Check with your bank to see if it offers counseling, or get in touch with a nonprofit such as American Consumer Credit Counseling, Money Management International or InCharge Solutions. These laws prohibit many deceptive practices by credit repair organizations. Most negative information will stay on your report for seven years, and bankruptcy information will stay on for 10 years. We handle escalated disputes with an experienced team of credit repair specialists who have the knowledge and expertise to resolve your credit issues quickly and effectively. Best Credit Repair’s toll-free support provides assistance with any questions or concerns you may have regarding their credit repair services.

Like Credit Saint, Safeport Law offers a 90-day money-back guarantee with similar stipulations. You can cancel your plan at any time and you have access to an online portal and a credit score tracker 24/7. Correcting personal information on your credit report is part of how the credit bureaus determine what is reported. Having the right data ensures that accounts that are yours are the only ones showing.

Our Top Picks For Best Credit Repair Companies

Some or all of the offers that appear on this page are from third party advertisers from which FinanceBuzz receives compensation. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). Just remember that you too can learn what to look for and if you have the time, discipline, and patience to stay on top of the process, you can do it yourself at no cost. Considering how time-consuming the entire process is, you may not see results for months — if you see results at all. creditrepair offer information on the most common collection agencies and phone numbers that may call you.

You can access a free copy of your credit reports from Annual Credit Report, but they do not provide credit scores and their reports are hard to access and download. Their credit reports are the most accurate, with the most information, and they are super easy to access. Your credit score affects whether you can get a loan or credit card, as well as what interest rate and other terms you’ll get.

Best Texas Credit Repair Companies In 2025

The downside is that Dovly lacks all the guarantees that the other companies on this list provide, such as a money-back guarantee. That said, even without a refund policy, a full year of Dovly is so affordable that it would still cost less than the nonrefundable setup fees other credit repair companies on this list charge. 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. Visa cardholders can also get a 50% discount on their monthly membership through its Dovly Uplift program. 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. The best credit repair companies are those that offer a detailed initial consultation, transparency throughout the process, and average monthly fees.

What Is The Best Website To Fix Credit?

It gives consumers the right to dispute inaccurate or incomplete information on their credit reports and requires credit reporting agencies to investigate such disputes. Credit repair is the process of correcting inaccuracies on your credit report. This could include anything from correcting errors in your personal information to removing late payments that have been incorrectly reported. You can do this yourself or you can hire a professional service to do it for you.