Best Credit Repair Companies for 2022 [In-Depth Reviews]

Disclaimer: This post may contain affiliate links. Please read my disclosure for more information.

the millennial money woman blog post "best credit repair companies"

In this article

When was the last time you checked your credit score

Credit scores are like a digital report card of how well you’ve been keeping up at managing your debt over time.

Think back to the last time that you applied for a/an:

  • Auto loan
  • Credit card
  • Personal loan

Were you declined or only qualified for a ridiculously high-interest rate because your credit score was too low?

If that was the case, there is a way to boost your credit score with a credit repair company.

Sneak Peek: Best Credit Repair Companies


Highest Rated Credit Repair Company: Credit Saint

MMW Rating
4.9/5

Most Experienced Credit Repair Company: Lexington Law

MMW Rating
4.7/5

Best Credit Repair App: CreditRepair.com

MMW Rating
4/5

Best DIY Credit Builder: Self

MMW Rating
4.9/5

What is Credit Repair?


Credit repair is when you or a credit repair company you hire reviews your credit situation by analyzing your credit report, reviewing discrepancies, and filing disputes to remove errors. 

The goal of repairing your credit is to boost your credit score, which in turn could help you save money, especially when it comes to big-ticket purchases (like a home or a car).

What do Credit Repair Companies do?


Credit repair companies work on your behalf to negotiate with your creditors (your lenders) and to work with the 3 credit agencies (
TransUnion, Equifax, and Experian). 

Credit repair companies boost your credit in several ways, including:

  • Reviewing your credit report
  • Negotiating with credit agencies
  • Disputing errors on your credit report
  • Advocating for the removal of errors on your credit report

Some of the items the credit repair companies remove on your credit report include:

  • Liens
  • Bankruptcies
  • Late payments
  • Debt collections

Why should you consider a credit repair company?

Repairing credit by yourself can be:

  • Stressful
  • Confusing
  • Time-consuming

Credit repair companies can save you the hassle and they know exactly what to look for to help you improve your credit score or fix inaccuracies on your credit report.

Although credit repair companies may cost you a little bit of money (I’ll discuss the costs below), the expense may be well worth it, to maintain your sanity!

Let’s jump in.

Best Credit Repair Companies for 2022


Although the credit repair industry does face its fair share of credit repair scams, the companies I mention below are certainly worth considering, based on their fees, customer reviews, success rates, and much more.

Highest Rated Credit Repair Company: Credit Saint


Credit Saint is an established company with award-winning customer service. The Better Business Bureau (BBB) awarded Credit Saint an A+ rating.

The firm is an experienced player in the industry, having provided credit restoration services for more than 15 years.

Credit Saint offers the following: 

  • A+ BBB Rating
  • Online Account Page
  • Flexible Cancellation Policy
  • Excellent Online Transparency
  • 90-Day Money-Back Guarantee
  • Award-Winning Customer Service

Let’s take a closer look at some additional Credit Saint statistics, below.

Credit Saint
Money-Back Guarantee

90 days

BBB Rating

A+

Monthly Cost

$79.99 to $119.99

+ a one-time $99 to $195 fee

Years in Business

16

Free Credit Consultation

Yes

Customer Service

- Phone
- Email
- Chat

Credit Saint offers 3 packages for you to choose from.

The first package is known as the Credit Polish.

Package 1 Credit Polish

Cost

$79.99 per month

+ a one-time $99.00 initial fee

What it offers
  • Score Tracker
  • Score Analysis
  • Creditor Interventions
  • Challenges to the 3 Credit Bureaus

The second package is known as the Credit Remodel.

Package 2 Credit Remodel

Cost

$99.99 per month

+ a one-time $99.00 initial fee

What it offers
  • Score Tracker
  • Score Analysis
  • Inquiry Targeting
  • Experian Monitoring
  • Creditor Interventions
  • Challenges to the 3 Credit Bureaus

The highest tier package is known as the Clean Slate.

Package 3 Clean Slate

Cost

$119.99 per month

+ a one-time $195.00 initial fee

What it offers
  • Score Tracker
  • Score Analysis
  • Inquiry Targeting
  • Experian Monitoring
  • Creditor Interventions
  • Unlimited Challenges to the 3 Credit Bureaus

Ultimately, Credit Saint certainly is one of the best credit repair companies for 2022.

Most Experienced Credit Repair Company: Lexington Law


If you’re looking for top-notch credit repair specialists to work on your behalf, then 
Lexington Law could be your best bet.

Lexington Law offers the following: 

  • Customized support 
  • 24/7 credit monitoring service
  • Employs attorneys and paralegals 
  • Credit education on their website and blog
  • Prolonged customer service hours for 7 days a week

Lexington Law is especially effective if your credit has been negatively impacted by the following:

  • Divorce
  • Medical bills
  • Student debt
  • Identity theft
  • Military service

Let’s take a closer look at some additional Lexington Law statistics, below.

Lexington Law
Average client employs Lexington Law for

6 Months

BBB Rating

Not BBB Accredited

Monthly Cost

$89.95 to $129.95

Years in Business

27

Money-Back Guarantee

Yes

Credit Reports

$14.99

Customer Service

- Extended Hours
- Phone
- Email
- Chat

Lexington Law offers 3 packages for you to choose from.

The first package is known as the Concord Standard.

Package 1 Concord Standard

Cost

$89.85 per month

What it offers
  • Bureau challenges
  • Creditor interventions

The next package is known as the Concord Premier.

Package 2 Concord Premier

Cost

$109.95 per month

What it offers

  • ReportWatch
  • InquiryAssist
  • Score analysis
  • Bureau challenges
  • TransUnion alerts
  • Creditor interventions

The all-inclusive package is known as the Premier Plus.

Package 3 Premier Plus

Cost

$129.95 per month

What it offers

  • ReportWatch
  • InquiryAssist
  • Score analysis
  • TransUnion alerts
  • Bureau challenges
  • FICO® Score tracker
  • Personal finance tools
  • Creditor interventions
  • Cease and desist letters
  • Identity protection resources

Lexington Law is a good option for those of you who want a professional, guiding hand to help you navigate the obstacles of repairing your credit. 

Best Credit Repair App: CreditRepair.com


If you’re looking for one of the best credit repair companies and apps out there, 
creditrepair.com might be the choice for you.

CreditRepair.com offers the following:

  • Mobile app
  • Credit score tracker
  • Text and email alerts
  • Personal online dashboard
  • TransUnion credit monitoring
  • Member Services for 6 days a week, extended hours

CreditRepair.com is especially effective if your credit has been negatively impacted by unfair, inaccurate or unverified items, such as the following:

  • Judgments
  • Collections
  • Bankruptcies
  • Foreclosures
  • Late payments
  • Repossessions

Compared to Lexington Law, CreditRepair.com’s services are not as extensive, however, the services themselves are 100% dedicated to improving your credit score. 

Let’s take a closer look at some additional CreditRepair.com statistics, below.

CreditRepair.com
Average client employs Lexington Law for

4-6 Months

BBB Rating

Not BBB Accredited

Monthly Cost

$69.95 to $119.95

Years in Business

8

Credit Reports

$14.99

Customer Service

24/7

CreditRepair.com offers 3 packages for you to choose from.

The first package is known as the Direct.

Package 1 Direct

Cost

$69.95 per month

What it offers
  • Inquiry assists
  • Bureau challenges
  • Goodwill intervention
  • Quarterly credit score updates

The second package is known as the Standard.

Package 2 Standard

Cost

$99.95 per month

What it offers
  • Inquiry assists
  • Bureau challenges
  • Goodwill intervention
  • Quarterly credit score updates
  • FICO® Score Inquiry Assist service

The highest tier package is known as the Advanced.

Package 3 Advanced

Cost

$119.95 per month

What i