Credit scores are based on your overall experience with paying your bills over time. The longer you have credit and pay on time, the more information there is to show you’re a good credit risk. A subscription model is the most common credit repair pricing structure. Monthly fees may range from $60 to $200, depending on the package. Some companies also charge a setup fee, which can be the same price as a full-month subscription.

How To Start?

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. Sky Blue Credit promises to help you monitor and track your credit score while they file credit disputes that can repair damaging information in your credit history. Credit Saint also offers debt validation, goodwill letters, cease and desist letters, and more at no additional cost. They’re backed by a money-back guarantee as well, so you can get a refund if this company’s customer service doesn’t live up to expectations.

Answer a few simple questions and get a free step-by-step plan to rebuild your credit. We’ll never steer you in the wrong direction just because a company pays us. Compensation may influence how and where products appear, including their order in listing categories.

Do-it-yourself Credit Repair: The Essential Guide For 2025

If they want upfront payment or ask you to lie to the credit bureaus, walk away. A credit builder loan lets you “borrow” money that’s held in a locked savings account. You make monthly payments, and once the loan is paid off, the money is released to you.

How Do Credit Repair Services Work?

People with negative experiences are more likely to write reviews than those who have positive experiences. creditrepair who report negative experiences had unrealistic expectations or did not fully understand the service. Credit Saint offers three different plans, allowing you to select the one that best fits your credit repair needs. You’ll get a free consultation, where you can review your situation and discuss the pros and cons of the different plans. To help in your search, we compared more than 20 of the best credit repair agencies. Ultimately, we searched for providers who have been in operation for a decade or longer, as well as those with transparent pricing, excellent customer support options, an array of services, and nationwide availability.