CreditFirm.net is our top-rated company, in large part because it’s relatively affordable while still covering most credit proble🐓ms people are likely to have (check the Dispute Types section below for a long list). 

You’ll start with a free consultation, and unlike most other companies, there's no upfront fee to begin the service. After that, the monthly fee ($49) is lower than average among companies included in our research. There’s even a discount for couples ($89.99 per month for two people) and military members ($39.99 per month).

Customers get legal assistance along with credit repair, if necessary. The company will help fix errors in minor details, send cease-and-desist letters to collection agencies, and even escalate to 澳洲幸运5开奖号码历史查询:Consumer Financial Protectioꦓn Bureau (CFPB) investigati🌊ons—whatever your particular situation needs.

CreditFirm.net will send an unlimited number of disputes each month, helping to resolve your credit problems as quickly a✱s possible. (Some companies limit the number of monthly disputes, so i♓t takes longer to address and respond to problems.) 

Customer ratings aren't great for CreditFirm.net, although they’re not explicitly bad either—they’re about right in the middle (3 out of 5 stars) on sites like Trustpilot and the Better Business Bureau (BBB). There aren’t 🎉many reviewไs, and the company didn’t get a high score for overall customer satisfaction.

CreditFirm.net was founded in 1997 and is based in Illinois. For more information, see our full 澳洲幸运5开奖号码历史查询:CreditFirm.net review.

If you have some less-common credit problems or a variety of issues to address, The Credit People is worth considering. It works with almost all of the dispute types and credit problems we looked for in our research, along with others that most companies never mention (such as negative settlements and liens). Like most of the best credit repair c♛ompanies, it’ll send unlimited disputes per month to help resolve your credit problems as quickly as possible.

The Credit People’s fees are a bit of a mixed bag. The setup fee ($19) is one of the lowest we found, but the base plan monthly fee ($99) is one of the highest. But then, the premium plan monthly fee ($119) is on💧 the low side among premium plans. You can also opt to pay a flat rate for the premium plan: $599 for six months (about $99.83 per month). And there’s a couples’ discount for the monthly plans: You and your partner will both receive $20 off if your partner signs up within three days of your sign-up date.

It’s not unusual for credit repair companies to have poor reviews, and that’s true for The Credit People on Trustpilot and the BBB (although there are only a couple dozen reviews). The company has no complaints with the CFPB, however.

The Credit People has been in business since 2001 and is based in Cottonwood Heights, Utah. For more information, see our full 澳洲幸运5开奖号码历史查询:review of The Credit People.

All of the companies on our list offer basic credit repair, but other related services are included in many plans as well. The Credit Pros is our top pick if you’re interested in additional services, as it has quite a few to consider. Among our top-rated companies, it’s the only one to provide 澳洲幸运5开奖号码历史查询:three-bureau credit monitoring and identity theft protection in every plan, along with business credit repair services if you need🔯 them.

The Credit Pros will also help with various credit-related situations, such as dark web monitoring, reminders to pay your bills, and 澳洲幸运5开奖号码历史查询:budgeting. It has some uncommon offerings like credit references for a new aꩲpartment or vehicle. Customers can monitor the progress of their credit disputes online or through a mobile app, although the app💖 is only available for Apple devices.

Although The Credit Pros has mildly positive reviews online, there are a couple of important things to note: Trustpilot has previously suspended The Credit Pros' page due to an accused breach of Trustpilot’s guidelines. Trustpilot stated some reviews may have been fake or purchased. The Credit Pros was also involved in a lawsuit in 2023.

The Credit Pros was founded in 2009 and is headquartered in West Palm Beach, Florida. For more information, see our 澳洲幸运5开奖号码历史查询:full review of The Credit Pros. 

To put it mildly, some credit re🤪pair companies are vague about the fees and details of their services. But Credit Saint doesn’t have that problem. It has three plans defined by different levels of aggressiveness, and it clearly spells out their prices and the services included in each one. It’s at least as good in this respect as our overall recommendation, CreditFirm.net.

The most basic, least-aggressive (and least-expensive) plan, Credit Polish, is $79.99 per month; for that, you get five disputes per month plus credit score tracking. That’s a bit more expensive than your average ground-floor credit repair plan, but the premium plan—Clean Slate, for $139.99 per month—is a bit less expensive than the average premium plan. Clean Slate includes 澳洲幸运5开奖号码历史查询:three-bureau credit reports and scores and a variety of other features.

Be aware that Credit Saint’s initial working fee (a one-time fee you pay at t💟he start of service) for the premium plan is quite expensive. The other plans have more reasonable fees. Additionally, take note that Credit Saint doesn’t send cease-and-desist letters to creditors or Section 605B letters (used to help deal with identity theft) to credit bureaus.

Credit Saint was founded in 2007 and is headquartered in Mahwah, New Jersey. For more information, see our 澳洲幸运5开奖号码历史查询:full Credit Saint review.

Sky Blue Credit has been in business longer than any of the other 16 credit repair companies we researched—it was founded in 1989, so it has over 30 years of experience helping people identify and fix credit problems. It does bus♉iness in 47 states, giving it a wide range of exposure to various people and credit situations. 

You have three plan options, and the fees are decent. The lowest startup fee you might pay is $99, which is better than average. The basic plan costs $79 per month, which is a touch high, but it includes most of what you might want (aside from creditor interventions). Couples’ discounts aren't uncommon among credit repair companies, but Sky Blue’s discounts are pretty good: You’ll only pay 50% of the normal cost for another subscription if you add a spouse or partner to your plan.

One downside is that Sky Blue will onl💙y send up to three credit disputes per month. That’s far fewer than some other companies, which will send unlimited disputes, but Sky Blue claims t⛎o have a state-of-the-art dispute system, with customized disputes and re-disputes. 

Customer ratings are mixed, though there aren’t many reviews to go by. Google Reviews has the largest amount, and it gives Sky Blue 4.3 stars with about 500 reviews.

Sky Blue Credit is headquartered in Boca Raton, Florida. For more information, see our full 澳洲幸运5开奖号码历史查询:Sky Blue Credit Repair review.

Two important things when it comes to credit repair: how long it takes, anꦰd how much you like working with the company. MSI Credit Solutions excels in both areas. It’ll start working on your credit problems in just on💎e business day, as fast as any other company. And unlimited disputes are included in each package, which should usually help resolve your credit problems faster than a company that only sends a few monthly disputes.

MSI also has a good reputation among past customers. It scored 4.4 out of 5 on Trustpilot, which is good but not great. But it has 4.68 stars at the BBB, and it earned 4.7 stars (with nearly 2,000 reviews) on Google Reviews. There are no complaints for MSI with the CFPB.

However, MSI’s pricing information isn't fully transparent. The company website mentions a single plan for $98, but a customer rep told us the basic credit repair plan costs $99 (with no setup fee). The rep also mentioned two other plans for much higher costs, but no details about these plans are available.

MSI Credit Solutions was founded in 2006 and has headquarters in Dallas. Read more in our 澳洲幸运5开奖号码历史查询:full review of MSI Credit Solutions.

Credilife offers a 澳洲幸运5开奖号码历史查询:free DIY credit repair tool that could be a great idea if you’re dealing with some minor credit problems, or just one or tw꧟o larger i🅘ssues. It might also be all you need if you’re familiar enough with credit repair.

Credilife’s free tool, Dispute Creator, can help you identify problems on your 澳洲幸运5开奖号码历史查询:credit reports and generate dispute letters to address them. You’ll need to set up the system, print the letters, mail them, and respond appropriately to anything you get back. But it could save you some money 🍸compared to other options, so if you feel relatively tech-savvy, you might want to give it a try.

If the DIY tool doesn’t seem like the right fit, Credilife offers paid credit repair plans to help find and remedy credit report errors. You can also get one-on-one coaching for general financial guidance or consultations for specific problems. Credilife’s website isn't clear on the pricing and plan details, however, making it hard to compare its services to others'.