Credit Repair Company Review

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  • No Setup Fee
  • Discounts for Spouses/Friends Referral
  • A+ Better Business Bureaus Rating

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SkyBlue Credit Repair
  •  Couple Discounts
  • 90 Day Money-Back Guarantee
  • Only Charged after the first Month


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Lexington Law logo
  • 3 Different Service Plans
  • Averages 10.3 Negative Items removed
  • Largest Credit Repair Company

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Credit repair companies can do a lot of good for those who have poor credit, so it’s important that you take the time to find out about them if you want to improve yours. Despite what many people think, it is very possible for those with bad credit to recover within a reasonable period of time. The sooner you get this information, the sooner you will be able to start improving your credit as a whole.

How Credit Repair services Work

When you first sign up with a credit repair company, the first thing they are going to do is pull your credit report so they can take a close look at it. The professionals at the company will organize your report in a way that will make it easy for you to select the items that you want to change or challenge. This way the professionals you pay for these services will know exactly what to do.

The next step in the credit repair process involves the company you hire directly contacting the credit companies so they can work something out with them on your behalf. It is their goal to help the credit companies meet their obligations while benefiting you as much as possible in the process. These professionals also communicate with the credit bureaus to confirm that all of the appropriate changes have been made to your credit report.

This is the standard operating procedure for most credit repair companies, though it is important to remember that not all of them are the same when it comes to how they work.

How long before I see noticeable positive changes to my credit?

The length of time that you will have to wait before you start seeing positive results with your credit report will be directly related to the credit repair company you choose, which is why it’s so important to do your research. The more time you spend looking into these companies, the better your chances are going to be of getting the results you want in a shorter amount of time. Typically it takes at least a month for you to start seeing an improvement in your credit score due to the fact that credit bureaus have 30 days to process all disputes.

Benefits of hiring a Credit Repair Company

There are numerous benefits associated with hiring a credit repair company, so you will want to take the time to look into some of them. Many people have benefited greatly from these services, though once again it depends on the company you choose to help you.

One of the biggest and perhaps most obvious benefits associated with paying for credit repair services is that doing so can significantly increase your credit score over a short period of time. Hiring a credit repair company is one of the most efficient and effective ways to go about improving your credit in a truly noticeable way.

The professionals that work at credit repair companies have connections and resources that you do not, which is why you will need to consider hiring one. They will be able to provide you with the results you are looking for when it comes to improving your credit as a whole. This is a simple, easy, and effective way to go about improving your credit. While it’s true that you might be able to do this on your own, it would be extremely difficult and time consuming. Those who want an easier way to improve their credit will need to think about spending the money to hire a credit repair company.

How much do credit repair services cost?

The cost of credit repair services varies depending on the specific company you choose, but they typically cost around $100 per month with a small one-time fee when you sign up with them. When you consider how quickly you’ll most likely get results from these services, they are well worth the money you spend.

Major Credit Repair Companies

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Anyone who is thinking about taking advantage of credit repair services will definitely need to make a point of looking into some of the bigger credit repair companies before deciding which one you want to select to help improve your credit. The company you end up hiring for these services will ultimately determine whether or not you get your money’s worth, as well as how quickly you start to see results.

Lexington Law

Lexington Law was first established in 1991, and it is definitely one of the bigger, more reputable credit repair companies today. Some of the different things that Lexington Law says they can remove from your credit history include late payments, collections, liens, repossessions, bankruptcy, charge offs, judgments, and more.

You will find that Lexington Law offers a free initial case evaluation for every person who is interested in their services. When you sign up with them, the professionals at this company will help you obtain your credit reports from the three major credit bureaus. After they have reviewed your credit report, their team of lawyers will start generating “dispute letters” to the three credit bureaus, objecting to the disputable items in your report.

One of the best things about paying for credit repair services through Lexington Law is that you will instantly receive access to an online web interface that will allow you to track your progress in real time. Everything is transparent and you will easily be able to see the status of every single credit item dispute.

Lexington Law has received quite a few positive reviews online from those who have paid for their services over the years. When it comes to credit repair companies, this is definitely one of the more reputable and effective options you have. is another popular option for those who have bad credit and want to do something about it quickly. This is another highly reputable company that specializes in helping repair people’s credit in a significant way. The professionals that make up this company work with the three major credit bureaus as well as their clients’ creditors to challenge negative items on their reports. They offer 24/7 monitoring and alerts powered by TransUnion, so you can stay on top of any changes and updates to your credit report.

Another great thing about is that they offer a number of customized tools and technology to guide you through the tasks and action items you need to take in so you can maintain a healthy score and accomplish all of your credit goals in the long term. First you sign up with this company, and then they will instantly pull your credit reports. They organize your reports in a way that makes it easier for you to pick out specific items that you want to either challenge or change.

It costs $99.95 per month to take advantage of the services that offers. You will gain access to a personal online dashboard, score tracker and analysis tools, mobile apps, text and email alerts, and a full monitoring system from TransUnion. Overall, is certainly one of the better options that exist for those who have bad credit and want to do something about it in a meaningful, long lasting way.

Sky Blue Credit Repair

Sky Blue Credit Repair is the last of the three most reputable companies in the world that offer these services. Although it’s true that there are quite a few different credit repair companies, Sky Blue certainly has one of the best overall reputations among its clients. This company claims that it offers faster disputes than any other credit repair company. They provide all of their clients with score assistance, reviewing their reports and pinpointing which actions can be taken to raise their scores in a noticeable way.

There are also a number of additional services that you can pay for, including debt validation, goodwill letters, and negotiation guidance. If you are interested in the services this company has to offer, you will be able to sign up with them quickly and easily. Within minutes of signing up, you will receive an email with easy instructions on getting them a credit report from the three major bureaus.

Once Sky Blue has received your credit report, they will begin conducting a line-by-line review of it, noting issues and emailing you a list of the items they have identified as candidates for a dispute. You will also receive an email with a list of practical score optimization and rebuilding tips. Sky Blue only charges $59 per month for their services, or $99 per month for couples.

It is very important that you take the time to look into credit repair companies if you have bad credit, because they might be able to help you out in a very big way. These days more and more people are paying for these services because of how beneficial they are overall. It shouldn’t take you long to get results once you sign up with one of these businesses.