Most Aggressive Credit Repair Companies
A bad credit score can mean expensive fees. But the most aggressive credit repair companies can help with that. Read on for your options.
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To fix your credit fast, you can go for:
- Lexington Law: Best Overall (Free Online Credit Assessment)
- Credit Saint: Best for Unlimited Disputes
- Sky Blue Credit: Best for Couples
- The Credit Pros: Best for Credit Building
- CreditRepair.com: Best for Credit Education
Stuck with terrible credit? Then you know it's especially hard to get approved for a loan.
And if you do end up getting approved, you may end up with higher interest rates. Then payments for your car and mortgage will be extra expensive.
But that's where credit repair companies come in. They can dispute items that negatively impact your credit score. Thus, helping you get the best deals.
The most aggressive credit repair companies have removed millions of negative items over the years. Find a suitable one from the list below.
Get Free Consultation From Experts
- Challenges to three credit bureaus
- Score Analysis and Tracker
- 90-Day Money-back Guarantee
- No first work fee for additional family member
Free Online Credit Assessment
- Free Credit Score
- Free Credit Report Summary
- Free Credit Recommendation
- 5 Minutes to Check Your Credit
Get a Free Consultation Today
- Plans start at $69/month and $119 first work fee
- 60 day money back guarantee
- Cancel service anytime
- Free Credit Monitoring
Get Started on Your Credit Repair
- No charges for the first 6 days
- 90-day guarantee
- 45-day dispute cycle
- Cancel service anytime
5 Most Aggressive Credit Repair Companies
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Disputing items in your credit report can be time-consuming and a hassle. Instead of doing the work yourself, you can rely on skillful experts instead. They'll dispute erroneous items for you.
Let's start with the best of the best.
Lexington Law: for Best Overall
Lexington Law is recognized as an industry leader in credit repair. They've built a reputation of aggressiveness throughout the years for over two decades.
And just last 2020, they managed to dispute over 7 million removals.[1] You can be one of these thousands of satisfied clients. Lexington Law offers one premium credit repair package that covers the following:[2]
- Skilled lawyers and paralegals that leverage laws to remove items impacting your credit
- Challenging and disputing Experian, Equifax, and TransUnion
- Sending intervention letters to your creditors
- Creating a personalized strategy to improve your credit score
- $25,000 identity theft insurance coverage
Lexington Law will charge you a first payment five days after you sign up for your package. Then, you'll need to pay the fee of $139.95/month afterward. [3]
An initial working fee is a charge that covers preliminary work for credit repair. It's also known as a first payment. It covers tasks such as credit report pull, process documentation, and initial credit monitoring. Credit repair companies usually bill this within 15 days of service.
Why we like it:
Lexington Law is a law firm with a strong team of experienced attorneys and paralegals. Some attorneys have expertise in bankruptcy, divorce mediation, and debt settlement.
This suits you if your credit has been affected by a specific event like divorce, student loans, or medical bills. For example, with the Divorce Focus Track, Lexington Law handles interventions for any joint accounts with your ex-spouse. While the Student Loan Focus Track is for disputing student loan-related items.
So if you're ever in need of a more focused approach to credit repair, Lexington Law has a tailored strategy for you.
Guarantees and Accreditations:
Unfortunately, Lexington Law does not offer any money-back guarantee or refund policy. It's also not accredited by any agency or organization.
Free Online Credit Assessment
- Free Credit Score
- Free Credit Report Summary
- Free Credit Recommendation
- 5 Minutes to Check Your Credit
Credit Saint: for Unlimited Disputes
Credit Saint is one of the most aggressive companies that has offered credit repair for more than 15 years. Because they're confident in their great service, they can offer you a 90-day money-back guarantee.
And assuming there's really a lot to fix with your credit report, you can get unlimited disputes with one of their package.
Here's what else you can get from them:[4]
| Clean Slate | Credit Remodel | Credit Polish | |
|---|---|---|---|
| Aggressiveness | Very High | High | Medium |
| Price (per month) | $129.99 | $99.99 | $79.99 |
| Initial working fee/first work fee | $195.00 | $99.00 | $99.00 |
| Challenges to the 3 credit bureaus | Unlimited disputes | ✔ | ✔ |
| Score tracker and analysis | ✔ | ✔ | ✔ |
| Inquiry targeting | ✔ | ✔ | — |
| Creditor interventions | ✔ | — | — |
Why we like it:
Credit Saint's services can be expensive. But you can get your money's worth and maximize your plan by adding another family member to your account. Credit Saint waives the first work fee for additional members.
Requesting a Refund from Credit Saint:
If you're ever unsatisfied with the service, you can always request a refund. There are just a few terms and conditions.
You'll need to:
- Have paid for your plan and not cancel within 90 days since your program started
- Not add new negative items to your report by adding derogatory tradelines or not paying for existing accounts on time
- Pay your fees on time
- Comply with all necessary documents and requirements stated by Credit Saint within 5 days of the agreement
- Give Credit Saint 30 days from the date of the refund request for credit review and audit
Guarantees and Accreditations:
As mentioned, Credit Saint offers you a 90-day money-back guarantee once you sign up and pay for your package. The company is also accredited by the Better Business Bureau (BBB) since 2007. It has a BBB Rating of A.[6]
Better Business Bureau (BBB) is a nonprofit organization that emphasizes marketplace trust. BBB's mission is to help consumers find trustworthy businesses, brands, and charities through free public information. It is available across the United States, Canada, and Mexico.
Sky Blue Credit: for Couples
Sky Blue Credit is one of the first pioneer companies in credit repair. It has been around for more than three decades and continues to offer aggressive credit repair services today.
You can choose between 2 packages, both with individual and couples pricing.[7] The best part is, if you sign up with another member like your spouse, you can save as much as $49/month from fees. It can be the cheapest package that covers 2 people.
| Full Service | Basic Service | |
|---|---|---|
| Price (per month) | Individual: $99.00 Couples:$149.00 | Individual:$79.00 Couples:$119.00 |
| Initial working fee/first work fee | Same as monthly price | |
| 3-bureau credit reports and scores | ✔ | ✔ |
| Credit bureau disputes | ✔ | ✔ |
| Score tracker | ✔ | ✔ |
| 60-day credit updates | ✔ | ✔ |
| Creditor interventions | ✔ | — |
| Inquiry disputes | ✔ | — |
| Debt validation letters, Cease and desist letters, Personal Information Correction letters | ✔ | — |
| Credit builder tool | ✔ | — |
Why we like it:
Sky Blue Credit is one of the most affordable and aggressive services on the list. The couples plan can save you some bucks if you sign up with another person.
They operate on a dispute-to-re-dispute basis, too. That means they may challenge credit bureaus twice for a second chance to remove negative items in your report.
Are you applying for a home loan or looking to refinance your mortgage? Sky Blue Credit's specialty is Mortgage Preparation because of their extensive knowledge of lender requirements. You can contact the company for credit-rebuilding strategies to prepare for this big life decision.
Guarantees and Accreditations:
Just like Credit Saint, Sky Blue Credit offers you a 90-Day Guarantee for their services. Keep in mind that this guarantee does not cover specific outcomes.
Unfortunately, the company has no accreditation from any organization. But it does have a B- rating from the BBB.[10]
You can contact Sky Blue Credit if you are not satisfied with your service to qualify for a refund. Sky Blue Credit Customer Support is available from 9 AM to 5 PM, Monday to Friday, EST. You can also call them at (800) 790-0445.[11]
Get Started on Your Credit Repair
- No charges for the first 6 days
- 90-day guarantee
- 45-day dispute cycle
- Cancel service anytime
The Credit Pros: for Credit Building
Credit repair and credit building are two features that can help improve your credit. Fortunately, The Credit Pros offers both.
Aside from the typical disputes feature, you can opt for the credit builder loan from the Success Plus plan. With it, The Credit Pros will report your timely payments to all credit bureaus.
Here's what else you can get from them:[12]
| Success Plus | Prosperity | |
|---|---|---|
| Price (per month) | $149.00 | $129.00 |
| Initial working fee/first work fee | Same as monthly price | |
| 3-credit bureau challenges | ✔ | ✔ |
| Creditor interventions | ✔ | ✔ |
| Cease and Desist letters | ✔ | ✔ |
| Credit Builder Loan | ✔ | — |
| Other package inclusions: | ||
| Credit monitoring and financial tools | ✔ | ✔ |
Why we like it:
The Credit Pros is a business with certified FICO professionals handling your case. These experts come from the same company measuring your FICO credit scores.
Additionally, they offer reinvestigations. They'll contact credit bureaus when a successfully deleted item is reinserted into your credit report. The Credit Pros does this free of charge to ensure you get resolution on your cases.
FICO stands for Fair Isaac Corporation. The company measures the most common credit score to determine your creditworthiness. Almost 90% of lenders, banks, and agencies review FICO scores for loans, credit cards, and other financial products.
Requesting a Refund from The Credit Pros:
Want your money back? You are subject to some terms and conditions to get a refund.
Here are the requirements:
- You requested a refund any time within 5 days of signing your agreement with The Credit Pros.
- The Credit Pros did not assist you in sending dispute letters within 30 days since start of service.
- No items were removed from your credit report within 90 days since start of service.
Guarantees and Accreditations:
The Credit Pros offers a limited money-back guarantee and refund policy. It also has an A+ rating from Better Business Bureau[16], and is accredited by the National Association of Credit Service Organizations (NACSO).[17]
NACSO stands for National Association of Credit Services Organizations. It's a trade association advocating ethical practices in credit repair. It certifies credit repair businesses and professionals. And it is committed to upholding and educating credit repair companies with the highest standards.
Get a Free Consultation Today
- Plans start at $69/month and $119 first work fee
- 60 day money back guarantee
- Cancel service anytime
- Free Credit Monitoring
Creditrepair.com: for Credit Education
CreditRepair.com is one of the most widely known companies in the industry, offering credit repair services for over a decade, and has seen over 1 million sign-ups since 2012.
Since 2012, CreditRepair.com members have seen over 8.8 million removals from their credit reports. In 2023 alone, members experienced an average of six items removed from their credit reports.
CreditRepair.com pricing starts at $49.95/month. You will also need to pay a first payment that costs the same as the monthly fee.
Why we like it:
Not only are CreditRepair.com's services aggressive, but they also have aggressive blogs that cover various topics affecting credit.
Currently, you can read and learn from over 1,000 articles that CreditRepair.com has published. That means they not only help you improve your credit score but maintain it as well.
Also, the company offers a credit monitoring feature in its app. You can track unauthorized activities in your account. Other companies have this feature as an add-on which costs extra.
Guarantees and Accreditations:
Unfortunately, CreditRepair.com does not offer any money-back guarantee or refund policy. It's also not accredited by the Better Business Bureau or any organization.
You can calculate your potential credit performance in the credit score simulator. You can also access your dispute cases, current activities, and get alerts on your phone with their CreditRepair apps available for iOS and Android.
Now, it can get confusing having viewed all these options. How do you know what to choose? Here's a criteria to help you out.
How To Choose A Credit Repair Company
Credit repair costs are no joke. You may end up spending more than a hundred dollars monthly. At best, you want to ensure you are paying the right people to help with your credit.
Consider these factors when choosing a credit repair company:
- History and experience
The longer the company is in the industry, the more track record they have in credit repair. You will then have an easier time finding information and recent news about a company's performance, compliance, and relevant accreditations.FTC Shuts Down Credit Repair Pyramid Scheme Operating Since 2015.
Local authorities shut down Financial Education Services. The supposed credit repair company's practices violated several laws and offered worthless services to consumers for years.[19]These companies often do more harm because they are operating a scam, and may engage in illegal practices to fix your credit on your behalf. This seriously impacts your identity and credit.
- Testimonials and review
Are people talking about the company? You can search for forums, platforms, and even the company website to find out other people's experiences with their service. - Guarantee and refund policies
Not all credit repair companies are created equal. Guarantees and refund policies are not always available for you. It's best to look for these safety nets if you want an extra layer of protection for their services. - Locations
Always search for the availability of the credit repair company in your location. Each state has laws regarding credit repair. The company may not offer its services in some areas, especially if the business is not registered in your state. - Website and online presence
Websites and social media accounts give you information and ideas about the company you're prospecting.Reputable credit repair companies typically have large, established websites or official social media accounts at the least. Other companies may have more activities on their Facebook, Instagram, or LinkedIn pages.
You can look for crucial information on websites such as customer support channels, physical locations, office addresses, and blogs. Or call the listed phone numbers to verify if they are actually the company using the numbers on the website. You can also send emails to learn how responsive they are.
Free Online Credit Assessment
- Free Credit Score
- Free Credit Report Summary
- Free Credit Recommendation
- 5 Minutes to Check Your Credit
Get Free Consultation From Experts
- Challenges to three credit bureaus
- Score Analysis and Tracker
- 90-Day Money-back Guarantee
- No first work fee for additional family member
Get a Free Consultation Today
- Plans start at $69/month and $119 first work fee
- 60 day money back guarantee
- Cancel service anytime
- Free Credit Monitoring
Get Started on Your Credit Repair
- No charges for the first 6 days
- 90-day guarantee
- 45-day dispute cycle
- Cancel service anytime
How Credit Repair Works
To understand how these aggressive credit repair companies work, you must note these steps on how credit repair works:
- Credit repair companies will review your credit reports and identify errors in reported items.
- Professionals will communicate with the credit bureaus and send a dispute letter for erroneous items in your credit report.
- Credit bureaus will go over your dispute letters, and review and validate your removal request.
During your signup process or initial consultation, credit repair companies will analyze your credit reports and go through every item, information, and detail to look for errors or mistakes like inaccurate, outdated, or unverifiable items.
Then, the dispute process starts. The most experienced and aggressive credit repair companies will know how to strategize for your dispute letters resulting in removals. For you, this can mean providing supporting evidence to back up your disputes.
- Details for disputes like account numbers, dates, or balance errors
- Copies of previous credit reports
- Copies of updated personal information
- Proof of identity for cases of unauthorized transactions and identity theft
- Any documentation that can help result in a removal
The credit bureaus will validate the disputed item. They will remove your reported item if it's inaccurate, out of date, or past the statute of limitations for reporting, or not yours. Note that credit bureaus cannot remove reported items that are still valid and true.
How Long Does Credit Repair Take?
Credit bureaus have 30 days to investigate your dispute letter. But if you submit additional information, the credit bureaus will get an extra 15 days for additional investigation. This means, your dispute cycle can last from 30–45 days per error.
If you want to dispute for several items, you need to realistically allot at least 6–12 months of credit repair service. If your credit is in more severe shape, you may need to spend more than a year to aggressively dispute and fight for removals.
Each item will differ and the severity of your case can lengthen the entire credit repair process. Other factors like re-disputes, your current payments, and recent credit standing affect how fast or slow your credit improves.
How Can I Fix My Credit Aggressively?
One of the most aggressive ways to repair your credit is to do a DIY credit repair. Here's how you can do a DIY credit repair:
- Get copies of your credit report from AnnualCreditReport.com. You can get weekly reports for Equifax, Experian, and TransUnion for free.
- Go through all your credit reports and identify inaccurate items, questionable transactions, or items that don't like yours.
- Write dispute letters for the credit bureaus. Attach additional documents that can support your disputes.
The hard work and aggressiveness come from analyzing and combing through all your information and items on your credit reports. You may need to browse and cross-check hundreds of transactions and lines of information.
However, you will be more in-depth with understanding your credit. There's nothing quite as aggressive and hands-on as going through your own credit repair process and saving hundreds of dollars while understanding your finances better.
Our Methodology
There are several factors we considered to choose the best companies. First, we chose companies that have a long track record. The companies in this list have at least 10 years of experience. They have had thousands of clients and have done millions of removals.
Then we considered the inclusions in the services. Credit repair companies should generally offer:
- Dispute letters to the credit bureaus
- Credit report analysis
- Creditor interventions
- Credit monitoring features
- Professional consultations
Next, we took note of the plans and fees they offer. Credit repair companies can cost anywhere from $60 to $150 per month. Other fees we took note of include:
- Initial working fees
- Cancellation fees
- Additional charges for pulling up your credit
- Charges for declined payments
- App or software costs
- Discounts and promos
Lastly and most importantly, we considered what people talked about regarding their experience with these companies. We reviewed platforms like Google Reviews, Consumer Affairs, and Better Business Bureau. After all, there's no better proof of great service than word-of-mouth.
THE BOTTOM LINE
Aggressive credit repair companies may not be suitable for everyone. Although they have solid reputations and experience in improving credit, they do tend to have hefty price tags.
If you only have a few negative items, it may be better to look for other means to improve your credit. You may consider credit builder loans or credit builder apps as more affordable options.
That said, with the right budget and type of services, these companies can really help you out in bettering your credit score.
Free Online Credit Assessment
- Free Credit Score
- Free Credit Report Summary
- Free Credit Recommendation
- 5 Minutes to Check Your Credit
Get Free Consultation From Experts
- Challenges to three credit bureaus
- Score Analysis and Tracker
- 90-Day Money-back Guarantee
- No first work fee for additional family member
Get a Free Consultation Today
- Plans start at $69/month and $119 first work fee
- 60 day money back guarantee
- Cancel service anytime
- Free Credit Monitoring
Get Started on Your Credit Repair
- No charges for the first 6 days
- 90-day guarantee
- 45-day dispute cycle
- Cancel service anytime
References
- ^ Lexington Law. About, Retrieved 06/29/2023
- ^ Lexington Law. Our Services, Retrieved 02/17/2024
- ^ Lexington Law. FAQ: How much does Lexington Law cost?, Retrieved 03/02/2024
- ^ Credit Saint. Packages, Retrieved 02/17/2024
- ^ Credit Saint. Google Reviews, Retrieved 9/25/2023
- ^ Better Business Bureau. Credit Saint, Retrieved 06/29/2023
- ^ Sky Blue Credit. Member Pricing, Retrieved 02/17/2024
- ^ Sky Blue Credit. Google Reviews, Retrieved 9/25/2023
- ^ Consumer Affairs. Sky Blue Credit Repair, Retrieved 9/25/2023
- ^ Better Business Bureau. Sky Blue Credit, Retrieved 06/29/2023
- ^ Sky Blue Credit. Customer Service, Retrieved 9/25/2023
- ^ The Credit Pros. How Much Does It Cost, Retrieved 7/2/2023
- ^ The Credit Pros. Google Reviews, Retrieved 9/25/2023
- ^ Trustpilot. The Credit Pros, Retrieved 9/25/2023
- ^ FICO. What is FICO, Retrieved 9/25/2023
- ^ Better Business Bureau. The Credit Pros, Retrieved 06/29/2023
- ^ NACSO. The Credit Pros, Retrieved 06/29/2023
- ^ NACSO. About us, Retrieved 9/25/2023
- ^ Federal Trade Commission. FTC Shuts Down Credit Repair Pyramid Scheme. Retrieved 06/22/2023.
Write to Alex Mambaje at feedback@creditdonkey.com. Follow us on Twitter and Facebook for our latest posts.
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