The top credit repair companies to help you improve your credit score.

A credit repair company could be beneficial if you need assistance in improving your credit score.

Credit repair companies provide various services, but mainly focus on challenging incorrect information on your credit report. They handle the dispute process on your behalf. Although you can dispute items on your credit report without any cost, credit repair companies can offer additional assistance if required.

CNBC Select has compiled a list of the top credit repair companies based on various factors, including fees, customer satisfaction ratings, company history, availability, and money-back guarantees. (For more information on our methodology, please see below.)

Best credit repair companies

Best overall: Credit Saint Credit Restoration
Runner-up: The Credit People
Best for customer satisfaction: The Credit Pros
Best for couples: Sky Blue Credit Repair

Best overall

For individuals seeking to enhance their credit through a credit restoration company, Credit Saint provides various levels of service and positive customer satisfaction ratings.

The company provides a complimentary consultation for new clients and guarantees their work with a 90-day refund policy.

Runner-up

What are the three tiers of service offered by The Credit People, and do all three include the ability to make unlimited challenges across all three credit bureaus?

If you're not satisfied with our service, a satisfaction guarantee can help you waive your current month's fee and receive a refund for the previous monthly service fee.

Best for customer satisfaction

What is the purpose of The Credit Pros, which utilizes artificial intelligence and provides three levels of service for credit repair programs?

Credit monitoring is included in all plans at no extra cost, making it easier to detect fraud. Despite not being accredited by the Better Business Bureau (BBB), this credit repair company has received a high rating of 3.93 out of 5 stars from 122 customer reviews, the highest among the companies we evaluated.

Best for couples

Sky Blue offers discounted rates for adding a spouse or partner to the credit repair program, while other companies charge a second fee.

Unlike many other companies, Sky Blue provides a single credit repair service option, meaning you won't have to upgrade to more expensive packages to access additional features.

Credit Saint

Credit Saint has been in the credit repair industry for more than 15 years and has an A rating from the BBB, as well as high customer satisfaction ratings from the bureau.

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
$99.99 for the Credit Remodel package
$129.99 per month for the Clean Slate package

The Credit People

Since its inception in 2001, The Credit People has assisted over 100,000 individuals in improving their credit scores and reports.

First work fee

$19

Monthly fee

The standard package costs $79, the premium package costs $99, and the company provides a six-month flat-fee option for $499.

The Credit Pros

For 14 years, The Credit Pros has been serving customers in 46 states.

First work fee

$119 for the money management package
$129 for the prosperity package
$149 for the success plus package

Monthly fee

$69 per month for the money management package
$129 per month for the prosperity package
$149 per month for the success plus package

Sky Blue Credit

Sky Blue Credit, established in 1989, is the oldest company we evaluated and has been active in the credit repair industry. Despite not being accredited by the BBB, it has a 3.25 out of 5 stars rating.

First work fee

$99 (review/setup fee)

Monthly fee

$99 per month

How credit repair works

The success of credit repair hinges on challenging incorrect and unfavorable entries on your credit report. Credit repair agencies operate on your behalf to eliminate these items by interacting with the three credit bureaus (Experian, Equifax, and TransUnion) and/or financial institutions, such as your bank or a debt collector, to contest the inaccuracies.

Unlike credit counseling, which is typically organized by a non-profit organization and helps you develop a budget, obtain credit reports, and create debt management plans, this service is not the same.

According to the Consumer Financial Protection Bureau, a reputable credit repair company should never request payment upfront.

Bottom line

A credit repair company can assist you in disputing inaccurate information on your credit report if you have tried other methods to improve your credit scores or are unable to do so yourself.

Why trust CNBC Select?

Our mission at CNBC Select is to deliver top-notch service journalism and in-depth consumer advice to our readers, enabling them to make well-informed decisions when it comes to managing their finances. Each credit repair review we publish is the result of thorough reporting by our team of expert writers and editors, who possess extensive knowledge of the credit repair industry. At CNBC Select, we maintain the highest journalistic standards and ethics, and we earn a commission from affiliate partners on many offers and links. However, our content is created independently by our team, without any input from our commercial team or external third parties. To learn more about our methodology and how we select the best credit repair companies, please refer to our website.

Our methodology

Over a dozen U.S. credit repair companies were analyzed by CNBC Select to determine the best options.

We focused on these features when evaluating the top credit repair companies.

We examined credit repair companies that charge the lowest fees and are transparent about their costs, which are displayed on their websites.
To obtain Better Business Bureau accreditation, companies must adhere to standards for transparency, honest advertising, trustworthiness, responsiveness, and privacy, among other requirements.
We evaluated customer satisfaction by examining ratings and the number of reviews submitted on the BBB website.
We evaluated the length of time a debt relief company has been in business when making our decision.
We prioritized states with more widely available service when considering the number of states where the service is available.
Discounts available. Some companies offer discounts for certain types of customers.
If customers are not completely satisfied with a company's product or service within the first 90 days of joining, many companies will offer a money-back guarantee.

We ranked our recommendations based on the best overall, runner-up, discounts, customer satisfaction, and couples.

Stay up to date with CNBC Select's in-depth coverage of credit cards, banking, and money by following us on TikTok, Facebook, Instagram, and Twitter.