The best credit repair companies of May 2025

Credit repair focuses on disputing inaccurate information on your credit report and going through the dispute process for you.

While you can dispute items on your credit reports yourself, credit repair companies have extra tools in their arsenal.

CNBC Select rounds up the top credit repair companies based on fees, customer satisfaction guarantees and other factors. (Read more about our methodology below.)

Who's this for: Credit Saint offers a free consultation for new customers and backs its work with a 90-day money-back guarantee.

Standout features: The Clean Slate plan includes unlimited challenges to the three credit bureaus, as well as a score tracker, online chat, access to personalized educational information and creditor intervention letters

[ More on Credit Saint ] 

Who's this for: The Credit People has three tiers of affordable services, with a first work fee of just $19. All plans allow you to file unlimited challenges across all three credit bureaus.

Standout features: The money-back guarantee can give you back previous and current months' fees if you're not seeing progress.

Standout features: [ More on the Credit People]

Who's this for: The Credit Pros has an A from the Better Business Bureau and received hundreds of positive reviews on TrustPilot, earning 4.9 out of five stars from customers.

Standout features: All plans include free credit monitoring, making it easier to spot potential fraud.

[ More on the Credit Pros ] 

Who's this for? Credit Firm doesn't cap how manydisputes and challenges you can file with credit bureaus, a feature most competitors only offer as an upgrade.

Standout features: Credit Firm works in all 50 U.S. states and doesn't charge a first work fee, making it more affordable than other companies.

[ More on Credit Firm ] 

Who's this for? Sky Blue Credit Repair offers a 50% discount for couples and will repair up to 15 items every 35 days. 

Standout features: Sky Blue offers one-on-one coaching via phone for advice on building and maintaining your credit score.

[ More on Sky Blue ] 

Credit repair companies will dispute negative and inaccurate items on your credit reports with the three main credit bureaus. They'll also liaise with your bank or other creditors to dispute information.

Here's how the process works:

Sign up: You'll enroll with the credit repair company you want to work with. Typically, you'll pay a first work fee a few days after enrolling, which is an initial charge for starting services. You'll need to provide the company with your information.

Assessment: Your credit repair company will review your credit report and identify negative, inaccurate items that could be removed.

Make disputes: Your credit repair company will start sending dispute letters to the three credit bureaus, asking to remove inaccurate information. Credit repair companies cannot remove accurate negative information.

Monitor your score: Oftentimes, these credit repair companies give you access to a dashboard that can help you track and monitor your score. Keep an eye on this to ensure your credit is rising as promised.

You can do most of these things on your own, including reviewing your credit report for errors and sending dispute letters to credit bureaus ( the CFPB has a template), but many people prefer the support of an outside company.

Credit repair companies are different from credit counseling programs, which are usually run by non-profits and focus on helping you budget and create a debt management plan.

Credit repair companies start with an upfront charge, called a "first work fee," and have monthly fees for their services.

The first work fee can be between $79 and $195, while monthly charges range from $69 to $149.

The amount of time it takes to remove negative items from a credit report depends on the number and nature of items to be addressed and the steps taken to rectify the situation.

If you're reporting an error, you may see an increase in your credit score in as little as three months. If you're trying to address late payments or other legitimate dings to your score, they can remain on your account for up to seven years.

• Payment history: Your history of making on-time and in-full payments accounts for 35% of your score, making it the largest single factor.
• Overall debt load: The balances on outstanding loans and the amount of available credit you're using accounts for 30% of your score.
• Length of credit history: The average age of all your credit accounts makes up 15% of your score.
• Amount of new credit: The number of inquiries you've made for new accounts makes up 10% of your score..
• Credit mix: How well you're balancing credit cards, mortgages, auto loans and other loan types accounts for 10% of your credit score.

Since its founding in 2004, New Jersey-based Credit Saint has helped over 200,000 people repair their credit. It operates nationwide except in South Carolina, Kansas, Mississippi, Oregon, Maine and Washington, D.C.

First work fee

• $99 for Credit Polish package
• $99 for Credit Remodel package
• $195 for Clean Slate package

Monthly fee

• $79.99 for the Credit Polish package
• $109.99 for the Credit Remodel package
• $139.99 per month for the Clean Slate package 

[ Return to summary ] 

Launched in 2001, The Credit People is a streamlined service ideal for clients on a budget. Other offerings include credit score tracking, monthly credit scores and unlimited disputes. Premium members have access to higher-level interventions.

First work fee
$19

Monthly fee
$99 for the standard package
$119 for the premium package.
$599 for six-month flat-fee option

[ Return to summary ] 

Since its founding in 2009, the Credit Pros has helped more than 1 million customers with services like credit repair, identity monitoring, budgeting, cease and desist letters, dark web monitoring and automated fraud alerts. Its top-tier repair and build credit package also offers an optional credit-builder loan.

It does not accept clients from Kansas, Maine, Minnesota or Oregon. In 2022, the company ran afoul of the Telephone Consumer Protection Act for allegedly using auto-dialers and text bots to solicit customers.

First work fee

• $119 for the build credit package
• $129 for the repair credit package
• $149 for the repair + build credit package

Monthly fee

• $69 per month for the build credit package
• $129 per month for the repair credit package
• $149 per month for the repair + build credit package

[ Return to summary ] 

Since 1997,Credit Firm has helped thousands of people remove negative items from their credit reports, from late payments to charge-offs. It only has one plan, but there is no first work fee and you get an unlimited number of disputes for less than $50 a month.

However, there is no money-back guarantee, a feature many other credit repair companies offer.

First work fee

• None

Monthly fee

• $49.99 per month for individuals, $89.99 per month for couples

[ Return to summary ] 

Founded in 1989, Sky Blue Credit offers on-call credit coaches and claims to resolve disputes faster than the competition. Full service and premium plans add creditor interventions, cease and desist letters, debt validation letters, credit-building tools and more.

You can enroll online and pause your membership whenever you want, although credit disputes are limited to five per bureau every 35 days.

First work fee

• $79 for basic service
• $99 for full service
• $119 for premium service

Monthly fee

• $79 per month for basic service
• $99 per month for full service
• $119 per month for premium service

[ Return to summary ] 

At CNBC Select, our mission is to provide our readers with high-quality service journalism and comprehensive consumer advice so they can make informed decisions with their money. Every credit repair review is based on rigorous reporting by our team of expert writers and editors with extensive knowledge of credit repair services. While CNBC Select earns a commission from affiliate partners on many offers and links, we create all our content without input from our commercial team or any outside third parties, and we pride ourselves on our journalistic standards and ethics.

CNBC Select analyzed more than 20 U.S. credit repair companies, focusing on the following features:

Cost: Credit repair companies charge both first-work fees and monthly fees for their services. We focused on those with the lowest fees and who were transparent about their fee structure.

Services: We noted if a provider offered services beyond basic credit review, including identity theft protection and budget tools

Customer satisfaction: We considered the grade a company received from the Better Business Bureau as well as both the rating and the number of reviews received.

History: We considered the number of years a credit repair company had been in operation

Availability: We weighed companies more heavily if they had widespread availability across the U.S

Discounts and guarantees: We favored companies that offer refunds within the first 90 days and that had discounts for certain types of customers.

We also considered CNBC Select audience data when available, such as general demographics and engagement with our content and tools.

Based on that criteria, our picks for the best credit repair companies are:

• Best for money-back guarantee: Credit Saint Credit Restoration
• Best for affordability: The Credit People
• Best for customer satisfaction: The Credit Pros
• Best for unlimited disputes: Credit Firm
• Best for couples: Sky Blue Credit Repair

Catch up on CNBC Select's in-depth coverage of credit cards, banking and money, and follow us on TikTok, Facebook, Instagram and Twitter to stay up to date.