Credit repair companies, rated on how they treat you.
Best Credit Repair Companies of 2026, Compared & Rated
Side-by-side prices, fees, and track records, rated on how each company actually treats its customers.
No one can legally remove accurate, timely negative information from your credit report.
Why we're different
We rate credit repair companies on ethics and compliance
Not on price, not on star ratings, not on who pays us the most.
We rate compliance, not hype
Other sites rank by price and stars. We check how a company charges, whether it's registered and bonded, and whether its marketing is honest.
We track enforcement
We monitor FTC, CFPB, and state attorney general actions so you can see which companies have been caught breaking the rules.
Paid placements never buy a score
A company can pay to be featured, but it can never pay for a better Ethos Score. Ratings follow our published methodology.
Top-Rated Companies
The companies we've compared
Real monthly prices, setup fees, and guarantees, checked September 30, 2026.
| Company | Monthly price | Setup fee | Guarantee |
|---|---|---|---|
| Credit Firm | $49.99 (individual), $89.99 (couples) | None | None |
| Sky Blue Credit Repair | $79 / $99 / $119 | Equal to monthly fee, charged 6 days after sign-up | 90-day refund |
| Safeport Law | $89.99 / $129.99 | $89–$129 | 90-day money-back on Credit Cleanse; refund if nothing is removed |
| The Credit Pros | $69 / $129 / $149 | $119–$149 | 60-day service extension (not a cash refund) |
| Credit Saint | $79.99 / $109.99 / $139.99 | $99–$195 | 90-day money-back, with conditions |
Popular guides
Start here
Our most-read comparisons, research, and consumer-rights guides.
Best Credit Repair Companies
9 companies compared on monthly price, setup fees, guarantees, and cancellation.
Read →CompareCheapest Credit Repair Companies
Real 6-month costs so you know what you'll actually pay.
Read →CompareMoney-Back Guarantees
Which companies offer refunds, and the conditions attached.
Read →ResearchCredit Repair Scam Red Flags
9 red flags, each tied to a real FTC or CFPB enforcement case.
Read →ResearchEnforcement Tracker
Every FTC, CFPB, and state AG action against credit repair companies, 2019–2026.
Read →ResearchCredit Repair Statistics (2026)
25+ sourced numbers on errors, complaints, costs, and enforcement.
Read →Featured Partner
A featured placement, kept separate from our ratings
Featured Partners pay for visibility. They cannot pay for a score.
Before you hire anyone
Five red flags that signal a scam
If a credit repair company does any of these, walk away.
Upfront fees before work is done
Under federal law, a credit repair company cannot charge you until it has fully performed the services it promised.
Guarantees of results
No one can guarantee that items will be removed or that your score will rise by a specific amount.
Telling you to dispute accurate info
Disputing accurate, timely negative information is not a legitimate strategy and won't legally remove it.
Telling you to create a new credit identity (CPN)
Using a Credit Privacy Number instead of your SSN is illegal and a common scam signal.
Pressure to sign fast
High-pressure sales tactics are designed to stop you from reading the contract or comparing options.
Free things you can do yourself
You can do most of this without paying anyone
Credit repair companies charge for things you have a legal right to do for free.
Get your free weekly reports
Pull your reports from Equifax, Experian, and TransUnion at AnnualCreditReport.com — the only federally authorized source.
Visit AnnualCreditReport.comDispute errors yourself, for free
You have the right to dispute inaccurate information directly with the bureaus. You don't need to pay anyone to do it.
Read the DIY GuideEnforcement Tracker
Latest actions against credit repair companies
Regulatory enforcement from the FTC, CFPB, and state attorneys general.
Get our monthly enforcement roundup.
A short email summarizing new FTC, CFPB, and state actions against credit repair companies. No spam, unsubscribe anytime.