2018 Best Credit Repair Companies

Established in 1991 and with over twenty years of experience, Lexington Law has helped its clients remove over 12 million negative items from their credit reports. As an industry leader, Lexington Law is eager to help you raise your credit score by utilizing their established program while selecting which option works best for your situation and budget.

With three levels of service offered, you'll be sure to find the right product. Founded in 1989, Sky Blue Credit Repair's 24 years of experience in the credit repair industry gives it the ability to effectively help their customers remove negative items from their credit reports. Sky Blue Credit Repair's record speaks for itself.

Customer service comes first with Sky Blue Credit. A dedicated team is there to help so you don’t have to navigate the complicated and daunting process of credit repair alone. Having a good credit score is an important part of life. They have a simple process to remove negative items from your credit report including collections, charge offs, liens, bankruptcies, reposessions, foreclosures and judgments.

They contact the three major credit bureaus to remove negative items and raise your credit score. Credit Repair Resources was formed in 2007 with the mission of helping consumers navigate the confusing world of credit reports and repair. Since then, Credit Repair Resources has been a bright light in the industry.

By focusing on consumer advocacy, it’s built a stellar track record of making clients happy. In fact, its business is largely referral-based, and as testimonials go, you can’t beat word of mouth. The Credit People was founded in 2001 to help you navigate the credit report review and dispute process.

The Credit People is a full service company that will handle your case completely from start to finish, allowing you to be as involved as little or as much as you choose. The Credit People often gain results within 60 days, although each case is different. It also offers a fee structure unique to this company.

Choosing to pay off those debts that are still well within the statute of limitations -- while saving those that have fallen outside this statute until last -- enables a consumer to get a fresh start with their credit profile. A skilled credit repair consumer advocacy group has the knowledge and ability to take a close look not only at the face value of the outstanding debts a consumer presents, but also suggest steps to clean up the credit profile. While this takes time, it is well worth the extra effort to get a fresh head start without necessarily having to file for bankruptcy or making financial promises that are hard to keep.

If debt is getting you down or you have a bad credit history there is free help available. If you pay a debt solution company just remember that they may not always be able to do what they claim and can charge high fees for things you can do yourself. Here we explain what credit repair companies can and can't do for you, how to save money by fixing your own credit and how a free financial counsellor can help you if you are struggling.

Credit fix', 'credit wash' or 'credit repair' companies act on your behalf to challenge incorrect listings on your credit report. They may tell you they can fix your credit history and solve your debt problems but, in many cases, they may not be able to do what they say they can.

You could end up paying a lot of money without being any better off. Credit repair companies may claim they can improve your credit rating by having negative information removed from your credit report, but default listings and other correct historical information cannot be removed. Plus, you can arrange for any wrong information to be removed yourself for free.

See how to fix your own credit problems below. When Toni moved house, she told the phone company about her change of address, but the following month they sent her bill to her old address. 120 on her credit report. When Toni found out about the listing, she signed up with a credit repair firm that said they could help her remove it.

1,000 for this service. In the meantime, Toni also lodged a complaint with the Telecommunications Industry Ombudsman (TIO) and the listing was removed due to her action. If Toni has any issues with her credit report again in future, she plans to use an Ombudsman to sort out her credit issues rather than going to a credit solutions company.