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7 Best Credit Repair Companies and Services to Use in 2021

You are probably aware of how it nearly affects almost every aspect of your life regarding your credit score.

As much as a good credit score boosts your prospects, a bad credit score could prevent you from great opportunities that lie ahead of you- sometimes, even from getting a job. The lower the credit score, the higher the amount of money that one needs to put in insurance, mortgages, loan payments, and other things.

Luckily, there are ways to overcome this crisis and fix your bad credit score. Every year, numerous people look for and avail of these credit repair services to improve their overall credit score. It’s almost heartening to know that a good credit repair service can help you to improve your credit score by at least hundreds of points.

Each Credit Repair Service Today Claims to Fix Your Bad Credit Score

While many credit repair companies offer credit repair services, not every credit repair agency lives up to the expectation of providing the best credit fixing services. But companies genuinely help you to improve your bad credit score by offering credit improvement services for a competitive fee.

But how to know which are the best credit repair services in 2021? If you are looking to get your Credit fixed, which credit repair company should you use? Worry not, as we have covered you, we researched and did a comparative analysis to develop the best credit repair services. Here’s a list:

7 Best Credit Repair Companies and Services in 2021

After researching and analyzing multiple and top-rated credit repair companies, we ranked the very best options available today for online credit repair, assuming you’re reluctant to find the best match to improve your credit score. Following are our rankings to find the best credit repair services that are available today:

  • Sky Blue Credit
  • Credit Saint
  • Lexington Law
  • TransUnion
  • Credit Sesame
  • Credit Karma

Other great credit repair services to consider using if none of the top 7 best credit repair companies are liking your interest:

  • The Credit Watcher
  • Credit Monkey
  • MyFICO
  • CuraDebt
  • FreeScore360
  • The Credit People
  • Leap Credit

Here, let’s straight off dive into the top credit score repair companies that may be able to help you fix your credit score:

Sky Blue Credit


Sky Blue Credit, a credit repair company that has been in effect since 1989, puts people first at the core of everything they do. This credit fixing company provides the most intuitive credit score repair technology priced at just $79 per month, including a six-day trial period. All the purchases you make with the credit repair company come with a 90-day money return guarantee, which few credit repair agencies are willing to do.

Sky Blue credit has won the trust of its customers, has been in the credit score industry for a long time, and carved a name for itself in providing the best-in-class support services to achieve a good credit score. Another benefit of signing up for Sky Blue Credit’s credit repair services is that the company identifies, understands, and delivers credit fixing services to resolve issues that most credit service providers would often ignore.

Among other essential perks that the credit repair company provides is a professional analysis of your credit score, rapid dispute resolution (about 15 items for every 35 days), state law research for every debt collection affair, along with other perks. Sky-Blue Credit is one of the highest-ranked credit score repair companies on this list, with proven, actionable improvements in the credit score.

Credit Saint


Credit Saint is another credit restoration company on our list that is based out of New Jersey and is Ranked #1 in identifying and challenging flawed credit data. The best part about this company is that it offers a free consultation service upfront to understand your problems better and communicate how they can help your credit repair journey.

Credit Saint is one of the few companies on our list that provides a 90-day money-back guarantee. As a user, if you are not happy with your credit scores, then you can automatically apply for a complete refund and get your money back within 90 days.

Apart from this, the credit fixing company also offers top-rated services and has received a total star rating for its private dashboard, educational materials, and the overall user-friendly experience that its team provides to its customers. Credit Saint, much like many online credit repair agencies today, makes it easy, fast, and effective for individuals to improve their overall credit score. The credit repair company also provides free credit fixing services other than its paid credit repair services, including a free credit score evaluation for those who want to enter their feet into the world of credit scores and online credit repairing.

Lexington Law


Lexington Law is another number #1 ranked and trusted credit repair firm that offers an efficient and comprehensive credit repair process with a professional law firm backing its credit repair services, enabling you to make an informed decision. You know that credit repair isn’t easy for those who have availed of credit fixing services before. It’s an arduous task that requires attention to detail, time, lots of effort, and legal expertise. Lexington Law provides you with just that by adding additional legal advice and services to know and improve your credit score.

The law firm-backed company believes that you deserve an accurate and just credit score and report, and to help you do that, it starts with research and review of your credit score. After a detailed analysis, the credit repair firm can single out the factors that negatively affect your credit score. The next step is to question and dispute every item and reach out to bureaus and your creditors to verify the negative things as potently and reasonably possible. If they are unable to verify this information, then they are asked to remove this item legally. Ultimately, Lexington Law goes through your overall credit score over time, managing and analyzing it to tackle new issues as they arise.

On our list of best online credit repair companies, Lexington Law is also one of the most experienced credit fixing agencies. The company, founded in 2004, has since facilitated over 70 million harmful removals from customer’s credit score reports. Lexington Law is the best credit repairing service available today, with nearly 20 years of experience in the credit restoration industry.


This Credit repair company believes that the credit repairing process doesn’t have to be complicated. scrutinizes your credit score thoroughly and displays what’s hurting your credit score exactly and ways to fix that. This credit fixing company provides some free perks, including a free credit score and summary, a free credit score improvement plan, and free negative item analysis. We don’t see other providers doing so often. You can purchase the complete package of’s credit repair services; once you have decided to proceed.

When it comes to the operational aspects of this credit score company, it is very similar to other top-rated companies on this list. The company looks through your credit report for any incorrect entries, then challenges bureaus and money lenders to verify the accuracy of your entries. Legally, bureaus have to remove any entries that they cannot prove. Using these steps, the credit repair company could significantly help improve your credit score.

Since 2012, the company has assisted with approximately 1.8 million removals. After starting the business, has provided over 19 million challenges and disputes. Moreover, the credit score company also sent one million+ interventions in 2019 alone. For these reasons and many others more, continues to be the top-rated credit repair company today. The company also provides flexible pricing plans for its users, including basic, moderate and aggressive, depending upon one’s requirements of further enhancing their credit score.



TransUnion is another credit repair company on our list offering credit scores, credit reports, and credit check services. The company falls under one of the three major credit bureaus in the United States, along with Experian and Equifax. Apart from offering credit repair services, TransUnion also offers credit protection services for its users. The credit restoration company tracks your credit score as a for-profit business. Also, it provides subscription services to help you track and improve your overall credit score with time.

TransUnion offers various tools that can help fix your credit score. Once you subscribe to TransUnion’s subscription services for $25 per month, you can get access to devices such as CreditCompass and Credit Lock Plus. While CreditCompass provides recommendations to steer your credit score in the right direction, Credit Lock Plus allows you to guard your TransUnion, and Equifax reports in just a few clicks, ensuring protection if your information is compromised.

Another essential benefit of buying TransUnion’s subscription is ID theft insurance. If a person has wrongfully used your information and cost you money, the company will compensate you for the theft. There are numerous free ID protection tools and other perks that TransUnion offers to help repair and manage your overall Credit.

Credit Sesame


Credit Sesame is a free credit score and credit report analysis company that helps you effectively understand and leverage your credit score. The credit repair firm is also one of the few credit businesses on our list that has a mobile application. The Credit Sesame mobile app is compatible with Android and iOS versions, making the credit repair process portable and straightforward.

The central theme of the Credit Sesame mobile app revolves around the Personal Credit Management (PCM) platform. The PCM platform makes it possible for you to view and manage all issues associated with your Credit. As a user, it allows you to access your credit score, view your credit report at any time, absolutely free of charge, and get a deeper understanding of your credit score and what it means.

One of the most striking features about Credit Sesame is that it’s completely free. While most other credit repair companies on this list will charge you to access your credit report, Credit Sesame takes the load off your shoulders and provides this service for free. The credit fixing company also offers personalized offers depending upon your Credit and lets you leverage the full power of your Credit for different opportunities. Credit Sesame initiates charges if you decide to avail of these opportunities; otherwise, the app is free to use for any person.

Credit Karma


Next on our list is Credit Karma, a free credit score and credit report company that offers other personalized tools and tips to help you reach your financial goals. Credit Karma has earned a name for itself in the top credit repair companies today. The credit restoration company offers an extensive list of credit repair services and credit-related products to choose from. Suppose you decide to join Credit Karma as a member. In such a case, you will be joining a broad community of over 10 million members who are currently using credit improvement services to grow financially.

Just like Credit Sesame, Credit Karma is free to use. The credit repair company gives you free insight into your credit score and credit report and uses that information to further present you with customized plans and offers. Credit Karma offers a variety of things which includes credit cards, loans, accounts, savings opportunities, auto financing, mortgages, among other things. You wouldn’t have to pay a fee if you decide not to avail yourself of any of these services, and the app would be free to use.

It is worth noting that often the best credit repair services are the ones that you can manage yourself. With Credit Karma, you can rest assured as it makes it easy to manage and track your credit score, thereby allowing you to be cautious with your entries to avoid penalties.

Let’s continue to see which are the other credit score repairing services to consider trying if none of the above are soothing your search.

The Credit Watcher


The Credit Watcher allows you to access three credit scores from three major credit bureaus. When using The Credit Watcher’s service, you instantly get online delivery of your three credit reports. After that, you can continue receiving your credit score and credit reports daily.

The Credit Watcher is much similar to Credit Karma and Credit Sesame in that it works best as a credit monitoring and credit reporting service. However, the company does not operate as a full-fledged credit repair company. But the company can provide you with your credit information which further enables you to track your credit improvements over some time and helps you to avoid erroneous entries.

The most significant disadvantage of this company lies in its pricing, as some may find it a bit expensive for $39.90 per month. The company also provides the same information to the free credit monitoring services mentioned above. Unlike Credit Karma and Credit Sesame, the company doesn’t provide you with a personalized offer. You may have to pay for premium service if you don’t want to risk selling your information.

Credit Monkey


Credit Monkey is another credit repair company that has made it to our list of best credit companies in 2021. Their credit repair services range from $99 to $499 per month and are available in all 50 states. According to Credit Monkey, the company provides significant improvement to your credit score by removing inaccurate entries.

As per the Credit restoration company, about 89% of credit reports today contain mistakes or grave errors. These errors can be as simple as just an inquiry or as large as bankruptcies, collections issues, late payments, all of which can significantly lower your credit score.

Credit Monkey offers a total of six different plans for its users. The more money you pay to buy their services, the higher the number of entries you can get removed from your credit report. For example, the basic $99 per month plan would remove up to five entries from your credit record. In contrast, the highest pricing plan of $499 per month would allow you to get unlimited entries removed from your credit report, including negative items, inquiries, public records, etc. With this plan, you also get five active credit cards along with a $10,000 credit line.



This company, launched back in 2001, is the official consumer division of FICO, an analytics company that monitors your credit score using data from all three credit bureaus. MyFICO offers a subscription service for an advanced plan at $29.95, while for premier service, the charges are $39.95 per month. Irrespective of which plan you choose, both subscriptions allow you to manage and track your credit score smoothly, therefore, enabling you to spot any errors or incorrect entries with ease.

MyFICO advertises its credit repair and credit monitoring services as an all-in-one solution. Instead of receiving your data from only one or two credit bureaus, you can receive your data from the three credit bureaus in one place. Your lenders are already using your FICO score, so make sure you know your FICO score and how it works. With about 90% of the lenders using FICO scores to calculate your rate, MyFICO can help you track essential metrics and improve your credit score.

Apart from getting complete three-bureau coverage, MyFICO subscription services offer you several other perks such as $1 million in identity theft protection, 24/7 identity restoration service, continuous monitoring of your credit report, credit score, and identity. The only difference between advanced and premier plans is that the Advanced plan gives you your credit score and reports updates every three months, while the premier plan provides you with credit updates every month.



CuraDebt has been providing people with Debt relief services in the United States for almost 21 years now. Today, the Debt negotiation company provides relief for medical bills, tax debt, unsecured debt, credit cards, etc.

CuraDebt also provides you with a free savings estimate to see how much money you can save before ordering anything through the company. The debt relief company has served over 200,000 clients in the past 20 years and could quickly assist you in relieving your financial burden when you need it the most. The CuraDebt team has a combined experience of over 100 years in solving tax debt issues, focusing on tax resolutions, complex resolutions, audit defense, partial payment plans, and non-collectible resolutions, among other things.

One of the best ways to boost the credit score is by reducing the debt, and a debt relief company like CuraDebt can quickly help you do just that.



FreeScore360 is a credit repair company on our list that provides its users with the credit scores from all three bureaus for a $29.95 per month subscription price. Suppose you choose to access their credit fixing services today. In that case, The company will continue to charge you the same amount of money every month for the ongoing monitoring services until you cancel the subscription.

Access to the company’s ScoreSense system is given to you when you purchase a subscription with FreeScore360, including daily credit tracing and alerts.

There is also an interactive learning center which gives you a detailed insight on your credit scores and how it works.

Overall, FreeScore360 delivers the same kind of credit monitoring and credit reporting services as mentioned above. However, it doesn’t share the reputation of other top-ranked providers despite being priced alike. The company can be the best option for checking your credit scores without worrying about the budget.

The Credit People


According to The Credit People’s estimates, on average, a person will increase their credit score by 53 to 187 points after availing of their program. This credit repair company also has strong reviews online from the Consumer Affairs and other major credit review websites. Till now, The Credit People has resolved and removed over 1.4 million credit issues for its customers. The company claims that after using its services, about 78% of its users have received approval for auto loans, 71% for home loans, and 81% for new Credit.

You can get access to all three credit reports and your credit scores, after which you can get guaranteed results in less than 60 days if you register for this credit fixing company’s services.

. Meanwhile, the company continues to take practical steps to improve your overall credit score.

Although The Credit People seems like a brand new service, their website has existed for over 15 years. The credit repair company’s services start at $19, and it is one of the top credit repair services available online today.

Leap Credit


Leap Credit has made it easier for people with all credit levels to get the money they require as quickly as possible. The application process for Leap Credit is a simple one with a fast approval process and other perks befitting people with all credit levels.

All you require is a verifiable source of income, an open checking account, and you must be a US citizen with at least 18 years of age, then you easily qualify to get a loan through Leap Credit. The credit restoration company will then deposit money into your bank account within two business days.

How we Ranked the 7 Best Credit Repair Companies and Services

Almost every credit repair company in the market today claims to have proven, reputable and verifiable methods to improve your credit score; however, not all companies can live up to that reputation of the top, best credit repair company. To identify our Best Credit Repair Companies for 2021, we used the following metrics:

Credit Score Improvement

Most people choose to avail themselves of a credit repair company because they want to improve their credit score. While analyzing the top credit repair companies, we considered the number of points a company helped improve credit score, on average. Good credit repair companies can help you to improve your credit scores by at least 100 points. Price and Value: Some people can afford to pay for expensive credit repair services. However, most people are often always on a tight budget which is why we considered the price and value they offer in exchange for money while compiling this list of best credit repair companies.

Transparency and Honesty

Some credit repair companies made fluff claims that they eventually could not live up to. For example, some companies claim to improve your credit score by hundreds of points in just a week, which is something that only a few credit fixing companies have been able to do. When compiling this list, we preferred credit repair companies that are honest and transparent with their services’ benefits.

Repairs vs. Monitoring

Some credit companies have emphasized enough credit monitoring, while others specifically repaired an individual’s credit score. It could be challenging for novices at credit repair services to understand how each company operates, which is why we only preferred Credit fixing companies with concrete credit repair services and not just essential credit monitoring services.

Accurate Estimated Credit Score Increase

The best credit repair companies in the market today track an average number of points by which they have improved their customer’s credit scores. For example, The Credit People provides an estimated increase of 53 to 187 points, based on an average increase from previous customers.

Credit Repair Methods

The inaccurate data on your credit report can be fixed quickly by contacting the three credit bureaus; this is what most credit repair companies target. However, the best credit repair companies that exist today go above and beyond just removing erroneous data from your credit report. Moreover, they challenge credit bureaus to provide evidence for each item listed on your credit report.

Refund Policy and Satisfaction Guarantee

Most credit repair companies rarely guarantee improvements in credit scores. However, some highly-ranked and reputable credit repair companies back up their claims with money-back guarantees and other user satisfaction promises and perks. For instance, Credit Saint offers a 90-day money-back guarantee to users who are not satisfied with their credit results.

Company Experience and Reputation

Some credit repair companies have vast and rich experience in the credit repairing industry. For example, Credit repair services like Lexington Law have over 20 years of experience in repairing credit scores online. Companies launched in later years have much less experience functioning in the credit industry. We considered the company’s reputation and overall experience while making this list of the best credit repair companies.

User dashboard, interface, and overall user experience: Some credit repair companies have a dashboard that allows users to manage and monitor their credit score. We considered the overall customer experience when making this rankings list. We preferred companies that believed and invested in offering a better customer experience for people looking to improve their credit score.

Top 10 Amazing Benefits of Repairing your Credit Score

Deciding to repair your credit score and investing in credit repair services can save your life.

A good credit score helps you in more ways than one and makes it easier to pay off the loans, rent a home or get a mortgage. It can also help you in getting a job. It can also help save thousands of dollars on auto or home insurance.

It can even make it easy for you to find a partner.

Below is a list of the Top 10 benefits of credit score repairing, including the perks of a good credit score:

Marrying Your Dream Person

According to a report by MarketWatch, 58% of Americans have said that they would not marry someone with a significant amount of debt. Some people even go and check the credit score of their potential partners before deciding to marry them. A bad credit score can be a huge red flag. It could also prevent you from marrying the person of your dreams- even if everything else falls into place. You decide whether you will let bad Credit hamper your chances of being with your loved one. Or not.

Cheaper Auto Insurance

An average American pays $1,450 every year for full coverage car insurance. However, an average American with lousy Credit pays more than $2,100 per year. A bad credit score will make you pay more, almost double than what an average American would pay per year. Legally, insurance companies in every state (except for California, Massachusetts, and Hawaii) can use your credit scores to calculate premiums. If we go by the statistics, automobile drivers with a lower credit score are more risk-prone to insurance companies, so insurers would charge them higher rates. Improving your credit score could help save you thousands of dollars in insurance premiums for the next few years.

Receive Higher Limits and Better Credit Cards

Improving your credit score would allow you to unlock new credit cards with higher card limits. When you have a fantastic credit score, you have been good at repaying all your loans, making companies want to lend you money. In other words, instead of having a credit card with a $2,500 limit, you can easily have a credit card with a limit of up to $25,000, annual perks, among many other rewards. Once you repair your credit score, you can avail of better opportunities for yourself, like unlocking a new credit card. For example, some of the best credit cards offer 4% cash-back on gas and groceries to people with a good credit score. A good credit score can provide you benefits like nothing else.

Easier Approval and Cheaper Mortgage Rates

People with a bad credit score can find it complicated to get mortgages. As a customer of a credit repair company, it might be difficult for you to get a mortgage with a bad credit score. Even if you manage to get a mortgage, you could end up paying higher rates than that of an average American with a good credit score, which could add tens of thousands of dollars to the total price of your mortgage.

Easier Approval When Renting a Home

If you’ve rented a home before, then you’re used to getting your credit scores checked. Many landlords and property renting companies will ask you for your credit report. With a bad credit score, you may have to struggle with renting a safe and affordable place for yourself. Even if all other factors are equal, property owners and landlords will always prefer someone with a better credit score. We recommend you clear out any mistakes and negative scores on your credit report; this makes it convenient for you to rent a place. A bad credit score can hamper your chances of buying a home for yourself.

Super Negotiating Power

You may have negotiating skills, but you practically have no negotiation power if you have a bad credit score. You will have to settle for the rates that lenders provide you. You won’t be able to bargain with your lenders if you have a bad credit score. The best alternative to avoid this situation is to improve your credit score. This way, you would have dispelled any financial crisis you would have to face otherwise and exponentially grow your negotiating power. Work on improving your credit score, invest in relevant services; this will allow you to have the upper hand when negotiating with lenders.

Get Better Mobile Phone Rates

You must have been well aware that cell phone companies provide better rates to good-qualified lenders. If your overall score is identified as a good credit score, you can purchase a cell phone on contract without paying for the security deposit, which means you can get a cell phone at a lower price than you would typically get. People with bad credit scores either have to purchase prepaid phones or pay-as-you-go plans. A bad credit score can lower your chances of buying a mobile phone at a reasonable price. We recommend you invest in credit repair services; this will ensure that you don’t have to pay more for a relatively cheaper mobile phone.

Pay Cheaper Homeowners Insurance Premiums

For an average American, Homeowners Insurance costs thousands every year. If you’re a homeowner with lousy Credit, you could end up paying almost double for your homeowners’ insurance. Homeowners with a bad credit score are at more risk to insure than homeowners with a good credit score. Insurers believe that you have a higher chance of committing insurance fraud or missing payments if you have a bad credit score; this is why you may have to pay higher rates for the same insurance services and premium plans than your counterparts.

Overall Confidence

If you have a better credit score, it just demonstrates that you are a responsible adult. It also shows you and the people around you that you have taken responsibility for your financial future, which automatically makes you come across as a decent human being worthy of their respect. A good credit score can allow you to brag about the benefits that you’ve been able to receive as a customer. Even if you choose not to tell anyone about your finances or your credit score, an overall good credit score can instill a strong sense of confidence in yourself and your abilities.

7 Best Credit Repair Companies and Services in 2021 Conclusion

These were some of the factors that we considered while making this list of the best credit repair companies in 2021. We also thought of some other metrics used by some credit repair companies to narrow down our results for you. We incorporated only significant relevant factors for you to know as a customer while leaving behind the ones that were too common.

We only researched and provided accurate data for the credit repair companies that might be best for you. We do not want any of you to be wrongly informed about credit repair services today. All of the above factors can help you make the right decision when going for credit repair services.

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Affiliate Disclosure:

The links contained in this product review may result in a small commission if you opt to purchase the product recommended at no additional cost to you. This goes towards supporting our research and editorial team and please know we only recommend high quality products.


Please understand that any advice or guidelines revealed here are not even remotely a substitute for sound medical advice from a licensed healthcare provider. Make sure to consult with a professional physician before making any purchasing decision if you use medications or have concerns following the review details shared above. Individual results may vary as the statements made regarding these products have not been evaluated by the Food and Drug Administration. The efficacy of these products has not been confirmed by FDA-approved research. These products are not intended to diagnose, treat, cure or prevent any disease.

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