CreditRepair.com Review (2022): Best Credit Repair or Waste of Money?

Unfortunately, damaging your credit score is easy. Every late payment, unpaid bill, and credit inquiry may lower your score a few points, and you can quickly find yourself in the "poor" or "fair" range.

Like other credit repair companies, CreditRepair.com works by analyzing your credit report, challenging inaccurate negative items, and sending debt validation letters to your creditors. 

But is CreditRepair.com legitimate and can they be trusted? In this CreditRepair.com review, we’ll share everything you need to know including the costs, pros, and cons.

What Is CreditRepair.com?

CreditRepair.com offers an experienced credit team dedicated to helping people achieve the credit scores they deserve. The company goes above and beyond one-time services, helping each client make long-lasting lifestyle changes and achieve their financial dreams.

This credit repair agency began in 2012, and since then, its members have seen over 1.8 million removals from their credit reports. In all, CreditRepair.com has executed over 19 million challenges and disputes on behalf of members since it started, including over 1 million interventions on customers’ behalf in 2019 alone.

Some credit repair companies claim to remove items but fail to follow through on their promises. CreditRepair.com has real evidence of the challenges, disputes, and interventions it undertakes, allowing clients to feel confident in their credit repair progress.

Click Here to Get A Free Credit Score Analysis With CreditRepair.com

How Does CreditRepair.com Work?

To get started with the website, you will need to create an account and sign up for one of the company's packages. CreditRepair.com utilizes a three-step credit repair process to help its clients:

Step 1: Check: As soon as you sign up for the site, the company will pull your credit report from three major credit bureaus. It will then sort through your reports and information to identify items you may want to challenge. From there, the company will work with you to learn where to focus its efforts and help you build a game plan to achieve your financial goals.

Step 2: Challenge: Next, the company will interact directly with your creditors and the credit reporting companies on your behalf to help determine if changes to your credit history were accurate and appropriate. If CreditRepair.com finds any questionable negative information, it will work with you to challenge these items on your behalf. These experienced team members know the industry's ins and outs, allowing them to use rules and regulations in your favor.

Step 3: Change: Once the company challenges and disputes questionable items in your credit history, it will track this information with the credit reporting companies to ensure that any necessary changes occur. After the credit bureaus correct your report, you may begin to see the impact.

The website operates on the principle that credit bureaus should be able to verify harmful items in your credit history. If credit bureaus cannot prove these items are appropriate and accurate, the law requires them to stop reporting them.

On top of its challenging and disputing services, CreditRepair.com also provides a comprehensive educational information section to help clients learn how to maintain a good credit report. This article library includes information about debt solutions, identity theft, managing your money, and more.

Ready to Fix Your Credit? Click Here for a Free Consultation from CreditRepair.com

What Type of Negative Items Can CreditRepair.com Help With?

This credit counseling agency offers a variety of credit repair services to help improve your FICO score.

CreditRepair.com helps improve your credit score by asking bureaus to remove questionable items on your credit report. These derogatory items may include:

• Late payments
• Judgments
• Collections
• Charge offs
• Foreclosures
• Bankruptcies
• Out-of-date items
• Repossessions

Each of these items can affect your score drastically. If they do not belong on your credit report, CreditRepair.com can help you challenge the accuracy of these items and ask for errors to be removed.

CreditRepair.com Features We Like

After completing our extensive CreditRepair.com review, we noticed several features that you won't find with other credit repair services. A few of our favorite features include the following.

Free Credit Evaluation

One of our favorite CreditRepair.com features is its free credit score evaluation and free credit consultation. This free consultation can help you get started with the credit repair process and identify what areas of your credit report need work.

Once the company completes your free credit consultation, it will customize its service to help your specific financial needs.

1.8 Million Credit Removals Since 2012

Removing inaccurate negative items from your credit report can be an effective way to impact your score. CreditRepair.com specializes in inaccurate item removals, challenges, disputes, and interventions.

You can believe that this credit repair company knows how to improve a bad credit situation the right way.

Flexible Plan Options

We also appreciate that CreditRepair.com has flexible plan options. Plans range from $69.95 to $119.95 per month, depending on your credit issues and level of need. If you only have a few items to dispute, you can pay for the lower-priced plan and save money.

Personal Online Dashboard to Monitor Progress

CreditRepair.com is not a one-and-done service. After it finishes disputing inaccurate credit items, the company can provide continual financial monitoring, a credit score tracker, and other helpful services through your online dashboard.

This dashboard includes an easy-to-understand credit report summary and credit monitoring system to help you stay informed about your financial situation. Many consumers lose sight of their finances because they go months, or even years, without checking their credit reports. The site makes it easy to stay on top of your financial situation.

The online dashboard also provides text and email alerts to keep you updated about your credit report.

Mobile Credit Repair App

CreditRepair.com makes it easy to check your financial situation on the go through its free, easy-to-use mobile app. The app lays out all of your reporting information in a simple format and alerts you of any new activity, allowing you to have quick access to your financial information.

Click Here for a Free, No-Obligation Credit Report Analysis from CreditRepair.com

How Much Does CreditRepair.com Cost?

Similar to other credit repair organizations, CreditRepair.com offers three packages with varying features. 

The basic package starts at $69.95 per month and includes a first work fee of $69.95. This plan is ideal for consumers who have a few entries they would like to challenge on their credit reports.

The moderate package begins at $99.95 per month plus a first work one-time fee of $99.95. Customers who have a reasonable number of questionable items on their credit report will benefit from this plan.

CreditRepair.com's aggressive package is the best plan for customers who have a significant number of unsubstantiated negative entries bringing down their scores. This plan includes credit monitoring, identity theft protection, monthly credit score analysis, and a variety of personal finance tools. This plan starts at $119.95 per month and includes a first work fee of $119.95.

We love CreditRepair.com's simple pricing system that lets you get your money's worth out of your package. You don't have to spend a lot of money if you are looking to fix a few items. If you have a long list of items to remove, the company's aggressive package won't break the bank.

Alternatives to CreditRepair.com

If you have done any previous research about credit repair, you probably know that several alternatives to CreditRepair.com exist on the web. However, you may have trouble discerning which website is right for your needs to provide the best repair service.

Let's take a look at how Lexington Law and Credit Saint compare to CreditRepair.com.

Lexington Law

Lexington Law offers some similar features to CreditRepair.com: the credit repair legal service provides personalized support for negative financial situations, good customer service, and an extensive educational resource center featuring information about identity theft and credit card scams.

However, this service has a few disadvantages compared to CreditRepair.com. Its services are more expensive, ranging from $89.95 to $129.95 per month, and its pricing system is a bit more complex.

The site has a mix of positive and negative reviews, and some users say they have experienced long hold times when contacting customer service. Clients also complain that Lexington Law cannot always improve their credit ratings.

Though Lexington Law is a fine choice among credit repair organizations for many people, it pales in comparison to CreditRepair.com on a few fronts.

Click Here to Learn More About Lexington Law

Credit Saint

Credit Saint is another website that helps users improve low scores by removing negative additions from their reports. The site offers similarly priced packages to CreditRepair.com but charges higher first-work fees, ranging from $99 to $195.

A few customer reviews state that Credit Saint was unable to improve their scores, so you may have a better chance of boosting yours through a more reputable website like CreditRepair.com.

Click Here to Learn More About Credit Saint

How Fast Can CreditRepair.com Fix Your Credit?

CreditRepair.com does not offer any guarantees about how quickly it can improve your scores. Factors such as your current score, the number of negative items on your report, and the speed at which bureaus respond can affect how quickly you can see results.

Every credit situation is different, but CreditRepair.com reports that its average member uses the service for six months. In theory, utilizing a web-based service like CreditRepair.com can help you work on your score more efficiently than you could when working on your report on your own.

Final Thoughts – Is CreditRepair.com Legit?

CreditRepair.com is one of the best-known credit repair companies in the industry. This company has proven that its team has a great track record of disputing questionable items on clients’ credit reports.

If you're still not sure about CreditRepair.com, check out its numerous positive customer reviews. These reviews illustrate the incredible work the company has done.

You can also receive a free consultation from this service before making any monetary commitments. It’s easy to get started with your consultation—the firm just wants to help you stay informed about your financial situation.

Living life with a low credit score can hinder you from getting a low-interest loan, buying a house, landing a job, or securing affordable insurance. It's time to take control of your financial situation. Create an account through CreditRepair.com today to begin improving your credit score.

*This article is provided by an advertiser and not necessarily written by a financial advisor. Investors should do their own research on products and services and contact a  financial advisor before opening accounts or moving money. Individual results will vary. Foreign companies and investment opportunities may not provide the same safeguards as U.S. companies. Before engaging with a company, research the laws and the regulations around that service, and make certain the company is in compliance. For comprehensive guidance on U.S. investments and financial regulations, visit the Securities and Exchange Commission (SEC)’s Investor.gov.