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. We’ve reviewed these companies holistically as credit-building professionals, and we believe this is one of the most transparent credit repair comparisons available online.

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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 the following criteria:

1. Years in business and track record
   
2. Pricing transparency and setup fees
   
3. Customer reviews and reputation
   
4. Service features
   
5. Refund or cancellation policies
   
   

Below is a comparison of the five best credit repair companies.

Let’s dive into these 5 best credit repair companies one by one.

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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.

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.

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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.

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.

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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.

Plans

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.

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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, with higher-tier plans adding features such as debt validation letters and cease-and-desist requests. Credit Saint has worked in the credit repair industry since 2007 and provides a 90-day money-back guarantee.

Plans

Sky Blue Credit offers 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.

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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.

Plans

Sky Blue Credit offers 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 want a simple service with a strong refund policy and no upfront fees.

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Frequently Asked Questions About The Best Credit Repair Companies

1. 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
• You want guidance through the process

Credit repair may not be necessary if:

• Your report is accurate but your score is low due to utilization or other factors
• You expect guaranteed results

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2. 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.

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3. 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.

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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: 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.

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