Best Credit Help Services 2021

Which company should you use to help your credit? Each has unique features that make them quite different, so we did the research to help you find the right one for you. Here's a breakdown of what each services offers:



RankServiceBest ForMonthly FeePhone
1Lexington LawOverall Service$89.95(844) 320-6782
2Sky BlueAffordability$79(888) 801-7844
3Credit SaintTransparency$79.99(855) 559-3580
4The Credit ProsComprehensive Services$69(855)-664-2454
5The Credit PeopleTrial Period$79(866) 387-7748

Best Companies of 2021

RankServicePhone
1Lexington Law(844) 320-6782
2Sky Blue(888) 801-7844
3Credit Saint(855) 559-3580
4The Credit People(866) 387-7748

Note: We receive a commission for purchases made through the links on this site. Our sponsors, however, do not influence our editorial content in any way.

Lexington Law Review

Lexington Law website

Lexington Law Review image
  • Signing up: It can be easier to call Lexington Law Firm at (844) 320-6782 so they can walk you through the steps of signing up, or you can sign up on the website here.
  • Price: There are different tiers of service that Lexington Law offers: Concord Standard which costs $89.95/month, Concord Premier which costs $109.95/month, and PremierPlus which costs $129.95/month.
  • Features: The three different tiers of service offer three different types of restoration, depending on what you are looking for. Concord Standard offers the basics, including bureau challenges and creditor interventions. Lexington Law Firm communicates with your creditors and looks for legal loopholes to get your score back to where it should be. Concord Premier goes deeper into assistance, offering InquiryAssist and TransUnion Alerts as well as monthly monitoring and a score improvement analysis. With PremierPlus, you receive all of the previous assists, with the addition of identity fraud alerts, a FICO Score Tracker, and personal finance tools to help you monitor your finances.
  • Cancellation: Lexington Law offers a month-to-month plan, so you can cancel at any time.
  • Guarantee: Because lawyers cannot guarantee the results of their work, Lexington Law does not provide a guarantee.
  • Customer service: Lexington Law offers a great customer service network, which includes phone, email and chat.
Disclosure
Disclosure

CreditReviews.com receive a commission for purchases made through the links on this site. Our sponsors, however, do not influence our editorial content in any way.

Sky Blue Review

Sky Blue website

Sky Blue Review image
  • Signing up: It can be easier to call Sky Blue at (888) 801-7844 so they can walk you through the steps of signing up, or you can sign up on the website here.
  • Price: Among the top, reliable restoration companies, SkyBlue has the lowest price for the work that is done. You pay an initial fee of $79, and then you pay $79/month after that.
  • Features: Sky Blue offers some of the best basic restoration services in the business, although it doesn’t offer fancy extras like identity theft, which is how it keeps prices lower than its competitors. Sky Blue offers straightforward services, including fixing mistakes on your report, sending good faith letters to your lenders and looking for legal loopholes.
  • Pause Your Service: Sky Blue offers a service that no other company offers. You can pause your service if you need to take a break or can’t afford your service for awhile. You are then able to start up again right where you left off, without having to go through another sign-up or paying additional fees.
  • Reputation: Sky Blue gets an A+ rating from the Better Business Bureau and is widely considered one of the most reputable restoration companies.
  • Guarantee: Sky Blue offers one of the only complete money-back guarantees, if you are not happy with the services within the first 90 days.
  • Customer service: Customers rave about how helpful Sky Blue is with customer service, with the ability to get in touch with a real person easily.
Disclosure
Disclosure

CreditReviews.com receive a commission for purchases made through the links on this site. Our sponsors, however, do not influence our editorial content in any way.

Credit Saint Review

Credit Saint website

Credit Saint Review image
  • Signing up: You can easily sign up Credit Saint’s website here.
  • Price: Credit Saint has three different tiers of service, the most basic being Credit Polish at $79.99. The next tier up is Credit Remodel, which is $99.99, and the last tier is Clean Slate at $119.99. Credit Polish and Credit Remodel have an initial fee of $99, while Clean Slate’s initial fee is $195.
  • Features: Here’s what you get with each of the tiers of service. With Credit Polish, Credit Saint will dispute late payments, identity thefts, charge offs and any collections you may have on your credit reports. Credit Remodel covers the same, but adds contesting for bankruptcies and repossessions. Finally, Clean Slate boasts a highly aggressive strategy that includes everything above as well as any judgements that you may have on your credit reports.
  • Reputation: The Better Business Bureau give Credit Saint an A+.
  • Guarantee: Credit Saint offers a 90-day money-back guarantee, which is a nice perk for anyone on the fence about whether to use restoration or not.
  • Customer service: All tiers give you access to Credit Saint online, as well as toll free access to customer service.
Disclosure
Disclosure

CreditReviews.com receive a commission for purchases made through the links on this site. Our sponsors, however, do not influence our editorial content in any way.

The Credit Pros Review

The Credit Pros Website

The Credit Pros Review image
  • Signing up: You can call The Credit Pros at (855)-664-2454, or you can sign up on the website here.
  • Price: The Credit Pros offer a number of different price points, from $69-$149. All of which include monthly dispute letters, as well as identity theft protection and report monitoring. There is an initial setup fee ranging in price from $119-$149.
  • Features: The Credit Pros work directly with lenders and the 3 bureaus to make sure changes have been made to your report. They offer unlimited monthly disputes, which is a stand out from other companies. From there they work to remove negative items from your report, all while monitoring your score and risk for identity theft.
  • Cancellation: You can cancel at any time, The Credit Pros offer a month-to-month service.
  • Guarantee: The Credit Pros offer a 90 day money back guarantee.
  • Customer service: The Credit Pros offers customer service via phone or email.

The Credit People Review

The Credit People website

The Credit People Review image
  • Signing up: It can be easier to call The Credit People at (908) 213-5894 so they can walk you through the steps of signing up, or you can sign up on the website here.
  • Price: Unlike other restoration services, The Credit People offers a seven-day trial for $19, which lets you try out the service before you commit. The actual monthly fee is $79.
  • Features: The Credit People offers the basics, which include disputing negative marks on your reports, communicating with your lenders and fixing any mistakes on your credit reports.
  • Cancellation: The Credit People service is month-to-month, which allows you to cancel at any time.
  • Guarantee: The Credit People offers 100 percent money back at any point during the first six months if you aren’t satisfied.
  • Customer service: There is limited customer service, with phone hours only between 8 a.m.-5 p.m., and only email customer service offered otherwise, but The Credit People will get back to you within 24 hours.
Disclosure
Disclosure

CreditReviews.com receive a commission for purchases made through the links on this site. Our sponsors, however, do not influence our editorial content in any way.

Jeff Hindenach

Jeff Hindenach is the co-founder of Credit Reviews. He graduated from Bowling Green State University with a Bachelor’s Degree in Journalism. He has a long history of financial journalism, with a background writing for newspapers such as the San Jose Mercury News and San Francisco Examiner, as well as writing on personal finance for The Huffington Post, New York Times, Business Insider, CNBC, Newsday and The Street. He believes in giving readers the tools they need to get out of debt.

Advertising Disclosure

Advertising Disclaimer: CreditReviews does receive compensation for some of the services that we recommend, although we only recommend services that we truly believe are the best.