Compare Credit Repair Companies
Credit repair companies dispute items on your reports for a monthly fee. They use the same laws you can use yourself for free, the Fair Credit Reporting Act and the Fair Debt Collection Practices Act. No company can legally remove accurate, up-to-date information, and under the Credit Repair Organizations Act they cannot charge you before the work is done, must give you a written contract, and must let you cancel within 3 business days.
If you want help, compare the plans below. If you would rather save the money, start with our free letter generator.
| Company | Best for | Monthly | Setup fee | Guarantee | |
|---|---|---|---|---|---|
| DisputeMatchPro | Doing it yourself | $0 | $0 | The same laws the companies use (FCRA and FDCPA) | Create free letter |
| Credit Saint | Comprehensive plans | $79.99–$139.99 | $99–$195 | 90-day money-back guarantee | See plans |
| The Credit People | Low setup fee | $99 or $119 (or $599 for 6 months) | $45 (none on the 6-month plan) | Cancel anytime; 6-month satisfaction guarantee on the flat-fee plan | See plans |
| Sky Blue Credit Repair | Best value | $79, $99 or $119 | $79–$119 by plan | 90-day money-back guarantee | See plans |
| MSI Credit Solutions | Customized pricing | $98 ($69 per person for couples) | Set after a credit review | Refund of the first fee if minimum deletions are not met (conditions apply) | Search for its official site |
| Safeport Law | Legal support | $89.99 or $129.99 | $89.99 or $129.99 | 90 days on the Credit Cleanse plan | Search for its official site |
Price source: Money.com, "5 Best Credit Repair Companies of October 2026" (updated Sept 29, 2026). Prices change; confirm them before you sign up. No company can remove accurate information, and by law (CROA) they cannot charge you before the work is done. Money.com
Before you sign up
- Pull your 3 free reports first so you know what is actually wrong.
- Ask what they will dispute and how often you get updates.
- Walk away from anyone who promises a specific score, asks you to dispute accurate items, or suggests a CPN.