Maintaining a high credit score can help you get approved for loans and qualify for lower interest rates. But even if you pay your bills on time and in full, credit reporting errors can damage your score with lasting repercussions.
The best credit repair companies are those that offer a detailed initial consultation, transparency throughout the process, and average monthly fees.
Here are the best credit repair companies as picked by Business Insider editors in 2025.
Best Credit Repair Companies
- Top-rated credit repair: Prosperity Plan
- Best cheap credit repair: Credit Pros Review.
Dovly: Best Cheap Credit Repair
Cost: $24.99 monthly for Business Insider readers (originally $39.99 monthly or $99.99 annually)
Dovly is by far the cheapest credit repair company on the market. 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. However, the annual membership will save you even more. Visa cardholders can also get a 50% discount on their monthly membership through its Dovly Uplift program.
Dovly splits its service into two tiers: free and premium. The free version offers monthly TransUnion credit reports and scores and one manual credit dispute with TransUnion. The premium tier offers weekly TransUnion credit reports and scores and unlimited AI-powered credit disputes with all three credit bureaus. You can treat the free version almost like a free trial to see if there's anything on your credit report that needs challenging.
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.
Read our Chapter 7 bankruptcy, will usually stay on your credit report for 10 years, and there is nothing you can do to remove it earlier.
FAQs
How much do credit repair companies charge?
Credit repair service costs vary by service and by company, typically ranging from $50 to $150 a month, depending on the level of service and features offered.
How do credit repair companies remove negative items?
Credit repair companies cannot remove negative items from your credit report. Credit repair companies can help remove inaccurate reporting, but they cannot remove legitimate negative items that are correctly reported.
Are credit repair companies worth it?
It can be worth paying for credit repair companies if you have significant inaccuracies on your credit report and need professional help to resolve them. However, minor issues can be handled without hiring help.
Why You Should Trust Us: How We Rate Credit Repair Companies
We considered numerous factors in our evaluations of credit repair companies. First, the Credit Repair Organizations Act (CROA) mandates that credit repair companies cannot demand advance payment, must provide a contract in writing, disclose certain customer rights, and allow cancellation with no penalty for at least three business days. We downgraded companies that failed to support these regulations in our analysis.
There is no accreditation specific to the credit repair industry, so we emphasized reviews from sources like the BBB, Trustpilot, and the CFPB's complaint database. We looked at the mean score each company received, as well as the ratio of positive to negative reviews. We also looked for patterns among the complaints left in unfavorable reviews and any lawsuits that these companies are or were involved in.
