COMPARE CREDIT REPAIR
Know what separates a legitimate service from a scam before you sign up. Our editorial team breaks down what matters most across every major provider.
These four factors separate reputable credit repair companies from the ones you should avoid. Check every box before you sign up.
The Credit Repair Organizations Act (CROA) is the federal law governing credit repair services. Compliant companies must provide a written contract, a 3-day cancellation window, and cannot charge fees before services are performed. Any company that skips these protections is operating illegally.
Negative items can appear on one, two, or all three of your credit reports. A service that only works with one bureau will miss errors on the others — errors that still drag down your score. Always choose a provider that disputes simultaneously with Equifax, Experian, and TransUnion.
Monthly fees, setup fees, and cancellation terms must all be clearly disclosed before you sign anything. Be cautious of services that require you to call for pricing, bundle features in ways that obscure per-item costs, or use vague language like "starting at" without defining the full range.
Volume and specificity of disputes matter. Generic dispute letters are easier for bureaus to dismiss. Look for services that tailor letters to each specific item, escalate to creditor investigations when needed, and provide you with copies of every letter sent on your behalf.
Common questions from consumers comparing their options.