CreditRepair.com 2020 Review
Although they were founded in 1997, CreditRepair.com began offering their credit repair services in 2011 and has assisted hundreds of thousands of members since then.
CreditRepair.com pulls your credit reports from the three major bureaus (TransUnion, Equifax, and Experian) to identify and dispute unverifiable items such as bankruptcies, charge-offs, late payments, collections, judgments, and more.
Past CreditRepair.com clients have seen an average removal of 11.6 negative items across their three reports, as well as an average of 7% of questionable negative credit report items removed monthly. On their website, CreditRepair.com indicates that the average member remains in their program for 6 months (but that is not a guarantee, as each individual's credit profile varies).
You are also provided with a comprehensive online client portal and a free app on Android or iOS in order to track your credit improvement progress 24/7.
CreditRepair.com offers TransUnion credit monitoring, score tracking, and analysis at no additional cost to you. First-time callers to CreditRepair.com also receive a free personalized credit consultation, access to credit report summary, a free credit report audit on all accounts, and free score evaluation.
- Innovative technology: CreditRepair.com provides you with a personal online dashboard and an Android or iOS app to keep you updated on the progress of negative credit item removals in real time.
- Free 15-minute credit analysis: Simply call CreditRepair.com for a free 10-minute no-obligation personalized credit analysis to learn if your credit score can benefit from removing negative items.
- Wide range of removable items: CreditRepair.com can help you work to remove unfair and inaccurate bankruptcies, late payments, repossessions, hard inquiries, collections, judgments, and charge-offs.
- Fast and legal removals: Each case is unique, but you may see initial results in 30 to 60 days and extensive results in an average of 4 months.
- CreditRepair.com's credit restoration plans are priced slightly higher than some of their competitors ($99.95/month).
- They only provide one monthly payment option rather than a pay-per-deletion method.
- In the case that no items are removed, they do not have a money back guarantee.
CreditRepair.com Versus The Competition
CreditRepair.com charges one of the lowest setup fees in the industry -- only $14.99 to pull your credit reports. Additionally, they also provide extra services like TransUnion credit monitoring, score tracking, and analysis.
After a free consultation, CreditRepair.com charges a $14.99 setup fee and a monthly fee of $99.95. This provides unlimited disputes, TransUnion credit monitoring, score tracking, and analysis.
You may also sign up with a friend or family member with CreditRepair.com's couples one-time discount of $100, which saves each person $50 on their first payment.
CreditRepair.com is an all-around credit repair service offering valuable customized solutions for helping clients with solutions to credit issues that are impacting their credit score.
Through their 3-step system, CreditRepair.com's team of consultants offers additional and important services such as credit evaluation, credit monitoring, score tracking, and analysis. And with hundreds of thousands of satisfied clients, CreditRepair.com shows that fast and legal credit repair is possible.
Frequently Asked Questions
How does CreditRepair.com compare to its competitors?
CreditRepair.com has an online account and an iOS or Android app in which clients can view progress in real time. Additionally, they provide their members with TransUnion credit monitoring, score tracking, and analysis.
What are the call hours for CreditRepair.com?
CreditRepair.com's call center can be contacted Monday to Friday 8 am - 12 pm ET, Saturday 9 am - 11 pm ET, and Sunday 9 am - 10 pm ET.
What does the free credit consultation from CreditRepair.com include?
Callers receive a TransUnion summary report, a free FICO® score, and the chance to discuss their credit score and credit report with a credit consultant.
What happens if I decide to enroll with CreditRepair.com?
If a caller chooses to enroll after the free consultation, they are charged a $14.95 fee for their TransUnion, Equifax, and Experian credit report. The other fees are not charged until five days after signing up. There is a setup fee depending on the plan you choose.
Is this credit repair service legal?
The Credit Repair Organizations Act (CROA) sets tough laws to ensure company compliance and protect consumer rights. For example, the CROA states that no credit repair organization can bill a customer until services are performed. However, many companies charge a "first work fee" in order to acquire credit reports. A for-profit company must also accurately inform you of what they can and cannot do in addition to providing a written contract and allowing the contract to be canceled within three business days of signing.
If you ask, a legitimate company will inform you that you have the right to fix your own credit. Companies that guarantee to erase bad credit or raise your credit score by a high amount very quickly is a red flag. Because CreditRepair.com follows all of these guidelines, they are a trusted credit repair service.
Is credit repair a guaranteed fix for my credit score?
Because of the aforementioned CROA law, no credit repair company can legally guarantee the removal of bad credit.
Reviews for CreditRepair.com
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5 out of 5 stars(6 Reviews)
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- Pricing $99.95/month
- Time in Business 20 Years
- Customer Service Rating
- Moneyback Guarantee None
Company Highlights & Accomplishments
- Founded in 1997
- Partnered with all 3 credit bureaus
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