Updated October 17, 2026 · SumCue Editorial Team
Top credit repair services compared in Japan
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| Order | Provider | Score | Key facts | Actions |
|---|---|---|---|---|
| 1 |  Credit Repair MagicTop pickPartner Credit Repair Magic is an online credit repair program at creditrepairmagic.com. | 9.5/10 |
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| 2 |  CreditFirm.netPartner CreditFirm.net provides credit report repair services, described as legal credit report and score improvement services. Pricing is listed at 49.99 dollars per month, and the firm states it has been established since 1997. | 9.0/10 |
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| 3 |  CreditLadderPartner CreditLadder is a UK rent reporting service that lets tenants report rent payments to credit reference agencies to build a positive credit history. | 8.8/10 |
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| 4 |  Scorector PLPartner Scorector helps people in Poland build a positive credit history in BIK to improve their credit rating. | 8.0/10 |
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| 5 |  AvaPartner Credit building app with a credit builder card, a savings-based credit building loan and rent and utility payment reporting, for a monthly fee. | 8.0/10 |
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| 6 |  KovoPartner US credit builder that reports to all four credit bureaus, with no credit check and instant decisions. | 8.0/10 |
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| 7 |  Budget BaePartner Budget Bae offers one-time, structured credit and financial education services, including a credit review, with no monthly fees. | 8.0/10 |
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