Having negative items on your credit reports can make it a real challenge when it comes to buying a home, car, or getting any type of loan. A low credit score can result in your loan application being denied or it can cause you to pay higher interest rates than normal. Even if your bad credit is a result of errors on your credit report that aren’t your fault, trying to fix the problem by yourself can be extremely difficult and frustrating. That’s where credit repair companies come into the picture. A credit repair service is a company that works on your behalf to remove negative items from your credit report such as late payments, liens, charge-offs, debt collections, bankruptcies, and more. However, not all credit repair companies are created equal. Each company has its own pricing structure and unique methods for repairing your credit score. We’ve reviewed 17 different credit repair services to figure out which ones are effective, reliable, and provide the best value. Below you’ll find our top picks for the best credit repair companies of 2021. Top 8 Best Credit Repair Companies of 2021 Credit Monkey: Best Company Overall Lexington Law: Most Experienced Sky Blue Credit Repair: Best Value CreditRepair.com: Best Credit Repair App The Credit Pros: Best for Fast Credit Repair The Credit People: Best Guarantee Ovation Credit Services: Best Customer Service CreditVana: Easy Download From App Store Easy Credit Monkey: Best Company Overall Credit Monkey is a credit repair service that can instantly boost your credit score once you sign up. They have special software that goes over every item on your credit report and disputes any negative items with Experian, Equifax and Transunion. These are the three major credit reporting bureaus that generate your credit report. It’s important to find a service that will work with all three companies to make sure that your credit reports match. You could always try to do this by yourself, but we recommend you leave it to the experts. This is especially true if you have many items on your report that need to be removed!