The three credit agencies — Equifax, Experian, and TransUnion — typically evaluate credit on a monthly basis. Reducing debt presents the quickest path to improving your credit where you may see results in less than two months. Seeing results after removing inaccuracies will take about three to six months. Credit Saint is a solid choice for those seeking credit repair assistance, and its tiered services make it suitable for many situations. Its customer service team is also accessible through many channels if you have questions or concerns.

Getting Declined For Credit Isn’t Fun

Credit Saint offers a comprehensive suite of credit monitoring and assistance, which includes credit polish, remodeling, and clean slate services. The programs focus on credit score analysis, inquiry tracking, and creditor interventions. Each Credit Saint package is tailored to accommodate and fit the needs of each client. To help you find a reputable credit repair service , we’ve researched over a dozen companies, analyzing their services provided, pricing, transparency, time it takes to see results, and company reputation. Their fees are subject to change, but all figures on our list are current as of July 22, 2024. Here are our top picks for the best credit repair companies available.

Client education about avoiding scams and giving their personal details over the phone or online is also offered. A repossession will stay on your credit report for up to seven years, which means that all the late payments on a loan or credit card, as well as the repossession, will show up on your credit report. The repossession itself will also lower your credit score, making it harder to get approved for loans and credit cards in the future. Fortunately, you’ll have a chance to undo the credit report damage after a repossession, as the sale of a repossessed asset is often not enough to balance the amount you owe to a lender. In this case, your lender could possibly negotiate a new repayment plan with you so you can pay off the balance and restore your credit. If you’re able to make all your payments on time and keep your account in good standing, the repossession will eventually fall off your credit report.

We scored Los Angeles credit repair companies on more than 25 variables across five categories, and analyzed the results to give you a hand-picked list of the best. But credit repair companies should at least cover the basics of credit repair. Sky Blue Credit is one of the best credit repair companies that offer more affordable services (compared to others in this list). Lexington Law is a credit repair company composed of licensed lawyers and paralegals.

Credit Repair & Building Services

This is unlike some companies that offer limited disputes or challenges to your creditor every month. Also, the company doesn’t offer additional features to help you improve your credit. The Credit People has been in the industry for more than two decades. You can choose from one of their monthly plans or a flat-rate plan. Leverage consumer protection laws to challenge inaccurate reporting.

Money-back Guarantee

Your 9-digit Social Security Number is essential to securely verify your identity with all three major credit bureaus. This step ensures accurate syncing of your credit report, allowing the system to analyze data, find errors, and begin the dispute process without delays or mismatches in information. Maintaining active accounts safeguards your credit history, which is key to a consistent credit rating. With CreditDIY, paid-as-agreed accounts remain on your report without impacting your score, supporting long-term credit stability. Our platform carefully assesses negative entries and preserves active accounts, fostering trust with credit bureaus and enhancing your overall credit standing. The Credit Repair Organizations Act also entitles you to certain legal rights when dealing with credit repair companies.

The company has two consumer reviews on Trustpilot, with a 2.9 out of 5 star rating. But it’s important to note that its Trustpilot reviews don’t look legitimate. It fares slightly better with BBB reviewers, with an average of 3.29 out of 5 stars.