Best Credit Restoration Companies 2020

Which credit restoration company should you use? Each has a lot of 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:

Best Credit Restoration Companies

RankCredit RestorationBest ForMonthly FeePhone
1Lexington LawOverall Credit Restoration$89.95(844) 320-6782
2CreditRepair.comExtras$99.95(833) 840-8600
3Credit SaintTransparency$79.99(855) 559-3580
4Sky BlueAffordability$79(888) 801-7844
5The Credit PeopleTrial Period$79(866) 387-7748

Best Credit Restoration

RankCredit RestorationPhone
1Lexington Law(844) 320-6782
2CreditRepair.com(833) 840-8600
3Credit Saint(855) 559-3580
4Sky Blue(888) 801-7844
5The Credit People(866) 387-7748
6Pyramid(855) 237-8442

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 credit 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 credit score back to where it should be. Concord Premier goes deeper into credit assistance, offering InquiryAssist and TransUnion Alerts as well as monthly credit monitoring and a credit 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.

CreditRepair.com Review

CreditRepair.com website

CreditRepair.com Review image
  • Signing up: It can be easier to call CreditRepair.com at (833) 840-8600 so they can walk you through the steps of signing up, or you can sign up on the website here.
  • Price: CreditRepair.com offers a $99.95 price point, which includes all the basics, as well as identity theft protection and credit report monitoring. Separate from the service, there is a one-time charge of $14.99 to pull your credit report from another company for you, but this is standard.
  • Features: CreditRepair.com communicates directly with lenders and the credit bureaus to make sure changes have been made to your credit report, and challenges negative items on your credit report, as well as sending letters to your lenders and fixing mistakes on your credit report. CreditRepair.com also monitors your credit for you.
  • Cancellation: CreditRepair.com offers month-to-month services, so you can cancel at any time.
  • Guarantee: CreditRepair.com is another service that will only charge you when it’s completed the work for the month.
  • Customer service: CreditRepair.com offers solid customer service options, with 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 credit 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 credit 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 repair services, including fixing mistakes on your credit report, sending good faith letters to your lenders and looking for legal loopholes.
  • Pause Your Service: Sky Blue offers a service that no other credit 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 credit 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 People Review

The Credit People website

The Credit People Review image
  • Signing up: It can be easier to call The Credit People at (866) 387-7748 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 credit report, 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.

Pyramid Credit Review

Pyramid website

Pyramid Credit Review image
  • Signing up: It can be easier to call Pyramid at (855) 237-8442 so they can walk you through the steps of signing up, or you can sign up on the website here.
  • Price: One of the benefits of Pyramid is that it does not charge an initial fee for services, which means Pyramid is free to use for the first five to 15 days. After that, the service is $99/month, or you can get a couple’s discount of 50% off the first month.
  • Features: Pyramid offers the same basic credit restoration service that many other companies offer, including disputes to the credit bureaus for negative marks on your credit report. It also offers a personal account manager who holds your hand through the process at every step. Pyramid also have in-house lawyers on hand to answer questions you may have.
  • Cancellation: Pyramid’s services are month-to-month, so you can cancel at any time.
  • Guarantee: Pyramid offers a 90-day money-back guarantee if you if you aren’t satisfied with its service for any reason.
  • Customer service: Pyramid offers you a personal account manager to deal with your issues, and phone and email support.
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.

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.