CreditRepair.com 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.
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.
CreditRepair.com website | (844) 764-9863
To help repair your credit and support your efforts to maintain credit worthiness, CreditRepair.com offers repair, analysis and monitoring services for a recurring fee.
You can sign up for their services on the phone via their toll-free number or online through their website. CreditRepair.com charges a one-time $14.99 fee to pull your credit reports. The re-occurring monthly service fee is $99.95. In compliance with credit laws, there is no contract. You may cancel at any time.
Credit Repair – This is part one and two of their three-step process, where they pull your credit reports and contact credit companies and the credit bureaus, as required, to challenge unfair and inaccurate negative items and seek removal from your credit reports.
Credit Monitoring – CreditRepair.com doesn’t detail what this service entails on their website. They simply list 24/7 Credit Monitoring & Alerts as part of the services and tools they provide. They state that it’s powered by TransUnion. So, it’s likely that you will receive alerts when TransUnion reports any changes to your credit report. This means you won’t be notified if Experian and/or Equifax makes a change to their credit reports that are tracking your financial activity.
Education – The CreditRepair.com website contains an extensive library of articles and blogs that discuss credit related topics – like debt solutions, identity theft, credit improvement, loans and savings. They also provide a score estimator calculator. This content is accessible to non-members.
The following tools and features are listed on the CreditRepair.com website for members:
CreditRepair.com advisors are available to customers by email and phone. Phone hours for members are 8 am through 10 pm EST, Monday through Friday. Saturdays, you can call to speak with an advisor between 10 am and 7 pm EST and they’re closed on Sundays.
CreditRepair.com doesn’t offer a guarantee of services or refund policy for unhappy customers. They make no promises of results or services. On their website, they claim that this is representative of best practices and high ethical standards.
CreditRepair.com makes no guarantees, but they do boast about their track record. Their website touts an average 40-point credit score increase on TransUnion over a four-month period. This is in reference to a 2013 study that showed an average of 11.6 negative item removals from all three credit bureau reports. The website also cites a study that revealed an average improvement of 70 points on TransUnion credit reports among CreditRepair.com members over a one-year period.
This company touts a simple three-step process to remove inaccurate and unverifiable negative items from a consumer’s credit reports.
It’s no surprise that the reviews CreditRepair.com chooses to display on their website are positive and glowing. But, to get a less biased picture of how their customers feel about their services, it’s necessary to read reviews spread across the internet.
There are a limited number of reviews to be found for CreditRepair.com online, and on an interesting note, there appear to be no Google or Yelp reviews on this company. Regarding the reviews that are available, they’re a mixed bag. The company enjoys their fair share of raves, but cancellation problems and customer services issues are noted throughout, as well.
Expectations may be a key component of how customers feel about CreditRepair.com’s services. There appears to be a perception among many users that the company should be delivering better results and more service for the $99.95 monthly rate they charge. For the consumers whose credit ratings are improved after signing up with CreditRepair.com, they generally express satisfaction with the service. But even among those satisfied customers, price is noted as a potential issue.
Despite its name, the focus of CreditRepair.com is on more than fixing their clients’ current credit. It appears that they strive to take a more holistic approach that encourages their customers to learn how to maintain good credit by changing their behavior and adopting good financial habits. With that focus in mind, the company’s additional features may be beneficial for consumers.
To determine whether CreditRepair.com is the right choice for your situation, you must first identify what you are looking for in a credit repair company, the most important features. and how much you are willing to pay. If you simply need a company to challenge negative credit items for you at an affordable price, there are less expensive options available to you. But if you want more from your credit repair service and you’re willing to pay a premium for extra services, it may be worth your time to explore what CreditRepair.com offers.
Good credit is a necessity for any consumer. It’s required to finance large investments, like a home, vehicle or a small business loan. And most people need different types of credit — such as installment loans, credit cards, and lines of credit — for other expenditures, as well.
Even when you’re not applying for direct credit, many companies check your credit report when you apply for their services. This is the case for car and home owner’s insurance and impacts the rates they charge you. Even utility, internet and cable companies look at your credit worthiness when you sign up for their services. Many prospective employers look at an applicant’s credit background when making a hiring determination. Your credit rating has the potential to impact virtually every aspect of your life.
With the importance of establishing credit worthiness, many consumers find it necessary to turn to professional credit repair service providers to help them improve their ratings. Consumer credit laws require creditors and collection agencies to abide by numerous rules and regulations that impact your credit. This is what credit repair companies rely upon to help their customers.
Consumers can also interact directly with their creditors, debt collectors and credit bureaus to help clean up their credit, but most have neither the time nor the knowledge to do so effectively on their own. This is why they turn to professional services, like CreditRepair.com to help them.
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