CreditRepair.com: Expert & User Reviews

Thanks to the Fair Credit Reporting Act (FCRA), consumers have the right to view their credit reports and take action if the information on those reports is inaccurate or unsubstantiated. Often referred to as credit repair, this process allows you to take control of your credit report and dispute unfair accounts.

Congress designed the FRCA to protect the integrity and privacy of credit data. It requires the credit reporting industry to ensure your information is fair, accurate, and confidential. The FCRA guarantees your right to monitor and correct inaccuracies in your credit reports.

For many, the easiest way to benefit from credit repair is by hiring an experienced credit repair company to act on their behalf. Unfortunately, figuring out which company to trust with your credit and cash can be challenging.

That’s because some parts of the credit repair industry have occasionally been known to engage in unscrupulous business practices or employ questionable or illegal practices to improve credit scores.

That’s why Congress passed the FRCA: to protect consumers and remove unscrupulous companies from the marketplace.

Established in 2012, CreditRepair.com has been helping people resolve their credit report issues for 10 years. Read on for our CreditRepair.com review. In this article, we’ll offer our take on the credit repair company, explore consumer reviews, and give readers an idea of what to expect should they choose to work with CreditRepair.com.

Given that the consumer credit industry is heavily monitored and regulated, one of the first indicators of a company’s quality and reputation is endurance. For a company to have reached its 10th year in the industry implies a certain level of commitment to staying within the rules that can be comforting to many.

More than that, however, CreditRepair.com’s tenure of credit repair represent extensive experience that can be put to use in helping you deal with your credit report problems. CreditRepair.com members saw over 8.8 million removals on their credit reports since 2012.

Perhaps one of the biggest draws of CreditRepair.com’s services is the simple, flat-rate pricing. The company charges every client a monthly rate for its services, with no long-term contracts. And while you’ll pay a first work fee, the company won’t charge any hidden fees.

And before you even get started in the program, you’ll receive a lot of freebies, starting with your free, credit assessment. You’ll also get free access to your credit report summary, an audit of your accounts, and a free credit score evaluation, complete with recommended solutions.

Additionally, CreditRepair.com makes it easy to access your account and check on your credit repair process at any time. You can log into your personal online dashboard 24/7 and access your information on the go with the mobile application, which works on Android and iOS devices. The credit score tracker and analysis can help you stay on the right path, and clients can even set up text and email alerts to ensure their report stays in top shape.

CreditRepair.com tries to maintain a transparent process, laying out on its website exactly what clients should expect from the company’s three-step credit repair process. Visitors can also find a wide variety of credit education resources, including articles and guides on everything from improving your credit to dealing with identity theft.

Of course, while you’re welcome to take our word for it, all reasonable financial due diligence should involve seeking out a variety of opinions for the best results. Thankfully, the internet has opinions to spare. In fact, CreditRepair.com’s website has dozens of customer reviews.

And on BestCompany.com, you can find more than 1,600 CreditRepair.com reviews from clients across the country — reviews that add up to a solid 7.1 user score. The general consensus? Clients love the knowledgeable staff and positive results.

“These guys go the extra mile to try and get positive results for people like me. They explain everything precisely; any questions you may have, feel free to ask. They are very patient and no question is a stupid one. They explain what and why, and when the next step is. No one will be disappointed!” – Sharon, BestCompany.com Reviewer

Another BestCompany.com reviewer praised CreditRepair.com’s excellent customer service and frequent updates.

I’m so happy that I made the decision to start working on my credit with credit repair. Because the customer service is really good and they’re always giving me updates about my credit. I really appreciate all the hard work and help that I’m getting with credit repair. – Angela, BestCompany.com Reviewer

As with just about any business, however, it’s not all rainbows and happy trees in CreditRepair.com’s reviews. Some of the negative reviews are from customers who found it hard to cancel the service, with most complaining that the process took too long or there was a lack of communication.

“I tried to cancel the service early on, but I was told it required a minimum of 26 weeks before I could do so. Fine, I agreed and specifically instructed them to cancel my service automatically at the end of the 26 weeks. They confirmed this would be done. Fast forward to now — nearly 30 weeks later — and I’m still being charged! I only noticed recently, and this is unacceptable. Their lack of follow-through and accountability is infuriating.” – Jack, TrustPilot Reviewer

Despite being clear on the fees it charges, a number of reviewers were also unhappy about the cost of the service.

By reading the reviews, it’s clear that a big part of finding success in the credit repair process is to know what to expect before you get started. At CreditRepair.com, the team uses a four-step process to address each client’s overall credit situation.

It all starts with step one, the review. When you sign up, your representative will assist you in retrieving your reports from the three major U.S. credit bureaus and organizes the information to enable you to identify the items you’d like to challenge.

Items for potential challenge include report entries that have a negative effect on your credit scores, inaccurate information in public records that could impact scores, and open or closed accounts erroneously attributed to you.

Because reporting quality varies widely among organizations working with credit bureaus, the review also checks account opening dates and debt balances for accuracy.

Then, with information on your credit situation and goals, the team recommends a personalized game plan to fix your credit.

Every plan recommendation from CreditRepair.com includes a credit report analysis to explain why the team is making its recommendations. Users receive access to a case management dashboard to monitor how Credit-Repair.com handles the disputed items.

With a plan of action in place, the next step is to issue challenges and disputes. Since 2012, CreditRepair.com has sent over 10 million interventions on our members behalf.

During the challenge step, CreditRepair.com initiates an ongoing conversation between the client, the client’s creditors, and the credit reporting bureaus. The company communicates directly with each party to address issues, asking tough questions to probe deeply into report details.

Negative items must be removed when there is no proof that they are fair and accurate. The CreditReport.com team constantly stays in contact with the bureaus to ensure that agreed-upon changes have actually been made to your reports.

In step four, Creditrepair.com ensures situations don’t arise again in the future by monitoring your credit and alerting you to potential threats. Every plan includes Identity theft protection with alerts of possible security risks.

In 2023, CreditRepair.com members saw over 200,000 items removed from their credit reports. Additionally, CreditRepair.com aims to have an enduring positive impact on your credit health that extends beyond your time with them, providing credit score monitoring and educational resources to help you stay on track.

Credit repair can be a simple way to remove mistaken, outdated, or unsubstantiated information from your credit report, and the credit repair process can be an effective way to improve your credit score.

It’s difficult to overestimate the importance of a good credit score. The relatively minor cost of working with the team at CreditRepair.com may result in lower interest rates on credit and loans, higher credit limits, lower insurance premiums, easier approval for rental housing, and better job prospects.

The key thing to keep in mind when considering credit repair, regardless of which company you select, is that the process is very individualized. The actual results, including how long the process takes and the number of points your score increases, can vary significantly based on your circumstances.