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Searching for up-to-date and unbiased CreditRepair.com reviews? You’re in the right place. CreditRepair.com is one of the most recognized credit repair brands.
If you have visited their website, you may have seen lots of positive customer feedback. But what’s their service really like? Get all your questions answered in this CreditRepair.com review 2021. We will cover:
Let’s get started:
CreditRepair.com has emerged in 2012. Alongside Lexington law, it’s a part of Progrexion Holding, Inc’s consumer brands. While both repair companies have different approaches, they use consumer advocacy technologies from Progrexion. So, you may notice many similarities in their platforms. The parent company also provides credit monitoring and protection services through credit.com.
CreditRepair.com corporate offices are in Salt Lake, Utah, though all services are online. Aside from their website, users can access services through their iOS or Android apps. They have had various vital accomplishments over the years, including:
CreditRepair.com follows a three-step procedure. The first step is pulling and analyzing reports for dispute candidates. They generate a game plan by narrowing down items to challenge. Step two entails sending letters to credit bureaus, written from a legal angle. For the third stage, the company sends out alerts for any successful challenges.
Their credit repair process does not end here. The company also offers creditor interventions. It entails sending challenges to information furnishers, asking them to reverify any inaccurate negative entries that they previously reported. Most experts recommend challenging the original creditors and bureaus for a better chance of success. The FCRA requires the information furnishers to report accurate information and correct inaccuracies if they exist.
There will be two ways to access creditrepair.com. If you’re a mobile user, the creditrepair.com app may be more convenient. It has various intuitive features such as:
The Android version of the app has been installed over 100,000 times with a 4.2 rating out of 5. You can request a free credit consultation directly in the app by pressing the “Call Now” button.
Note that creditrepair.com does not offer debt solutions. They cannot negotiate with debt collection agencies or remove legitimate collection accounts. Consider debt settlement or credit counseling companies if you’re having challenges managing debt.
People like CreditRepair for many reasons. They answer all customer questions and have a good reputation for improving credit scores. Their representatives have been noted for being friendly and helpful. We also found not-so-obvious advantages of engaging with their services:
CreditRepair.com tries to cover a lot of ground and offers stellar services. But we have found specific issues with their platform:
As one of the top five credit repair companies in the country, it’s relatively easy to find Creditrepair.com consumer reviews. Reading about the experiences of other customers can prepare you for what to expect. It’s always advisable to read both positive and negative reviews and avoid making a judgment too quickly. Some places to find www.creditrepair.com reviews include:
We encountered many reviews from customers outlining the positive results they achieved with the company and will highlight some here:
In this recent credit repair.com review, the customer stated that they had a productive conversation about their credit with the company. The reviewer then invited other people to try creditrepair.com for help resolving their credit issues.
For the second featured review, the customer expressed having four negative items removed from their reports within 40 days. The reviewer stated that paying for creditrepair.com services will be a great investment for anyone on a mission to boost their scores.
For complaints, we checked other sites as the feedback on their website is all positive.
On the CreditRepair.com BBB.org profile, they have had a total of 72 complaints in the last three years. Most have to do with customers having a problem with the service. No repair company is truly problem-free. We check how the company responds to complaints. So, how has the company performed?
In one CreditRepair.com review, a customer complained about paying for five months for the service but not seeing any results. We liked the response from the company. After reviewing their account, they refunded two payments. While there is no money-back guarantee, they have handled past complaints well.
CreditRepair.com offers three pricing plans. They’re not advertised on the site. You will first need to fill out your personal information on the CreditRepair.com sign-in form.
Here are the particulars of each package:
The main features of the Advanced package at $119.95 per month include:
While you’ll pay $20 more for the Advanced package compared to the Standard package, Credit repair.com claims that customers get up to $100 more value.
At $99.95 per month, the Standard plan is their most popular package. Compared to the Advanced package, the dispute challenges are only 15. FICO credit score updates are quarterly, and it does not include ID theft protection, ID insurance, or personal finance tools.
Are 15 challenges going to be enough? Yes, it’s not a deal-breaker, as most experts recommend limiting challenges to 5 per bureau for each dispute cycle. The only limitation is that they cap the number of creditor challenges at just three.
The Direct plan at $69.95 is $30 cheaper than the Standard plan. It includes 15 challenge disputes, three creditor interventions, alerts, and quarterly FICO updates. You’ll only miss out on:
By all accounts, this is still a great value. The most important thing is not credit monitoring and alerts. It’s the core feature — challenging negative items — that matters.
*Note that:
CreditRepair.com has its strengths and weaknesses. Their main strong suit is the wealth of features in their credit repair packages. One of their main weaknesses is the lack of a service guarantee. Here are some of the best credit repair services if you’re still weighing whether to go with the provider:
Credit Saint has more credit repair experience, but this may not mean better results. It has a money-back guarantee for a more worry-free experience. The pricing packages are similar, but Credit Saint has higher work fees.
CreditRepair.com offers more extra features, including ID protection and insurance. It has a better monitoring and reporting system with mobile apps.
| Credit Saint | CreditRepair.com | |
| Credit repair experience | 17 yrs (2004) | 9 yrs (2012) |
| Guarantee | Yes, 90-day Money-back | No |
| Pricing range | $79.99 – $119.99 | $69.95 – $119.95 |
| Initial work fee | $99 – $195 | $69.95 – $119.95 |
| Services | Disputes
Score analysis & monitoring Creditor Interventions |
Disputes
Score analysis & monitoring Creditor Interventions Personal finance tools Identity protection & insurance |
You’ll find many similarities between the two brands. Still, there are subtle differences in their services. Lexington Law has a lawyer-driven repair process involving attorneys and teams of paralegals. CreditRepair.com offers an expert-led process. Based on pricing packages, it’s also the more affordable choice.
| Lexington Law | CreditRepair.com | |
| Credit repair experience | 17 yrs (2004) | 9 yrs (2012) |
| Guarantee | No | No |
| Pricing range | $89.85 – $129.95 | $69.95 – $119.95 |
| Initial work fee | $89 – $129 | $69.95 – $119.95 |
| Services | Disputes
Score Analysis & monitoring Creditor Interventions Personal finance tools Identity protection & insurance |
Disputes
Score Analysis & monitoring Creditor Interventions Personal finance tools Identity protection & insurance |
Sky Blue has a straightforward package that includes 15 dispute items per 35 days. They file custom disputes while CreditRepair.com doesn’t make this claim. What’s more, Sky Blue has a long track record in credit repair and provides a service guarantee.
CreditRepair.com offers more features. They have mobile apps for easier monitoring and dispute tracking. On higher packages, they offer ID protection and insurance. Their Direct plan is also cheaper than the one pricing package offered by Sky Blue.
| Sky Blue | CreditRepair.com | |
| Credit repair experience | 32 yrs (1989) | 9 yrs (2012) |
| Guarantee | Yes, 90-day Money-back | No |
| Pricing range | $79 – one package | $69.95 – $119.95 |
| Initial work fee | $79 | $69.95 – $119.95 |
| Services | Disputes
Score analysis & monitoring Creditor interventions Credit rebuilding guidance |
Disputes
Score analysis & monitoring Creditor Interventions Personal finance tools Identity protection & insurance |
CreditRepair.com is worth it, as they provide all the features you will need in a credit repair package. Even the lowest plan at $69.95 includes 15 challenges, creditor disputes, monitoring, and quarterly FICO scores. They back up their work with statistics. The company also states that customers stay with them for six months. Each month, the average customer has 7% of suspect negative entries removed.
Is CreditRepair.com safe even if they don’t have a service guarantee? Well, we found plenty of reviews from people who have benefited from their efforts.
CreditRepair.com has all the markings of a legitimate credit repair company. They don’t make any fake promises and claims. Their goal is to help customers discover items affecting scores and help fix them. They are part of Progrexion alongside Lexington Law, a trusted repair market leader.
Over 500,000 people have used their services over the years. Their apps are verified and trusted on Android and Apple app stores.
Yes, as long as the late payments are inaccurate. They can also challenge unauthorized or inaccurate hard inquiries. All repair companies dispute inaccurate information.
Chances of removing late payments are better if they resulted from student loans or identity theft. If the late payments were caused as a result of wrong reporting during divorce, you might also have a better case.
CreditRepair.com offers creditor interventions, too. They may reach out to creditors to have your name cleared from wrongful reporting.
2875 S, Decker Lake Dr, West Valley City, UT 84119
CreditRepair.com has three pricing packages: Direct ($69.95 + one-time fee $69.95), Standard ($99.95 + one-time fee $99.95), and Advanced ($119.95 + one-time fee $119.95).
They offer a discount for signing up with a friend or family. Each person receives 50% off on their first work fee.
CreditRepair.com hours are from Monday to Friday (7 a.m. to 7 p.m. MST)
Customers who wish to end their membership are advised to contact the customer team and ask for their membership to be halted. It’s essential to do this early before the end of the month, as the company bills for services rendered for that month.
By canceling mid-month, you will only pay a partial fee. You can use the following contact information when canceling the service as an existing customer:
The customer support department remains closed on Saturday and Sunday.
