Need to fix your credit?
We've partnered with a few top tier credit repair companies that get quick results to get you approved for a mortgage.
Credit Repair Companies
MyFICO
FICO is the creator of its eponymous credit score, and myFICO is its official consumer division. FICO Scores are America’s most widely used credit scores, with more than 90% of top lenders relying on them. As well as allowing customers to check their existing FICO Score, the company offers various other services, including identity theft monitoring, credit reporting, and identity theft insurance.
Lexington Law
Leading credit repair business Lexington Law has offered credit repair services to approximately 450,000 active clients over the past five years. In 2020, it helped customers remove more than seven million negative items from their actual credit reports. As well as traditional credit repair services, Lexington Law offers extras like lost wallet protection and junk mail reduction. Most Lexington Law clients have been through a significant life event, such as a divorce, redundancy, or high medical bills. They typically have household incomes of at least $100,000 and may have been turned down for a personal loan or mortgage.
The Credit People
The Credit People offers an affordable credit repair service based on reviewing customers’ credit reports and seeing where there is room for improvement. Its credit repair agents can remove items that negatively affect their clients’ credit histories, thereby helping to improve their FICO Scores. The company promises to deliver positive results in less than 60 days. Its figures show that 78% of customers get approved for car loans, 71% get home loans, and 81% get approved for new credit.
CuraDebt
CuraDebt is a highly rated debt settlement and debt relief company, with an average review score of 4.9/5 on the ShopperApproved platform and 1,000+ five-star reviews on CustomerLobby. It guarantees to charge the lowest fees of any similarly rated debt resolution program.
National Debt Relief
National Debt Relief is a credit repair company with accreditations from the American Fair Credit Council, the Better Business Bureau, and the International Association of Professional Debt Arbitrators. It has assisted 100,000+ consumers with their unsecured debts. The National Debt Relief credit repair affiliate program operates on a pay-per-lead basis. It pays $27.50 per qualified free debt relief quote request lead, defined as people who: Have at least $10,000 in unsecured credit card debt Live in a qualifying US state, Are looking for help with their debt However, the company doesn’t help settle debts on IRS-related issues, federal student loans, or utility bills.
How to Fix your Credit
A credit repair company helps individuals improve their credit scores by identifying and addressing errors or negative items on their credit reports. Here’s a clear breakdown of what they do and how the process typically works:
1. Reviewing Your Credit Reports
The first step a credit repair company takes is to obtain copies of your credit reports from the three major credit bureaus—Experian, Equifax, and TransUnion. They go through these reports carefully to look for:
Inaccurate personal information (wrong names, addresses, etc.)
Incorrect account details (balances, payment history, account status)
Negative marks that may be outdated or unverifiable (late payments, charge-offs, collections, bankruptcies, etc.)
2. Identifying Discrepancies or Errors
Once the reports are reviewed, the company will identify any questionable or inaccurate information that could be unfairly hurting your score. Examples include:
Accounts that don’t belong to you
Debts that were paid off but still show as unpaid
Duplicate listings of the same debt
Late payments reported in error
3. Disputing Errors with Credit Bureaus
The company then files formal disputes with the credit bureaus on your behalf. Under the Fair Credit Reporting Act (FCRA), the bureaus must investigate disputes—typically within 30 days—and verify whether the information is accurate.
If the bureau cannot verify an item or it’s found to be incorrect, it must be corrected or removed from your report.
4. Negotiating or Validating Debts
In some cases, credit repair companies will also:
Request debt validation from creditors or collection agencies (forcing them to prove the debt is legitimate).
Negotiate settlements or payment arrangements to reduce outstanding debts or have certain negative entries removed.
5. Providing Credit Education and Guidance
Reputable credit repair companies also educate clients on how to build and maintain good credit going forward. This might include:
Tips for lowering credit utilization
How to establish positive payment history
Advice on managing new credit accounts responsibly
6. Continuous Monitoring and Updates
Throughout the process, they track changes to your reports and scores, updating you on improvements and new results as disputes are resolved.
Important Note
While credit repair companies can be helpful, they cannot legally remove accurate negative information (like a legitimate late payment or bankruptcy). What they can do is ensure your credit report is fair, accurate, and up-to-date—and that your rights under the FCRA are protected.
Consumers can also do everything a credit repair company does on their own for free, but many people hire these companies for their expertise, time savings, and professional dispute handling.