March 22, 2026
The 5 Best Credit Repair Companies
Updated March 2026
Are you looking for the best credit repair companies because you found incorrect or negative information on your credit report? We are here to help.
At Firstcard, as a credit-builder card company, we help our cardholders build and rebuild their credit. Through this work, we partner with multiple credit repair companies and closely review how they approach disputes, pricing, and customer support.
In this article, we share the five best credit repair companies to help you choose the option that best fits your situation. If you're also dealing with medical debt affecting your credit score, some of these services can help with that too.
Comparison Table: Best Credit Repair Companies (Pricing Verified)
We reviewed hundreds of credit repair websites and selected the five best credit repair companies based on: years in business and track record, pricing transparency and setup fees, customer reviews and reputation, service features, and refund or cancellation policies.
| Company | Founded | Monthly Price | Setup Fee | Refund Policy |
|---|---|---|---|---|
| Lexington Law | 2004 | $139.95 | $0 | No |
| Dovly | 2019 | $39.99 | $0 | No |
| The Credit Pros | 2009 | $69–$149 | $119–$149 | Yes (conditional) |
| Credit Saint | 2007 | $79.99–$139.99 | $99–$195 | Yes (90-day) |
| Sky Blue Credit | 1989 | $79–$119 | $0 | Yes (90-day) |
Let's review these 5 best credit repair companies one by one.
Lexington Law Review
- Founded: 2004
- Monthly Price: $139.95
- Setup Fee: $0
Lexington Law is one of the most recognizable names in the credit repair industry. It operates using a legal-style framework and has been in business for more than two decades. Lexington Law has served over 10 million clients since 2004. Read our full Lexington Law review for a detailed look at their services.
Pros
- Long operating history
- Strong brand recognition
- Team of lawyers guiding the credit repair process
- Over 10 million clients served since 2004
- No setup fees
- Dedicated mobile app to track progress
Cons
- No refund policy
Best for: People who want a traditional, established credit repair firm and are comfortable paying a premium for experience.
Lexington Law Firm
Lexington Law helps clients reach their credit score goals through lawyer-guided credit repair, working to challenge inaccurate and unfair items like late payments or collections on their credit reports.
Monthly Price
From $139.95/mo
Setup Fee
$0
Money Back Guarantee
No
Year of Founded
2004
Dovly Review
- Founded: 2019
- Monthly Price: $39.99
- Setup Fee: $0
Dovly takes a very different approach from traditional credit repair companies. It combines automation with guided credit improvement tools, making it one of the most affordable options available. Dovly leans more toward a tech-driven platform than a hands-on service. Read our full Dovly credit repair review for a closer look at how their AI-powered system works.
Pricing
- Monthly fee: $39.99
- Setup fee: $0
- There is no money-back guarantee.
Pros
- One of the lowest monthly prices on the market
- No setup fee
- Easy-to-use dashboard
Cons
- Less personalized support
- Automation may not fit complex cases
Best for: People who want a low-cost, modern platform and are tech-savvy and comfortable being more involved in the process.
Dovly
Boost Your Credit Score by 34+ Points - Free. Fix errors, build credit, and protect your score using Dovly AI's smart credit engine.
Monthly Price
$0 (Free plan available)
Setup Fee
$0
Money Back Guarantee
No
Year of Founded
2018
The Credit Pros Review
- Founded: 2009
- Monthly Price: $69–$149
- Setup Fee: $119–$149
The Credit Pros offers three plans that differ in their focus on credit building, credit repair, or a combination of both. All plans include credit monitoring tools, fraud alerts, and account syncing, while higher-tier plans add dispute-related services.
The Credit Pros offers a money-back guarantee under certain conditions.
Pros
- Unlimited disputes on eligible plans
- Spanish-language website available
- Additional credit building and monitoring tools included
- Refund policy available
Cons
- Setup fee required
Best for: People dealing with multiple negative items who want aggressive monthly dispute activity.
Credit Saint Review
- Founded: 2007
- Monthly Price: $79.99–$139.99
- Setup Fee: $99–$195
Credit Saint offers three clearly defined credit repair plans that vary by level of service and pricing. Each plan includes access to credit reports and scores, one-on-one consultations, and dispute services. Credit Saint has worked in the credit repair industry since 2007 and provides a 90-day money-back guarantee.
Pros
- Refund guarantee
- Very long operating history
- Lower-priced entry tier compared to many competitors
Cons
- Fewer extra tools than some competitors
Best for: People who value guarantees and want a well-established company with a balanced approach.
Credit Saint
Since 2007, Credit Saint has helped 250,000+ Americans escape credit problems beyond their control. Call us at (657)444-3988 if you have any questions about our services!
Monthly Price
$79.99 - $139.99
Setup Fee
$99-$195
Money Back Guarantee
90 days
Year of Founded
2007
Sky Blue Credit Review
- Founded: 1989
- Monthly Price: $79–$119
- Setup Fee: $0
Sky Blue Credit is one of the longest-operating credit repair companies in the U.S., founded in 1989. It offers a simple, plan-based pricing structure with a clearly disclosed first work fee and monthly billing that starts after signup. One notable feature is its couples pricing, which provides a meaningful discount compared to individual plans. Sky Blue also offers a 90-day money-back guarantee and allows users to pause or resume service at any time.
Pros
- Refund guarantee
- Very long operating history
- Lower-priced entry tier compared to many competitors
Cons
- Fewer extra tools than some competitors
Best for: People who want a simple service with a strong refund policy and no upfront fees.
Frequently Asked Questions About The Best Credit Repair Companies
Who Should Use a Credit Repair Company?
Credit repair may make sense if: your credit report has errors or outdated information, you do not have time to manage disputes yourself, or you want guidance through the process. It may not be necessary if your report is accurate but your score is low due to utilization or other factors, or you expect guaranteed results.
Is Credit Repair Legal?
Yes. Credit repair is legal under U.S. law. The Credit Repair Organizations Act (CROA) regulates how these companies operate, including pricing disclosures and cancellation rights. However, no company can legally promise to remove accurate negative information.
Is credit repair better than disputing myself?
Disputing credit report errors yourself is free and not especially difficult, but it does take time. Credit repair services offer convenience, not guarantees. You can learn more in our article How to Fix Your Credit Score: A Complete DIY Credit Dispute Tool.
Final Thoughts
There is no single "best" credit repair company for everyone. The right choice depends on your budget, the complexity of your credit report, and how involved you want to be in the process.
If you want: a long-established name, choose Lexington Law. The lowest price: Dovly. High dispute volume: The Credit Pros. Refund protection: Credit Saint or Sky Blue Credit.
We hope this article helps you find the right credit repair company and move forward with rebuilding your credit. Dealing with a bankruptcy on your record? Learn how to remove bankruptcy from your credit report.
Kenji Niwa - March 22, 2026
