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Home » Blog » 10 Best Credit Repair Companies of 2025
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10 Best Credit Repair Companies of 2025

Osher Deri
Last updated: 23/04/2025 3:38 AM
Osher Deri
5 months ago
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Disclosure: We are not a registered broker-dealer or an investment advisor. The services and information we offer are for sophisticated investors, and do not constitute personal investment advice, which of necessity must be tailored to your particular means and needs. !
10 Best Credit Repair Companies of 2025
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In this article, I will talk about the best available credit repair companies. It is very important to choose the right company if you need help in improving your credit score, getting negative items removed, or even getting sound financial advice.

Contents
  • Key Points & Best Credit Repair Companies List
  • 10 Best Credit Repair Companies of 2025
    • 1.CreditFirm.net
    • 2.The Credit People
    • 3.The Credit Pros
    • 4.Credit Saint
    • 5.Sky Blue Credit
    • 6.MSI Credit Solutions
    • 7.Credilife
    • 8.National Credit Fixers
    • 9.MyCreditGroup
    • 10.AMG Credit Repair
  • Conclusion

I will cover the most popular companies, the services they offer, their prices, and other distinguishing aspects so that you can choose the most appropriate credit repair service.

Key Points & Best Credit Repair Companies List

Credit Repair CompanyKey Point
CreditFirm.netOffers free credit consultation and personalized plans.
The Credit PeopleFlat-rate pricing with a 7-day trial for just $19.
The Credit ProsIncludes identity theft protection and financial tools.
Credit SaintKnown for aggressive dispute tactics and tiered plans.
Sky Blue CreditStraightforward pricing with 90-day money-back guarantee.
MSI Credit SolutionsFocuses on legal-based disputes and personalized support.
CredilifeCombines credit repair with financial coaching.
National Credit FixersCustom solutions and one-on-one client support.
MyCreditGroupOffers debt settlement and credit repair in one package.
AMG Credit RepairVeteran-owned with strong focus on credit education.

10 Best Credit Repair Companies of 2025

1.CreditFirm.net

Their pricing combined with over 20 years of experience makes CreditFirm.Net one of the best credit repair companies available.

They provide personalized services catered to each individual client’s credit profile. Their free initial consultation is coupled with a flat monthly fee with no hidden costs.

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CreditFirm.net

CreditFirm.Net utilizes tried and tested methods to dispute negative claims on credit reports such as late payments, charge offs, and collections. It’s a great option for clients who need to raise their credit score, as there is a clear focus on customer service and transparency.

Company NameKey Details
Service OfferedCredit repair, credit consultation, and personalized credit score improvement.
PricingFlat-rate monthly fee, no hidden charges, free consultation.
ExperienceOver 20 years in the credit repair industry.
ServicesDispute inaccurate items, late payments, charge-offs, and collections.
GuaranteeNo upfront fees, and transparent pricing.
Customer SupportDedicated support with a focus on client satisfaction.
WebsiteCreditFirm.net

2.The Credit People

The Credit People is a top fix firm’s with good reviews, largely because their pricing is straightforward and their service exceptional. They allow clients to test the service prior with a 7-day trial for only $19.

The Credit People’s payment structure is straightforward; there’s a set monthly fee with no initial costs, making credit repair affordable.

The Credit People

Their team focuses on removing inaccurate information such as bankruptcies, charge-offs, and late payments. In addition, clients are provided with their credit reports and scores.

The Credit People is a top option considering the overwhelming positive feedback, especially when considering the satisfaction guarantee with results.

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FeatureDetails
Founded2001
ExperienceOver 20 years in credit repair, assisting more than 100,000 clients
Pricing$99/month (Standard), $119/month (Premium), or $599 for 6 months (Premium Flat Rate)
Setup Fee$19 initial fee
Services OfferedUnlimited disputes with all three credit bureaus, monthly refreshed credit reports and scores, creditor interventions, and escalated disputes
Satisfaction GuaranteeFull refund for the prior month if unsatisfied
Customer Portal24/7 online access to track progress
Notable MentionsFeatured in The Wall Street Journal, Smart Money, and USA Today
Visit Now

3.The Credit Pros

The Credit Pros in an industry leading name when it comes to credit repair as they go beyond mere dispute resolution. They remove inaccurate, applies monitoring, budgeting, identity theft protection, and much more.

Their plans are tailored with technology, with a convenient mobile application that allows clients to track their progress in real time.

The Credit Pros

The Credit Pros employs certified FICO experts and focuses on providing financial education so that clients can improve and sustain healthy credit long-term. This is best suited for clients looking for holistic repair solutions.

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FeatureDetails
Founded2009
HeadquartersWest Palm Beach, Florida & Newark, New Jersey
ExperienceOver 100,000 clients served across 46 states
PricingRepair Credit: $129/month + $129 first work fee
Repair + Build Credit: $149/month + $149 first work fee
Build Credit: $69/month + $119 first work fee
Services OfferedUnlimited disputes with all 3 credit bureaus, creditor interventions, cease & desist letters, goodwill letters, ID theft restoration, 24/7 client portal access
Satisfaction Guarantee90-day money-back guarantee
CertificationsNACSO-certified specialists, registered and bonded
Family PlanEnroll a family member for free with 50% off their monthly rate
Client Portal24/7 access to monitor progress
Visit Now

4.Credit Saint

Credit Saint is known for its aggressive and effective approach to credit repair. The company maintains an A+ BBB rating and has over a decade in the field, providing three service levels tailored to varying credit needs and financial capacities.

Their services range from disputing late payments, charge-offs, and collections to even hard inquiries. Clients benefit from a 90-day money-back guarantee, eliminating potential risk for those committed to improving their credit.

Credit Saint

Personalized analysis and detailed progress reports from Credit Saint give them the edge over their competitors, making them an exceptional option for anyone seeking a reliable results-driven credit repair firm.

FeatureDetails
Founded2004
HeadquartersSaddle Brook, New Jersey, USA
BBB AccreditationAccredited since 2007 with an A rating
ExperienceOver 200,000 clients served
PricingMonthly fees: $79.99 to $139.99; Initial fees: $99 to $195
Service PackagesCredit Polish, Credit Remodel, Clean Slate
Services OfferedDisputes with all 3 bureaus, creditor interventions, credit score tracking, educational resources
Satisfaction Guarantee90-day money-back guarantee
Customer Support24/7 online portal, phone support
AvailabilityNot available in South Carolina
Visit Now

5.Sky Blue Credit

Sky Blue Credit stands out in the crowded field of credit repair companies due to its simplicity and customer-friendly policies. Clients are charged a flat fee with no hidden costs for dispute services with all three credit bureaus and receive tailored credit score counseling.

Perhaps one of the best perks offered is a 90-day money-back guarantee, which gives peace of mind to new customers.

Sky Blue Credit

Sky Blue assists in identifying potential credit-building opportunities and provides customized long-term improvement strategies, as well.

Their no-frills approach coupled with top-notch customer service sets them apart. For those seeking dependable credit repair, Sky Blue Credit offers unapologetic honesty.

FeatureDetails
Founded1989
HeadquartersBoca Raton, Florida
BBB AccreditationNot accredited; A+ rating
ExperienceOver 30 years in credit repair services
Pricing$79/month; Couples: $119/month
Setup Fee$79 one-time
Money-Back Guarantee90-day, no-questions-asked refund policy
Services OfferedCredit bureau disputes, creditor interventions, debt validation, cease-and-desist letters, credit score tracking, and one-on-one consultations
Dispute Cycle35-day average
Client Portal24/7 online access for monitoring progress
Customer SupportPhone support during business hours; no live chat
Visit Now

6.MSI Credit Solutions

MSI Credit Solutions is a well-established name among credit repair companies, specializing in putting together a comprehensive plan for each client that guarantees results.

Predicated on a legal basis, MSI disputes credit claims with the bureaus and creditors, working to delete negative items including collections, repossessions, and even late payments.

MSI Credit Solutions

Unlike almost all competitors, MSI offers personal client support which includes step-by-step credit score improvements, or as they call it, credit boosters.

Backed by industry experience, MSI’s staff is committed to the ethical facts of the company which has proven customer satisfaction and trust in the company.

Based on the stiff market competition, MSI proves to be the best choice when a client requires active participation in the process of credit rehabilitation with professional advice.

FeatureDetails
Founded2006
HeadquartersDallas, Texas, USA
BBB AccreditationNot accredited; C+ rating
ExperienceOver 18 years in credit repair services
Service AreasAvailable in 45 states and Washington, D.C.
PricingInitial fees vary; monthly fees start around $45
Money-Back GuaranteeOffered if no negative items are removed after 6 months of service
Services OfferedCredit report analysis, dispute of inaccuracies, debt validation, cease-and-desist letters, credit education
Customer Support24/7 client portal access; phone support during business hours
Customer FeedbackGenerally positive reviews; 4.68/5 stars from 25 BBB reviews

7.Credilife

Credilife sets itself apart through offering an integrated model of credit repair, management, and overall financial wellness.

Unlike other credit repair services, Credilife has individualized coaching, educational materials, and provides tools such as the “Dispute Wizard” that enable clients to self-manage their credit.

Included in their VIP program is a Pre-Litigation Audit for Pere litigated Credit report triggers. Clients have realized considerable improvements, some with increases in their credit scores of almost 200 points.

Credilife

Outstanding and unique in the market is Credilife’s approach where transparency combined with education provides clients with the peace of mind that their finances are in control.

FeatureDetails
Founded2015
HeadquartersBurnsville, Minnesota, USA
BBB AccreditationAccredited with an A+ rating
ExperienceOver 10 years in credit repair and financial wellness services
PricingOffers various pricing options; specific details available upon consultation
Services OfferedCredit repair, personal coaching, business credit solutions, student loan assistance, budgeting strategies
Unique FeaturesVIP Program with personalized credit and money mastery, Dispute Wizard DIY credit solution
Customer Support24/7 access to program status updates and coaching support
Client SuccessPositive client testimonials highlighting significant credit score improvements and financial empowerment
Visit Now

8.National Credit Fixers

Connecticut’s National Credit Fixers has over 17 years of experience in the field of credit repair. They provide tailored services that concentrate on negating false or outdated negative entries on clients credit reports.

Reports from clients show great changes, with some stating that their credit scores improved by almost 200 points.

National Credit Fixers

The company offers an array of educational materials pertaining to credit aids on its webpage so that clients are kept abreast of the developments throughout the process.

National Credit Fixers has an A+ rating with the Better Business Bureau, signifying their integrity and commitment to serving consumer needs.

FeatureDetails
Founded2006
HeadquartersVernon, Connecticut, USA
BBB AccreditationNot accredited; A+ rating
ExperienceOver 17 years in credit repair services
PricingFirst work fee: $199; Monthly fees: $45–$199 depending on the number of items
Services OfferedCredit repair, credit education, business credit solutions, foreclosure deletion program
WarrantyOffers a warranty on services provided
Customer SupportProvides customer support through various channels
Visit Now

9.MyCreditGroup

MyCreditGroup, Inc., a credit repair company with a wide range of services, was founded in the year 2000 and is located in Texas. They provide credit repair, debt settlement, “pay for delete” negotiations, and help set up new credit lines for clients, all for $79 a month.

MyCreditGroup, Inc. has an A+ rating by the Better Business Bureau and adheres to the Credit Repair Organizations Act (CROA). Some of their clients have reported substantial improvements with their credit scores, some augmenting their scores from the 500s to the 700s.

MyCreditGroup

MyCreditGroup is a dependable firm for restoring credit due to their ethical standards, 30 day money-back guarantee, and the absence of out-dated practices in the credit repair industry.

FeatureDetails
Founded2000
HeadquartersStephenville, Texas, USA
BBB AccreditationA+ rating
ExperienceOver 100,000 clients served
Pricing$89/month for individuals; $142.50/month for couples
Services OfferedCredit repair, debt settlement, pay-for-delete, credit education, and personalized coaching
Money-Back Guarantee30-day satisfaction guarantee
Unique FeaturesTeam includes former loan officers, debt collectors, and credit experts
Customer Support24/7 client portal access; phone support during business hours
Visit Now

10.AMG Credit Repair

AMG Credit Repair is a credit restoration service located in California that provides individual level strategies aimed at helping clients improve thier credit scores.

AMG Credit Repair

They restore credit by disputing erroneous entries on credit reports, negotiating with the creditors, and providing relevant financial guidance as a means of sustaining credit health over time.

AMG Credit Repair empowers individuals to responsibly manage their money while striving to bring satisfaction and earn their trust through ethical transparency. They mle pioneer leaders with unique practices that establish a brand identity in the marketplace.

FeatureDetails
Founded2016
HeadquartersSacramento, California, USA
BBB AccreditationNot accredited; A+ rating
ExperienceOver 7 years in credit repair services
PricingNot publicly disclosed; varies based on services and client needs
Services OfferedCredit repair, credit education, debt settlement, pay-for-delete, personalized coaching
Money-Back GuaranteeNot specified; recommend contacting directly for details
Customer SupportPhone support during business hours; no live chat
Visit now

Conclusion

To sum up, outlines the aforementioned companies help you take control of your finances depending on your criteria.

As stated earlier, CreditFirm.Net, The Credit People, and Sky Blue Credit work with top-tier professionals with years of experience and offer tailored services with a money-back guarantee.

Evaluating a company’s rating and offered services is crucial for selecting a provider who helps you elevate your credit score optimally.

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