How To Repair Credit

Here are seven steps to repair credit on your own:

1. Check your credit score and review for errors
2. Fix any errors
3. Always pay bills on time
4. Keep credit utilization under 25%
5. Pay down debts
6. Don't close old accounts - leave them open
7. Don't take out credit unless you need it

The #1 rule to repair credit is to fix inaccurate or unfair information on your credit report.
If you need help from pro's, keep reading.

5 Best Credit Repair Companies of 2024

Updated: March 14, 2024

We’ve spent years understanding the credit help industry. With over 200+ hours of work in the credit help field, our experts are doing the work so you don’t have to. Here’s our list of the top 5 contenders for credit help services. Our reviews are based on value for money, consumer risk, time, outside ratings, and industry acclaim.

Our #1 Credit Help Company of 2024
1
5.0
1 of 5 Rating Full Star1 of 5 Rating Full Star1 of 5 Rating Full Star1 of 5 Rating Full Star1 of 5 Rating Full Star
FA Score

Credit Saint

90-day 100% money-back guarantee
$79 per month (cancel anytime)
BBB accredited with an A rating
15 years in business
11.5K Google reviews @ 4.8 stars
2
4.8
1 of 5 Rating Full Star1 of 5 Rating Full Star1 of 5 Rating Full Star1 of 5 Rating Full Star1 of 5 Rating Full Star
FA Score

Safeport Law

90-day money-back guarantee
Service starts at $129 per month
Real Attorneys
Paralegals assigned to your case
Free consultation

Struggling with Debt?

Get debt relief up to $200k and remove up to 50% of credit card debt, personal loans, medical, or unsecured debt. Terms and conditions apply for qualification. Must have $10k+ in credit card debt or an unsecure personal loan to qualify.  

Learn More
3
4.5
1 of 5 Rating Full Star1 of 5 Rating Full Star1 of 5 Rating Full Star1 of 5 Rating Full Star1 of 5 Rating Half Star
FA Score

The Credit People

Services start at $99 per month
Free custom credit evaluation - Limited time
20 years experience
Free consultation in English or Spanish
Customers can cancel their service at any time with no penalties
4
3.9
1 of 5 Rating Full Star1 of 5 Rating Full Star1 of 5 Rating Full Star1 of 5 Rating Full Star1 of 5 Rating No Star
FA Score

The Credit Pros

Services start at $69 per month
100% money-back guarantee
Free consultation in English or Spanish
Four protection plans tailored for specific purposes
A+ rating with BBB
5
3.5
1 of 5 Rating Full Star1 of 5 Rating Full Star1 of 5 Rating Full Star1 of 5 Rating Half Star1 of 5 Rating No Star
FA Score

Lexington Law

FREE Credit Assessment
4 million removals on their credit reports in 2022
Services start at $99.95 per month
Remove inaccuracies from Collections, Late Payments, Bankruptcies
Mobile app for active updates
Our #1 Credit Help Company of 2024
1
5.0
1 of 5 Rating Full Star1 of 5 Rating Full Star1 of 5 Rating Full Star1 of 5 Rating Full Star1 of 5 Rating Full Star
FA Score

Credit Saint

90-day 100% money-back guarantee
$79 per month (cancel anytime)
BBB accredited with an A rating
15 years in business
11.5K Google reviews @ 4.8 stars