The three credit agencies — Equifax, Experian, and TransUnion — typically evaluate credit on a monthly basis. They monitor factors that include debt and late payments. Reducing debt presents the quickest path to improving your credit where you may see results in less than two months. Seeing results after removing inaccuracies will take about three to six months.","question":"How long does it take to repair credit?","__typename":"FaqField"},{"answer":"Bad credit, or subprime credit, is typically anything below 580. The lower your credit score, the harder it will be to secure a lower interest-rate loan or credit card. A high credit score can help unlock the best available loans, credit cards, and other financial products.","question":"What is a bad credit score?","__typename":"FaqField"},{"answer":"Older credit score models used to go as high as 900, but that's not the case anymore. The highest possible credit score one can achieve is capped at 850, which only less than 2% of Americans have.","question":"What is the best possible credit score?","__typename":"FaqField"}],"featuredMediaType":"image","floatingNavContent":"\u003cul\u003e\n\u003cli\u003e\u003ca href=\"#best\"\u003eBest credit repair companies\u003c/a\u003e\n\u003col\u003e\n\u003cli\u003e\u003ca href=\"#bestoverall-creditsaint\"\u003eBest overall: Credit Saint\u003c/a\u003e\u003c/li\u003e\n\u003cli\u003e\u003ca href=\"#skybluecredit\"\u003eBest for couples: Sky Blue Credit\u003c/a\u003e\u003c/li\u003e\n\u003cli\u003e\u003ca href=\"#thecreditpeople\"\u003eBest for low initial work fees: The Credit People\u003c/a\u003e\u003c/li\u003e\n\u003cli\u003e\u003ca href=\"#bestforadditionalfeaturesthecreditpros\"\u003eBest for additional features: The Credit Pros\u003c/a\u003e\u003c/li\u003e\n\u003cli\u003e\u003ca href=\"#most-affordable-credit-firm\"\u003eMost affordable: Credit Firm\u003c/a\u003e\u003c/li\u003e\n\u003c/ol\u003e\n\u003c/li\u003e\n\u003cli\u003e\u003ca href=\"#top-picks\"\u003eOur top picks for credit repair companies\u003c/a\u003e\u003c/li\u003e\n\u003cli\u003e\u003ca href=\"#what-to-know\"\u003eWhat to know about credit repair companies\u003c/a\u003e\u003c/li\u003e\n\u003cli\u003e\u003ca href=\"#how-to-choose\"\u003eHow to choose a credit repair company\u003c/a\u003e\u003c/li\u003e\n\u003cli\u003e\u003ca href=\"#legal\"\u003eCredit repair legal controversies\u003c/a\u003e\u003c/li\u003e\n\u003cli\u003e\u003ca href=\"#identity-theft\"\u003eHow identity theft can impact your credit\u003c/a\u003e\u003c/li\u003e\n\u003cli\u003e\u003ca href=\"#methodology\"\u003eOur methodology\u003c/a\u003e\u003c/li\u003e\n\u003cli\u003e\u003ca href=\"#faq\"\u003eFrequently asked questions\u003c/a\u003e\u003c/li\u003e\n\u003c/ul\u003e\n","floatingNavTitle":"On this page","footnotes":null,"id":"cG9zdDozNzg1NzI4","image":"https://fortune.com/img-assets/wp-content/uploads/2024/02/credit-repair-getty-e1711547050845.jpg?resize=1200,600","imageCaption":"If you have low scores on your credit report, credit repair companies may be able to help.","imageCredit":"Getty Images","keywords":"","link":"https://fortune.com/recommends/loans/best-credit-repair-companies/","metaTitle":"5 best credit repair companies—and what they do well","modifiedGmt":"2024-11-14T12:31:33","pageType":"evergreen","platformCD":"recommends","postId":3785728,"postSettings":{"postSettingsDek":null,"enableSubscriptionPlea":true,"subscriptionPleaDesign":"with-bottom-border","subscriptionPleaPosition":null,"subscriptionPleaTextLined":"\u003cp class=\"p1\"\u003eFollow Fortune Recommends on \u003ca href=\"https://www.facebook.com/fortunerecommends\"\u003eFacebook\u003c/a\u003e and \u003ca 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desk.","mediaItemUrl":"https://fortune.com/img-assets/wp-content/uploads/2024/02/credit-repair-getty-e1711547050845.jpg"},"__typename":"Settings"},"premiumCategory":{"name":"F-Search","premiumCategoryId":447850669,"link":"https://fortune.com/?taxonomy=premium_categories\u0026term=f-search-free","__typename":"BrandedArticlePremiumCategoryFieldsFields"},"primaryPostTag":{"name":"Debt","primaryTagId":22790,"link":"https://fortune.com/tag/debt/","uri":"/tag/debt/","__typename":"BrandedArticlePrimaryPostTagIdFieldsFields"},"primarySection":{"name":"Loans","primarySectionId":447860483,"link":"https://fortune.com/recommends/loans/","uri":"/recommends/loans/","__typename":"BrandedArticlePrimarySectionIdFieldsFields"},"primaryTopic":{"name":"","primaryTopicId":-1},"relatedVideoId":"","relatedVideoType":"no_video","reviewedBy":{"funFactHeader":"","funFactValue":"","image":"https://fortune.com/img-assets/wp-content/uploads/2024/02/ehab-headshot.jpeg?w=150","name":"Ehab Zahriyeh","role":"Senior Editor, Personal Finance","shortIntro":"","social":{"instaUrl":"","linkedinUrl":"https://www.linkedin.com/in/ehabz/","twitterUrl":"","__typename":"ReviewerSocialUrlsFields"},"uri":"/author/ehabzahriyeh/"},"sectionNames":["Loans"],"sections":[{"name":"Loans","sectionId":447860483,"slug":"loans","__typename":"BrandedArticleClassificationSectionFieldsFields"}],"series":[],"showModifiedTimestamp":1,"socialDescription":"","socialTitle":"5 best credit repair companies—and what they do well","stickyCta":null,"tagNames":["Consumer Credit","consumer debt","credit","credit card debt","Debt","Editor's Picks","no copyright","Rankings and Roundups"],"tags":[{"name":"Consumer Credit","tagId":548066,"__typename":"BrandedArticleClassificationTagFieldsFields"},{"name":"consumer debt","tagId":571893,"__typename":"BrandedArticleClassificationTagFieldsFields"},{"name":"credit","tagId":447824463,"__typename":"BrandedArticleClassificationTagFieldsFields"},{"name":"credit card 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Ullrich"],"categoryCG":"loans","cmsCategoryCD":"evergreen","CMSSubCategoryCD":["Consumer Credit","consumer debt","credit","credit card debt","Debt","Editor's Picks","no copyright","Rankings and Roundups"],"contentCMSID":3785728,"HasVideoCD":false,"premiumCategoryCD":"F-Search","publishDateCD":"March 27, 2024","subCategoryCG":["Loans"],"articleCategoryCD":"loans"},"headData":{"authors":"","canonicalUrl":null,"databaseId":"3785728","dateGmt":"2024-03-27T16:54:57","description":"Credit repair companies can assist in removing inaccuracies in your reports. These are the best based on their reputation and time to see results.","faqSchema":"{\"@context\":\"https://schema.org\",\"@type\":\"FAQPage\",\"mainEntity\":[{\"@type\":\"Question\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"The best credit repair company for you will depend on your needs and budget. Each company offers an array of different services and pricing models, so comparing options can help you find a company that suits your situation. Some top companies include Credit Saint, The Credit People, The Credit Pros, Sky Blue, and Lexington Law.\"},\"name\":\"What’s the best credit repair company?\"},{\"@type\":\"Question\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Yes, it’s possible to pay a credit repair company to help dispute inaccurate or incomplete information on your credit reports. Getting this information removed could help improve your credit. 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