Credit repair companies charge $80-130/month to send dispute letters to credit bureaus. You can send the exact same letters yourself for free. Here's how to cancel and DIY your credit repair.
⚡ Quick Cancel: • Lexington Law: Call 1-844-346-3296 or email • CreditRepair.com: Call 1-855-255-0263 or cancel in account dashboard • Sky Blue Credit: Call 1-888-585-5789 • The Credit People: Call 1-866-382-7348 By law (Credit Repair Organizations Act), you can cancel within 3 business days for a full refund.
What Credit Repair Companies Actually Do
Pull your credit reports (you can do this free at AnnualCreditReport.com)
Identify negative items (you can read your own report)
Send dispute letters to bureaus (you can mail these yourself)
Follow up on disputes (bureaus must respond within 30 days regardless)
Send more dispute letters (repeat step 3)
That's it. There's no secret method, no special access, no legal leverage that a paid company has that you don't.
The Cost of Paid Credit Repair
Lexington Law: $89.95-129.95/month (FTC sued them in 2019)
CreditRepair.com: $69.95-119.95/month
Sky Blue Credit: $79/month
Average timeline: 3-6 months = $240-780 total
DIY credit repair: $0 (plus a few stamps if mailing letters)
DIY Credit Repair: Step-by-Step (Free)
Step 1: Get your reports Visit AnnualCreditReport.com — free weekly reports from all 3 bureaus.
Step 2: Identify errors Look for: wrong balances, accounts that aren't yours, late payments you made on time, duplicate entries, closed accounts showing open, wrong credit limits.
Step 3: Dispute online or by mail • Experian: experian.com/disputes • Equifax: equifax.com/personal/credit-report-services/credit-dispute • TransUnion: transunion.com/credit-disputes • Or mail a letter: "I am disputing [item] on my credit report because [reason]. Please investigate and correct."
Step 4: Wait 30 days Bureaus must investigate within 30 days by law. If they can't verify, they must remove it.
Step 5: Follow up If the dispute is rejected and you have evidence, escalate with documentation. File a CFPB complaint at consumerfinance.gov if the bureau is unresponsive.
What Credit Repair CAN'T Do
Remove accurate negative information: If you were genuinely late on payments, that's staying for 7 years. No company can legally remove accurate data.
Create a "new credit identity": This is illegal (credit privacy number scams)
Guarantee specific score increases: If a company promises "100+ point increase," that's a red flag
Speed up the process: Bureaus have the same 30-day investigation timeline regardless of who files the dispute
What Actually Improves Your Credit Score
Pay bills on time (35% of score): Set up autopay for minimums on everything
Reduce credit utilization (30%): Keep balances below 30% of credit limits (below 10% for best scores)
Don't close old accounts (15%): Age of accounts matters — keep old cards open even if unused
Limit new applications (10%): Each hard inquiry drops your score 5-10 points temporarily
Become an authorized user: Ask a family member with excellent credit to add you to an old card
Dispute genuine errors: The free DIY process above
📊 Find More Subscriptions to Cancel Upload your bank statement to JustCancel — we'll find every recurring charge including credit repair services you can replace for free.