• Credit Saint – Best Overall

• Lexington Law – Credit Repair Industry Leader

• Sky Blue Credit – Best Value

• The Credit People – Best Guarantee

• Ovation Credit Repair – Best for Discounts

• The Credit Pros – Best Bonus Features

• Credit Versio - Best for DIY Credit Repair

• Lexington Law – Credit Repair Industry Leade

Credit Saint offers a free consultation to evaluate your particular situation and identify the next steps you should take. Once you sign up with them, the company assigns an advisory team to your case and schedules calls to keep you informed.

The company offers three service packages ranging from $95.85 to $139.95 per month, each including credit disputes and creditor interventions — such as debt validation and goodwill letters. Its mid- and high-tier plans include additional perks like a personal finance manager, identity theft insurance and/or a Transunion FICO score tracker.

However, one drawback of the Money Management plan is that it'll address only one inaccurate item from your report per month. If you need help with several items, you'll need to upgrade to the Prosperity and Success packages. These include the same benefits as the Money Management plan plus some additional perks.

The Prosperity Package provides access to SlashRx, a discount program for prescription medications. The Success Package does as well, but it also offers a credit line from National Credit Direct. National Credit Direct is a financing program that allows customers to purchase items such as electronics at low monthly payments. The monthly payments are reported to the credit bureaus, which may help people improve a poor credit score. Do note that the company's items are usually more expensive when compared to other retailers.