5 best credit repair companies of March 2025

Credit repair focuses on disputing inaccurate information on your credit report and going through the dispute process for you. While you can dispute items on your credit report yourself for no cost, credit repair companies can give you extra help if needed.

Ahead, CNBC Select rounds up the top credit repair companies based on fees, customer satisfaction ratings, company history, availability and money-back guarantees. (Read more about our methodology below.)

Who’s this for: If you want to improve your credit with a credit restoration company, Credit Saint offers several levels of service and good ratings for customer satisfaction.

Standout features: The company offers a free consultation for new customers and backs its work with a 90-day money-back guarantee.

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Who’s this for: The Credit People offers three tiers of affordable service, and all three offer the ability to make unlimited challenges across all three credit bureaus.

Standout features: A satisfaction guarantee can help you waive your current month’s fee and be refunded for the previous monthly service fee if you’re not satisfied.

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Who’s this for: The Credit Pros is driven by artificial intelligence and offers three tiers of service for credit repair programs.

Standout features: All plans include credit monitoring at no additional charge, making it easier to spot potential fraud. Though it’s not accredited by the Better Business Bureau (BBB), it has earned 3.82 out of 5 stars for customer satisfaction ratings with 144 reviews, which is on the higher end among companies we compared.

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Who’s this for: MSI Credit Solutions can provide tailored service if you’re seeking a credit repair service that considers your individual needs.

Standout features: MSI Credit Solutions is transparent on its website, and offers customers a written agreement before starting services. A free consultation can also help you decide the best course of action. Instead of charging a flat fee to everyone, MSI tailors your first work fee to your situation, depending on the number of negative line items on your credit report and their recency and amounts.

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Who’s this for: Sky Blue offers some of the most affordable rates to add a spouse or partner to the credit repair program. While other companies charge a second fee to add another person, Sky Blue offers this option for a discounted $40.

Standout features: Unlike most other companies, Sky Blue only offers one credit repair service option so you won’t need to upgrade to more expensive packages to unlock additional features.

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Credit Saint has been in the credit repair business for over 15 years. It has an A rating with the BBB and strong customer satisfaction ratings with the bureau.

First work fee

• $99 for Credit Polish package
• $99 for Credit Remodel package
• $195 for Clean Slate package

Monthly fee

• $79.99 for the Credit Polish package
• $109.99 for the Credit Remodel package
• $139.99 per month for the Clean Slate package 

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The Credit People was founded in 2001 and has helped over 100,000 people with their credit scores and reports.

First work fee

$19

Monthly fee

$99 for the standard package and $119 for the premium package. The company also offers a six-month flat-fee option for $599.

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The Credit Pros has been in business for 14 years and works with customers in 46 states.

First work fee

• $119 for the build credit package
• $129 for the repair credit package
• $149 for the repair + build credit package

Monthly fee

• $69 per month for the build credit package
• $129 per month for the repair credit package
• $149 per month for the repair + build credit package

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Texas-based MSI Credit Solutions has been helping Americans improve their credit since 2006, and works in all states except Georgia, Kansas, Louisiana, South Carolina and Vermont.

First work fee

Starts at $98

Monthly fee

$98 for a single enrollee, $69 per person when enrolling as a couple ($138)

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Sky Blue Credit has been in the credit repair industry since 1989, which is the longest of the companies we considered. The brand offers credit coaches on call, and faster disputes than other companies with a 45-day dispute cycle.

First work fee

• $79 for basic service
• $99 for full service
• $119 for premium service

Monthly fee

• $79 per month for basic service
• $99 per month for full service
• $119 per month for premium service

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Credit repair relies on disputing negative, inaccurate items on your credit report. Credit repair companies work on your behalf to remove this information by communicating with the three credit bureaus (Experian, Equifax and TransUnion) and/or financial companies, like your bank or a debt collector, to dispute the errors.

This differs from services like credit counseling, which is generally organized by a non-profit organization and can help you develop a budget, get copies of your credit report and create debt management plans.

A good credit repair company should never ask for payment upfront, according to the Consumer Financial Protection Bureau, a government agency aimed at protecting consumers.

These companies typically work with you to get a copy of your credit report and identify and dispute inaccurate information on the report. According to the Federal Trade Commission, it’s not possible to remove accurate, timely information from your credit report.

However, the entire process of obtaining your report, looking for errors and disputing them can be done on your own. Here’s how:

1. Get a copy of your credit report

You can get a copy of your credit report for free at Annualcreditreport.com, the site created by federal law. You can get a free report from the three bureaus — Equifax, TransUnion and Experian — as often as once a week.

2. Check your report for errors

Comb through your credit report and look for items you don’t recognize or think aren’t yours. Consumer Financial Protection Bureau information shows that common errors include items that belong to someone with a similar name that has been attributed to you, closed accounts reported as open, accounts reported twice, or accounts with incorrect balances or credit limits.

3. Write a dispute letter

To dispute an error on your report, you’ll need to write a letter to the company with the report that shows the wrong information. Don’t let the writing intimidate you — the FTC offers templates you can use for your letters online.

You’ll want to enclose a copy of your report with the item in question circled and explain the mistake in the letter. Sending your letter via certified mail could help you document when the company receives your dispute letter — they are obligated to investigate your query within 30 days.

4. Wait for results

While it won’t happen overnight, your query could result in the credit reporting bureau making a change to your score and report. If it does, they’ll send you a free copy of your report if there’s a change.

At CNBC Select, our mission is to provide our readers with high-quality service journalism and comprehensive consumer advice so they can make informed decisions with their money. Every credit repair review is based on rigorous reporting by our team of expert writers and editors with extensive knowledge of credit repair services. While CNBC Select earns a commission from affiliate partners on many offers and links, we create all our content without input from our commercial team or any outside third parties, and we pride ourselves on our journalistic standards and ethics. See our methodology for more information on how we choose the best credit repair companies.

To find the best credit repair companies, CNBC Select analyzed more than a dozen U.S. credit repair companies.

When narrowing down and ranking the best credit repair companies, we focused on the following features:

• Fees. Credit repair companies charge both first-work fees and monthly fees for their services. We focused on those with the lowest fees. Additionally, we focused on those that were transparent about those costs and display them on their websites.
• Better Business Bureau accreditation. To be BBB accredited, companies must meet standards for transparency, honest advertising, trustworthiness, responsiveness and privacy, among other things.
• Customer satisfaction ratings. The BBB measures customer satisfaction through ratings left on its website. We considered both the rating and the number of reviews received.
• History. We considered the number of years a debt relief company has been operating.
• States where service is available. We considered the number of states where the service is available, prioritizing those that were more widely available.
• Discounts available. Some companies offer discounts for certain types of customers.
• Money-back guarantee. Many companies will refund customers if they’re not fully satisfied within their first 90 days of joining.

After reviewing the features listed above, we sorted our recommendations by best for affordability, best for money-back guarantee, best for customization, best for customer satisfaction and best for couples.

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