Updated October 15, 2023

Most Aggressive Credit Repair Companies

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A bad credit score can mean expensive fees. But the most aggressive credit repair companies can help with that. Read on for your options.

What are the most aggressive credit repair companies?
To fix your credit fast, you can go for:
  1. Credit Saint: Best for Unlimited Disputes
  2. Sky Blue Credit: Fastest Credit Repair
  3. The Credit Pros: Best for Credit Building

Stuck with terrible credit? Then you know it's especially hard to get approved for a loan.

And if you do end up getting approved, you may end up with higher interest rates. Then payments for your car and mortgage will be extra expensive.

But that's where credit repair companies come in. They can dispute items that negatively impact your credit score. Thus, helping you get the best deals.

Have you ever used a credit repair company to improve your credit score?

The most aggressive credit repair companies have removed millions of negative items over the years. Find a suitable one from the list below.

Most Aggressive Credit Repair Companies

Disputing items in your credit report can be time-consuming and a hassle. Instead of doing the work yourself, you can rely on skillful experts instead. They'll dispute erroneous items for you.

Let's start with the best of the best.

Credit Saint: for Unlimited Disputes

Credit Saint is one of the most aggressive companies that has offered credit repair for more than 15 years. Because they're confident in their great service, they can offer you a 90-day money-back guarantee.

And assuming there's really a lot to fix with your credit report, you can get unlimited disputes with one of their package.

Here's what else you can get from them:[1]

Clean SlateCredit RemodelCredit Polish
AggressivenessVery HighHighMedium
Price (per month)$119.99$99.99$79.99
Initial working fee/first work fee$195.00$99.00$99.00
Challenges to the 3 credit bureausUnlimited items per dispute cycle10 items per dispute cycle5 items per dispute cycle
Creditor interventions
Other package inclusions:
Score tracker and analysis
Inquiry targeting

Customer Reviews: Credit Saint has an average rating of 4.8 out of 5 stars with over 10,275 Google Reviews. They mostly have positive reviews regarding their patience, professionalism, and responsive customer support.[2]

Why we like it:
Credit Saint's services can be expensive. But you can get your money's worth and maximize your plan by adding another family member to your account. Credit Saint waives the first work fee for additional members.

Requesting a Refund from Credit Saint:
If you're ever unsatisfied with the service, you can always request a refund. There are just a few terms and conditions.

You'll need to:

  • Have paid for your plan and not cancel within 90 days since your program started
  • Not add new negative items to your report by adding derogatory tradelines or not paying for existing accounts on time
  • Pay your fees on time
  • Comply with all necessary documents and requirements stated by Credit Saint within 5 days of the agreement
  • Give Credit Saint 30 days from the date of the refund request for credit review and audit

Guarantees and Accreditations:
As mentioned, Credit Saint offers you a 90-day money-back guarantee once you sign up and pay for your package. The company is also accredited by Better Business Bureau (BBB) since 2007. It has a BBB Rating of A.[3]

What is Better Business Bureau?
Better Business Bureau (BBB) is a nonprofit organization that emphasizes marketplace trust. BBB's mission is to help consumers find trustworthy businesses, brands, and charities through free public information. It is available across the United States, Canada, and Mexico.

Sky Blue Credit: Fastest Credit Repair

Sky Blue Credit is one of the first pioneer companies in credit repair. It has been around for more than three decades and continues to offer aggressive credit repair services today.

Here are the credit repair packages they offer:[4]

Price (per month)$99.00$149.00
Initial working fee/first work fee$99.00$149.00
Pro Analysis for risky disputes and hard-to-spot items
Faster Disputes for 35-day dispute cycles
Custom Disputes effectively tailored to each negative remark
Other package inclusions:
Coaches-on-Call for credit consultations and in-class supportNo extra chargeNo extra charge
Creditor interventions like Debt Validation, Goodwill Letters, Cease & Desist Letters, and moreNo extra chargeNo extra charge

Customer Reviews: Sky Blue Credit has an average rating of 4.4 out of 5 stars in over 400 Google Reviews.[5] It also garnered an average rating of 4.8 out of 5 stars in Consumer Affairs from over 200 reviews. Customers particularly praised the company's excellent customer support.[6]

Why we like it:
Sky Blue Credit is the fastest credit repair company on the list, with an aggressive 35-day dispute cycle. This makes Sky Blue Credit 10 days faster than the typical credit repair operating a 45-day cycle.

They operate on a dispute-to-re-dispute basis, too. That means they may challenge credit bureaus twice for a second chance to remove negative items in your report.

Sky Blue Credit's Mortgage Preparation
Are you applying for a home loan or looking to refinance your mortgage? Sky Blue Credit's specialty is Mortgage Preparation because of their extensive knowledge of lender requirements. You can contact the company for credit-rebuilding strategies to prepare for this big life decision.

Guarantees and Accreditations:
Just like Credit Saint, Sky Blue Credit offers you a 90-Day Guarantee for their services. Keep in mind that this guarantee does not cover specific outcomes.

Unfortunately, the company has no accreditation from any organization. But it does have an A+ rating from the BBB.[7]

Sky Blue Credit's Best-in-Class Support
You can contact Sky Blue Credit if you are not satisfied with your service to qualify for a refund. Sky Blue Credit Customer Support is available from 9 AM to 5 PM, Monday to Friday, EST. You can also call them at (800) 790-0445.[8]

The Credit Pros: for Credit Building

Credit repair and credit building are two features that can help improve your credit. Fortunately, The Credit Pros offers both.

Aside from the typical disputes feature, you can opt for the credit builder loan from the Success Plus plan. With it, The Credit Pros will report your timely payments to all credit bureaus.

Here's what else you can get from them:[9]

Success PlusProsperity
Price (per month)$149.00$129.00
Initial working fee/first work fee$149.00$129.00
Three-bureau credit bureau challengesUnlimitedUnlimited
Creditor interventions
Cease & Desist Letters
Credit Builder Loan
Other package inclusions:
Credit monitoring and financial tools

Customer Reviews: The Credit Pros has received an abundance of positive reviews, with an average of 4.2 out of 5 stars from over 400 Google Reviews.[10] It also received an average rating of 4.6 out of 5 stars from over 300 Trustpilot reviews.[11] Plus, the fact that the company takes time to reply to these feedback may show their dedication to their service.

Why we like it:
The Credit Pros is a business with certified FICO professionals handling your case. These experts come from the same company measuring your FICO credit scores.

Additionally, they offer reinvestigations. They'll contact credit bureaus when a successfully deleted item is reinserted into your credit report. The Credit Pros does this free of charge to ensure you get resolution on your cases.

What is FICO?[12]
FICO stands for Fair Isaac Corporation. The company measures the most common credit score to determine your creditworthiness. Almost 90% of lenders, banks, and agencies review FICO scores for loans, credit cards, and other financial products.

Requesting a Refund from The Credit Pros:
Want your money back? You are subject to some terms and conditions to get a refund.

Here are the requirements:

  • You requested a refund any time within 5 days of signing your agreement with The Credit Pros.
  • The Credit Pros did not assist you in sending dispute letters within 30 days since start of service.
  • No items were removed from your credit report within 90 days since start of service.

Guarantees and Accreditations:
The Credit Pros offers a limited money-back guarantee and refund policy. It also has an A+ rating from Better Business Bureau[13], and is accredited by the National Association of Credit Service Organizations (NACSO).[14]

What is NACSO?[15]
NACSO stands for National Association of Credit Services Organizations. It's a trade association advocating ethical practices in credit repair. It certifies credit repair businesses and professionals. And it is committed to upholding and educating credit repair companies with the highest standards.

Now, it can get confusing having viewed all these options. How do you know what to choose? Here's a criteria to help you out.

How To Choose A Credit Repair Company

Credit repair costs are no joke. You may end up spending more than a hundred dollars monthly. At best, you want to ensure you are paying the right people to help with your credit.

Consider these factors when choosing a credit repair company:

  • History and experience
    The longer the company is in the industry, the more track record they have in credit repair. You will then have an easier time finding information and recent news about a company's performance, compliance, and relevant accreditations.

    FTC Shuts Down Credit Repair Pyramid Scheme Operating Since 2015.
    Local authorities shut down Financial Education Services. The supposed credit repair company's practices violated several laws and offered worthless services to consumers for years.[16]

    These companies often do more harm because they are operating a scam, and may engage in illegal practices to fix your credit on your behalf. This seriously impacts your identity and credit.

  • Testimonials and review
    Are people talking about the company? You can search for forums, platforms, and even the company website to find out other people's experiences with their service.

  • Guarantee and refund policies
    Not all credit repair companies are created equal. Guarantees and refund policies are not always available for you. It's best to look for these safety nets if you want an extra layer of protection for their services.

  • Locations
    Always search for the availability of the credit repair company in your location. Each state has laws regarding credit repair. The company may not offer its services in some areas, especially if the business is not registered in your state.

  • Website and online presence
    Websites and social media accounts give you information and ideas about the company you're prospecting.

    Reputable credit repair companies typically have large, established websites or official social media accounts at the least. Other companies may have more activities on their Facebook, Instagram, or LinkedIn pages.

What is most important to you when choosing a credit repair company?

How to verify contact information online?
You can look for crucial information on the websites such as customer support channels, physical locations, office addresses, and blogs. Or call the listed phone numbers to verify if they are actually the company using the numbers on the website. You can also send emails to learn how responsive they are.

Our Methodology

There are several factors we considered to choose the best companies. First, we chose companies that have a long track record. The companies in this list have at least 10 years of experience. They have had thousands of clients and have done millions of removals.

Then we considered the inclusions in the services. Credit repair companies should generally offer:

  • Dispute letters to the credit bureaus
  • Credit report analysis
  • Creditor interventions
  • Credit monitoring features
  • Professional consultations

Do you think the "aggression" level of a credit repair company impacts its effectiveness?

Next, we took note of the plans and fees they offer. Credit repair companies can cost anywhere from $60 to $150 per month. Other fees we took note of include:

  • Initial working fees
  • Cancellation fees
  • Additional charges for pulling up your credit
  • Charges for declined payments
  • App or software costs
  • Discounts and promos

Lastly and most importantly, we considered what people talked about regarding their experience with these companies. We reviewed platforms like Google Reviews, Consumer Affairs, and Better Business Bureau. After all, there's no better proof of great service than word-of-mouth.


Aggressive credit repair companies may not be suitable for everyone. Although they have solid reputations and experience in improving credit, they do tend to have hefty price tags.

If you only have a few negative items, it may be better to look for other means to improve your credit. You may consider credit builder loans or credit builder apps as more affordable options.

That said, with the right budget and type of services, these companies can really help you out in bettering your credit score.


  1. ^ Credit Saint. Packages, Retrieved 7/2/2023
  2. ^ Credit Saint. Google Reviews, Retrieved 9/25/23
  3. ^ Better Business Bureau. Credit Saint, Retrieved 06/29/2023
  4. ^ Sky Blue Credit. Member Pricing, Retrieved 7/2/2023
  5. ^ Sky Blue Credit. Google Reviews, Retrieved 9/25/23
  6. ^ Consumer Affairs. Sky Blue Credit Repair, Retrieved 9/25/23
  7. ^ Better Business Bureau. Sky Blue Credit, Retrieved 06/29/2023
  8. ^ Sky Blue Credit Customer Service, Retrieved 9/25/23
  9. ^ The Credit Pros. How Much Does It Cost, Retrieved 7/2/2023
  10. ^ The Credit Pros. Google Reviews, Retrieved 9/25/23
  11. ^ Trustpilot. The Credit Pros, Retrieved 9/25/23
  12. ^ What is FICO, Retrieved 9/25/23
  13. ^ Better Business Bureau. The Credit Pros, Retrieved 06/29/2023
  14. ^ NACSO. The Credit Pros, Retrieved 06/29/2023
  15. ^ NACSO. About us, Retrieved 9/25/23
  16. ^ Federal Trade Commission. FTC Shuts Down Credit Repair Pyramid Scheme. Retrieved 06/22/2023.

Write to Alex Mambaje at feedback@creditdonkey.com. Follow us on Twitter and Facebook for our latest posts.

Note: This website is made possible through financial relationships with some of the products and services mentioned on this site. We may receive compensation if you shop through links in our content. You do not have to use our links, but you help support CreditDonkey if you do.

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