Top 14 Best Credit Repair Companies and Services of 2021

Have you been second-guessing your credit score? Afraid that a poor credit score might prevent you from financially standing out to lenders? Credit scores indicate the risk that individuals present to lenders. Ranging anywhere between 300 and 900 (depending on the country), a higher score generally suggests a lower perceived risk, allowing individuals to possibly handle their finances with poise.

Matter-of-factly, the better the credit score, the more likely credit card issuers, auto dealerships, and mortgage lenders will be when it comes to providing financing [1].

Unfortunately, something so small as failing to make a payment on time can easily deteriorate such scores. Even avoiding using and paying off a credit card might force the credit score to drop to lower levels.

Due to these reasons (and several others), 11.1% of American consumers are believed to have credit scores below 550, which is nearing poor [2]. What can be done to help people in this situation when they need credit repair? Our editorial team went on a massive credit repair scavenge and discovered the 5 best credit repair companies that might help reverse the damaging effects of poor scores.

The purpose of this guide is to provide insight into possible means of rectifying credit scores. Above all, this guide is intended to give hope to everyone who once thought that there’s no going back after a score has plummeted. Let’s get started with our top picks for Credit Repair Services in 2021!

The Top 5 Credit Repair Services You Can’t Ignore

There are several top credit repair services available online, and to think that our team was able to narrow down to 5 is petrifying. Why? Well, this should suggest the vigorous research that went into finalizing our list of best credit repair companies, namely, from the ranking criteria down to the specifics of each one of these services.

Hence, summarized below is a sneak peek into each service and its irreplaceable missions.

1.) Credit Karma

Company Features
Key Takeaways
  • Easy to start and set up
  • Free credit score and credit report
  • Free credit monitoring
  • Suggest improvement areas and solutions
  • ChargesFree
    BBB RatingA-

    One of the best credit repair companies, Credit Karma, believes in offering products that provide value to consumers, whether it be savings, rewards, or in our case, debt relief. Through their credit repair software, individuals can access their respective credit scores and reports from TransUnion and Equifax credit bureaus, with weekly updates.

    Once updated, the team affirms to provide tips and tricks on how to bring scores back up. Interestingly, their credit monitoring service is trusted to pinpoint spot errors, inconsistencies, and/or signs of identity theft before the situation can even worsen. Talk about maximum credit repair protection without having to break our heads, right?

    2.) Credit Monkey

    Company Features
    Key Takeaways
  • No sign-up fee for credit repair
  • Assign a dedicated account manager
  • No contract and immediate cancellation options
  • Live score client portal for all clients.
  • ChargesPlans starting from a $99 monthly fee.
    BBB RatingB
    Guarantee90-day money-back guarantee

    Since 2014, the team at Credit Monkey has been helping people improve their credit scores in the credit repair industry. With millions of people facing inaccurate or unfair negative items continuously hurting credit scores, Credit Monkey avows to challenge any questionable items with all three credit bureaus.

    They don’t offer cheap credit repair packages as they will ask creditors to verify uneasy items, and if they can’t, creditors are supposedly required to stop reporting them. From there, the team will continue to keep their eye out on credit reports while addressing any more issues.

    They offer different services such as negatives and inquiries, unlimited judgments, public records, and negative items, and public, negatives, and inquiries respectively. By signing up online today, individuals can either get a free 10-minute credit analysis or a free consultation with one among top credit repair companies, Credit Monkey!


    Company Features
    Key Takeaways
  • Free credit score and negative item summary
  • Affordable credit repair cost
  • Credit score monitoring with a personalized online dashboard
  • Analyze your credit reports
  • Offer advice to improve your credit score
  • ChargesBasic, Moderate, and Aggressive credit repair packages
    BBB RatingD
    GuaranteeNot Offered

    As suggested in its name, is one of the best credit repair services on a mission to provide personalized solutions that rectify one’s credit score. The team insists that over 70% of past members saw a significant score hike after six months of using their services.

    With the help of their credit repair process, members, on average, were able to increase their score by 40 points in just six months. Sure, it might not seem so high at first, but rectification requires more work than deterioration, right?

    Regarding the credit repair service itself, individuals are asked to verify their identity. Once confirmed, the team will set forth on preparing reports summarizing credit score and negative item breakdowns. Based on the latter report, will then recommend any one of three services on a case-by-case basis.

    4.) Credit Saint

    Company Features
    Key Takeaways
  • Monitor your progress with an online dashboard
  • Access to Experian Score Tracker
  • Option to cancel any time
  • Toll-free customer support
  • Charges$79.99 Monthly Fee + $99.00 initial work fee
    BBB RatingA
    Guarantee90-day Money Back Guarantee

    Operating for over 15 years, Credit Saint is a BBB accredited business that aims to reverse the negative impact of poor credit scores. First, the team will create a credit monitoring account with Then, they will cover the specific details about credit history, identifying the damaging items primarily. Finally, unlike other credit repair companies, Credit Saint will analyze positive credit and expound on means of optimizing one’s report using proven techniques.

    As for credit repair pricing, it depends on whether individuals want their credit scores polished, remodeled, or slated. For instance, the basic of the three plans challenge the three credit bureaus, offer a score analysis and credit score tracker, and entails creditor interventions. This might be for anyone in need of a couple of tweaks, whereas the latter two packages involve complete transformations.

    5.) Credit Sesame

    Company Features
    Key Takeaways
  • Free credit score and credit report card
  • Free credit monitoring alerts
  • Detect errors to improving your score
  • Saving advice and finance protection
  • ChargesFree
    BBB RatingA+
    GuaranteeNot Offered

    Credit Sesame is one of the top-notch credit repair companies that came into existence after the last financial crisis to protect consumers from future hindrances. Unlike other credit repair companies, it offers you free credit reports and free consultation. Presently offering their services for free, the team affirms to assess negative items reported by credit bureaus and will challenge them accordingly.

    Most of all, importance has been placed on offering free consultation and recommendations likely to improve one’s secret scores. Seeing the interconnectedness between cash and credit, Credit Sesame also launched the first-ever online bank account that allows cash and credit to work synergistically.

    Despite being in the credit repair business for over a decade, the credit remodel team insists that they’ve made many changes with the sole goal of prioritizing the democratization of finances. Ultimately, an account with Credit Sesame implies free credit score and monitoring, complete protection against identity theft, and maximum savings recommendations. In other words, individuals will have access to “the benefits of bank-level analytics developed with scientists from UC Berkeley and Stanford.”

    If you struggle to find errors and pay off balances each month, the Above 5 best credit repair companies are highly recommended to hire. However, if you remain undecided after reading their reviews and perks, check out a few more reputable credit repair companies we have mentioned below:


    Company Features
    Key Takeaways
  • Talk with a debt counselor without obligation
  • Pay only 20% of each settled debt
  • Credit Monitoring on the dashboard or a mobile app
  • Resolve financial issues and errors
  • ChargesFree
    BBB RatingA+
    GuaranteeNot Offered

    Ranking at 6th place in the list of best credit repair companies, Based in Florida, CuraDebt has been providing nationwide debt relief since the year 2000. Whether individuals are seeking relief for unsecured debts and/or tax debt issues, this credit repair service is the one to go to.

    Speaking of debt relief, the team can help with credit cards, personal loans and lines of credit, medical bills, collections and repossessions, business debts, IRS debt and back taxes, and even certain secured debts. What drew us to this over other credit repair agencies, besides decades of experience, is that it is a member in good standing of the American Fair Credit Council (AFCC), one of the largest and oldest associations for debt relief there is.

    This is one of the great credit repair options to get started. Individuals are recommended to sign up for a free consultation that focuses on providing expert assistance, timely advice related to credit repair, and solutions unique to one’s financial needs and goals. It is important to note that any appointments made will be not only free but also completely confidential.


    Company Features
    Key Takeaways
  • Daily monitoring, alerts, and credit repair
  • Monthly updates to your 3 credit scores
  • 7 days free trial
  • Identity theft protection insurance of $1 million
  • Reports from all 3 bureaus (TransUnion, Equifax, and Experian)
  • Charges$29.95 Monthly Fee
    BBB RatingA
    GuaranteeNot Offered

    Powered by ScoreSense, FreeScore360 is beating top credit repair companies by providing interactive tools in very affordable credit repair packages . Their comprehensive learning center educates consumers about the impact that credit has. Additionally, all the necessary credit repair actions that need to be taken to protect one’s score will be provided.

    This is one of those credit repair agencies where everyone will learn how to correct errors on credit reports, and with FreeScore360’s guidance, these issues will be reported and, hopefully, rectified. Other benefits include access to reports and scores monthly, a $1 million identity theft insurance, and good interest rates. For a limited time, individuals can sign up for a free 7-day credit repair trial to better understand the different layers of FreeScore360 and their credit repair software.

    Leap Credit

    Company Features
    Key Takeaways
  • Fast and quick credit repair solution
  • Easy application procedures
  • Protects all your important information
  • Affordable and transparent loan policies
  • ChargesFree
    BBB RatingB

    Leap Credit is one of the credit repair companies that charge nothing and allegedly provides support to any consumer needing any level of credit repair. Based on the claims made, this credit repair company has been known for its simple application processes, speedy approvals, and other incentives. To get started, individuals will be asked to verify their identity and income.

    Once confirmed by the Leap Credit team, the loan amount will be granted. As interesting as this all sounds, we ask that everyone carefully analyzes Leap Credit, as their website suddenly went offline. Furthermore, many complaints have been listed on about this best credit repair company which might give a sense of the common issues one can avoid beforehand.

    Lexington Law

    Company Features
    Key Takeaways
  • Free credit report consultations
  • Access your TransUnion report summary for free
  • Personalized Counseling and 24/7 support
  • Easy and transparent credit repair process
  • Charges$89.95 Monthly Fee
    BBB RatingC
    GuaranteeNot offered

    Lexington Law offers free credit report consultations that include access to one’s TransUnion bureau report summary, a free negative item preview, a free FICO® credit score, and recommended solutions. Surely, questionable negative items are likely to hurt one’s credit, so removing them can provide significant improvements.

    The Lexington Law team insists that they work with consumers to identify these hurting items in the credit report, which are then challenged with the credit bureaus and creditors. Finally, every step will be taken to meet all credit goals, no matter how long it takes.

    Presently, this credit repair company is running three credit remodel plans available, i.e., standard, moderate, and aggressive. With the standard plan, individuals will get bureau challenges and creditor interventions. Their flexible credit repair packages offer you access to InquiryAssist, score analyses, ReportWatch, TransUnion alerts, cease and desist letters, a FICO® score tracker, identity protection, and a series of personal finance tools.


    Company Features
    Key Takeaways
  • Unique analysis of your FICO score
  • Comprehensive credit reporting
  • Credit monitoring from Experian
  • 24/7 identity restoration
  • Affordable credit repair plans
  • Chargesstarting with $19.95 Monthly Fee
    BBB RatingA+
    GuaranteeNot Offered

    One of the best credit repair companies that have supported consumers for over 20 years, myFICO aims to lessen the steep learning curve that comes with understanding credit scores, credit reports, and alerts provided by all three credit bureaus. Over 90% of lenders agree that FICO® scores are the best to rely on and so, myFICO provides said scores based on Experian, TransUnion, and Equifax reports.

    An account with this best credit repair company implies access to a side-by-side comparison of reports, regular updates, important changes (i.e., inquiries, new accounts, address changes, late payments, etc.), identity protection, and full support to meet set financial goals.

    Out of the three credit score analysis programs available today, the basic plan provides one Experian coverage, monthly updates, FICO scores, scores for mortgages, auto loans and more, credit reports, score and credit monitoring, $1 million identity theft insurance, and a 24/7 identity restoration. The basic doesn’t sound so basic anymore, does it?

    Sky Blue Credit

    Company Features
    Key Takeaways
  • Check your own Credit reports from Experian, Equifax, & TransUnion
  • Custom dispute process
  • line by line analysis to fix bad credit score
  • Easy to cancel or stop membership
  • Charges$79.00 Monthly Fee
    BBB RatingA+
    Guarantee90 days guarantee

    Evidently trusted as a credit repair services provider since 1989, Sky Blue Credit aims to dispute even the most subtle and risky items that might harm one’s credit score. It provides you with a credit score from three major credit bureaus.

    In addition to the aforesaid disputes, this fee will provide consumers with speedy disputes (5 per bureau) tailored to one’s situation, state laws about debt collection matters, score assistance, guidance toward credit rebuilding, verifying one’s debt, goodwill letters that make appeal direct to the creditor and cease and desist letters.

    Among many credit repair agencies, how can anyone neglect their guarantee, a benefit that is rarely offered by credit repair companies? Nevertheless, to get started, all that’s required of everyone’s a little overview of themselves and the necessary billing information. Finally, sky blue credit offers no charge service for the first 6 days; talk about a free trial of sorts!

    The Credit People

    Company Features
    Key Takeaways
  • 32% average increase in credit score
  • Reasonable pricing and couple discounts
  • Immediate updates on your dashboard
  • 24/7 online account access
  • Charges$79.00 Monthly Fee + $19.00 initial work fee
    BBB RatingC+
    Guarantee60-day satisfaction guarantee

    The Credit People is a legitimate credit repair company that aims to provide all the compulsory tools that literally help to clean up one’s credit report of late payments, collections, charge-offs, bankruptcies, repossessions, foreclosures, tax liens, identity fraud, student loan, and judgments with credit bureaus among others.

    The beauty of this service rests on The Credit People’s shoulders as they generate credit reports and scores and investigate disputes as they come. Consumers are simply asked to review all their activities online. Specifically, upon every improvement and/or change in credit report, an alert will be immediately sent out.

    Taking everything into account, results can be witnessed anywhere between 60 days up to 180 days, depending on the situation. Imagine the confidence 3,409 people must have had to all join just last month!

    The Credit Watcher

    Company Features
    Key Takeaways
  • Get your 3 credit scores instantly
  • 24/7 credit monitoring from 3 credit bureau daily
  • Regular alerts on your credit changes
  • Roadside assistance
  • Charges$39.90 per month
    BBB RatingF
    GuaranteeNot Offered

    The Credit Watcher believes that it is vital for everyone to spot potential inaccuracies in a credit report affecting credit scores. This is allegedly an issue that many Americans have no idea about, and through The Credit Watcher, everyone will attain essential education on all matters of debt relief. Does reading your credit reports seem nonsensical? The Credit Watcher is one of the best credit repair companies that will provide a thorough breakdown.

    Particularly, the team will compare scores across the three major credit bureaus, making it easier to pinpoint improper differences. In all truth, the team avows to send alerts when they improve your credit score or dispute inaccuracies with credit bureaus.

    To get started, individuals will need to complete a personal inquiry form, and the rest lies in confirming one’s identity and verifying the provided details.


    Company Features
    Key Takeaways
  • Unlimited credit score and report access
  • Credit score analysis and recommendation
  • Free ID protection
  • Monthly tips and advice to improve your credit score
  • ChargesStarting from $24.95 Monthly Fee
    BBB RatingA+
    GuaranteeNot Offered

    One of the top credit repair companies, TransUnion is always ready for your credit monitoring. By becoming a TransUnion member, individuals will get unlimited access to scores and reports with daily updates and recommendations. The credit repair process points everything towards the right direction and access to TransUnion and Equifax reports, making TransUnion available in the best credit repair companies list.

    Additionally, this service offers free identity protection called TrueIdentity and $25,000 in identity theft insurance at no extra cost. Above all, the credit repair team has created a series of educational materials that ensures everyone is knowledgeable on credit topics and the Fair and Accurate Credit Reporting Act (FACT ACT), to say the least.

    One facet unique to credit remodel organization is its ability to tailor to different financial needs. In particular, people who are hoping to get free consultation or help will be able to generate their own annual credit report, freeze and dispute credit reports, activate fraud alerts, active-duty credit monitoring, and the aforesaid, TrueIdentity. As for premium services with fees attached, they include credit monitoring, protection and compass, and a score simulator.

    The Ranking Criteria Of Best Credit Repair Companies: Credit Matters and So Do Several Factors

    Several factors went into narrowing down our top picks for credit repair services. Reviewing each credit repair service is important. It allows for optimal differentiation between the worst and best credit reporting agencies out there.

    Bear in mind that the following can be adjusted to one’s liking and serves merely as the basic requirements. In all truth, we inspire everyone to add to our list before arriving at their own final pick(s). All things considered, let’s cut right to the chase:

    Credit Scoring, Reporting, and Monitoring

    There are countless companies in the credit repair industry. The goal of a best credit repair service is to pledge improvements in credit scores; otherwise, what is the point of paying subscription and initial work fees? Upon investigating all the official websites, we were keen on finding credit repair companies that affirm challenging credit bureaus and guarantee negative items are not only questioned but possibly prevented from scarring one’s report.

    Another feature crucial for such services is having a thorough program that guides consumers on a step-by-step basis. This will help people who aren’t entirely versed in attaining debt relief.

    Transparency & Reputation

    Most credit repair companies that make bold statements without any substance are not worth investing in. Instead, it is best to go with a credit repair company that lays out the steps to improving credit scores, what their role will be in the process, and the actionable steps that consumers will be required to take for utmost results.

    Credit repair companies providing educational material to ensure everyone is well-versed in debt relief, then they should definitely be considered. How can anyone neglect a credit repair service that has a lasting reputation for serving the public and any noteworthy awards? Ultimately, more information guarantees fewer doubts and concerns!

    Estimated Credit Score Improvements

    Credit repair companies that have been doing wonders tend to provide an insight into their track records. For instance, claims to have helped people improve their scores by an average of 40 points. Similarly, The Credit People affirms an improvement in credit scores between 50 and 190 points.

    While not every credit score company doesn’t specify such information, it is always nice to have when the services have monthly fees attached to them. It not only increases one’s confidence in the service, but it also might provide some reassurance regarding prices paid.

    Access to Interactive Tools

    Credit repair services, where individuals have very little to do, will need to come with interactive tools. As much as it might be nice to have someone oversee credit scores and reports, no one truly wants to completely hand over their finances.

    If changes and/or improvements are to be made, the first person who should be notified is the credit score owner. Additionally, a credit repair company should be able to track progress made; otherwise, value for money cannot be fully assessed.

    Value for Money

    Speaking of value for money, the more facets within the credit repair service, the better. This is especially the case for people who are starting off with poor credit scores and need all the help they could get. If one credit repair company charges roughly $40 and the other $80, the latter better offer a glorious credit score on a silver platter!

    Money-Back Guarantee

    Finally, we have money-back guarantees, yet another feature worth adding to one’s list of criteria. However, according to credit repair organizations act, boasting 100% satisfaction guarantee is illegal for any credit repair company.

    For people who are doubtful of any credit repair company, being able to test it beforehand might give them a sense of relief. If not a money-back guarantee, at least a short-term free trial should suffice for consumers to fully assess whether a credit repair service meets set requirements.

    The Significance of a Healthy Credit Score

    A company devoted to gathering, analyzing, and processing data, all while promoting financial control, Experian [3] insists that there are six major benefits that stem from a healthy credit score. Here’s what they had to share:

    Savings on Interest Rates on Loans

    For people who are hoping to take out a large loan – whether it be to buy a home or to finance a vehicle – low interest rates can make the biggest of differences. Simply put, they can “translate into thousands of dollars over the lifetime of a loan.” Borrowers who have a high credit score are certain to secure low interest rates. One example provided by Experian goes as follows:

    “A 30-year fixed mortgage of $250,000 at 5.5% will cost a borrower a total of $511,010 over the lifetime of the loan. If the same borrower can get a 4.5% interest rate […] they will pay $456,017 […] a difference of $54,993.”

    Ideal Terms and Availability on Loan Products

    The stronger the credit score, the more access individuals will have to loan and credit card products. The reason for this rests in the mere fact that lenders are more willing to give money to people who are expected to financially provide for themselves. In fact, higher dollar limits will also be unlocked to such people.

    Access to the Best Credit Cards

    The most rewarding credit card offers are given to people with high credit scores. This includes not only the lowest possible interest rates but also a collection of rewards, cashback offers, travel incentives, and many more. Together, these factors represent significant savings over the course of time.

    Discounted Insurance Deals

    Insurance is typically offered for all, but the difference between the services for low and high credit score holders is that the latter will gain access to lower insurance premiums, particularly on car insurance.

    Endless Housing Options

    With rising values for rental properties, landlords are certain to conduct background checks on prospective tenants. To the former, a low credit score reduces financial trust. Hence, having high credit scores not only guarantees rental property but also the opportunity to one day become a homeowner.

    Security Deposit Waivers on Utilities

    Credit scores are sometimes reviewed to assess one’s ability to pay bills on time. If individuals have a devastating credit history, a larger sum might be needed as a security deposit to initiate utility services.

    Frequently Asked Questions About Credit Repair

    Q: What is credit?

    A: As defined by Experian [3], credit is the ability to borrow money and/or access goods and services with the mandate that the sums will be repaid on a later date.

    Q: What is a credit score?

    A: Equifax [4] defines a credit score as a three-digit number designed to represent one’s credit risk. Furthermore, it represents one’s likelihood to repay borrowed sums and to pay bills on time. Many factors are considered in these ranges, some of which include payment history, outstanding balances, length of credit history, applications for new credit accounts, and types of credit accounts [5].

    Q: What is a good credit score?

    A: Currently, there are several credit scoring models available in the market, the most common model being the FICO® score. Based on the latter, a score of 579 and below means “poor”, 670 to 739 means “good”, 740 to 799 means “very good,” and anything above 800 means “exceptional” [3].

    Q: What are credit bureaus?

    A: Credit bureaus are responsible for tracking credit scores and producing credit reports. The three main agencies include Equifax, Experian, and TransUnion [5].

    Q: What is a credit report?

    A: A credit report lists bill payment history, loans, current debt, and other financial data. In addition, information pertaining to one’s employment, residence, arrests, and/or filing for bankruptcies are also summarized (if applicable) [5].

    Q: What is a credit repair agency?

    A credit repair agency helps you to deal with your bad credit score and by channelizing their credit repair process. Usually, people lack knowledge and time to file disputes against the correction in their credit score.

    These customers can get the help of the right credit repair company to file their disputes. It is strongly recommended to authenticate a credit repair company before you trust them and provide your personal information. There are a large number of credit repair companies that are unauthorized and may initiate credit repair scam.

    Q: Can a credit repair company help to improve your credit score?

    Above mentioned legitimate credit repair companies understand your credit reports to fix the errors and raise disputes. A credit repair company gets your credit score from major credit bureaus such as Experian, TransUnion, and Equifax. They check all your opened accounts if any of your accounts are opened without your knowledge or there is no proper closure of your account. These companies also check your payment history on each and every action and make corrections if there is a false transaction.

    Q: How does a credit score differ from a credit report?

    A: Based on the above, a credit score is a number that represents one’s standing among the crowd regarding financial stability and their capacity to pay off loans and existing balances, whereas a credit report summarizes line-by-line activities that might either boost or deteriorate one’s ranking so to speak.

    Q: What does a negative item summary suggest?

    A: A negative item summary includes things that negatively impact credit scores. These typically include late payments, charge-offs, collections, bankruptcy, debt settlements, and anything else that could be hurting one’s chances at a glorious score.

    Q: What activities lower credit scores?

    A: As explained by Equifax [4], activities that may negatively impact credit scores include late/missed payments, collection accounts, high account balances, credit card balances too close to credit limits, a short credit history, and having multiple accounts with high balances to name a few.

    Q: How long are poor decisions reflected on credit reports?

    A: The length of time that negative information is allowed to remain on a credit report varies based on the type of information itself. For instance, late payments can stay as long as seven years from the date they were missed, whereas bankruptcies may remain for up to 10 years. To find out more information, visit the official website for Experian [3].

    Q: What is a FICO® Score?

    A: A FICO® score is one method of generating credit scores. It helps lenders decide the odds of an individual repaying a loan. In turn, this will have a major impact on how much one is allowed to borrow, the timeframe in which the funds need to be repaid, and the applicable interest rates. These scores help millions of people gain access to the credit they require for education, home-buying opportunities, and cover medical expenses [6].

    Q: How is a FICO® Score calculated?

    A: FICO® scores are calculated using different pieces of credit data. As this is being written, we can say with certainty that five categories are usually considered; namely, payment history (35%), amounts owed (30%), length of credit history (15%), new credit (10%), and a credit mix (10%) [6]. Bear in mind that these categories are not fixed and that the proportions are said to vary by person.

    Q: What are the negative impacts of a poor credit score?

    A: To a lender, an individual with a poor credit score represents a big risk. In turn, more interest will be incurred on loan; insurance premiums will go up, career opportunities will diminish, finding a rental property will become nearly impossible, and utility companies will not go easy [7].

    Q: What is the minimum credit score requirement to buy a house?

    A: The minimum credit score required for a mortgage is 680. If it is low, then you must improve your credit score. However, the higher the score, the higher the odds of being qualified for one [8].

    Q: Is it possible to get a free credit report?

    A: Yes, everyone is entitled to one free copy of a credit report every 12 months from each of the three credit reporting companies. To get started, individuals will have to visit, as it is the only online platform that guarantees free reports [9].

    Q: To what extent are credit repair services legitimate?

    A: Yes, there are many legitimate credit repair services out there. However, there is an equal number of scam companies as well. We ask everyone to refer back to our list of 2021’s best credit repair services above.

    Q: Is it possible to repair credit scores by oneself?

    A: Yes, it is possible to repair credit scores on one’s own. The reason why outside help is usually sought is that they are experts in the field who can help to speed up the process. To get started, individuals will need to get their credit reports generated, and from there, time will be needed to fix possible errors, take actionable steps toward rebuilding credit, maintain a balanced debt-to-credit ratio, etc.

    The Top 14 Credit Repair Services Final Thoughts

    Credit repair agencies can be the game changers to boost your credit score. Credit scores are a big deal for people hoping to financially support themselves and their families, and credit repair companies work to improve it through credit monitoring. Above all, it is needed to secure loans essential for home-buying and/or owning a vehicle.

    Many people have the impression that once a credit score plummets, there is no turning back, but this is merely a myth. Fortunately, credit repair companies exist for this exact reason. Precisely, they take the guesswork out of understanding and revamping credit scores while educating consumers on the basics to the more advanced aspects.

    Our Credit Repair Service top picks aim to serve the people by offering as many opportunities as possible to improve your credit score. To think that individuals can turn their lives around at a fraction of the cost is impressive! Sure, rectifying credit scores can be done on one’s own, but that requires a lot more time and effort, both of which can be used elsewhere. Until our next update on top credit repair services in the U.S., we hope our guide motivates everyone to give themselves a second chance.

    ALSO READ: Top 26 Best Mattresses of 2021: Buy from Top Mattress Brands

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    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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