- The Good
- User-friendly interface
- Credit repair lawyers on staff
- Credit monitoring and identity theft extras
- The Bad
- More expensive than other services
- Only one package
- Minimal guarantee
CreditRepair.com is best for those who want a hands-on approach to credit repair. It only offers one option for services, which includes extras, so if you are just looking for the basics of credit repair, CreditRepair.com might not be the service for you. It does offer an intuitive user interface that helps you track your progress, which is a nice feature.
- $99.95 per month for basic service
CreditRepair.com only offers one tier of credit repair that costs $99.95 a month, which is pricey for credit repair services, but they do offer a lot of bells and whistles to go along with the hefty price. They also don’t charge an initial fee like many credit repair services.
- Fixing credit report mistakes
- Negotiating with lenders
- Exploring legal loopholes
- Good-faith letters to lenders
- Score tracker and analysis
- Mobile app
- Credit report monitoring
- Identity theft protection
CreditRepair.com offers all the basics of credit repair, including good-faith letters and fixing errors in your credit report, but you also get monthly credit monitoring, a score tracker and analysis, mobile apps and text and email alerts. To give you a more hands-on experience, CreditRepair.com offers an interactive interface that helps you track your score’s progress.
- A- from the Better Business Bureau
CreditRepair.com has been in the credit repair game for about 20 years, so it knows what it’s doing when it comes to credit repair. The business also scores an A- from the Better Business Bureau, showing it is a trusted business without many complaints.
- You don’t pay until the work is completed
CreditRepair.com has a similar guarantee to Lexington Law, in that you do not have to pay until the agreed upon work is completed. This is actually a requirement enforced by the Credit Repair Organizations Act, so it’s really a must for any reputable credit repair service. Still, it is nice to know that the work is guaranteed.
CreditRepair.com: User Reviews
CreditRepair.com is an odd offering when it comes to credit repair, in that it doesn’t follow the rules of traditional credit repair companies. First, it only offers one pricing option, which isn’t unusual on its own, except the services that usually offer only one price are offering the basic rate for the basic services. CreditRepair.com, on the other hand, has a higher price point and offers a lot of extras with its service, which makes it cheaper than other high-end offerings, but more expensive than the basic services.
How Does CreditRepair.com Work?
The application process for CreditRepair.com is very similar to other credit repair services. You fill out an application online (or have a phone operator help you through the process) and submit it. Then CreditRepair.com will actually pull your credit report for you, which most other credit repair services don’t do.
After, a representative will reach out to you and go over your report so you both can discuss the areas that need improvement. Agents will then try to have those items removed from your report. Generally, they go 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 CreditRepair.com’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 information on how to keep your credit score healthy yourself.
Is CreditRepair.com Legit?
This is probably one of the biggest questions when it comes to credit repair. There are a lot of scams out there when it comes to credit repair, and even the most reputable services can be very sales driven, even if they stay within the legal guidelines.
The good news is there are legal guidelines that credit repair services must follow. According to the government’s Credit Repair Organization Act, there are rules that every credit repair agency has to follow in order to be legit. If your credit repair company doesn’t follow any of these rules, it may be a scam:
- Credit repair agencies cannot ask for payment up front without completing the work first. (This does not apply to initial payments to begin the work.)
- All contracts between you and the credit repair agency must be in writing. If anything is not in writing, don’t believe it.
- All credit repair agencies need to have an easy cancellation policy. Most legit credit repair agencies have month-to-month contracts because of this rule, so you can cancel any time.
Keep these rules in mind when choosing a credit repair service.
CreditRepair.com does adhere to all of these rules. You won’t pay anything until the agreed upon work as been completed. It will send you your contract in writing before any work is done, and you can cancel at any time.
Common CreditRepair.com Reviews
Since it offers limited package options and has a high price tag, CreditRepair.com usually isn’t at the top of anyone’s credit repair review list, especially with services like Sky Blue and Lexington Law in the field. Most reviews of the service are actually pretty positive. The reason it doesn’t usually rank well is because it offers limited options.
CreditRepair.com 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 CreditRepair.com 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.
Is CreditRepair.com Right For You?
There are a couple of questions you need to ask yourself before deciding if CreditRepair.com is right for you:
- How involved do I want to be?
- How much money do I have to spend?
- Do I need extras like credit report monitoring or identity theft?
- What am I hoping to get out of this service?
The first thing to think about is your involvement. 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, CreditRepair.com 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.
CreditRepair.com is obviously more expensive than many other credit repair services, so if you aren’t willing to shell out about $100 a month, you might have to look for a different credit repair service.
CreditRepair.com 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 CreditRepair.com, it’s a nice extra bonus to have.
Like most other reputable credit repair services, CreditRepair.com 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, CreditRepair.com is your first choice.