8 Best Credit Repair Companies of 2026

Sky Blue Credit keeps its program simple: three plans, all with three-bureau reports and scores, credit bureau disputes, one-on-one consultations, a score tracker and a 24/7 client portal. Basic costs $79 a month and refreshes your credit every 60 days. Full Service at $99 adds creditor interventions, a credit builder tool and a faster 45-day update cycle. Premium at $119 adds monthly inquiry disputes, debt validation letters, cease and desist letters and personal information correction letters. Couples pay $119, $149 or $179 a month for the same three tiers. Sky Blue does not charge for the first 6 days, lets members pause, resume and choose a billing date, and says it will refund anyone who asks within 90 days of enrollment, with no conditions attached. The trade-off is that the letters many people with collections need, debt validation and cease and desist, sit on the top plan, so heavy collection files will likely land at $119 a month.

The Credit People sells one service at two monthly price points and one fixed price. Standard costs $99 a month and Premium, which the company calls its most advanced plan, costs $119. Both are pay as you go, and you can stop whenever you are happy with your credit. Premium Flat Rate costs $599 for 6 months and is aimed at people who dislike monthly fees and have a lot of work needed. The service disputes with all three credit reporting agencies without a set limit, shows all three scores at the start and refreshes them monthly, and sends escalated disputes and validation requests for items that survive a dispute cycle. Creditor interventions are included for problems the bureaus will not fix. The company says 1,493,678 credit issues have been removed for its customers. The main gap is that the pricing page lists the same feature set for both monthly plans without explaining the Premium difference, so ask before choosing.

Credit Firm avoids tiers entirely. One plan costs $49.99 a month, and the company lists no setup fees, consultation fees, credit report fees, per-deletion fees or cancellation fees. That single plan covers disputes with Equifax, Experian and TransUnion, unlimited eligible challenges, debt validation requests to collection agencies, Section 609 letters, method of verification requests, CFPB investigations, permissible purpose checks and goodwill requests for eligible late payments. Each client is assigned a personal credit consultant who handles the case and the updates, and an online portal shows progress in real time. The first payment is scheduled 5 days after enrollment, then monthly, and you can cancel at any time. What Credit Firm does not publish is a refund policy, and its pricing page does not list three-bureau reports or scores as part of the fee, so budget for monitoring separately if you need it.

Dovly AI is a self-serve app rather than a law firm or agency, and it is the only option here with a permanent free plan that includes disputes. The free tier shows your TransUnion report and score monthly, offers a manual TransUnion dispute tool, and adds security score tracking and limited data breach alerts. Premium is billed at $99.99 a year, which Dovly presents as $8.33 a month. It switches to weekly TransUnion updates, unlimited AI-powered TransUnion disputes, a $2K tradeline, rent and bill reporting, a TransUnion credit lock and $1M of ID theft insurance. Dovly reports an average 93-point lift for a sample of 2,922 Premium members enrolled more than 6 months, as of December 2025, and says results vary. The key limit is scope: every dispute goes to TransUnion, so errors on Equifax or Experian need another route, and nobody reviews your file by hand.

The Credit Pros sells three plans, and only two of them are credit repair. Money Management costs a $119 first work fee and then $69 a month; it reports your Credit Pros payments to the bureaus, shows one bureau's report and score, and adds bill reminders, budgeting tools and dark web monitoring, but it does not dispute anything. Prosperity, the repair plan, costs $129 up front and $129 a month and disputes items you think are inaccurate with all three bureaus with no limit, assigns a Credit Specialist who contacts creditors and collectors, sends letters asking collectors to stop contacting you and gives you three-bureau reports and scores. Success Plus at $149 a month combines Prosperity with payment reporting. Every plan includes TransUnion fraud alerts. This is the most complete feature set here, but it is also among the most expensive, with a first work fee on every plan, and the service is not offered in Maine, Kansas, Minnesota or Oregon.

MSI Credit Solutions prices in two parts: an initial setup investment that starts at $98 and is quoted after a full review of your credit report, then a monthly fee of $98 for a single enrollment or $69 per person for a joint enrollment, a $58 monthly saving for couples. MSI says it does not offer fixed-rate services because cost depends on the number, age and dollar amounts of negative items and which creditors report them. Every enrollment includes a consultation with a Senior Credit Expert, unlimited disputes to all three bureaus, debt validation letters, cease and desist letters, pay-to-delete assistance, coaching and a 24/7 client portal. MSI collects no money until services have been performed, as federal law requires. The company has been operating since 2006 from Dallas and says it has served more than 70,000 clients. The weak point is predictability: you will not know your setup cost until after the review.

Credit Versio is software, not a service: it does the analysis and letter writing, and you send the disputes. The software is free, but it links to a SmartCredit three-bureau report, so you pay for a SmartCredit plan starting at $27.95 a month on Basic or $29.95 on Premium, each with a 7-day trial for $1, plus postage for your letters. Once linked, Credit Versio imports your report, finds negative accounts and builds a dispute strategy, choosing different approaches for, say, a collection versus a bankruptcy. It tracks disputes on all three bureaus and sends a monthly progress report with deleted accounts and new scores. SmartCredit plans include monthly three-bureau reports and scores, $1M identity theft insurance and credit monitoring. Credit Versio says it never puts an inquiry on your credit report. The cost is your time: you handle printing, signing and mailing, and nobody contacts creditors for you.

ScoreShuttle turns the dispute process into a dashboard. Launchpad is free and gives you one TransUnion credit score and report on your first pull. Discovery adds an unlimited Dispute Hub, credit monitoring and 15MB of document storage, with one report and score refreshed every 90 days. Voyager adds three scores and three reports every 30 days, identity and dark web monitoring, unlimited storage, premium support and automatically generated dispute letters sent by email for you to print, sign and send. The Dispute Hub highlights items that may be disputable, and ScoreShuttle counts one dispute as one tradeline challenged at one bureau. Its CreditCamp TV series covers credit management. We marked pricing as pending because the home page says plans start at $19 a month while the pricing page lists $41 and $83, and we could not confirm which applies to monthly billing. Like Credit Versio, you still mail the letters yourself.