Cheapest Credit Repair Services

The Credit Pros isn’t the cheapest option on our list, but the company offers a few key features that set it apart as our top choice among credit repair services. Its steep setup fee is offset but a 90-day guarantee, so you’ll get your money back if you don’t see changes to your credit report in that time. Plus, you’ll get a free consultation before your start, and credit monitoring is included in every plan.

In terms of total value, there’s not a lot to set apart the top-tier plans from the basic one. All plans include essential services, such as TransUnion credit scores and monitoring, DarkWeb monitoring, Social Security tracing, debt management, and more. The only differences you’ll find across plans are that Slash Rx discounts are included in both upper-tier plans, and the top-tier Success plan includes a National Credit Direct line of credit. These additional services may not justify the price jumps to $119 per month and $149 per month, respectively.

Pricing:

• Money Management: $119/mo. and $69 startup fee
• Prosperity Package: $119/mo. and $119 startup fee
• Success Package: $149/month and $149 startup fee

Pros

• Credit monitoring in all tiers, at no additional cost
• Full 90-day satisfaction guarantee
• Top two packages include a Slash Rx discount

Cons

• Steep initial setup fee
• Not available in Kansas, Maine, Minnesota, or Oregon
• Not much difference between packages

• AI-driven credit monitoring
• Save up to 80% on medications with the SlashRx discount, included in the Prosperity and Success packages
• If you don’t see errors deleted from your Equifax, Experian, or TransUnion report within 90 days, you can get back any money invested up to that point

Lexington Law offers a more streamlined, simple approach to credit repair, focusing its services around a few key features. All plans include at least 15 error challenges per cycle, creditor interventions, ID theft insurance, DebtHandler help, and Inquiry Assist. In the mid-tier plan, you’ll also receive ReportWatch, but the top-tier plan offers the best value by adding credit monitoring, lost wallet protection, and additional personal finance tools.

The best parts of Lexington Law’s services, though, are its free setup and cancellation features. These make trying out its credit monitoring a relatively risk-free proposition. You also won’t have to spend on extra services that many other credit monitoring companies offer.

Pricing:

• Concord Standard: $95.95/mo.
• Concord Premier: $119.95/mo.
• Premier Plus: $139.95/mo.

Pros

• No setup fees
• Free cancellation anytime
• 15+ challenges per cycle for any credit errors

Cons

• One-time fee to receive a TransUnion credit report
• Must purchase a top-tier plan to receive credit monitoring
• No satisfaction guarantee

• Credit repair service focus on credit report analysis, disputes, escalation, and credit score analysis and monitoring
• 50% discount for active military and veterans, along with spouses of existing program members
• Cancel free anytime, but you can’t get money back even if you haven’t seen results

If your top priority is to find a long-standing, trustworthy brand with industry experience, Credit Saint is worth a good look. The company may not offer as many bells and whistles as some others, but it does provide a straightforward service model with transparent pricing.

For a minimal setup fee and competitive monthly fees, Credit Saint will work to remove erroneous items such as late payments, collections, bankruptcies, and credit inquiries from your report. Although the basic plan offers limited value, the mid-tier Credit Remodel package offers 10 challenges per cycle, inquiry targeting, and credit monitoring on top of the basic score analysis, tracker, and intervention services. For unlimited challenges, upgrade to the top-tier Clean Slate plan.

Pricing:

• Credit Polish: $79.99/mo. and $99 startup fee
• Credit Remodel: $99.99/mo. and $99 startup fee
• Clean Slate: $119.99/mo. and $195 startup fee

Pros

• Strong reputation and nearly two decades of experience
• 90-day money-back guarantee
• Transparent pricing and service model

Cons

• No credit monitoring in the basic plan
• Setup fee required
• Basic plan doesn’t offer much value compared to other companies

• Company handles all communication with credit bureaus
• You’ll receive a full refund if you don’t see errors removed from your credit report within 90 days
• Credit Saint doesn’t have as many online resources as some other companies

For the most affordable credit repair service with built-in credit monitoring, CreditRepair.com is tough to beat. Its basic plan automatically includes quarterly credit report updates, and you can add additional monitoring by upgrading. For a $69.95 setup fee and matching monthly fee, though, its basic plan is among the best simple repair and monitoring options on the market.

If you want to boost your repair and monitoring power, the company’s mid-tier and top-tier plans offer excellent value, though not as many features as some competitors. In the mid-level Standard plan, you’ll receive TransUnion credit monitoring and FICO credit scores, in addition to the basic services noted below. Upgrade to the Advanced plan for cease and desist intervention, monthly score updates, and extra negative item challenges and creditor disputes.

Pricing:

• Direct: $69.95/mo. and $69.95 startup fee
• Standard: $99.95/mo. and $99.95 startup fee
• Advanced: $119.95/mo. and $119.95 startup fee

Pros

• Get credit monitoring in every package, at no additional cost
• Free consultation
• 50% discount for veterans and active military

Cons

• No satisfaction guarantee
• Setup fee required
• Shorter company history compared to other services

• All plans include a minimum of 15 negative item challenges per cycle, three creditor disputes per month, inquiry assists, and quarterly credit score updates
• Upgrade plans to add additional challenges and credit monitoring features
• Company boasts 8.2 removals in its 10-year history