Maintaining a high credit score can help you get approved for loans and qualify for lower interest rates. But even if you pay your bills on time and in full, credit reporting errors can damage your score with lasting repercussions.
The best credit repair companies are those that offer a detailed initial consultation, transparency throughout the process, and average monthly fees.
Here are the best credit repair companies as picked by Business Insider editors in 2025.
Best Credit Repair Companies
- Best for customer satisfaction: Credit Glory
- Best for additional services: Prosperity Plan
- Best for affordability: Dovly Premium
Featured Credit Repair Companies
Credit Glory: Best for Customer Satisfaction
Cost: $299 setup fee and $99 monthly fee
Operating since 2016, Credit Glory helps customers repair a wide range of credit errors, from bankruptcies and collections to names and addresses. The company has credit experts available seven days a week and offers a free phone consultation for you to ask questions and make sure you want to proceed.
Credit Glory has an FAQ page that sets proper expectations about the efficacy of credit repair without overpromising results, but this should be more prominently disclosed.
Credit Glory charges $299 setup fee and $99 monthly fee. The company offers a 90-day money-back guarantee in the event that it cannot remove any inaccuracies or errors, but that guarantee covers only the monthly fee and not the pricey setup fee.
Read our full Credit Glory review.
The Credit Pros: Best for Additional Services
Cost: $119 monthly fee and $119 first work fee
The Credit Pros has been in operation for 14 years and claims to have helped over 100,000 clients in the U.S. You can schedule a free consultation in English or Spanish, and once enrolled in the program, a Credit Pros specialist will begin addressing inaccuracies on your credit report in three to five business days. Some Credit Pros plans come with additional services like three-bureau credit reports and the option to apply for a credit builder loan.
The Credit Pros' lowest-level Money Management plan doesn't include credit repair. For that, you need either the Prosperity plan, which requires a $119 monthly fee and $119 first work fee, or the Success Plus, which requires a $149 monthly fee and $149 first work fee. Unless you're also planning to apply for a credit builder loan, the Prosperity plan should suffice.
All plans include TransUnion credit monitoring and some degree of identity theft protection, though both services are available free or cheaply elsewhere.
Read our full Credit Pros Review.
Dovly: Best for Affordability
Cost: $24.99 monthly for Business Insider readers (originally $39.99 monthly or $99.99 annually)
Dovly splits its service into two tiers: free and premium. The free version offers monthly TransUnion credit reports and scores and one manual credit dispute with TransUnion. The premium tier offers weekly TransUnion credit reports and scores and unlimited AI-powered credit disputes with all three credit bureaus. You can treat the free version almost like a free trial to see if there's anything on your credit report that needs challenging.
One downside is that Dovly lacks all the guarantees that the other companies on this list provide. Dovly does not offer a money-back guarantee. That said, even without a refund policy, a full year of Dovly would still cost less than the nonrefundable setup fees other credit repair companies on this list charge.
Dovly is by far the cheapest credit repair company on the market. At $24.99 monthly for Business Insider readers (originally $39.99 monthly or $99.99 annually) with no setup fee, Dovly is already one of the most affordable credit repair companies. However, the annual membership will save you even more. Visa cardholders can also get a 50% discount on their monthly membership through its Dovly Uplift program.
Read our Dovly review.
What Is Credit Repair?
Understanding Credit Repair
Disputing credit reporting errors involves reviewing your credit history, identifying inaccuracies, and gathering evidence to support your claim. A reputable credit repair company can help if that process sounds daunting. However, there are plenty of less-than-reputable credit repair companies out there. Even the best credit repair companies have significant drawbacks.
Read on to see our picks for the best credit repair companies, learn what they can and can't do, and determine whether enlisting their services is a good solution to your credit woes.
How Do Credit Repair Companies Work?
Each credit repair company has its own process, but their approaches are similar. Once they confirm your identity and pull your credit, they'll review your report line by line. They'll note the issues you've flagged and advise you of any other potential inaccuracies they find, including erroneous personal information, typos, duplicate accounts, misreported late payments, and more.
Benefits of Using a Credit Repair Company
Credit repair companies then do the legwork to clean up those inaccuracies. They'll communicate with credit bureaus to dispute errors on your credit report and engage with creditors to ensure they stop reporting bad information. These are all steps you can take on your own, but the expertise and experience of credit repair companies enable them to address problems more efficiently.
Beyond correcting mistakes on your credit report, some credit repair companies offer other services and tools to improve your credit score, such as free credit consultations, credit monitoring, professional guidance, and debt management plans. These additional services may be offered separately or as part of a credit repair package.
Downsides of Using a Credit Repair Company
You should be aware of two things credit repair companies can't do. First, they can't remove negative information on your credit history that is accurately reported, such as a delinquency you incurred on your payment history. So, you should only consider credit repair companies to correct inaccurate information. Second, they can't guarantee any outcome within a set timeline, and since most companies bill at a monthly rate, you may be paying for a while before you see results.
Should You Pay for Assistance With Credit Repair?
Before you enlist the help of a credit repair company, understand that you can dispute debt and correct credit reporting errors on your own if you're willing to put in the time and effort. Cutting out the middleman saves you money, and there are free resources you can lean on to facilitate the process. For example, you can access letter templates directly from the CFPB for disputing your credit report with the credit bureaus and creditors.
Complaints against credit repair companies frequently cite dissatisfaction with results, so if you're confident in your organizational skills and are dealing with only a small number of disputes, consider a DIY approach first.
How to Choose the Best Credit Repair Company
Credit repair companies are best suited to those dealing with severely compromised credit — the result of identity theft, perhaps — or with credit reports showing widespread errors over years and multiple accounts. They're also a good fit if you're short on free time to handle disputes and don't mind paying for the convenience of having someone else deal with them on your behalf.
Key Features to Look For
When choosing a credit repair company be sure to review consumer reviews and complaints. Make sure the company you are thinking about has great customer service, if you are spending your money, you should be able to get a representative on the phone. The company should have proven results and a track record of success. It's also important to know that accurate, negative information cannot be removed. If a company says it can get every negative item removed from your credit report or that it uses tactics no one else knows about, that may be a red flag.
When it comes to maintaining your credit score, an ounce of prevention is worth a pound of cure. By monitoring your credit regularly, you can detect and address concerns before they metastasize. You can achieve a basic level of credit monitoring by requesting free credit reports from AnnualCreditReport.com.
Does Credit Repair Work?
Credit repair can work, in that these companies can help make the process of credit repair (one you can do yourself) faster and run more smoothly. "Credit repair companies, with their expertise, can help identify inaccuracies and negotiate with credit bureaus" to remove them, John Owens, Financial Wellness Expert and Executive Vice President of Monterey Financial explains. Using a credit repair company can also save the time and hassle of calling creditors and credit bureaus if you're willing to pay for them.
However, credit repair companies can't convince creditors to remove accurately reported negative information. Any company advertising otherwise is trying to scam you. As long as a creditor can back up their claims, negative information, such as late payments or loan defaults, will probably stay on your credit report until it naturally falls off.
If the credit bureaus do not agree with your dispute, you'll have to wait for any negative information to fall off your credit report. A hard inquiry will fall off your credit report after two years, but something more severe, like a Chapter 7 bankruptcy, will usually stay on your credit report for 10 years, and there is nothing you can do to remove it earlier.
Frequently Asked Questions About Credit Repair Companies
It can be worth paying for credit repair services if you have significant inaccuracies on your credit reports and want professional help to resolve them. However, these companies don't provide any services you couldn't do yourself with the time and inclination.
Credit repair service costs vary by service and by company, typically ranging from $50 to $150 a month depending on the level of service and features offered.
No, credit repair companies cannot remove all negative items from your credit report. Credit repair companies can help remove inaccurate reporting, but they cannot remove legitimate negative items that are correctly reported.
Why You Should Trust Us: How We Chose the Best Credit Repair Companies
We considered numerous factors in our evaluations of credit repair companies. First, the Credit Repair Organizations Act (CROA) mandates that credit repair companies cannot demand advance payment, must provide a contract in writing, disclose certain customer rights, and allow cancellation with no penalty for at least three business days. We downgraded companies that failed to support these regulations in our analysis.
There is no accreditation specific to the credit repair industry, so we emphasized reviews from sources like the BBB, Trustpilot, and the CFPB's complaint database. We looked at the mean score each company received, as well as the ratio of positive to negative reviews. We also looked for patterns among the complaints left in unfavorable reviews and any lawsuits that these companies are or were involved in.
Finally, we looked at the cost of credit repair. This includes the range of potential fees and how transparently they are disclosed in advance. We also looked at the number of years a company has been in operation, guarantees, and cancellation policies.
We also considered any additional features these credit repair companies provide, such as credit monitoring and identity theft protection services. However, you can get cheaper, higher-quality services elsewhere. Check out our guides to the best credit monitoring and best identity theft protection services.
See our full breakdown of how we rate credit repair companies.
