May 10, 2018 Review

Simple. Thrifty. Living. is one of the most widely-used credit repair companies and is best for those who want a hands-on approach to credit repair. It offers a wide range of credit repair services and includes many extras that most other credit repair companies don’t offer. It also offers an intuitive user interface that helps you track your progress, which is a nice feature. Review website Review image
  • Signing up: It can be easier to call at (844) 764-9863 so they can walk you through the steps of signing up, or you can sign up on the website here.
  • Known for: Popularity. is one of the most popular credit repair companies, partly because of its name, but also because it includes so many extras like identity theft.
  • Price: only has one tier of service, at $99.95, which includes all of their bells and whistles.
  • Features: offers the basics of credit repair, including good faith letters, fixing mistakes on your report and using loopholes to contest items on your report. It also communicates directly with credit card issuers and the credit bureaus to make sure changes have been made. In addition, they will monitor your credit and offer a sleek user interface to help you track your progress.
  • Cancellation:’s services are month-to-month, so you can cancel at any time.
  • Reputation: comes with a solid reputation and an A+ rating from the Better Business Bureau.
  • Guarantee: Just like Lexington Law, will only charge you for the month once they have completed the work you agreed upon.
  • Customer service: has a sleek user interface, which makes the need for customer service less, but their customer service is still solid.

Simple. Thrifty. Living. does receive compensation for some of the services that we recommend, although we have strict editorial guidelines and only recommend services that we truly believe are the best. website  |  (844) 764-9863

A personalized dashboard and visual representation of your credit score helps you develop a game plan for fixing your credit. helps manage the dispute resolution process to remove negative items from your credit report. On average, they report a seven-percent decrease in the number of questionable negative items for their clients each month. gives you a great online dashboard to track your progress, which is a unique feature that many credit repair companies do not offer.

Price: is $99.95 per month with no contracts or commitments. If you sign up with another person, you can both save $50 on the first month.

BBB Rating: A+

Guarantee: offers a guarantee if they don’t complete the work that you agreed upon, but does not offer your money back if you are not satisfied. works similarly to other credit repair companies. You fill out an application online (or have a phone operator help you through the process) and submit it. Then will pull your credit report for you, and a representative will reach out to you and go over your report so you both can discuss the areas that need improvement. will then try to have negative items removed from your report. It goes about this by doing one or more of the following: negotiate with your lenders, dispute the items, fix any errors or go after any legal loopholes within credit repair law. This process is repeated every month until you are satisfied.

In addition, you will be introduced to’s user interface, which includes a score tracker and analysis of how your score is doing. You also get the mobile app which will help you track your score as well.

You also get monthly credit report monitoring services, as well as identity theft protection services, to keep your personal information protected. You also will get tools and tricks on how to keep your credit score healthy yourself.

Since it offers limited package options and has a high price tag, isn’t the right fit for everyone, but most reviews of the service are actually pretty positive. has amassed the same negative reviews that most credit repair companies have, mostly centered around timing and no significant rise in credit score. As we’ve explained in other reviews, credit repair companies cannot dispute all of your negative items at once without getting flack from the credit bureaus. And there is absolutely no guarantee of a credit score rise with any credit repair service. Everyone’s credit report history is different, and if the normal credit repair tactics don’t work on your lenders or the credit bureaus, you may not see an increase in your score.

There are negative reviews that are related to how the business operates as opposed to credit repair laws, and those seem legitimate, but they are few and far between. The best advice is to go into any credit repair experience with eyes open and cancel any time you feel like you might not be getting the best service.

If you want a hands-on credit repair experience, then is the right fit for you. Many people want to hire a credit repair company, have them fix the issues and not have to worry about it. Others like to be involved in the process. If that is you, is the best choice. With its user-friendly interface, score tracker and analysis, and mobile app, you get a transparent look at what is happening and how your score is doing in real time. is obviously more expensive than many other credit repair services, so if you aren’t willing to shell out about around $100 a month, you might have to look for a different credit repair service. already monitors your score, but being able to monitor your credit reports as well is helpful in seeing what is being removed or changed on each report. And identity theft protection is always a good thing to have, so if you already are leaning toward, it’s a nice extra bonus to have.

Like most other reputable credit repair services, is not a quick fix for your credit score. Its main focus is to improve your score the right way, which can take time. If your main focus is fixing your score properly, and you want to be involved in the process, is your first choice.

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Advertising Disclaimer: Simple. Thrifty. Living. does receive compensation for some of the services that we recommend, although we only recommend services that we truly believe are the best.