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credit bureaus and can't help build your credit history. Protect against fraud: Only apply for credit with established banks and credit card companies, not. According to our data, some of the best credit repair companies include Credit Saint, The Credit Pros, Sky Blue Credit Repair, MSI Credit Solutions and The. A credit repair company works on your behalf to remove this information by communicating with the credit bureaus (Experian, Equifax and TransUnion) and/or. Credit scores are determined independently by credit reference agencies, considering various financial factors. BuildMyCreditScore reports to TransUnion. The best credit-builder loans come from Republic Bank, which puts the funds for your credit-builder loan into an interest-bearing account. This helps reduce the.