Best Credit Repair Companies

Anyone with a low credit score can tell you that bad credit sucks. Fortunately, it is possible to fix your credit with credit repair.

Thousands of people have been able to improve their credit score by repairing their credit reports. If you have had difficulty getting reasonable loans in the past, raising your credit score through credit repair can help you qualify for lower interest payments. These lower payments can help you purchase a new car or even get into a new home.

Even if your credit score is good enough to get a loan, improving it by just a few more points can save you thousands. Using credit repair to increase your credit score from 680 to 720 can save you a hundred dollars or more per month on your mortgage payment; a savings of tens or even hundreds of thousands of dollars over the course of your loan.

You can clean your credit yourself or you can get help from a credit repair expert. This is a top ten list of the best credit repair companies out there.
Don't agree with the list? Vote for an existing item you think should be ranked higher or if you are a logged in, add a new item for others to vote on or create your own version of this list.

The Top Ten

Lexington Law
1
Lexington Law

+10I used Lexington to repair my credit. Talking to my personal paralegal about my situation helped me to wade through the mess. Lexington helped me get my score up by 247 points! If you're looking for Credit Repair, go with Lexington

+8What can I say about Lexington? I've only been with them for a month and I am already seeing slow, but steady results. I have been told by Lexington that it will take 60-90 days to see preliminary results; I don't have a problem with that. My credit damage occurred through unemployment issues; something that profoundly affected my life. For those that are not deemed "credit-worthy", like can become a living h*ll as employers, landlords, mortgage companies look into your credit report routinely. You are made to feel that you committed a criminal crime and that you should be imprisoned for it. Bad credit is most definitely a prison term and that's not an exageration. I am already singing praises for Lexington Law Firm. My experience thus far as been nothing but professional. I am informed of every dispute letter, every e-mail or other correspondence they are doing on my behalf. Their service is worth every penny and more.

+7I started with LLF back in 2006. My score was in the 300's I stuck with them because they kept on taking off negative items until I was up to 737. June 2009 I was able to buy a home. Could not have done it with out them. Refer all in need of credit repair to them. One thing I do know it takes patience and commitment. Worth every cent.

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Sky Blue Credit Repair Services
2Sky Blue Credit Repair Services

Sky Blue was referred to me by a friend who described them as a smart, more personal alternative to the big automated credit repair companies. They did an amazing job for me and I thought I'd pass the recommendation along. Here are a few things about my experience with Sky Blue I want to share. 1) They didn't charge me until they reviewed my credit, gave a consultation, and made sure I was comfortable. 2) They went to work really fast, stayed on the case, and kept me updated. 3) The customer service was completely satisfying and I never felt lost. 4) They did everything for me, and I'm a busy person, so that's exactly what I needed. 5) Their program was worth its weight in gold. It wasn't an overnight fix, but in six months my scores improved 120 points and my reports are amazing to see. To sum it up, they were exceptionally professional and effective. I strongly suggest you try them too.

I am totally thrilled with Sky Blue. Before I joined them my credit was shot and I felt pretty hopeless. It was not a good feeling. Right now I am so happy that I took the big step and signed up. Almost all of the bad marks on my reports are gone and my credit scores seem like a miracle to me. Sky Blue approaches the business in a very realistic and systematic manner which I am so impressed by. I recommend this group very strongly for anyone that is looking for a real cure for their credit problems.

Sky Blue Credit, one of the more seasoned members of the credit repair community, has been in operation since 1989. Once a south-east regional operation with a significant following, Sky Blue now offers its powerful credit repair program nationally. Completely dedicated to producing the optimal result for each customer they utilize an impressive array of tools gathered over almost two decades of operation.

The hands-on approach utilized by Sky Blue insures that each customer gets the personal attention that makes it possible to produce truly dramatic results. Sky Blue provides their complete range of services for a single low monthly fee without requiring any upgrades or costly program options. The Sky Blue program includes expert credit bureau disputes, debt validation, and comprehensive counseling services. The Sky Blue program is ideal for anyone interested in real and lasting credit improvement.

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DSI Solutions
3DSI Solutions

+5These guys changed my life. SO happy I signed up with them. My wife told me not to do this type of thing, then after 4 months, she signed up with them too. My score went up 137 points. I'm Thrilled! Highly recommend!

+1I love dsi, I was looking for a house for my family, but my credit score was not looking good I went with dsi after 5 months my score jumped 156 points.. WOW... this is great
now I tell everybody to go with dsi...

+1I am very happy with their service.

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4National Credit Fixers

+6This is a great company. The service personable and Matt makes it obvious that he cares about you as the customer.

+5Matt is fantastic about helping with credit problems and helping find solutions to help me and I am thankful for him. Thanks Mat and keep up the hard work my friend. without your help our credit would be in the toilet.

+4Matt and his staff are hands on, dedicated, and passionate about making a difference! You can not go wrong with them. A call to them is a call that will change your life... and addition to your credit.

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5Ovation Credit

The best there is. Couldn't be happier with the services. These folks are very helpful. Very happy...

They are the best of the best plain and simple been there done that nobody compares to Ovation

Very responsive. Ovation helped me with several issues and I was very happy with the customer service. I recommend them.

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6Veracity Credit Repair

Veracity Credit Repair help me during a tuff time. Not only did they understand a few months when I was unable to pay them, they kept the account open until I was back on me feet to continue paying the small amount. I did it for two months and they removed about 4-6 items. Imagen if I did it for one year. I will be starting back up with them in a few weeks because due to unemployment my bills fell behind. I need there help once again. I will do it for 12 months striaght. I hope my points go up from 575 to at least 680!

Veracity has helped not only me but so many of my family members as well as friends. We always refer people to them and with great results. Thanks Veracity!

I have worked with Veracity for years and they have always been a tremendous help to me and my clients. I refer all my clients to them if they need help with their credit. and the staff at Veracity is top notch and very helpful.

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7180 Credit Solutions

This company actually does the necessary steps that are required by law to not only get the illegal items off the credit reports but to KEEP them off! Imagine that! If all credit repair companies were ran like this one, the industry wouldn't have a bad reputation!

Thanks you 180 Credit Solutions for everything you did for me and my family! My scores were so low I would have been denied for bubble gum 4 months ago and now I have been prequalified for a home loan!

Sarah Carey has helped in so many ways and she never stops! She stays in contact with us and always gives us the best advice!

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8My Credit Group

My credit group did a wonderful job for my wife's credit. Our program lasted almost 7 months and her score increased by 83 points. We also established our first new line of credit since our bankruptcy.

Money well spent

Mycreditgroup offers a lot of stuff. Credit repair, lowering my credit cards and helped me get a new card.

This company is legit. Not like other large companies that make you do all the work yourself and just send out generic dispute letters. My Credit Group had a custom plan setup just for me. And so far it has worked great. I have went from a 554 to a 682 in 2 months. They get my vote!

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9Academy Credit

Loved Academy credit I was so impressed with my credit mentor she was great to work. I am at the lowest interest rate available through my credit union. My intrest rate alone has saved me so much money.

Academy Credit made me feel like they really took into consideration my situation and worked with me to get my score up. They helped me a ton!

I was with Academy Credit for 6 months and they were able to remove 39 negative items from my report. I was in a really bad situation and they were very kinda and help me out so much!

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10Credit Attorney

I have been with for almost a year and have not seen a lot of change in my score. They do however, have a very fast response time when you contact them.

The Contenders

11National Credit Consultants

+1When I started with National Credit Consultants, My middle credit score was a 510 I needed a 620 to be approved for my mortgage. Not only did I reach a 680 credit score I went on to getting a fantastic interest rate on my new home. Their credit repair program has helped me more than I ever thought possible. Since then I have signed up my wife, three family members and about two friends. They all have seen a significant change in their credit scores and all are happy with the customer servive that National Credit Consultants provide.

These Guys are Amazing. My scores went up over 75 points in the first month. they are up front and honest. Thank you so much.

Marco, Stephanie, and their team helped me rebuild my credit after a foreclosure and bankruptcy. I cannot thank them enough!

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12BCR Consulting

+1BCR is the reason we could buy our first home. They raised our score from a 550 to 715. I am so grateful to them! I HIGHLY recommend them!

shelas

+1Fair, honest and reliable, qualities that have became harder and harder to find in most companies. After my experience working with them I recommend BCR without reserves.

+1Awesome service! Fast, professional and willing to do the work to get it done. Ask for Matt Brown he's the man when it comes to credit repair.

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13Trinity Credit Services

+2I was successful with them. I have referred others as well. They didn't tell me a price until I spoke with them, but they assured me that they're not cookie cutter and charge everyone the same price, which relieved me some. I won't disclose what I paid, but it was less than $1000. Joey helped me and his extension is 212. His email address is joey@trinitycreditservices.com. Let him know that I sent you, because I told him I would post on this review site. My name is Wendy Schilt.

+2One of few credit repair companies I've seen that's registered with the Secretary of State and bonded. It's hard to give a company your confidential information if they can't prove that they are legal. At least with Trinity, you can have that re-assurance. They have proof of their credentials posted on their website. I used their services in the middle of last year and was hesitant to refer them to anyone until I had received all of my results. I had a Chapter 7 bankruptcy, several collections, a reposession and a whole mess of bad credit. When I started the program, my credit score was 523. The bankruptcy was deleted! I couldn't believe it when I got an updated credit report and it wasn't there. They pretty much deleted everything else as well, but the bankruptcy was all that I really cared about. My score is a 672 now and they gave me steps to follow to get above a 700 within the next few months. I'm so excited and recommend Trinity Credit Services whole heartedly!

+1So far, Bo Smith from Trinity Credit Service is the best credit consultant that I have encountered! He spent time listening to you and is genuinely helpful in trying to analyze what could be wrong with your credit. He gave me advice and tips that I needed to help build my credit. You can tell that this guy is a wealth of information and is experienced. Did I mention this consultation is free of charge! Amazing! Look for Bo Smith next time you need a credit consultant!

s4br1n4

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14Good Life Credit

I was wary of using a credit repair company after hearing and reading so many negative things about them. But the lawyers at Good Life Credit took care of items that I could not seem to get cleaned up despite my writing my own letters - and they were able to handle it. I felt good knowing that they were lawyers because I felt it added an extra layer of validity to the process. Money WELL spent. Just bought a new home, which I think is remarkable in this lending environment.

My husband and I were referred to Goodlife credit by a mortgage broker. We signed up in October 17 2009.
I was just starting to get discouraged by the responses I was getting. Then all of a sudden we started geting credit reports with multiple deletions.

So far we have had 11 deletions in less than 3 months.

If they can keep it up we will buying our first house in time to get the $8000 tax credit.

I wish that we had started sooner!

marie12

I had tried other companies to try and help me with my credit and the only company able to do so was GoodLife Credit. They did an excellent job, I will definitely recommend this to anyone who is trying to better their credit.

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15Credit Scoring Advisor

Our managing partner, Daniel Sater C.C.E. is a Nationally Recognized Credit Expert. Dan had written the authoritative book on the credit industry, "Credit Scoring Secrets... the Credit Industry Doesn't Want You to Know"

16Attractive Credit

juan m is perticularly personable and respectful greatful to be working with him

this is an outstanding service. step by step process. easy to apply. confident and secure. excellent service and effort for getting you a better credit score.

I would like to thank attractive credit for doing what I tought it was impossible, fixed my credit and guided me to increase my score and be able to buy my house.

Thanks to attractive credit

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17Alexander Credit

+1They switched to veteran only cases, I'm not a veteran, but they still offered me advice on choosing another credit company, exactly what to look for and what to avoid. I appreciate the time from Alexander Credit.

+1great to deal with. spent 6 months with them, my case was not easy and quite time consuming.

+1They told me they are temporarily not accepting cases except for active or veteran military service members... they're going to call me. My friend told me they were the best, it's worth the wait... glad to see they're at least helping someone out...

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18Credit Pros Intl

A - Stellar service, and great results.

Been enrolled only for a short time, and in that short time I have been with them my credit score has gone up by 100pts!

These Guys are Amazing. My scores went up over 75 points in the first month. they are up front and honest. Thank you so much. Chris

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19Walton Credit Repair

They were fast, cheap and wonderful service. Most of all I trust them.

Thank you! I have realized the importance of having and maintaining a GOOD credit rating. I cannot tell you enough how much I appreciat all your hard work.

They were not a fortune and they fixed my credit. Would recommend.

20FINIV Credit Counseling

+1They repaired my credit and helped me purchase my new house, it took a little longer thank expected since the program was for 180 days and I was able to close at around 7 months but I loved how they were able to remove close to 90 percent of the wrong information that my credit report had.

After being scammed by another company my loan officer recommended finiv its been 4 months and 70% of my items have been removed they still have a lot of work to do but I can't complain they are very professional and do a great job

Amazing how many times I thank finiv credit for helping me buy my house they fixed my credit in 3 months and they are still working on my file. Call them

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21CRE Credit Services

I went from the low 500's to well over the 700's!! Brett K. was the consultant I worked with and he broke everything down for me, made me understand how my score is calculated, and gave me a free consultation where we put together a "plan of action" as he called it, and we started repairing my credit right away!! Brett even offered to help me find a job, which I am now currently employed and my credit is AMAZING!! I had 14 of the 24 negative items deleted in just 38 days!! He even helped me with referrals and signed up my sister and best friend which saved me two of my monthly investments, and they are currently in the program seeing great results, and my friends getting more deletions than me!! Best Credit Repair Company!! Can actually TRUST!! I was very hesitant but after speaking on the phone for only 5 minutes I knew right away I could trust this place!! Also they have a 100% guarantee and can remove anything on your report if it ever reports again, and you know right away with their free credit monitoring system they give you for free as part as a benefits package, along with hundreds of other benefits and savings!! A

These guys are the best. They got our credit fixed and we were able to get qualified quickly. We were very pleased with their services!

I used CRE credit services and so have several members of my family. We have all gotten qualified for homes now! I was kind of shocked when I saw this list, because I used two of the companies in the top 3 first and paid them a lot of money and got terrible results. My sister and her husband used another company that was in the top 5 and had a very bad experience as well. CRE was recommended to me by my cousins wife who manages a mortgage branch. She told me their entire branch used CRE and had great results so we gave them another try. I can tell you these guys are nothing like these other companies. They explained the difference between what they did and why they were different, and how one of their owners worked in a legal department at Experian. I am so happy I gave them a chance, because we were pretty down that we could just not get qualified for a home. We closed on our house september 2009 and since then three of my family members have already closed on houses by using CRE. The great thing is they didn't just get me qualified, but I got such good credit that we got a really low interest rate and saved a lot of money. After all of my bad experiences I can say don't gamble with a company to fix your credit, I still don't understand how CRE is ranked number 1. It looks like the top 3 are "sponsored" and I would guess some of these other ones have employees voting or something. I can't say everyone is bad, but I know 4 bad ones and 1 great one. I don't want to say names, but I can just recommend CRE personally!

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22MSI Credit Solutions

MSI offers a HIGH integrity service. They really did what they promised me and gave me a very personal experience, GREAT communication and walked me through the entire process so in just 5 months I was able to walk through the door of my brand new home! Thank You MSI!

Baldman123

I had bad credit since college... couldn't buy anything for the past eight years... MSI helped me fix my credit as well as educated me on how to keep good credit... Thanks MSI! MSI Credit Solutions Works!

MSI credit solutions raised my credit score 110 points in only 4 months. They have helped me take the first steps toward getting my life back on track.

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23Onyx Legal Credit Repair

Best Credit Repair Service in Detroit! This is by far the best credit repair company in Detroit, fast prompt service as well as excellent customer service. I highly recommend Onyx Legal Credit Repair. 313.228.5572

Great Customer Service.. Onyx Tax and Credit Services did my Detroit Income tax return and my Credit Services in the Dearborn area.

Raised my credit score 150 points in 60 days, Great customer service, great affordable pricing. They also deleted 25 out 27 negative items off of my Credit reports... Thanks onyx!

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24Credit Care Corp

Are currently running a 50 percent discount and A BBB rating.

skipmull

They not only eliminate unsecured debt but they restore your ccredit also.

They are now running a 50 percent discount program due to the tough times.

skipmull

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25Credit Saint

+1I truly enjoyed working with Credit Saint, when they fixed my credit. They were very attentive and committed to dealing with my account. I called often with questions or concerns and they were always happy and willing to help.

When I was looking at some different sites to explore credit repair companies I found Credit Saint was a very user friendly site. You can make appointments to speak with representatives or even request to speak live with one.

I would highly recommend Credit Saint to anyone who wants fast, personalized, and committed service.

Choosing Credit Saint is the best decision I ever made. They raised my score 115 points in 5 months and now I am able to buy a house (with 6% finance). I have recommended them to everyone I know because they really are that good. They are a great team of people and always so nice and understanding when you call.

THANKS SO MUCH CREDIT SAINT!

Credit Saint is a company that strives to separate itself from the competition. You can always get a human on the phone but no receptionists, everyone there is a credit specialist who can help you with whatever you need. No getting sent to voice mail or bounced around from department to department.

As far as costs, they are not the cheapest credit repair firm out there but you do get what you pay for and they are very easy to deal with if you need to move a payment back a few weeks or can't afford to pay your inital fee upfront.

Credit Saint is all about speed speed speed. Some Credit Repair companies limit the number of disputes they will send out per month to drag out the time it takes to get your credit fixed, Credit Saint disputes everything on your report the first day. And then gives you progress reports each month to keep you informed of the status of your repair.

They also offer nice options, like once your credit repair is complete, they will refer you to a mortgage lender who will credit you back every dollar you paid them for credit repair.

I worked with Peter. My repair is complete I have my new house and car and I still call him just for the free credit advice.

I would recommend Credit Saint to anyone who is serious about credit repair.

26American Credit Auditors, LLC.

+1Highly effective with proven results! A online credit services company that is the most cost effective among the rest. They actually encourage consumers to use there "Do It Yourself CD-Rom Kit" in lieu of there services for educational purposes. Awesome company!

habakkuk

27Credit Ladder

+1Credit Ladder helped assess my personal situation and provide the outmost excellent customer service I have ever received. Nick at Credit Ladder was kind enough to evaluate my credit history and offer several alternative options to getting back on track. He treats every client with the utmost respect and courtesy.

A co-worker recommended credit ladder to me when they heard I was upside down on some payments. I was skeptical at first, but the service I received was outstanding and they helped me fix my bad credit score so easily, I was very pleased.

28Best Legal Credit Repair

+1These guys know how to deliver results without any delays. I was in their program for 3 months and my FICO raised 70 points. Outstanding job!

+1I was skeptical at first because I didnt get results with a different credit repair company but these guys know what they are talking about! Very good consultation, and already got deletions in my first month!

+1This company consists of the best in the field. I was assigned a peronal counselor and the first round of disputes deleted 7 items which was outstanding

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29Legacy Legal Services

Legacy Legal cleared the negative items off of my credit reports within 3 months... I had NEVER used my credit, but that didn't stop the credit bureaus from adding negative accounts to my reports. To my suprise when I applied for a credit card, found a list of negatives that had been paid off long ago, and didn't belong on my reports. Legacy Legal also explanied to me that the Bureaus are not motivated to removed negative items on their own as consumers are not the ones that pay the credit bureaus... BOY WERE THEY RIGHT! Even with a letter from the CREDITORS saying oopps that doesn't belong on your reports, I still had to have Legacy Legal help me, Thanks for you help Legacy Legal and I am now the proud owner of my first home!

Legacy Legal is doing a great job for me. I lost my house last year and my credit dropped into the 500s. I am now in the high 600s in only 6 months. I am also learning a lot of new things to keep my scores high. So far, I am very happy with all the help they have given. Thanks Legacy Legal!

I normally don't comment on these types of things but Legacy Legal simply did a great job in getting me the credit scores I needed to get my house. They are Awesome!

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30Go Clean Credit

I am so thankful I went to go Clean Credit. They raised my score from 493 to 665! They changed my life. They remove items as quickly as possible and have great one on one service.

Very good results. Tons of education. I never knew everything worked that way until their team sat down and explained everything to me. Would highly recommend!

Go Clean Credit helped me raise my score 150 points in 90 days and helped me remove my bankruptcy!

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31Fowler and Fowler Credit & Debt Solutions, Inc

Fowler and Fowler Credit Services helped me bring up credit score up nearly 70 points in a matter of 5 months, They improved my score enabling me to purchase my first home. Thank you so much for all your hard work and help repairing my tarnished past.

I am currently useing fowler @ fowler and the first thing they removed from my credit
report was a bankruptcy, you would have thought it would have been an inquiry but hey,
guess she decided to go for the head of the beast and the rest is a piece of cake.

had no problems with their service--after six months at a low fee my credit in now completely cleaned up. I wish I had done this years ago!

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32United Credit Education Services

Over 170,000 Clients
Money Back Guarantee
Top rated with the BBB With no unresolved issues
Removed over 500,000 Derogatory items from credit reports to date - over 50,000 just in public records
Been in business for 6 years
Debt free company
Is a Credit Union Services Organization (CUSO)

I personally used their service and within 45 days saw my score go up 90 points and had nearly 80% of my items removed off my credit report!

Hands down this is the best company!

Awesome customer support and results. Priced right for the market.

This company is in business for 11 years. Grada A with the BBB. Offers money back guarantee! And great results in their 11 year history.

33Consumer Credit Capital

+1Consumer Credit Capital is a Registered/bonded Credit Service Organization in Texas and a Registered/Bonded Debt Management Company in Oregon

They Never-Ever Charge any Up-Front Fee. Call them for a free Evaluation.

Here is what one of their clients had to say. A real testimonial.
SNIP

"I was well aware from the news reports about the many false promises made by companies claiming to be credit repair companies and guaranteeing to fix a persons credit. So I was skeptical, but we were also in need of expert help. I appreciated your honesty and the fact that you did not make guaranties about her credit.

I was also wary of the contract and how much help we would get for one round of service. I realized owning a business myself that you need a contract to define what work will be completed for the agreed payment. So at first I figured we would take the chance because we needed the help.

Wow, was I impressed by the amount of work you put in on our daughters behalf. I am not sure how much you went above and beyond your standard contract but I feel like we under paid you. While it proved difficult to improve her credit dramatically and it still took time waiting on the companies to update even with your writing all the letters and addressing all the envelopes, we could not of accomplished what we did or as fast as we did without you. I will definitely recommend you to anyone that needs advice and help with fixing there credit. It is apparent to me now that starting right away is the best approach but also doing things the right way when dealing with debt collections companies makes all the difference in fixing your credit.
I learned a lot working with you and thank you again for your diligent work.
Bert I. "

Kingston

Great Service and program as there is no upfront fee and their specialists take time to teach credit reporting and scoring during the free evaluation process.

Great free credit repair evaluation, which included a review of credit reports and scores. As good as the free evaluation was the credit repair service was even better.

34Credit-CPR

Somebody in the is business who tells you the truth?! Way to go Andres at Credit CPR!
Thank you, you were a world of help.

Ask for Erik. He is without a doubt the best at what he does.

Could not belive that they did what they said they would do for the price I was quoted. I highly recomend their services.

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35NCA Credit Repair

I watched all the videos & followed all the advice. This is a DIY credit repair, NCA offers advice and tips on how to improve your credit. My husbands score jumped 55 points in one month!

I used these guys back in 2004 to clean up my credit. They did a great job and removed several judgments and my bankruptcy. I was just searching for them again and came across this site. Since 2005, I have messed up my credit again and need their help. I would not even think about using anyone else.

I am confused as to why nca credit repair is so far down on the list. I had been a client of lexington and dsi for nearly a year before finding nca. I cancelled with the others and in less than 3 months, nca credit repair removed my bankruptcy, tax liens, and 12 collections from my credit reports. It was the first time I felt like a credit repair company actually cared about getting me results.

36Monarch Credit Repair

Thank you! I got my Loan!

Very reasonable and kept their promise to remove inaccurate information.

Excellent Service and value. Fees were very reasonable about $675.00 less then other companies. And my Report is accurate now.

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37The National Heavensent Company

I visited their office in Fayetteville, NC and took advantage of their free consultation. I was not in horrible shape but my identity was stolen while I was in Iraq. Nikki helped me dispute inaccurate items on my report, file proper police reports, put a fraud alert on my reports and advised me on ways to build positive credit. That was a couple months back and I reffered 6 Soldiers to them since and they have done an amazing job with their credit and saved one Soldier's security clearance. They are an amazing company and I am please to say last month, they financed my first home and got me the $8,000.00 tax credit. This is truly a great company and they provided me with all my rights and the credit repair laws. Highly recommend them to anyone.

This company is owned by a Combat Wounded Disabled Veteran. They are a Christian company and do wonderful business. The have a multitude of experts and provide Credit Repair Service, Home Loan Lending, Commercial Lending and Financial Planning. Many of the credit repair companies if you look on BBB have so many complaints. NHC has been in business for over 7 years and they do not have a single complaint ever filed and their bonding has never been inquired for a refund. They do amazing business and are true experts in the industry of nation wide credit repair.

Credentials for NHC:
* Accredited by the Better Business Bureau (BBB)
* Maintain an (A) rating on BBB with 0 complaints ever!
* Back and monitored by Dun & Bradsteet (D&B)
* Federally registered in accordance with the FOCA
* Licensed nationally
* Bonded Nationally
* Combat Wounded Disabled owned business
* Lifetime guarantee on services

Credit Repair Service: Free Consultation & Lifetime Guarantee

NHC's Credit repair service is what we are known for world wide. We say world wide due to the fact that we work with a lot of Soldiers, displaced civilians and US citizens living abroad who need help fixing their financial situation, no matter where they are in the world. We have an amazing software and a group of financial experts to work with you to get started on the financial path you deserve.

johny182

38Prime National Credit Repair

+3The best company on the web! I have used a few companies to repair my credit and this company was the only one to do it successfully. I would recommend this company to anyone that is serious about improving their credit

Great to work with. Representatives were very helpful not only in repairing my credit but also through showing me how to keep my score up.

39Premier Credit Consulting

The team at Premier Credit Consulting helped me qualify to purchase a home in Utah. My home builder recommended their services and they were awesome!

40Beaufort Credit Services, Inc

I used them to help me repair my credit, and they increased my score over 182 point in a matter of 21 days. I got the referral of merchant circle and these guys are GREAT!

41National Credit Alliance

+1Keith the VP of sales was so nice to us, he found us the lowest home rate out there.

+1Thanks to NCA I was able to get my first home! They are great to work with! Fast and efficient! The staff is very friendly and understanding.

+1This credit repair program really works! Thank Jeff Davis for all your hard work.

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42MyCreditSpecialist.com

We are a compliant, ethical credit repair company that has consumer's best interest in mind.
No up Front Costs
No Enrollment Fees
No Reoccurring Monthly fees
You only pay after we achieve results for you!

43Credit Mindset, Inc

560 to a 640 in 3 months! Not sure how they do it, but they did it! Don't know if they are "the best"? but they did what they told me they would do! A in my book.

Pretty simple process, just do what they tell you. I know my laziness is mostly to blame for my bad credit, so its on me to keep it going, they did good at helping me get a jumpstart.

This team is amazing! No only do they help you fix your credit, but they educate you on how to maintain it! I would have gone back to my old ways if it wasn't for Brian and his team. Thanks guys!

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44Online Credit Attorney

Im a single mom that needed help being that I'm a single mom I was really tight on funds, I'm glad that I found a compnay that does what they say they can for a fair price! Thanks OCA...

Antman0110

Great company the Techknowledge and the sheer excellent customer service they provide is second to none! I started with OCA two years ago, around 9 months ago they completly satisfied all of the deraugatory information on my credit report... the only reason I'm still with them is for consulting purposes any time I have a question and or concern about the market I call and they take care of the problem. Great service fair price couldn't ask for anything more! Thanks Justin and the whole OCA team if it wasent for Yall I wouldn't be in my home!

Trish

Great company they NEED to be at the top of this list!

Lordhasta

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45Trey Hall & Associates

Trey Hall & Associates provided top notch service at an affordable price. They worked efficiently to repair our credit while making sure we fully understood our credit scores as well as the credit restoration process. A

Excellent service at a fair price. I love the ability to make monthly payments, but even more I love the fact that the consultants are very knowledgable and friendly. This company truly makes you feel like a person and not just a file number. Thank you so much!

What a lifesaver! I was trying to buy a new home for me and my family, when much to my dismay, I discovered that my credit scores had become down right embarassing! 543, 570, 601 to be exact. WHAT? Just a little over a year ago When I bought a new car they were all 3 above a 700. "What in the world happened? " I asked the loan officer at the mortgage company. He was very honest and replied, "Im not really sure? You have great payment history on your auto loan and your credit card accounts with no late pays, but there are several collections. All are medical except one that seems to be a cable bill. " MEDICAL BILLS!? I have full coverage insurance through my job and have had for 14 years. Then the loan officer told me that he knew someone who could figure this mess out. He told me to call Trey Hall & Associates and I did. Within ten minutes of looking at my report and asking me a few questions, the senior consultant told me that he had good news and better news. Good news is - He told me that by making some adjustments to the balances on my credit cards, my scores should improve enough for me to get the home loan. (This was free advice! ) I was excited to hear this. The better news - He said that he could help me by working to remove the erroneous medical collections. The cable bill however, should not be disputed because it was really mine and it was reporting correctly, he said. However he told me that he could negotiate a settlement for me on that account and could probably get them to remove their reporting of the item from my credit, as part of the settlement agreement. (He also said that I could do all this my self for free) I told him that I didn't have the time or proper know how to do it myself, but I wanted to use their services. So I did... and it worked exactly how he explained it to me! I paid down the balances on my credit cards, while they worked to remove those erroneous med bills and settle the other account. The end result? By the end of just 90 days they were able to get those negative collections removed, I had paid my cc balances down as they advised, and my scores were higher than they had ever been! 715, 726, 760 Amazing Results! Amazing service! Great Advice! I encourage everyone with credit issues to give Trey Hall & Associates a call!

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46Credit Assistance Network

+2I used em, they took 8 months to remove a bankruptcy, a judgment and about 15 collections, money well spent

+2The cleaned my scores up and they are A-Rated with the Better Business Bureau!

+1My husband and I have been members of Credit Assistance Network for the past eight months. In that time my husband's credit score has gone up by 90 point for one agency and 83 points in another. We are pleased with his results. My results have not been nearly as impressive. My best increase is only 38 points with one of the agencies. Still overall I would highly recommend Corey and his team to anyone that would like help improving their credit scores. It is rare to find a company that does what it says they are going to do all while providing excellent customer service.

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47Quality Acceptance Group

These guys are awesome! They helped me and my husband become able to purchase a home, and they even went over and beyond on helping me build my credit further. The customer support was excellent and the friends/family that I have referred have been happy with their services as well.

48National Credit Solutions
49Andorra Credit Repair
50Credit Solution Group

Credit Solution Group truly cares about their clients. They help set goals and give us the tools to make it happen. I would recommend them to anybody serious about getting there credit fixed once and for all.

If you are looking for a company who cares about you as a client and getting the credit you want Credit Solution Group is the one. They are not like most business who just care about making money. You know that they truly care about getting your credit better.

I am very happy to say that I have no regrets and now am able to have the credit I always hoped for and have been able to purchase my first home!

One word - Amazing! Their service and communication is so great. If you want help with your credit I highly recommend you contact Credit Solution Group to get you the best results.

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51The Credit Builders
52Veritas Credit LLC

Veritas Credit does more then credit repair as this is only one aspect of credit optimization. Veritas Credit Focuses on the entire scoring model for its clients to help them achieve the best results. Simply put with Veritas Credit you only pay for credit correction if we get you a positive results. No result, no charge.

Learn if you qualify for our advanced services with a FREE Credit Report Review.

Veritascredit

53Credit Doctor Company

Plan Advance is just exactly what I need, thanks for the help! By the way, great customer service!

Toni Mendoza helped me understand different problems with my reports

They were pretty good. Got approved for the home loan I wanted. They also showed me hot to refinance my car through a nearby credit union.

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54Simple Credit Online

Simple Credit Online gave me such superior professional service from beginning to end.

55HTDI Financial

The enrollment process was very easy. They didn't charge my account until they drafted letters... every item, all three bureaus, every round. Online tracking and automatic emails... and they give $100 referrals if you are still an active client!

Great results! Client support always answers the phone. Thanks HTDI!

Great company with unmatched results. Members of NACSO. In business about ten years. Client support staff that answers every time I call. Money well spent.

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56Aggressive Credit Repair LLC

Love these guys. I can tell you that they were genuinely helpful in both repairing my scores and helping me repay my debts.

Awesome! Best reputation in the industry. With this company you work directly with the owner. This is really helpful.

They are in Utah (I'm in Salt Lake City). They helped me get a mortgage, post credit repair. Was very happy.

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57Edit Your Credit, LLC

My wife and I were pleasantly surprised with our credit scores after 4 months. I went from a 548 to a whopping 669 on Equifax, a 572 to a 654 on Experian, and a 571 to a 666 with TransUnion. I am so happy we had stuck this out with this company. They were courteous and professional at all times. The thing that I like most was they were very responsive and knowledgeable. They continue to answer any questions even after completing our service with them. They really do care about their clients. Thank you so much Neal. We have our lives back on track. Financially we will now be able to purchase our first home within the next 30 days. You have given us our American Dream. The Brown's

My husband and I had very little knowledge about our FICO scores; we started looking for a house and started to learn a little more as the days past. We were starting to get really frustrated with the responses and thought we would have to rent and deal with the high interests rates in the future due to mistakes we made in the past. After sitting down with Neal we have regained our confidence, he shows us monthly how our scores are improving. Sitting down with Neal is the best decision we have made. "
Thanks for everything Neal.

58Zinu Credit Repair

+2One of the best credit repair comapnies in Cheyenne, Wyoming. With the help of Zinu Credit Repair I have increased my credit score by 90 points & before enrolling in their program I was denied for credit card & Car Loan but now I got approved for the new car loan.
Amazing Feeling & Stress Free Life.
Thanks Again Guys.
Keep on doing the great work..

+2I was enrolled with zinu credit repair & they got me 5 deletions and more score jumped up with 100 points. I'm really grateful to you guys.
On solution for all credit problems.
Thanks

+2I'm very thankful to zinu for deleting my bankruptcy and now my score has improved drastically.
Thanks again

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59The Credit Doctor Is In

It took only 3 months and I had a score increase of 163 points! Thanks Dr. and all your staff.

60Credit Assistant Service

This company is great, they kept me in the loop and within 60 days I had 10 out of 15 items deleted

61Nationwide Financial Advocates

No pressure sales and very helpful throughout the whole process. Thanks Billy!

RESULTS! RESULTS! RESULTS! Thank God for NFA!

They dispute every negative item I asked them to, all three bureaus, every round. Reasonable rates and online tracking with auto emails. Nationwide Financial Advocates is a great credit repair company!

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62CommonWealth Credit Repair

CommonWealth Credit has over 14 years experience in the credit industry and is registered with the Sec. of State, and with thousands and thousands of satisfied clients. Are you ready to be one?

Consultations are always free and we never promise more than we can deliver, our clients see averages of 75-150 point increases in their credit scores. Whether you have collections, slow pays, medical bills, judgments, tax liens or any type of negative information in your credit files, CommonWealth can help repair your credit and get you back on the road to a better credit score and future!

CommonWealthCredit

63Get Credit Healthy

+1I followed the Plan and all the results happened!

GCH is a great company.. HONEST and EDUCATES... I have tried other companies including Lexington Law and NOTHING compares... I refer them to everyone..

64New Age Credit Corporation

New Age Credit gave me a step by step report that told me how to raise my credit score 90 points in 30 days. Now I'm getting somewhere.

They just removed my Bankruptcy Chapter 13! Wow!

The only business that did not sale sunshine and delivered exactly what I needed.

65Credit Unlimited

Good price, simple service, great results

66Ascent Credit Restoration Inc

A responsive company that has a holistic approach to financial difficulties. They aren't just interested in a quick results, but provide all the financial planning tools to embrace a better future.

fluffator

67V G Consulting

This company is fantastic people working for them. I am not only beyond satisfied with the service that VG Consulting provided; I am exceptionally pleased with their customer service. I am really blessed to have received this second chance and will never make the mistakes I had made in the past, this is all thanks to VGC. Thank you.

I live in Los Angeles and this is plastic city, what can I say I got caught up, I was going out with my successful actor friends, they were spending money, I was spending money... You get the picture. I needed a credit repair company in Los Angeles, I was not comfortable working with a company in New York, San Francisco or any other place, yeah like I'm gonna trust some random guy with in Miami to do this. I found this great little company who does credit repair in Los Angeles and they really worked. They have a money back which made me feel comfortable, and in 5 months, I was even higher than I have ever been in the past. They ask their clients to review them if they feel that the job was done well, I guess this is my way of saying thanks, so thanks VG Consulting.

They said it would take two-four months, it took 6, but hey, I am happy, score went from 540ish to 724, which is actually more than I have ever had in the past so I would recommend these guys, plus its refreshing to actually talk to a real person rather than being given the run around. thumbs up.

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68Credit Cleaners, Inc.

Super program, super price

I would recommend this company to anyone. They got the job done!

The staff was excellent, very responsive. Received the results I was looking for

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69Credit Help Texas

Strong financial background, a lot of experience, and are easy to talk to. I thought I had a real complicated situation, because I owned a business, and had a UCC loan, which fell apart. Well, these guys really went after the lender, and got it all taken care of. They are local, and no BS. They actually came recommended from my mortgage agent when I wanted to buy a house. Now, 8 months later, I'm in it.

Manson

70USA Credit Restoration
71CCRS Credit Services

CCRS are true professionals in every sense of the word. They do not advertise because they don't have to. Real estate and finance professional use them over and over.

"They are the best company iv's seen in a while. This company is in McKinney TX and has a great customer service department as well as research division. They took my score up 120 points in 5 months. " I would refer them to everyone I know...

72Ambassador Law

Unbelievable results. I could not believe it was possible. When my husband left me in debt and with all the credit in my name, he not only ruined my credit he made it impossible to fix it. Ambassador Law helped me get back on my feet with understanding and hard work we were able to remove the innacurate negative marks and get my score back up to over 700. All this took place in less than a year. Completely amazing. I highly recommend anyone to use Ambassador Law. Thank you, thank you, thank you...

Wow! I put in my report with these guys and in just a couple of months they got my whole report clean. Like 15 items removed from each report! I checked around, and these guys are much cheaper than the other guys out there too. I can't say enough, great customer services, great results I would recommend them to my family and friends.

One of the best experiences I have ever had. Wonderful to work with and I can't believe how fast they were able to help me get my score back up to 800. If you have the chance let them help you to fix your credit the way that they fixed mine.

tsbeal1976

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73Credit Repair 1st

+1I was denied for a new car loan over the holidays but after only 4 months of credit repair services, I was approved for a loan 50% higher than the one before. A special thank you to James over at Credit Repair 1st, he really walked me through everything step by step and made sure I knew how to get an even lower interest rate after my credit was fixed!

+1The Best Credit Repair Company in los angeles I signed up with Credit Repair 1st and just sat back and received all the updates in my mailbox. My credit score went up over 60 points in the first 2 months. It was that easy. This is probably the best credit repair company to go with if you're in the market to fix your credit.

+1Credit Repair 1st has been great since day one. Every time I called in with a question, I had my own personal Account Rep to answer all my uncertainties. Thanks for such great customer service would recommend to others.

74Credit Dusters
75Coast to Coast Consulting

Credit repair done the right way

76Advocate Credit Repair

Excellent service! No wasted monthly fees. You only pay for performance! I highly recommend this service.

77Beacon Credit
78RMCR Financial

We are a very easy service for our clients to use and understand. We also care about our clients and the results of our service.

79Accomplish Credit

Accomplish Credit is beyond amazing! In just three months my credit score increased a wopping 152 points. The staff is firendly and work very hard to get your score up. Thanks Accomplish Credit

80National Credit Care
81Innovative Financial Service
82Prime Credit Experts
83Fortress Credit Services
84Credit Strategies

A lot of free credit information through their blog, and a 100 percent money back guarantee.

85Nationwide Credit Clearing

+2I have had the opportunity to work with Nationwide Credit Clearing over a period of time to help me resolve numerous credit issues. I have found their ownership and support staff exceptionally helpful, professional and eager to provide current updated information as well as other advice to help me in the future. I would recommend their organization without hesitation to anyone seeking to work with a company that goes overboard to help YOU the client succeed in your efforts for a better life.

+2Nationwide Credit Clearing has over 20 years of experience repairing credit. We have helped thousands of people improve their credit score by removing inaccurate, misleading or unverifiable information. We deleted over 25,000 items last year alone.

Nationwide has helped clients with removing all of the following and MORE from their Credit Reports:

Late Payments
Foreclosures
Short Sales
Collections
Charge-Offs
Credit Fraud
Bankruptcy
Judgments
And More
w. mynationwidecredit. com

+1All of my clients have benefited from using Nationwide Credit Clearing. I work with a major bank all of the bankers at my branch have had the same success with getting mortgages. They are a pleasure to do business with! And their results far exceed our expectations. We've been using them for 5 years. I also know another major bank that uses them as well. We call them the "miracle" credit repair company. Our clients rave about them!

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86Unique Consulting Group
87Credit Repair Pros 1.2.3.

We have been helping consumers for over 15 years to analyze their credit reports. Over the years we've developed a program designed to analyze your credit giving us over 100 points of correction to help raise your score to 720 or better. And we work hard for you

88Easy Solutions - Financial Credit Services
89Pay After Deletion Credit Repair

I like the idea of paying after items are deleted, this company has deleted 6 items from my report in the first month

This credit repair company allows clients to pay the bulk of their fees after they actually achieve results. I have not seen many companies willing to do the work before accepting payment. I agree with their idea that people should pay based on actual results

90Appling Financial Solutions

Excellent credit repair services. They offer free consultations to explain service. Great company!

91Teamer Financial Service Agency

A great company I would recommend to everyone. Great service and very honest.

92World Wide Credit Builders

We have been assisting individuals in the Chicago area for 4 years. We strive to ensure young professional are educated about credit before entering the corporate environment.

93Credit Repair Systems, Inc.

We have been the "Helping Hands" to our clients credit repair needs for over 11 years. Serving South Florida and the rest of our nation with all your credit repair.

94Intensive Credit

This firm offers the utmost service in regards to Credit Repair advocation, Credit Education as well as loan brokering services. Work with Intensive Credit to consolidate debts and increase your credit scores. Nationwide service with office locations across the country.

95CreditUs
96Sleb Credit Solutions

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This list was created on December 17, 2009 and has been voted on over 6,000 times. This top ten list has been remixed 5 times and has been blogged about 25 times.