How we make this list: we compare pricing pages, product documentation and public user reviews. Ratings come from G2, Capterra or Trustpilot, with the date we checked them.
Key takeaways
- Credit Saint suits clear tiers and written guarantee terms, with plans from $79.99 to $139.99 per month and a 90-day money-back guarantee.
- Sky Blue Credit suits the lowest monthly price, with plans from $79 to $119 per month and no setup fee in guides.
- The Credit Pros suits monitoring bundled with repair, though its $69 plan covers credit building only in one guide.
- The Credit People suits a capped total cost, with a $599 flat rate for 6 months in guides.
- Dovly suits the lowest monthly price among full services, at $39.99 per month with no setup fee in guides.
- Ovation Credit suits a personal case advisor, with plans from $79 to $109 per month and an $89 setup fee.
- Credit Glory suits inquiry-heavy reports, at $99 per month with a $199 setup fee in guides.
- Credit Firm suits a flat monthly fee with no first work fee, at $49.99 for individuals and $89.99 for couples.
- Scam warning: no company can legally remove accurate negative items, upfront-fee bans apply under CROA, and you can dispute errors yourself for free.
Quick comparison
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The best credit repair company
Starting price$79.99 per month
Free planNo
Credit Saint suits clear tiers and written guarantee terms, with three clearly defined credit repair plans that vary by level of service and pricing, each including credit reports and scores access, one-on-one consultations, and dispute services. Founded in 2007, Credit Saint provides a 90-day money-back guarantee, one of the strongest refund policies in the industry in guides. Its monthly prices run $79.99 to $139.99 with a $99 to $195 setup fee in two guides, while a third guide lists monthly prices up to $199.99, so buyers should confirm current pricing.
Setup fees add to first-month cost, and monthly prices reach $139.99 on higher tiers. Credit Saint fits users who want clear tiers with written guarantee terms. This article is general information only, not financial advice, and no company can legally remove accurate negative items from a credit report.
What we like- Three clearly defined plans
- 90-day money-back guarantee
- Credit reports and scores access
- One-on-one consultations
Watch out for- Setup fee $99 to $195
- Monthly prices up to $139.99
- One guide lists monthly prices up to $199.99
Starting price$79 per month
Free planNo
Sky Blue Credit suits the lowest monthly price, with plans from $79 to $119 per month and no setup fee in guides, plus couples plans at $119 to $179 per month. Founded in 1989, Sky Blue emphasizes personalized attention and credit-building strategies, with no limits on actions taken on behalf of clients and a 90-day refund policy. Its six-month cost on the cheapest plan runs $474 in one guide, the lowest among the national companies compared there.
One guide lists a $79 setup fee, conflicting with guides that list none, and its basic approach may not suit complex cases. Sky Blue fits users who want the lowest monthly price with a 90-day refund.
What we like- Plans from $79 to $119 per month
- No setup fee in guides
- 90-day refund
- Couples plans $119 to $179
Watch out for- One guide lists a $79 setup fee
- Limited service options in one guide
- Basic approach may not suit complex cases
Starting price$69 per month
Free planNo
The Credit Pros suits monitoring bundled with repair, with free consultations and multiple programs including credit monitoring, ID theft restoration, and unlimited dispute letters. Founded in 2009, The Credit Pros offers pricing from $69 to $149 per month with a $119 to $149 setup fee in guides, plus a conditional refund policy. Its higher-tier plans add credit-building tools and debt management support.
Its $69 plan covers credit building only in one guide, while monitoring plans run $129 to $149 in another, so buyers should confirm which plan includes disputes. The Credit Pros fits users who want credit monitoring bundled with repair.
What we like- Free consultations
- Credit monitoring
- ID theft restoration
- Unlimited dispute letters
- Multiple programs
Watch out for- $69 plan covers credit building only in one guide
- Monitoring plans $129 to $149 in one guide
- Setup fee $119 to $149
Starting price$99 per month
Free planNo
The Credit People suits a capped total cost, with monthly plans from $99 to $119 or a $599 flat rate for 6 months in guides, plus a $19 setup fee and a 60-day refund. Founded in 2001, The Credit People offers quick setup and basic dispute services, with a six-month cost of $594 on the flat plan in one guide. Its flat rate caps total cost, unlike open-ended monthly billing.
Guides note limited success with complex issues and minimal customer support. The Credit People fits users who want a capped total cost with a flat 6-month rate.
What we like- $599 flat rate for 6 months in guides
- Setup fee $19
- 60-day refund
- Quick setup
Watch out for- Limited success with complex issues in one guide
- Minimal customer support in one guide
- Monthly plans up to $119
Starting price$39.99 per month
Free planNo
Dovly suits the lowest full-service price, at $39.99 per month with no setup fee in guides. Founded in 2019, Dovly offers the lowest monthly price among the full-service companies in one comparison, undercutting Sky Blue and Credit Saint by $39 or more per month. Its low price suits users who want dispute services without premium extras.
No refund policy appears in one guide, and its newer founding date trails rivals founded in 1989 to 2009. Dovly fits users who want the lowest monthly price for full-service repair.
What we like- $39.99 per month
- No setup fee
- Lowest monthly price among full services in guides
- Founded 2019
Watch out for- No refund policy in one guide
- Newer company than rivals
- Fewer features than premium rivals
Starting price$79 per month
Free planNo
Ovation Credit suits a personal case advisor, with plans from $79 to $109 per month and an $89 setup fee in guides. Its personal case advisor model gives each client a dedicated advisor, suiting users who want guided help rather than a self-serve portal. Its LendingTree association in guides adds brand familiarity.
Setup fees add to first-month cost, and monthly prices reach $109 on higher tiers. Ovation fits users who want a personal case advisor for their repair case.
What we like- Personal case advisor
- Plans $79 to $109 per month
- $89 setup fee
- LendingTree association in guides
Watch out for- Setup fee $89
- Monthly prices up to $109
- Advisor model may suit complex cases best
Starting price$99 per month
Free planNo
Credit Glory suits inquiry-heavy reports, at $99 per month with a $199 setup fee in guides. Its inquiry focus suits reports where hard inquiries dominate the negative items, and its single-price model keeps pricing simple. Its straightforward model suits users who want one price without tier decisions.
Its $199 setup fee is the highest in this list, and its inquiry focus may suit narrow cases best. Credit Glory fits users whose reports are heavy on inquiries.
What we like- Inquiry-heavy report focus
- $99 per month
- Straightforward single-price model
Watch out for- Setup fee $199, highest in this list
- Single-price model limits tier choice
- Inquiry focus may suit narrow cases
Starting price$49.99 per month
Free planNo
Credit Firm suits a flat monthly fee with no first work fee, at $49.99 for individuals and $89.99 for couples in guides. Its unlimited challenges and disputes to credit bureaus suit straightforward credit repair at an affordable price, with no first work fee to inflate the first month. Its flat model keeps total cost predictable.
Its lower profile trails larger rivals, and features need confirmation for complex cases. Credit Firm fits users who want a flat fee with no first work fee.
What we like- Flat monthly fee
- No first work fee
- $49.99 individuals and $89.99 couples
- Unlimited challenges and disputes
Watch out for- Lower profile than larger rivals
- Flat model limits tier choice
- Features need confirmation for complex cases
How we chose
We ranked companies on CROA compliance and refund policy, total 6-month cost including setup fees, resolution time, CFPB complaint volume, transparency about DIY alternatives, and refund or pause options, weighting consumer protection and total cost heavily. Companies scored on written guarantee terms, couples pricing, and dispute breadth. Prices come from 2026 published guides checked in October 2026, with conflicts flagged. Lexington Law and CreditRepair.com are deliberately excluded: one 2026 guide lists both as shut down after the CFPB action against their parent Progrexion, so they are not recommended here. Every company here runs a live credit repair business in 2026 with a public site.
How to pick a credit repair company
Start with the scam check, since it protects you before any comparison. No company can legally remove accurate negative items, no company can promise a specific score increase, and upfront-fee bans under CROA mean a company cannot charge you before performing services. If anyone promises to remove accurate negatives or asks for full payment up front, that is a red flag. Check CFPB complaints before signing, and look up the company in your state's credit services organization registry where one exists.
Next, compare total 6-month cost, not just monthly price, since setup fees swing totals from $474 at Sky Blue to about $900 at The Credit Pros in one guide. Ask whether the plan includes disputes to all three bureaus, whether refunds apply, and whether you can pause or cancel. Finally, remember the free alternative: you can dispute errors yourself for free under the FCRA, and the FTC found roughly 30 percent of credit reports contain errors, so many consumers have real items to dispute without paying. A paid company does legwork you could do yourself, so pay only when that legwork is worth the cost to you.
Frequently asked questions
Can a credit repair company remove accurate negative items?
No, no company can legally remove accurate, current negative information from your credit report, and none can promise a specific score increase. Companies can only dispute inaccurate, incomplete, or unverifiable items.
How much does credit repair cost?
Six-month costs run about $474 at Sky Blue to about $900 at The Credit Pros in one guide, before extra months, with monthly prices from $39.99 at Dovly to $149 at The Credit Pros and setup fees from $0 to $199. Compare total cost including setup fees, not just monthly price.
Is credit repair a scam?
Legitimate companies exist, but scams are common: red flags include promises to remove accurate negatives, demands for full payment up front, and guarantees of a specific score increase. Upfront-fee bans under CROA protect you, and CFPB complaint records reveal problem companies.
Can I repair my credit myself for free?
Yes, you can dispute errors yourself for free under the FCRA by writing to the credit bureaus and the furnisher, and nonprofit credit counselors offer free help. The FTC found roughly 30 percent of credit reports contain errors, so DIY disputes work for many consumers.
How long does credit repair take?
Most services need several months, with 6-month totals the standard comparison window in guides. Resolution time varies by item, bureau response speed, and whether items are verified or removed on first dispute.
Sources we checked (0)
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We review this list regularly. Vendors can request a listing, send updated pricing or ask about featured placement.
Shihab Mia · Founder, Rankite
Shihab has 5+ years in B2B and SaaS SEO. He writes Rankite's software buying guides from pricing pages, documentation and public user reviews. More about Shihab.
Credit Saint
Sky Blue Credit
The Credit Pros
The Credit People
Dovly
Ovation Credit
Credit Glory
Credit Firm