When bad credit interferes with your goals, you can work with a credit repair company to remove inaccurate information and clean up your credit. The best credit repair companies work directly with the credit bureaus on your behalf to identify inaccuracies, dispute mistakes and get you on the path to a Good to Excellent credit rating. Our top rated company, Lexington Law, has been in the credit repair business since almost the inception of credit repair.
If you’re ready to put bad credit behind you and move forward with your life, contact a reputable credit repair company. Use the following review guide to find our recommendations for credit repair companies of 2022.
Our Top Picks of the Best Credit Repair Companies:
- Lexington Law: Most Reputable Credit Repair Company in Pennsylvania
- Credit Saint: Best Overall Credit Repair Company in Pennsylvania
- The Credit Pros: Most Comprehensive Credit Repair Offerings in Pa
- The Credit People: The Best Track Record of Fixing Bad Credit in Pa
- Sky Blue Credit: Best Pricing Structure for Credit Repair Services in Pa
- Ovation: Best Value Credit Repair Company in Pennsylvania
- CreditRepair.com: Best Personalized Credit Repair Service in Pa
1. Lexington Law – Most Reputable Credit Repair Company in Pennsylvania
Lexington Law Pennsylvania Credit Repair Pros
- Long history of success
- Employs attorneys and paralegals
- Easy-to-use app
- Contract not required
Lexington Law Pennsylvania Credit Repair Cons
- No money-back guarantee
- Financial management tools only available with higher-tier plans
- Credit monitoring only available with select plans
Lexington Law is one of the oldest names in the credit repair industry, with more than two decades of experience under its belt. As of 2020, it boasts the removal of over 7 million items from peoples’ credit reports.
Lexington Law Pennsylvania Credit Improvement Plans: 4.1/5
Lexington Law offers three robust plans: Concord Standard, Concord Premier and Premier Plus. Compared to other low-tier offerings on this list, the Concord Standard is lackluster. On this plan, you get creditor interventions and bureau challenges but few other services.
The Concord Premier is slightly better. It offers the basic services of the Concord Standard, plus credit monitoring, Transunion alerts, hard inquiry removal and credit score analysis.
The Premier Plus is where Lexington Law really shines. The most robust package, the Premier Plus comes with everything included in the other two and a FICO score tracker, cease-and-desist letters, lost wallet protection and a suite of personal financial tools. Though this package is the company’s most enticing one, some of the services it includes are ones that many other credit repair companies offer on a complimentary basis.
Pricing for Lexington Law Credit Repair Services in Philadelphia, Pittsburgh, Allentown, and More: 3.5/5
Lexington Law’s pricing is neither cheap nor expensive. Plans range from $89.95 to $129.95 per month. While the pricing is standard when compared with that of other companies, its offerings do not compare. Moreover, the firm charges a setup fee equivalent to the monthly fee.
Lexington Law Onboarding Process in Philadelphia, Pittsburgh, Allentown, and More: 4.7/5
Lexington Law is committed to helping consumers repair their credit the right way. Though it allows consumers to onboard themselves via an online order form, it offers a setup and discovery stage in which an attorney or paralegal reviews your report, identifies questionable items, and then makes a recommendation.
Guarantee for Lexington Law Pa Credit Improvement Services: 3.5/5g
Lexington Law does not offer a satisfaction guarantee.
Additional Services Provided by Lexington Law in Pennsylvania: 4.8/5
Lexington Law utilizes a powerful mobile app that ranks highly in the app store. With it, consumers can access their personalized counseling plans, dispute updates and score analyses 24/7. Though its actual plan offerings are ho-hum, the database is extensive and can prove to be an invaluable resource among the best credit repair companies.
Find out what Lexington Law can do for you.
2. Credit Saint – Best Overall Credit Repair Company in Pennsylvania
Credit Saint Pennsylvania Credit Repair Pros
- Straightforward 3-step process
- Simple pricing structures
- Comprehensive credit repair services
- 90-day money-back guarantee
- Access to a personal advisory team
Credit Saint Pennsylvania Credit Repair Cons
- First work fees
- Not widely available
Credit Saint has a 10-year history backed by an A+ Better Business Bureau rating and positive reviews from tens of thousands of happy customers. It offers three levels of service for all budgets, each varying in terms of aggressiveness. In addition to its long-standing and strong reputation, Credit Saint has an excellent 90-day money-back guarantee.
Credit Saint Pennsylvania Credit Improvement Plans: 4.8/5
Credit Saint offers three credit repair plans: Credit Polish, Credit Remodel and Clean Slate. Credit Polish is the most basic package. With it, Credit Saint will dispute up to five inaccuracies a month across all three bureaus. With Credit Remodel, consumers get up to 10 disputes per month.
On the Clean Slate program, consumers get unlimited disputes each month. Both Remodel and Clean Slate also offer Experian Monitoring. All packages come with Goodwill Intention Letters to creditors.
Pricing for Credit Saint Repair Services in Philadelphia, Pittsburgh, Allentown, and More: 4.7/5
Credit Saint’s pricing is both fair and transparent. The basic package is $79.99 per month. Credit Remodel costs $99.99 per month, while Clean Slate runs $119.99 per month.
Though a straightforward pricing structure, Credit Saint does charge an initial work fee. This fee is higher than the monthly fee across all pricing structures, at $99 for both Credit Polish and Credit Remodel and $195 for Clean Slate.
Credit Saint Onboarding Process in Philadelphia, Pittsburgh, Allentown, and More: 4.9/5
The best credit repair companies offer a free initial consultation that includes, at the very least, a free credit report and a review of it. Credit Saint offers this and then some.
Part of the onboarding process with Credit Saint involves a consultation in which your personal advisory team reviews with you the specific details of your credit history and identifies the items causing the most damage to your credit. The team explains how you can improve your credit by paying down bills and opening or closing credit lines. You do not pay anything for this initial service until and unless you decide to move forward with the credit repair process.
Guarantee for Credit Saint Pa Credit Improvement Services: 4.9/5
Credit Saint offers a 90-day month money-back guarantee. If you do not see any — or enough — deletions within the first 90 days, the company will refund you the full amount you paid.
Additional Services Provided by Credit Saint in Pennsylvania: 4.9/5
Credit Saint does more than just review your credit report for inaccuracies and make disputes. It offers basic credit counseling to ensure you do your part to optimize its services and delivers progress reports at the end of each billing cycle.
Start repairing your credit with Credit Saint.
3. The Credit Pros – The Most Comprehensive Credit Repair Offerings in Pa
The Credit Pros Pennsylvania Credit Repair Pros
- Access to financial services
- 90-day money-back guarantee
- Work with certified FICO professionals
- Unlimited dispute letters
The Credit Pros Pennsylvania Credit Repair Cons
- High first work fees
- Lackluster basic repair package
The Credit Pros is known for its credit repair services, but it does more than just identify and dispute inaccuracies — it helps consumers improve all areas of their finances. Regardless of the package you choose, you get access to bill reminders, identity monitoring, medication discounts, budgeting software and more.
Credit Pros Pennsylvania Credit Improvement Plans: 4.7/5
The Credit Pros offers three credit repair packages: Money Management, Prosperity Package and Success Package.
The Money Management plan is the most basic and comes with Transunion credit monitoring, dark web monitoring and CashRules finance management. It is one of the most affordable credit repair packages on the market. However, you only get one dispute with Transunion per month.
The Prosperity Package includes everything that Money Management offers, plus credit repair across all three bureaus. It also comes with goodwill letters to creditors, unlimited dispute letters, debt validation letters, cease and desist letters, and a personalized action plan created by a Certified FICO professional.
The Success Package comes with all of the above plus a $1,500 line of credit, which helps to instantly boost your credit.
Pricing for The Credit Pros Repair Services in Philadelphia, Pittsburgh, Allentown, and More: 4.2/5
When it comes to basic credit repair packages, The Credit Pros offer one of the cheapest available, at $69 per month. The Prosperity Package is $119 per month, while the Success Plan runs $149 per month. However, its first work fees are costly, ranging from $119 to $149.
The Credit Pros Onboarding Process in Philadelphia, Pittsburgh, Allentown, and More: 4.3/5
The Credit Pros begins each relationship with a free initial consultation in which it reviews consumers’ credit histories to identify inaccuracies and negative items. This consultation is available in both English and Spanish.
Guarantee for Credit Pros Pa Credit Improvement Services: 4.9/5
The Credit Pros offers a 90-day money-back guarantee, confident in its services as one of the best credit repair companies. You can cancel your services at any time without consequences.
Additional Services Provided by the Credit Pros in Pennsylvania: 4.8/5
Perhaps the greatest factor that sets The Credit Pros apart from other credit repair companies is its CashRules finance management offering. Regardless of the package you choose, your advisors advise you on what you need to do to improve your credit score and your financial standing. The company is also the only one in the industry to employ accredited FICO agents and utilize AI-driven credit repair technology.
See what the Credit Pros can do for you.
4. The Credit People – The Best Track Record of Fixing Bad Credit in Pa
The Credit People Pennsylvania Credit Repair Pros
- Pay-as-you-go and flat-rate payment structures
- Satisfaction guarantee
- 24/7 online access
- Access to reports and scores
The Credit People Pennsylvania Credit Repair Cons
- No additional services
- No financial management tools
Having been in business for over 15 years, The Credit People has extensive experience and an impressive track record of success. Though credit repair companies cannot promise results, The Credit People estimates that it can improve credit scores by anywhere from 53 to 187 points. It has also successfully removed nearly 1.5 million negative items from consumers’ reports since 2004.
The Credit People Pennsylvania Credit Improvement Plans: 4.7/5
The Credit People offers two no-fuss, affordable credit repair plans that are the same in terms of offerings. The only difference is when you pay: either on a monthly or biannual basis. With both plans, you get access to your monthly credit reports and scores, unlimited disputes, 24/7 online account access, debt inquiry and validation, and creditor communication.
Pricing for the Credit People Repair Services in Philadelphia, Pittsburgh, Allentown, and More: 4.8/5
If you enroll in the monthly plan, you pay a $19 setup fee and then $79 for each month you utilize the services. If you enroll in the six-month plan, you pay a flat rate of $419. There is no setup fee with the flat-rate plan.
The Credit People Onboarding Process in Philadelphia, Pittsburgh, Allentown, and More: 3.5/5
There is little unique about the onboarding process. It begins with a free consultation, which takes place via phone call and only includes a review of your credit reports and history.
Guarantee for Credit People Pa Credit Improvement Services: 5/5
The Credit People offers one of the best guarantees in the industry. If you’re not happy with its services, it will not charge you for that month. It also promises results within 60 days, though warns that the best results occur after six months. If you choose the flat-rate plan and are not satisfied at the end of the six months, the company will refund you in full. You can also cancel your plan at any time.
Additional Services Provided by the Credit People in Pennsylvania: 3.5/5
The Credit People is strictly a credit repair company. It does not offer financial management tools or ongoing credit monitoring.
Start getting your finances in order with the Credit People.
5. Sky Blue Credit – Best Pricing Structure for Credit Repair Services in Pa
Sky Blue Pennsylvania Credit Repair Pros
- Fixed, transparent pricing
- Half-price for spouses
- Easy online onboarding
- No tiered services
Sky Blue Pennsylvania Credit Repair Cons
- Few additional services
- Limited monthly disputes
- No financial tools
If simplicity is what you seek in a credit repair company, Sky Blue Credit is for you. This company foregoes all the bells and whistles in favor of a single, transparent offering at one low monthly cost. It does not require a contract, and you can cancel or pause services at any time.
Sky Blue Pennsylvania Credit Improvement Plans: 4.5/5
Sky Blue Credit’s single plan comes with many of the same services that the other best credit repair companies include in their mid- to top-level packages, such as goodwill letters, cease and desist letters and debt validation. The plan also includes credit monitoring and reports and score assistance. The company disputes 15 items — five across the three bureaus — every 35 days, which is a great value compared to many other companies on this list.
Pricing for Sky Blue Credit Repair Services in Philadelphia, Pittsburgh, Allentown, and More: 4.9/5
Sky Blue Credit charges a $79 set-up fee. From there, you pay $79 per month, regardless of the extent of services you need. It does not charge a first-work fee or a monthly fee for the first six days. If you and your spouse both require credit repair, one of you can enjoy 50% off both your monthly fees and your initial setup fees. You can pause or cancel your plan at any time without being charged.
Sky Blue Credit Onboarding Process in Philadelphia, Pittsburgh, Allentown, and More: 4.3/5
As part of the onboarding process, Sky Blue Credit allows you a six-day free trial run. After the first six days, you are charged the $79 set-up fee. Only after the first month lapses does Sky Blue Credit charge you for the first month. You can easily enroll online.
Guarantee for Sky Blue Pa Credit Improvement Services: 4.9/5
Sky Blue Credit offers a 90-day guarantee. If you are dissatisfied with the level of service that you received at any period during the first 90 days, you can receive all or part of your money back.
Additional Services Provided by Sky Blue Credit in Pennsylvania: 3.7/5
Sky Blue Credit does not offer financial management tools or tailored guidance for how you can improve your credit. The company does, however, deliver generic score optimization tips with each review of your report. You can also request mortgage preparation help.
Don’t wait another minute. Sign up with Sky Blue now.
6. Ovation – Best Value Credit Repair Company in Pennsylvania
Ovation Pennsylvania Credit Repair Pros
- A LendingTree company
- Multiple discounts
- Financial management tools
- Free cancellation at any time
Ovation Pennsylvania Credit Repair Cons
- High first-work fee
- Phone-only application
- Credit monitoring only available with select plans
- No money-back guarantee
Ovation is a LendingTree company, which means it is backed by a solid reputation. It stands out for its price and plan transparency and its discounts, which include a 10% senior discount, a 10% military discount and a 20% couples’ discount. It also offers a $50 credit to consumers who switch from another credit repair company to Ovation and a Refer a Friend credit. It offers only what you need to repair and rebuild your credit and none of the nonessentials that other credit repair companies use to beef up their offerings.
Ovation Pennsylvania Credit Improvement Plans: 4.6/5
Ovation offers two plans, the Essentials Plan and the Essentials Plus. The Essentials Plan comes with personalized dispute options, meaning you can identify and dispute as many inaccuracies, mistakes and negative marks you want on your own. Your team will guide you through the entire process and identify additional ways you can improve your credit. You also have access to the company’s suite of financial management tools, which include tools for budgeting and paying down debt.
The Essentials Plus plan comes with the same offerings as the Essentials Plan, plus an unlimited number of goodwill and dispute letters. You also receive credit monitoring through Transunion and official letters of recommendation from Ovation to future lenders.
Pricing for Ovation Credit Repair Services in Philadelphia, Pittsburgh, Allentown, and More: 4.3/5
At $79 per month and $109 per month, Ovation’s pricing is fair for what it offers. Though each plan’s offerings seem minimal when compared to those of competitors, the truth is that they include everything you need to repair and rebuild your credit. The company does charge a setup fee of $89, regardless of which plan you choose. However, when you apply discounts, Ovation may end up being one of the cheaper credit repair options.
Ovation Onboarding Process in Philadelphia, Pittsburgh, Allentown, and More: 3.5/5
Ovation’s onboarding process is not great. You cannot sign up online or via an app. Rather, you must apply over the phone.
Guarantee for Ovation Pa Credit Improvement Services: 4.0/5
Though Ovation does not provide a satisfaction guarantee, it does allow customers to cancel their services at any given time. Additionally, if a customer feels that Ovation failed to meet its end of the deal, it will issue a refund for the month in question.
Additional Services Provided by Ovation in Pennsylvania: 4.2/5
In addition to making financial management tools available with each plan, Ovation boasts an expansive Education Center that provides information on everything you need to get into a better financial situation.
Contact Ovation now.
7. CreditRepair.com – Best Personalized Credit Repair Service in Pa
CreditRepair.com Pennsylvania Pros
- Personalized credit repair plan
- Easy-to-use mobile app
- 3 robust plans
- Credit rebuilding plan
CreditRepair.com Pennsylvania Cons
- Pay for first credit pull
- No money-back guarantee
- Lack of price transparency on website
Since its inception in 2012, CreditRepair.com has helped obtain over 7.5 million removals on behalf of clients. Of all the best credit repair companies on this list, it offers some of the most personalized services.
CreditRepair.com Pennsylvania Credit Improvement Plans: 4.5/5
CreditRepair.com offers three distinct credit repair packages: Direct, Standard and Advanced. As with Ovation’s plans, these packages come with only the services you need to repair and rebuild your credit. The Direct plan is the cheapest and comes with quarterly FICO scores, up to three creditor disputes and 15 negative item disputes per month, credit report change alerts, and customer support. This plan is ideal for individuals with few negative items on their reports.
The Standard plan offers everything the Direct plan offers, plus hard inquiry disputes, quarterly credit report analysis, 24/7 credit monitoring, and cease and desist letters.
The Advanced plan is the most comprehensive, with 19 negative item disputes and six creditor disputes per month. You also enjoy up to $1 million in identity theft insurance, ID theft protection, monthly FICO scores and access to a suite of personal financial tools.
Pricing for CreditRepair.com Services in Philadelphia, Pittsburgh, Allentown, and More: 3.3/5
The website offers zero transparency in terms of pricing, with no confirmation on whether CreditRepair.com charges a setup fee or not. According to reports, the Direct plan is $69.95 per month, the Standard plan is $99.95 per month, and the Advanced plan is $119.95 per month.
Some sites claim the setup fee for CreditRepair.com’s services starts at $69.95. Others say that in lieu of a setup fee, the provider charges $14.95 for the first credit pull.
Credit Repair.com Onboarding Process in Philadelphia, Pittsburgh, Allentown, and More: 4.7/5
After receiving your information, which you input online or via the CreditRepair.com app, a member of the company pulls your credit report and analyzes it for inaccurate, invalid, misleading and negative items. From there, the agent builds a personalized plan based on your situation and develops a strategy for rebuilding positive credit. He or she also recommends which plan suits your circumstances. The onboarding process is free until you select a plan.
Guarantee for Credit Repair.com Pa Credit Improvement Services: 3.5/5
CreditRepair.com does not offer any type of guarantee.
Additional Services Provided By CreditRepair.com in Pennsylvania: 4.2/5
CreditRepair.com offers an impressive mobile app in which users can track their credit repair progress. It also boasts a massive library of educational tools.
Start your new future with CreditRepair.com today.
What To Look for in the Best Credit Repair Companies in Pennsylvania
When selecting and ranking the credit repair companies on this list, we considered all the things you should consider when deciding which credit repair company to work with. Those include the reputation of the provider, the cost of its services and what services you will receive. The company you decide to work with should offer a free initial consultation, at a minimum.
Several factors influenced how we chose and scored the credit repair companies on this list:
- Price and plan transparency
- The comprehensiveness of dispute offerings
- Setup fee
- Whether they offer credit monitoring
- What, if any, additional services they provide
We also considered the level of personalization each company brings to the table.
Pennsylvania Credit Repair FAQ
What is the difference between credit repair and credit counseling in Pennsylvania?
Credit counseling is a form of debt relief designed to help people quickly repay their debt by negotiating with creditors for reduced interest rates. Credit repair helps to correct errors on credit reports by filing disputes with bureaus and reporting agencies.
Should you use a credit repair company in Pennsylvania?
Credit repair is not for everyone. If you have a few items to dispute, you can probably do it on your own. However, if your report is riddled with negative items, it may not hurt to, at the very least, consult with a credit repair company. If the company believes it can successfully dispute negative items, it may be worthwhile to pay for its services — especially if there is a satisfaction guarantee.
How much can your score increase with credit repair in Pa?
Even the best credit repair companies cannot promise results. However, many boast average increases on their websites. For example, The Credit People estimates that it has improved the average client’s score by between 53 and 187 points.
How long does the credit repair process take in Pa?
The credit repair process differs for everyone, and the length of time depends largely on the number of negative items on your report. However, most companies ask that you give them between three to six months to start seeing results.
How much do the best credit repair companies charge in Pa?
Credit repair companies offer varying levels of service at varying price points. $69 appears to be the lowest price available in 2022, while $149 is the highest. Prices may and often do change.
How do I choose the best Pennsylvania credit repair company for me?
When choosing a credit repair company with which to work, consider several factors. Look at the reputation of the provider, the level of services offered, the price of services and the transparency of the offerings.
Summary of Our Top 3 Picks in Philadelphia, Pittsburgh, Allentown, and More
- 3 plans that offer substantial value
- Credit counseling, online score tracking, Experian monitoring and monthly progress reports
- 90-day money-back guarantee
- 3 plans, two with substantial value and one that is lackluster
- Access to bill reminders, identity monitoring, medication discounts, budgeting software, complimentary credit counseling
- 90-day money-back guarantee
- A single low-cost plan providing many of the same services other companies include in their mid- to top-tier packages
- Free 6-day trial period and 50% off one party when you enroll as a couple; ability to pause or cancel services whenever you want
- 90-day money-back guarantee
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