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Best Credit Repair Services Review

We reviewed the best companies for credit repair.

Credit scores have become an important element of most people’s lives. They are used to consider whether applicants can purchase a house, get a job or even rent an apartment. There are many companies that offer to help you fix your credit but choosing amongst them can be difficult.

There are lots of credit repair companies and although there are federal protections against fraud, it is helpful to have some guidance as to the best companies out there. The following companies are well positioned to help customers go through the credit repair process.

Pyramid Credit Repair Review

  • Price – Pyramid is one of the best options if you’re looking for cheap access to credit repair. There’s no application fee and they’ll provide you with a free credit assessment, which is a great way to understand how they may be of help to you. If you do decide to proceed with Pyramid, the fee is $99 per month. The great thing is that you won’t have to sign any long-term contracts, a rarity in the world of month-to-month credit repair. They also give you your money back if they’re unable to improve your score.
  • Features – One of the components that differentiates Pyramid from competitors is your dedicated team member – a staff member that is assigned to work your case from start to finish. This is a great advantage as it means that you have a specific person with knowledge of your case that you can contact at any time – you can even text your team member! As mentioned previously, you also get a free credit assessment which can help you determine how eligible you are for credit repair before you make any payments.
  • Cancellation – Unlike many credit repair companies, you’re not locked into any long-term contracts. If you feel that you’re not getting results or that you can’t afford your credit repair, you can cancel at a moment’s notice.
  • Reputation – Pyramid has a longstanding reputation for professionalism in their industry. Past clients have raved about their services online – you can find numerous positive reviews on various consumer watchdog groups.  Pyramid is very transparent about their methods and aim to be as upfront as possible with prospective clients – if they don’t feel they can help you, they’ll let you know.
  • Guarantee – One reason consumers choose Pyramid is the 90-day money back guarantee – if you’re not satisfied they’ll give you a full refund. This protects you from the off chance that they’re unsuccessful.
  • Customer Service – As mentioned previously, you get you own team member to work with throughout the duration of your credit dispute. They also give you access to a customer portal 24/7 – it provides you with all the information you need to stay up-to-date with your application. You’ll find that Pyramid has a great reputation for customer service – they’re online reviews speak for themselves.

The Credit People Review

  • Price: has just one tier of service which includes all of their bells and whistles and this costs $99.95
  • Cancellation:’s fee is billed on a monthly basis and can be cancelled at any time.
  • Reputation: comes with an A+ rating from the Better Business Bureau and has a very solid reputation.
  • Guarantee: The one thing that has made most interesting is the fact that you will only be charged monthly once they have finished all the work you had agreed upon.
  • Customer Service: reduces the burden for customers as they are known to have an amazing and easy to use interface.

Credit Assistance Network Review

  • Price: Credit Assistance Network’s services offer you with a free credit analysis once you leave them with a contact information. However, it has an initial fee of $179 per individual and $279 per couple on the first payment.
  • Cancellation: Credit Assistance Network does not disclose cancellation details.
  • Reputation: Credit Assistance Network is among the few that has stood the test of time since 2004 and so, you can trust the company. In addition, it has helped more than 12,00 people in the past decade and gained BBB accreditation in 2004. They also have TrustWave validation, something that most repair services lack, along with a 4 Star rating from Trust Link.
  • Guarantee: Credit Assistance Network seriously complies to Federal and State Laws.
  • Customer Service: As a client, you get all-access 24/7 to a personal portal. In addition, you can reach them via a toll free phone, fax and email.

Lexington Law Review

  • Price: Lexington Law provides you with an opportunity to choose from the three different tiers of services, the first tier costs $79.95/month, $99.95/month and the last tier costs $119.95/month.
  • Cancellation: These services are billed on a monthly basis and can be revoked at any point.
  • Reputation: Lexington Law is the only repair service that is purely run by lawyers, hence, has a very strong reputation when compared to other repair services. In addition, it also has an A- rating from the Better Business Bureau.
  • Guarantee: They only charge you for work that has been done on your report.
  • Customer Service: Lexington Law has a very helpful customer service system such as their telephone service which is 24/7 along with their email and chat services.

Sky Blue Review

  • Price: Sky Blue has the lowest prices with the initial fee of $59 and a monthly fee of $59.
  • Cancellation: Sky Blue’s services are billed on a monthly period and can be cancelled at any time.
  • Reputation: Sky Blue is one of the top credit repair services with an A+ rating from Better Business Bureau and some top ranking review sites.
  • Guarantee: Sky Blue is just but a few of repair services that have a full 90-day refund and they don’t ask for specific reasons for cancellation.
  • Customer Service: One of the most unique thing about Sky Blue is their customer service, they offer the best services so far with 24/7 feedback from the company, which is very unusual for a repair service company. Review

  • Price: has just one tier of service which includes all of their bells and whistles and this costs $99.95
  • Cancellation:’s fee is billed on a monthly basis and can be cancelled at any time.
  • Reputation: comes with an A+ rating from the Better Business Bureau and has a very solid reputation.
  • Guarantee: The one thing that has made most interesting is the fact that you will only be charged monthly once they have finished all the work you had agreed upon.
  • Customer Service: reduces the burden for customers as they are known to have an amazing and easy to use interface.

Features of the Best Credit Repair Companies

Working with Credit Repair companies guarantees you of the following:


Adjust any errors on your credit reports.


Help improve your FICO score.


Negotiate with your lenders by sending them letters of good faith to remove negative items.


Look for your credit report from the three credit bureaus that is Equifax, Experian and TransUnion.


Remove negative items on your credit reports through known loopholes.

Best Credit Repair Companies

How do Credit Repair services work?

Credit Repair services work by changing or removing items from your credit report that end up dragging down your credit score. These repair services look for ways of adjusting mistakes such as negotiating with lenders to remove or change the negative reporting, or utilizing lawful loopholes and credit reporting rules and regulations to remove any of the negative items placed there.

Of course, you can do this by yourself but working with professionals who are aware of the procedure and have done this for a long time have a better understanding of how credit works. However, unlike credit cards and online loans, there is no approval process when it comes to credit repair.

What Credit Repair Companies Do

The first thing they do is they assess your credit situation by evaluating the credit reports. You will have to provide all relevant documents and information to them.

Then, the company will provide you with a plan of action that thinks is best to improve your credit score whether it is fixing some errors or sending letters of good faith to your lenders to remove negative items.

Once you’ve gone through the plan, then you can give the company the green light. Bear in mind that at first, things will seem to be moving slowly, and this is because inquiries and contentions all at once can raise red flags with credit bureaus, hence, it is better to move slowly at first.

What kind of Credit Repair service can I expect to see?

This depends on your credit report. If you have a lot of errors like having some misreporting from your lenders or factual errors, then the services will start with fixing those errors.

However, if you have a good history of your credit usage in the past or even just in the past few years, the repair service will easily negotiate with your lenders ensuring that negative items are removed from your credit reports. With repair services, you do not have to worry about negative items that lenders would traditionally refuse to remove.

Credit Repair services work together with credit bureaus within 30 days to verify the information and have your negative items removed. These are just a few ways that Credit Repair services can help you remove negative items on your credit report.

What you need to know

Pyramid Credit Repair

Sign up – Pyramid Credit Repair

Pyramid is one of the leading credit repair companies operating in the United States. They have an outstanding track record for success and customer satisfaction.

Unlike many leading competitors, Pyramid provides you with a personal case worker that is the only assigned staff member on your file. This means that you only have to deal with one staff member every time you have an enquiry about your file. They also provide you with access to a 24/7 portal from which you can manage and view the progress of your credit repair.

They provide prospective clients with a free credit analysis prior to signing any agreements – this aims to provide you with a comprehensive understanding of what on your report needs fixing.

What it Costs

Pyramid has no application fee and provides prospective clients with credit analysis free of charge. If you do decide to work with Pyramid, their services cost $99 a month – there are no added charges or hidden fees. In addition, you don’t have to sign any contracts – you can cancel the service at any time. They also provide a 100% money back guarantee within the first 90 days of your program – if you don’t like your results, you’ll get a full refund.

The Credit People

Sign up – The Credit People

The Credit People seem to be a more direct and honest company than most. Their services are monthly and they offer a six-month flat fee cost with the option to cancel at any point. Their most attractive features are their seven-day $19.00 free trial period and their 100% money back guarantee. Their track record seems to show that they are prompt and efficient in their research and are often successful in identifying loopholes that allow negative items to be removed as well as negotiating with companies to remove items that may be legitimate but forgivable.

Credit Saint

Sign up – Credit Saint

This company has an A+ rating from the BBB, which is almost unattainable in this industry. They have several levels of service, mostly distinguished by their cost and intensity. They provide free consultations and seem very honest about the cost of their services. There is an initial fee of under $99, as well as monthly fees that vary from from $49.99 to $99.99 depending on which package is purchased. Unlimited reports, 24/7 free phone consultations with live representatives and a 90-day money back guarantee are some of the more attractive qualities of their services. Their reputation is sterling with their customers which is no doubt the best measure of their value.

Credit Assistance Network

Sign up – Credit Assistance Network

The Credit Assistance Network website is less than forthcoming about the details of their services. However, their 13-year tenure and their ratings with consumers speak well for their business. They have an up-to-date website with portal access that allows customers to follow the progress of their services 24/7, as well as email and one promised personal consultation with one of their agents.

The company initially provides a free credit repair evaluation and afterwards offers at least two levels of service. They offer a reduced price for couples so it seems likely that they specialize in helping prospective homeowners guarantee their creditworthiness before they apply for their home loan. Credit Assistance Network offers a 20% discount for referrals from current clients and a money back guarantee, although the terms of the guarantee are not spelled out on their website. They also agree to send unlimited number of dispute letters to creditors and persistence does produce results. Their services are monthly and can be cancelled, although the terms for cancellation are also less than clear. The lack of detail is not necessarily a sign that they are shady, since they are accredited by the BBB.

Lexington Law Credit Repair

Sign up – Lexington Law

Ultimately, a credit relationship is based in a contract between the borrower and the creditor. That is why it is such an attractive option to use a company that has legal expertise to repair credit. The Lexington Law company has three levels of service: the initial is standard removal of inaccurate items and solicitation of credit forgiveness by the companies that have items listed on the report. The second level provides additional services and monitoring, and the third provides fraud protection, monitoring and some financial planning tools to avoid future credit issues. Their services are monthly and can be cancelled.

The fact that they are familiar with the federal laws that require credit agencies to be responsive to their inquiries and to remove items in a timely manner is an indisputable advantage to their services. The placement of items is also ruled by law, and their expertise and reputation can only be of value in negotiations. The most valuable quality is that they have the boldness of lawyers and the legal skills to back up their services.

Sky Blue Credit Repair

Sign up – Sky Blue Credit Repair

This is one of the best companies to use if you know that your credit is repairable and all that is needed is an agent to negotiate with the credit reporting agencies to ease the process. Their services are geared toward the more basic steps in the credit repair process: they will get inaccurate items removed, begin disputes and send goodwill letters. These are the basic actions most credit repair companies provide, but they often add unnecessary services. Sky Blue keeps their costs down by handling their clients’ business through the most common and effective means. That allows them to offer their services for a lower monthly price than most companies; $59.99 to start the process and $59.99 per month for the monthly services.

Given how many customers they have served, Sky Blue has an amazing number of positive credit repair reviews from their clients. They have received an A+ rating from the BBB, which is very rare in the credit repair industry. No doubt this is related to the fact that they offer a 90 day no questions asked guarantee.

Sign up –

This company provides the most up-to-date and thorough services of any on the list. They have portal services to allow the client constant access, a broad range of services that encompass the possible credit repair avenues and do not accept payment for their services until they are completed, which is literally unheard of. They enjoy an A+ rating from the BBB, also a very rare occurrence. Their style is to get the credit agencies and your creditors to justify their comments and follow up by confirming the removal of items from your report.

Final Thoughts and Guidance

The basic services that any credit repair company should provide are researching your credit report, identifying items that could be removed and negotiating with creditors for their removal, as well as correcting inaccuracies and repetitions on your report. They should also confirm that all item removals have been recorded by the agencies and that your score has been adjusted accordingly. It is important to look for the terms of their guarantees and the pace of their services, since the cost of the service is calculated over time. Credit repair services are becoming more necessary as credit scores are more frequently used when assessing a person’s credibility and trustworthiness. It is important to choose a company that will best serve your needs in the least amount of time possible.