Review: Expert & User Reviews in 2024

Creditrepair Com Review

Thanks to the Fair Credit Reporting Act (FCRA), consumers have the right not only to view their credit reports, but to take action if 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.

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

Established in 1997, has been helping people resolve their credit report issues for 20 years. Read on for our review. According to Scott Smith, the company’s president, is more than a dispute mill, but “leverages a whole range of consumer protection statutes in the service of improving somebody’s credit reports — and this goes beyond simple disputation.” In this article, we’ll offer our own take on the credit repair company, explore consumer reviews, and give readers an idea of what to expect should you choose to work with

Our Take | Consumer Reviews | What to Expect

Flat-Rate Pricing, Tons of Access, and a Transparent Process

Given that the consumer credit industry is heavily watched and regulated by a number of bodies, one of the first indicators of a company that operates by-the-book is endurance. For a company to have reached its 20th 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,’s two decades of credit repair represents extensive experience that can be put to use helping you deal with your credit report problems. In fact, a study of clients saw an average of 11.6 removals across their three credit reports.

  • Free online consultation
  • members saw over 8.6 million removals on their credit reports since 2012
  • Free access to your credit report summary
  • Three-step plan for checking, challenging and changing your credit report
  • Online tools to help clients track results
  • See official site, terms, and details.


Overall Rating

Better Business Bureau In Business Since Monthly Cost Reputation Score
See BBB Listing 2012 $69.95+ 8/10

Perhaps one of the biggest draws of’s services is the simple, flat-rate pricing. The company charges every client a single monthly rate for its services, with no long-term contracts or obligations. And while you’ll pay a one-time fee for the initial obtention of your credit reports, 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, personalized credit consultation. You’ll also get free access to your credit report summary, an audit on all of your accounts, and a free credit score evaluation, complete with recommended solutions.

Additionally, 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, as well as 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. 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.

An 8.2 User Score from BestCompany Reviewers

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

And on, you can find more than 380 reviews from clients across the country — reviews which add up to a solid 8.2 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, Reviewer

As with just about any business, however, it’s not all rainbows and happy trees in’s reviews. The majority of the negative reviews are from customers who didn’t see the progress they hoped, with most complaining that the process took too long or didn’t improve their score as much as they anticipated.

“They were able to get less than 10 accounts deleted in 5 months out of 60 and no major accounts that made a significant impact on my credit score like deletion of repos, or civil or major accounts with negative impact.” — Junior25, TrustPilot Reviewer

Despite being clear on the fees it charges, a number of reviewers are also unhappy about the cost of the service. And similar to most services based on subscription payments, a number of the complaints center on the service being difficult (i.e., involve a long phone call) to cancel. Uses a Three-Step Process

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, the team uses a three-step process to address each client’s overall credit situation.

It all starts with step one, the Check. When you sign up, your representative pulls all three of your credit reports and organizes the information to enable you to identify the items you’d like to dispute. With information on your credit situation and goals, the team determines a personalized game plan to fix your credit.

Screenshot of's follows a three-step process to address your credit report concerns.

With a plan of action, the next step is the Challenge. During this step, initiates an ongoing conversation between the client, the creditor, and the credit reporting bureau. The company’s experts communicate directly with each party to address issues, as well as staying in contact to ensure agreed-upon changes have actually been made to your reports.

And finally comes Change. On average, clients see 7% of the negative items on their credit reports removed each month. Additionally, 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.

An Average Credit Score Increase of 40 Points in 4 Months

Credit repair can be a simple way to remove mistaken, out-dated, or unsubstantiated information from your credit report, and the credit repair process can be an effective way to improve your credit score. The typical client, for example, experienced an average credit score increase of 40 points over the course of four months of service. Depending on what your score is to begin with, a 40-point increase can potentially boost you into the next credit tier and open up a new range of credit or loan offers to you.

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 specific circumstances.

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