Best Credit Repair Companies 2022

Like it or not, our credit scores affect almost every aspect of our lives. From whether we can get an affordable car loan, to whether we can secure an apartment, and sometimes even affecting if we can get a job!

I’ve been in the business of helping people with their finances for years. One of the biggest questions I get is “How do I fix my credit score?” Thankfully, that question is easier than ever to answer. Partly because of companies that specialize in credit repair.

I’ve been watching these companies grow and refine their processes through the years, and after a lot of research, I’ve been able to determine the absolute best credit repair companies. I’ll walk you through how these companies work, and how they stack up against the frauds.

Top 6 Credit Repair Companies 2022

The Best Credit Repair Company Is…

Credit Saint takes the number one spot on our list. When I look into what a credit repair company actually does, and how well they do it, Credit Saint starts to separate itself from the rest of the list. Not only does Credit Saint do all that they promise, but their strategy actually works.

In Credit Repair, there are unfortunately a lot of scammers, and if you don’t know what to look for, you can get burned. I’ve applied everything I know about credit repair to vet this list, and Credit Saint has come out on top.

Credit Saint: Best Overall

Like I said, Credit Saint lands at the top because of their detailed list of actions they will take–and these are actions I’ve researched myself, and I know they work. When I combined their specific action plan with their 90-day money back guarantee, I found a clear-cut winner.

Specific Action

Credit Saint addresses and disputes everything on your credit report, from hard inquiries to collections, and even repossessionss. A lot of credit repair companies make vague promises, but Credit Saint actually details what they’ll do, and how they can help. 

Their ability to spell out detailed plans for repairing your credit, using solutions that I have researched to work, put them at the top of my list. Other companies on this list offer some form of a plan, but Credit Saint offers the most comprehensive, detailed explanation of every action you can take with them.

Items they can and will address:

  • Bills that have gone to collections.
  • Foreclosures.
  • Repossessions.
  • Late Payments.
  • Judgements.
  • Hard inquiries.
  • Bankruptcies.

Effectiveness

Credit Saint relies on tried and tested ways to legally and effectively remove items from your credit report, which will over time increase your score. These include addressing possible fraud, making motions to have items removed, or even to take a bill out of collections.

Another indication of their effectiveness is their unlimited challenges, available with their premium package, that means you can challenge anything and everything, any number of times, to all three Credit Bureaus. In my experience, this kind of aggressiveness pays off in the long run.

Customized Packages

Credit Saint realizes that not everyone needs the same level of credit repair. Another reason they’ve landed at my top spot is that you can tailor order a package that works best for your credit and your budget.

Pros & Cons

Pros

  • Detailed list of actions they’ll take on your behalf.
  • Proven, effective strategies to attack all areas of your credit.
  • 90 day money back guarantee.
  • Customized pricing packages.

Cons

  • Can’t see their customer reviews from their website.
  • They have an initial, minimum $99.00 fee.

Why They’re #1

Credit Saint comes in at the top because they offer step-by-step explanations of how they’ll get to work on your credit score. And the techniques they use are effective, based on my experience, and can boost your score over time.

Sky Blue

Sky Blue comes out of the scrum at number two on my list. They owe their high ranking to their tools. When I’ve helped other people build their credit, I’ve often let people know to look for all of the things that Sky Blue offers.

Learning Tools

Beyond simply fixing your credit, Sky Blue focuses on helping you understand how they’re fixing your credit. These are valuable educational items that you can take with you and use long after your credit is boosted back to where you need it to be.`

By showing you not only how they’re going to fix your credit, and how long it takes, Sky Blue is setting you up for long term success, not only while you’re using their services, but for years to come.

Speed

When you’re trying to repair your credit, you’re often looking for rapid results. And Sky Blue has one of the fastest dispute turn-around times in the industry. Getting your disputes handled in as little as 35 days means you can start planning for things like a new apartment or job application, or even making budget considerations for how to free up your money–soon.

Getting your disputes handled in as little as 35 days means you can start planning for things like a new apartment or job application, or even making budget considerations for how to free up your money–soon.

Mortgage Service

I’ve helped a lot of people with their finances, from retirement planning to personal loans. And oftentimes, the biggest ticket that comes up is home ownership. Let’s face it: owning a home is the end-goal for a lot of what we do, financially.

If you have a spouse or partner, you can also add them to your Sky Blue account for only $40. That’s key if you’re planning your future home-buying and shared finances.

Pros & Cons

Pros

  • No sign-up fee.
  • No upgrade charges; you get the same service no matter what.
  • Easy to cancel, or even pause, services.
  • Free consultations.
  • 90 day guarantee.

Cons

  • Some complaints on BBB about responsiveness to questions and issues.
  • 800 number is only available on EST.

Why They’re #2

Sky Blue ticks up above some of the other companies on this list because they take long-term goals into account. They have a free consultation available to discuss what lenders look for, and how to make your application look the best it can, to set you up for success down the line.

The Credit Pros

Credit Pros made my list because of the expertise of their staff. They were founded by a lawyer who spent years researching credit and reporting laws, and the company takes everything he learned and puts it into practice. You can rely on this expertise to address specific items on your credit score and build for the future.

Free Consultation

One of the biggest resources that the Credit Pros offers is a free consultation and an 24/7 toll-free number. In your consultation you can get a number of questions answered–questions like the ones I answer for people every day.

Some people might be tempted to think that all there is to credit repair is taking off a few damaging items, but the Credit Pros know the ins-and-outs of how the Credit Bureaus operate. This gives you the inside edge on which items to attack first, and which lines of credit to stay away from in the future.

Stellar Customer Reviews

When I looked at all the credit repair companies out there–and I looked at a lot–the Credit Pros jumped out with the absolute best customer rating on the Better Business Bureau website. They have more five-star reviews than anyone, and are one of the few companies that links directly to their reviews.

Full- and On-Going Services

When you sign on with the Credit Pros, they do more than simply fix the bad credit issues at the moment. They also provide you with the knowledge you need to keep your credit on track.

With their expertise in the industry, they’ve identified the key areas that we all need to work on to keep our credit high, and they’ve tailor made tools to help you. Many of the items on their full-service list are things I’ve consulted people close to me on for years.

  • Bill Reminders.
  • Dark-web monitoring.
  • Budgeting Systems.
  • Letters of Reference.

Pros & Cons

Pros

  • Free Consultation with industry experts.
  • Best BBB reviews and ratings.
  • Transparent pricing.
  • Wrap-around services to keep you on track.
  • Free mobile-phone app.

Cons

  • More expensive than other services on the list.
  • Services are person-to-person, so there aren’t a lot of details online.

Why They’re #3

The Credit Pros are just what their name says: professionals in every way, and in every way that counts when it comes to your credit health. I can’t overstate how important it is to get their level of post-repair services. The biggest knock on them is their prices, but I can’t argue with the level of expertise you get for that price.

Pyramid Credit Repair

Pyramid Credit Repair is a great, low-cost option for people who don’t want to sign a contract, and who want to scale-down their services after their initial issues are corrected. They come in at number four because their full-services aren’t as comprehensive as the companies above them, but they’re the best of the low-maintenance options.

Identity Protection

If you’ve already fixed many of the big issues on your credit report, or you just want to keep your credit protected, Pyramid is one of the only companies that offers a cheap, effective ID protection plan.

Starting at only $1 (that’s right, one dollar), you can get:

  • Dark-web monitoring.
  • Reports from all three Credit Bureaus.
  • And $25,000 in ID-theft insurance!
  • After your trial, the ID plan is only $29.99/month, which is well-worth the protection and peace-of-mind from the plan.

Personal Dispute Managers

When you go to some credit repair companies, your disputes either go into a large labor pool, an automated system, or get assigned to a team that works with a given industry. (For instance, if you're disputing an insurance payment, your ticket will be given to a team that just handles insurance issues.)

At Pyramid, you’re assigned a personal dispute manager, who gets to know you, your situation, and the minute details of your dispute. This means more nuanced disputes handed over on your behalf, and a better chance of resolution.

Free Credit Repair Guide

In addition to their ID protection and Personal Dispute Managers, Pyramid also offers a free Credit Repair Guide that can answer a lot of your questions–without you having to call or sign up for anything.

This all-in-one guide spells out exactly what’s hurting your credit and what you can do about it. It’s also an indication of how trustworthy Pyramid is that they share all this with you for free, before you even sign up.

Pros & Cons

Pros

  • ID Protection Plan, with a $1 trial.
  • Discounts for couples.
  • Personal Dispute Managers.
  • Money-Back Guarantee.

Cons

  • Services aren’t as all-encompassing as competitors.
  • Beyond their ID Plan, services can be expensive.

Why They’re #4

The bottom line on Pyramid is their ID protection plan. Once you have your credit fixed, you’ll want to keep it that way, and Pyramid has the most affordable and effective ID protection plan I’ve seen.

The Credit People

Making the top 5 on my list wasn’t easy–there are dozens of companies out there. What the Credit People do that most can’t is show proof of their success. They come in at number 5 for offering hard numbers to back up their claims.

Proven Track Record

The Credit People know that improving our credit is only a stepping stone to other goals we want to reach. We all have some of the same goals: auto-loans, better credit cards, and being able to buy a home.

Not only have the Credit People been able to help their customers realize these dreams, but they’ve been doing it at an astonishing rate.

While not everyone is looking for a new home or a new car, all of us are surely looking for one of the four areas that the Credit People have excelled in.

Not only that, but the Credit People have resolved over One Million Four-Hundred Thousand credit issues for their clients!

Industry Recognition

Another reason the Credit People have earned a top spot is the recognition they’ve received in the industry. Everyone from Consumer Affairs to The Credit Review have given the Credit People the nod. It’s only right that I did, too.

While not every person will have the same experience with every company, I’ve learned to separate the reviews that matter from the ones that don’t, and the accolades that the Credit People have earned are legit.

Flexible Payment Options

Another unique feature I found with the Credit People is their flat-rate, six-month option. That means, if you can afford it upfront, you can opt to pay an upfront fee of just over $400 and get six months of guaranteed performance.

That’s right, all six months are guaranteed or your money back.

If you want to go for the month-to-month plan, you can start for as little as $19, and whenever you cancel, your last month of service is on them.

Pros & Cons

Pros

  • Flat-rate, six month plan.
  • Proven track record with real results.
  • Industry accolades and ratings.
  • Over 100,000 satisfied customers.

Cons

  • Only two plans to choose from.
  • BBB rating is below desirable.

Why They Make the Top 5

The Credit People have a track record that can’t lie. Thousands of customers, millions of disputes, and over 70% of their clients get the results they wanted. That’s remarkable, and when you can get it for a one-time payment that’s fully guaranteed, it’s worth a top-five spot all day long.

Honorable Mention: Pinnacle Credit Repair

Pinnacle Credit Repair is smaller and a little less well-known than the other companies I’ve reviewed. They use a proprietary software called Automated Credit Analytic Technologies, or ACAT.

Because I’m not as familiar with the software and how it works, I couldn’t put Pinnacle in my top 5, but they definitely deserve mention for the novelty of their approach.

How ACAT Works

By using software algorithms based on traditional legal dispute language, Pinnacle is able to file multiple disputes and engage in the legal system faster and with more ferocity than one or even ten people working around the clock.

Pinnacle claims they can get disputes handled 85% faster than other companies, but I haven’t been able to verify that with any real reviews.

Credit Line Increases

Another strategy that Pinnacle uses is to add items like rent and revolving accounts to your credit report. This is a risky strategy that does pay off–for some people. If you feel comfortable with your current finances and keeping up with all your current payments, this can be an effective strategy, but it’s not endorsed by many of the top companies.

Pros & Cons

Pros

  • Proprietary software at your disposal.
  • Up to 85% faster dispute resolutions.
  • Up to 90 point increase in Credit Scores.

Cons

  • Not as proven tactics as other companies.
  • Riskier strategies.

Why They Made the List

Pinnacle is a pioneer, and pioneers deserve to be recognized and highlighted. Just because they aren’t in the top 5 now doesn’t mean they won’t be someday. I like to keep the ground-breaking companies on my radar, in all finance industries, and I wouldn’t be doing my job if I didn’t keep them on your radar, too.

Conclusion

The fact is our credit score can make a bigger impact on our lives than almost any other thing. Another fact is, it can be the hardest thing to understand or change. By choosing the right company to help you, you may be taking the biggest step toward financial freedom.

About the author Greg Lorenzo

Greg is a financial expert who has been advising his audience on loans for over 10 years. He has a wealth of knowledge and experience in the area, and he is passionate about helping people get the best possible deal on their loans. Greg is an expert in negotiating loans, and he has a proven track record of getting his clients the best possible terms. He is also a strong advocate for financial literacy, and he regularly gives workshops and seminars on the topic.

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