Best Credit Repair Companies Of 2021

Best Credit Repair Companies
Best Credit Repair Companies

Credit repair companies help to improve your credit score; there is a caveat; you will need to pay a fee.

These companies specialize in helping individuals with poor credit, improving your credit score may not be a quick process, and only some items of bad credit may be removed, but it’s a start to improving your finances if you have no other options.

Best Credit Repair Companies of 2021

Let’s compare the top credit repair companies in 2021.

Sky Blue Credit

With over 30 years of experience, Sky Blue Credit has a BBB rating of C.

Sky Blue Credit, offers just one package to its clients, The package costs an initial enrolment fee of $79, then in addition to this fee, you will be charged $79 per month for their services.

When you sign up with Sky Blue Credit, they will conduct a review of your free credit reports, when items of concern have been identified, they will then send letters of dispute to each of the credit bureaus.

Sky Blue Credit will continue to do this, for as long as you pay the $79 monthly rate. Other services included within the service are:

  • Debt settlement
  • Goodwill letters
  • Cease and Desist letters

Credit Saint

Founded in 2004, Credit Saint is one of the most known credit repair companies and maintains an A+ BBB rating.

The company offers people with credit difficulties three packages to choose from:

Credit Polish

The credit polish plan will set you back an enrolment fee of $99, and an additional $79.99 per month for their services.

For these fees Credit saint will challenge:

  • late payments
  • Charge offs
  • Identity thefts
  • Collections

With this plan, Credit Saint will not challenge:

  • Bankruptcies
  • Judgments
  • Repossessions.

Credit Remodel

The Credit Remodel plan will cost you an enrolment fee of $99, then an additional $99 per month for their services.

In addition to the services you receive in the Credit Polish plan, Credit Saint will also challenge:

  • Repossessions
  • Bankruptcies

Clean Slate

The third plan is the most aggressive plan. The Clean Slate plan will cost you an enrolment fee of $195, then an additional $120 per month.

You will receive all the services detailed in the other two plans; these will also assist you with cease and desist letters.

When you sign up for any of the Credit Saint packages detailed above, you will be assigned a team that will assist you with any questions you may have, you will also gain access to an online account, enabling you to monitor progress.

Credit Saint offers free consultation and a 90-day money-back guarantee.

The Credit People

Founded in 2001, the Credit people maintain a BBB rating of C+.

They offer one package, with two options to pay.

You can choose to pay an enrolment fee of $19, a monthly fee of $79, or the other option is to sign up for the six-month payment option of $419, with no additional sign up fee.

Credit people review your credit report and dispute questionable items.

You will receive regular notifications notifying you of any changes to your account; you will also gain access to a personal online account.

Ovation Credit Services

With a BBB rating of A+, Ovation Credit Services offer credit repair and credit monitoring services. Lending Tree founded the company.

Ovation Credit Services offer two packages.


The Essentials plan will cost you an initial enrolment fee of $89; the charge covers the initial reviews, the company will carry out on your behalf.

You will also be charged $79 per month.

You will receive a personal case advisor who will help you identify any inaccurate, misleading or incomplete items on your credit report.

The advisor will take you through the dispute process and your options.

Included within the plan are financial management tools, which will help you improve your credit, these include budget builders and debt-paying spreadsheets.

Essentials Plus

The Essentials Plus plan will cost you ain initial enrolment fee of $89 to again cover the first work carried out on your behalf. You will then pay $109 per month.

In addition to the essentials plan’s services, you will also receive the ability to send an unlimited amount of dispute letters. The company will also send an unlimited number of goodwill letters to advise creditors of your good standing.

Ovation Credit Services will send a personalized recommendation letter to help you in the future, and they will also monitor your TransUnion credit report.

All Ovation Credit Service clients will have the option to access the online portal and cancel their policy should they feel unhappy with the services provided.

Lexington Law

Founded in 1991, Lexington Law has a BBB rating of C. The company is a law firm offering its customers three packages:

Concord Standard

The basic package will set you back an enrolment fee of $6.95, then a monthly fee of $89.95. For this price, Lexington Law will intervene with creditors and contact the credit bureaus to negotiate remove of any negative items on your credit report.

Concord Premier

In addition to the services received with the Concord Standard package you will also receive the following services:

  • Inquiry assist
  • Score analysis
  • Report watch
  • TransUnion Alerts

This package will set you back $109.95, in addition to the enrolment fee of $6.95.


This advanced plan will cost you $129.95 per month. With all the services provided in Lexington Law’s other two credit plans you will receive:

  • Cease & desist letters
  • FICO® score tracker
  • Identity protection
  • Personal finance tools