January 20, 2024

Fast Credit Repair

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Did you know you can repair credit "quickly"? You can with the fastest credit repair companies. One bonus option is free.

What are the fastest credit repair companies?
The best and fastest credit repair companies include:
  1. Sky Blue Credit: best overall
  2. Credit Saint: comes with a credit score tracker
  3. The Credit People: longest satisfaction guarantee
  4. Lexington Law: most aggressive credit repair
  5. The Credit Pros: offers a credit builder loan

On average, it takes up to six months to see changes in your credit. That's because credit bureaus have 30 to 45 days to resolve disputes for a single item.

It takes longer if the item is complex, needing more time to correspond with credit bureaus. Credit bureaus have up to 5 business days to update you on the results.

That said, some companies may work more quickly than others. Keep reading to learn about them.

Would you consider using a free bonus option if it meant slower repair progress?

Fast Credit Repair Companies

Credit repair companies offer various "aggressiveness" in disputing your negative items. This typically affects the price of your package.

What is your primary concern when it comes to credit repair services?

Sky Blue Credit: Best Overall

Sky Blue Credit has been in the industry since 1989. It operates on a 35-day dispute cycle, making it one of the fastest services on the list. Your disputes will be 10 days faster than the average credit repair company.

Mortgage preparation is Sky Blue Credit's specialty, suitable if you're buying a home or refinancing your mortgage.

You can choose your package depending on whether you're applying on your own or with a partner.[1]

Price (per month)$119$79
Setup fee or first work fee$119$79
Detailed credit report breakdown
35-day dispute cycles
Strategize how to rebuild your credit (Credit Rebuilding)
Additional assistance in dealing with creditors (Creditor Interventions)

Sky Blue Credit's Mortgage Preparation
If you plan to buy a home or refinance your mortgage, inform Sky Blue Credit 90 days before your application. That way, Sky Blue Credit can pause your disputes and strategize for your application. The company addresses every aspect of your credit that can affect your ability to qualify for a mortgage.

Pros + Cons:

  • Cancel anytime with no fees
  • Option to pause package
  • Free ID Theft Consultation
  • 90-day satisfaction guarantee
  • No mobile apps
  • No credit monitoring
  • Customer support is not 24/7

If you prefer to monitor your credit during the process, then go for Credit Saint instead.

Credit Saint: Credit Score Tracker

Credit Saint is another company that offers fast credit repair solutions. It has been in the industry since 2004 and has helped over 200,000 clients improve their credit.

It offers a 90-day money-back guarantee. So, you can request a refund if the company fails to remove questionable items from your credit report.

Plus, you can keep track of changes in real-time, thanks to Credit Saint's score tracker. This way, you don't need to pay for a different credit monitoring service.

Below are Credit Saint's packages:[2]

Price (per month)$129.99$99.99$79.99
Initial working fee$195.00$99.00$99.00
Credit repair strengthVery HighHighMedium
Challenges 3 credit bureaus
Breaks down your credit scores
(Score Analysis)
Monitor your credit score (Score Tracker)
Validate any inquiries that affect your credit
(Inquiry Targeting)

Pros + Cons:

  • Cancel anytime with no fees
  • A rating from BBB
  • BBB-accredited since 2007
  • Credit monitoring feature
  • No mobile apps
  • Not available in all states[3]
  • Expensive initial working fee

What is a first work fee?
A first work fee, also known as an initial working fee or setup fee, is a fee that covers the initial work for credit repair. This can be billed from 5 to 15 days from the start of the service. It typically covers setting up your online accounts, pulling credit reports, initial analysis, etc.

If you're doubtful of credit repair in general, then you may want to opt for this next option. The guarantee may help ease your mind.

The Credit People: Longest Satisfaction Guarantee

The Credit People has been in business since 2001. It has removed over 1.5 million negative items, with several clients gaining 50-100 points increase in credit scores.[4]

The Premium Flat Rate package offers the longest guarantee, which covers 6 months of service. Its $599 flat fee also results in lower monthly fees than most packages.

Price$599 for 6 months$119 per month$99 per month
Setup fee$19 only
Unlimited disputes to credit bureaus
Monthly credit report and credit score update
Additional assistance for any issues with creditors (Creditor Interventions)
Resolve and reverify any credit issues
(Escalated Disputes)

You need to pay the one-time setup fee of $19 to get started.[5] It's for setting up your account and pulling your credit report and credit scores. If you want to continue the program after 7 days, you will be charged the standard package price.[6]

Pros + Cons:

  • Cancel anytime
  • Get $20 off your first payment if you sign up as a couple[7]
  • No mobile app
  • Couples discount doesn't apply to Premium Flat Rate
  • Need to pay the setup fee before the free trial

If your priority is the intensity of the credit repair service, check out Lexington Law instead.

Lexington Law: Most Aggressive Credit Repair

Lexington Law is a law firm that focuses on credit repair and credit laws. It has been in business since 2004. And it has a team of experienced lawyers and paralegals that can dispute for you.

Lexington Law uses an aggressive approach to handle the negative items on your credit report. Around 89% of its clients saw an average increase of 40 points to their credit score.[8]

Here are the packages to choose from:[9]

Price (per month)$139.95$119.95$99.95
First work fee
Credit repair strengthIntenseModerateFair
Equifax & TransUnion disputes
(per cycle)
Up to 8Up to 6Up to 6
Experian disputes (per cycle)Up to 3Up to 3Up to 3
Creditor interventions (per month)Up to 6Up to 3Up to 3
Challenge credit-impacting inquiries
(Inquiry Assist)
ID Theft Insurance (in case of identity theft that results in credit damages)Up to $1,000,000 coverageUp to $25,000 coverageUp to $25,000 coverage

Aside from credit repair packages, the company offers "Focus Tracks," which can help you with unexpected life events. This could be a divorce, medical emergency, or active military duty.

Through these tracks, Lexington Law prioritizes specific items since these big events can deter your credit quickly.

Pros + Cons:

  • iOS and Android Apps
  • One-time 50% off discount for your spouse[10]
  • 50% off first work fee for veterans[11]
  • Expensive packages
  • Hidden fees and charges
  • No money-back guarantee

Aside from disputing negative items, why not add positive transactions at the same time? The Credit Pros can help you out.

The Credit Pros: Credit Builder Loan Option

The Credit Pros has helped over 1 million customers boost their credit scores since 2009.

Its Success Plus Plan offers a credit builder loan you can use to add more positive transactions to your credit. And you can do this while The Credit Pros disputes your negative items on your behalf.

With the same plan, you can also monitor your credit report and credit score. It comes at no extra cost, unlike other companies.

Plus, you get a 90-day money-back guarantee. This means you are entitled to a refund in case The Credit Pros cannot remove any negative item affecting your credit.

Price (per month)[12]$149$129
First work fee$149$129
Credit bureau challenges
Creditor interventions
Cease & Desist letters
Letter of reference
Credit builder loan

Pros + Cons:

  • BBB-certified
  • NACSO-certified
  • iOS and Android apps
  • Free credit monitoring service
  • Most expensive package
  • Pricey first work fees
  • Limited money-back guarantee

What is NACSO?
NACSO stands for National Association of Credit Services Organization. It is a nonprofit organization that focuses on implementing industry standards for credit repair. NACSO advocates for ethical practices in the industry and provides certifications for professionals.

Credit repair companies can offer really expensive services. If you're here for the free option, read on.

DIY: Fastest and Free Credit Repair

The last option is not an app, software, or a company that can fix your credit fast. It's you. A Do-It-Yourself approach can be your quickest way to fix your credit.

With a DIY credit repair, you'll be the one writing dispute letters, sending mail, and corresponding with credit bureaus. This means you know exactly where you are in your dispute cycles.

There is a caveat, though. You need to be knowledgeable about credit laws and dispute strategies to be effective.


  • You get to understand your own credit
  • You get to learn more about credit laws
  • No need to worry about service fees


  • Risky to your credit since there are no experts guiding you
  • Requires focus, time, and energy
  • No guarantees

Is there a quick fix to credit history?
There is no guaranteed quick fix to improve your credit history. You need to add on-time payments and positive transactions to your credit history before you see substantial improvement. It is more realistic to allot as much as 6 months to see changes if you want to rebuild your credit history and improve your credit score.

What Is Credit Repair?

Credit repair is the process of improving your credit by disputing and removing negative, outdated, and inaccurate items from your credit report.

There are several ways to do this. You can hire credit repair companies, use credit repair apps, or perform DIY credit repair.

One single negative item can set back your credit score to more than a hundred points. So be sure to watch out for the following:

  • Late payments
  • Missed payments
  • Charge-offs
  • Collection accounts
  • Foreclosures
  • Repossessions
  • Hard inquiries

Can I pay someone to fix my credit fast?
Yes, you can pay someone (a company) to fix your credit fast. There are several credit repair companies that offer fast credit repair services. They use aggressive methods to dispute your negative items urgently.

However, it's not guaranteed that your credit will improve immediately. This is because your credit depends on many things, like your recent payments and new credit card applications.

How To Improve Credit Immediately

If you're looking for more urgent ways to improve your credit, here's how:

  • Pay your debts on time
    The single most significant factor in credit is payment history (35%). Your ability to pay/not pay on time has the biggest effect on your credit.

  • Become an authorized user
    If you know somebody, like your spouse or family, who has a credit card, try asking to be an authorized user. Being an authorized user means you can benefit from their card's age, utilization ratio, and payment history.

  • Request a higher credit card limit
    Try to contact your bank and request a higher credit limit. If you've established yourself as a good payer, your bank may grant you higher limits, decreasing your utilization ratio.

  • Try Experian Boost
    Experian Boost is an app by Experian you can use to report utility, telecom, streaming, and rent payments. If you keep your payments on time for these bills, you can use Experian to boost your credit.

  • Try credit builder apps
    Credit builder apps like Kovo can help you rebuild your credit. Choose an app you can commit to and keep the payments on time to slowly build a better payment history.

How to get a 700 credit score in 30 days?
There is no specific way to bring your credit score up to 700, but there are several things you can try to boost your credit score fast.

  • Pay your current dues and balances on time
  • Limit your credit card and loan applications
  • Minimize your credit utilization
  • Send disputes for negative items
  • Keep your old accounts open

Why You Need Fast Credit Repair

Credit repair is not an option. It's a necessity. Your credit ties you to almost every financial decision you'll ever make. It can even affect your relationships, like your marriage.

That said, you need credit repair for three reasons:

  1. To improve your current credit standing
    If you have poor credit now, it can follow you around for several years. Credit repair can help you mitigate potential loss and damages from negative items on your report.

  2. To get the best deals
    Better credit equals better deals. When you apply for a loan, for example, good credit is your gateway to lower interest rates and better terms.

  3. To prepare for the future
    Your credit follows you through your job applications, career, and even family life. The sooner you can fix your credit, the better the financial foundation you will build.


There are thousands of credit repair companies in the U.S. alone. Here's how we chose the best and the fastest among them:

  • Years in the business
    The companies on the list have been in the industry for more than a decade. Experienced companies may have more aggressive tactics and strategies, resulting in faster disputes.

  • Dispute cycles
    Dispute cycles are around 30–45 days, depending on the complexity of your negative item. Note that in case the dispute does not result into a removal and you choose to dispute again, it may take another cycle to resolve your case.

  • Guarantee and refund
    We look for satisfaction guarantees or money-back guarantee because it demonstrates capability. You will most likely be assured of removals when there's a possibility for refunds.

  • Rate of success
    Some companies, like Lexington Law, can quantify their overall rate of improvement. We look for quantifying statements, such as the number of removals or increases in credit scores for the past months.

  • Credit repair packages
    We look for offerings and prices that clearly state inclusions and features. Well-known companies should be able to clearly state what they can and cannot do for you.

Bottom Line

Fast credit repair never meant fixing your credit in the blink of an eye. Realistically, you need to allot 6 months to 1 year to see changes in your credit.

That said, the companies on this list can help you get started. Features like credit monitoring, satisfaction guarantee, and credit builder loans can add to your confidence that these companies can get the job done.


  1. ^ Sky Blue Credit. Member Pricing, Retrieved 12/07/2023
  2. ^ Credit Saint. Packages, Retrieved 12/07/2023
  3. ^ Credit Saint. Website Terms & Conditions, Retrieved 11/10/23
  4. ^ The Credit People. Plans & Pricing, Retrieved 11/15/2023
  5. ^ The Credit People. All the Cost Up Front, Retrieved 12/07/2023
  6. ^ The Credit People. FAQ: How much does your service cost?, Retrieved 12/07/2023
  7. ^ The Credit People. FAQ: Is there a discount for couples?, Retrieved 12/07/2023
  8. ^ Lexington Law. Our services, Retrieved 10/23/2023
  9. ^ Lexington Law. How much does Lexington Law cost?, Retrieved 12/07/2023
  10. ^ Lexington Law. FAQ: Does Lexington Law offer a family or household discount?, Retrieved 12/07/2023
  11. ^ Lexington Law. FAQ: Does Lexington Law offer a military discount?, Retrieved 12/07/2023
  12. ^ The Credit Pros. How Much Does It Cost, Retrieved 12/07/2023

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