Top 3 Credit Repair Companies 2018

Top 3 Credit Repair Companies 2018

Best credit repair arizona

Credit repair companies have helped millions around the country have a better financial future. They eliminate the hours and hours of research and writing/data entry that comes with disputing negative credit marks by yourself. Going through a credit repair company typically will be the better route to go as they are well versed in federal and state credit law and how it can be utilized to remove those hard-to-fix negative marks on your credit report.

The three companies I’m going to talk about have helped either myself or someone I know personally with their credit challenges. Even if you are part of the 0.01% of the U.S. population that has a 300 credit score (the lowest credit score possible), these companies can and will help you drastically improve your credit score. The list is relatively short as we at The Credit Dojo only want to focus on the best of the best with real world experience to back up the companies claims.


Credit Repair Company #1 – Lexington Law ($89.95/month)

Lexington Law Review

Lexington Law is the complete package when it comes to credit monitoring and repair. They are always consistent with the level of service they offer and do a thorough job of handling any type of credit problems that can typically be found on your credit report. The firm has been around for decades, so they are not a fly-by-night operation. They advertise that you will see results by 60 days, but in almost all cases people saw results MUCH sooner than that (real world results from people I know, not based on yelp reviews).

That is very impressive seeing as the typical length of time being advertised today is around 3 to 4 months. The initial fee for Lexington Law is $89.95, and you will be charged $89.95 monthly.  Lexington Law is an excellent choice to repair your credit. They do offer higher-tiered service, but for needs of most people, the $89.95 service should be sufficient (named the “Concord” service).

The website is pretty easy to navigate. They have the phone number listed on the main page if you like talking to a real person. There is also a Credit Education feature on the page that will walk you through how credit works, what credit repair consist of and explain why having a professional credit repair representative working for you may be the best way to get results fast. They also have some tools on their site that show what effect a specific credit score range can have on a home loan, auto loan, credit card application or loan refinancing. Anything you can think of related to credit, Lexington law appears to have it covered in-depth.

Why Choose Lexington Law?

Other than their longevity (they have been around since 1991), what does Lexington offer their customer that no one else does? Check out this list of why you should choose Lexington Law for your credit repair:

  • The whole staff consist of Lawyers and Paralegals that understand credit law inside and out
  • They offer a free initial consultation
  • All of their attorneys are licensed to work with credit
  • Adhere to both state and federal law when it comes to credit repair
  • They have removed over 10 million negative items from credit reports
  • More than just a credit repair agency (criminal defense, bankruptcy, divorce, etc.)
  • iPhone and Android Applications
  • They have a whole BLOG dedicated to credit and unique credit problems
  • Many big news networks are affiliated with them
  • Over half a million clients served
  • Average 10.2 items removed from your credit report during a 4 month window

Everything about Lexington Law screams quality. From the length of time they have been in operation, to their well thought out and put together website; they’ve left a very good impression on us here at The Credit Dojo. The abundant reviews found throughout the internet speak for themselves

Summary of Lexington Law

They have a long history of dealing with all types of credit problems. The reviews for Lexington Law all over the internet and reviews from my peers confirm their quality over quantity approach. Other benefits from working with Lexington law includes dealing with attorneys that have dealt with credit/debt law for decades. They aren’t novices; you will know how competent they are after speaking with them for the first time. They are well versed in the Fair Credit Reporting Act, Fair Credit Billing Act and Fair Debt Collections Practices Act. This allows them to view your credit/debt situation and attack it from every legal approach possible by law. You can sign up by clicking on the company logo above. You can also CLICK HERE to learn more.

Credit Repair Company #2 – ($99/month) has been around for more than a decade and has a lot of experience with dealing with credit problems of all types. They take your credit report, evaluate it then layout their game plan for addressing the negative items on your credit report. Then they will reach out to the creditors on your behalf to address the credit problem you’re facing. This will save you both time and energy if you are not up for the task of learning credit repair. It sounds so simple, but believe me when I say this is a lot of work! The initial fee to get things started is only $14.99. After that, you will pay $99.95 a month for their services.

The website is well laid out and easy to navigate. The menu items are straight forward and simple. You can choose to learn “How it Works”, read “Reviews”, or click “Who We Are” to learn more about the companies mission and what services they offer their clients. On the main page, they also have a section called “What You Get” that states exactly what comes with their package (which is a lot for the price). While they don’t have their own internal “Education” section like Lexington law, they do offer links to some of their partners who offer in-depth knowledge about credit.

Why Choose

Like Lexington Law, they have been around for quite some time, but what set’s them apart from the rest? There are a number of unique features and services offered through They are as follows:

  • works with the creditors and lenders to resolve the problem (not just submit blanket disputes)
  • The initial fee is by far the cheapest
  • 24/7 credit monitoring is available for all of their clients
  • Short window from consultation to results
  • Provides subscribers with a mobile application to monitor on the go
  • An online dashboard and credit score tracker are available
  • TransUnion credit monitoring comes with the package
  • Their partners are quality companies such as Credit karma and Lending Tree.
  • They offer TONS of reviews from previous clients on their website
  • iPhone and Android Applications

As you can see with this list, you will get quite a bit for the money. All bases are covered with, which is why we recommend them and incorporated them into our top 3.

Summary of offers the consumer a lot for the money. The turn around time from consultation to result is fairly quick. I only have feedback from one individual who has used this service, and they claim it to be “extremely thorough”. They removed all but one item within the first 2 months, and the last within 3 months. That is VERY impressive and fast in regards to removing negative items from a credit report. The Personal Member Dashboard is also useful as you are able to see the changes to your credit in real-time. They also offering identity monitoring with their package. sets you up for a future of financial success in a very timely manner. You can sign up by clicking on the company logo above, or sign up by clicking HERE.

Credit Repair Company #3 – The Credit Pros ($99/month)

The Credit ProsThe Credit Pros is a complete package. They offer much of the same services as Lexington Law. One of the cool features that sets them apart is their Pay for Deletion service. With this, you only pay for the items that are deleted from your credit report ($50 per negative mark and $75 per public record removed). That means if nothing is able to be removed from your report, you don’t pay a dime. This is great for those who don’t have too many blemishes on their credit report and need professional assistance removing items from it. In the long run, this has the potential to save you a TON of money. The initial fee for their monthly individual service is $179 for the initial fee, then $99 a month after that. For couples, it is $279 for the initial fee, then $149 a month.

The site is fairly simple. It is not as information-rich as Lexington Laws site, but it does a good job of getting to the point. There is a YouTube video on the main page that informs the potential client exactly what it is they do. They also have this neat feature that pops up and shows whenever an item is deleted from a users credit report. These notifications are pretty nifty as you can see just how frequently they are able to remove negative items off of consumers credit reports. Here is a screenshot of one:

credit repair companies

That’s a nice way to show appreciation for the customer while also showing just how frequently their service works for the consumer. It’s a win for everyone.

Why Choose The Credit Pros

This is the newest of all of the Credit Repair services I have on my list, but I still feel they deserve an honest chance at your business for the following reasons:

  • Customers get a free initial consultation with a credit expert
  • Payment is only collected for deleted items
  • Unlimited Phone Support, as well as unlimited deletions included in the price of the subscription
  • Score tracker that offers a really in depth analysis of the reason for the score given
  • Licensed attorneys
  • TransUnion credit monitoring comes with the package
  • Copies of your credit report are sent to you every time a change is made (sent directly from the credit bureaus)
  • iPhone and Android Applications
  • They offer all of their customers a 100% money back guarantee
Summary of The Credit Pros

The Credit Pros are not as established as Lexington Law since they have only been around since 2009. That doesn’t mean you shouldn’t give them a try. From the people I know that have worked directly with them and online reviews, I can say with confidence they do not have any major blemishes on their record in regards to the services they offer consumers. They use tons of various strategies to improve credit score problems of all types. For this reason and their honest Pay for Deletion service, they make The Credit Dojos top list. You can sign up by clicking on the company logo above, or by visiting The Credit Pros HERE.


Take Control of Your Credit

While there are many companies out there that can help you, it is your credit we are talking about. Do you need professional assistance? Can you fix it yourself? For me, I chose myself as I was a broke college student and couldn’t afford a professional. While it did work in my favor (luckily), there were still a few items where I could have had removed sooner had I been more knowledgeable. This is where a professional comes in hand and can really help you. I know, we typically flock to what is the cheapest. But cheaper is not always better in this case, especially when it directly impacts your finances.

At the end of the day, you are responsible for what is on your credit. Hiring a professional may not be for you. You can if you wish try to learn credit repair strategies yourself to address your credit problems. The Credit Dojo provides a wealth of articles that can teach you how to repair your credit yourself, the components of your credit score and rid yourself of credit problems without paying a dime. They are as follows:

How Long does it Take to Build Credit

FICO Credit Score – 5 Major Factors

Credit Check: How To Stay One Step Ahead

How to Rebuild Credit After Collections

Now get to work!

If you follow these articles, you will gain at the very least a basic understanding of credit and what goes into your report and score. It will empower you to take control of your credit. I will say this is not for everyone as depending on how many items you have on your credit report, it can be VERY time consuming. Always remember to stay on top of your credit and make sure you are spending responsibly. Thank you for stopping by The Credit Dojo!