CreditRepair.com Credit Repair Review

To qualify for the top rewards credit cards or the lowest interest rates on personal loans or car loans, you need to have good to excellent credit. If your credit is less than perfect, a credit repair service like CreditRepair.com could help you improve your score. 

According to CreditRepair.com, customers usually improve their scores by about 40 points in just four months. That’s enough of a difference to move your score from “fair” to “good,” helping you qualify for lower rates and more rewards.

As part of reviewing CreditRepair.com, we evaluated 17 credit repair companies in the following categories: costs and fees (40.5%), services offered (34%), customer experiences (22.5%), and stability (3%).

Pros Explained

• Multiple service tiers: CreditRepair.com has three different plans, so you can choose the one that fits your needs and budget. For example, if you have only a few items to handle on your credit reports, the basic plan is likely sufficient, so you can skip the more expensive tiers to save money. 
• No contracts: CreditRepair.com allows you to pay for its services monthly, so you’re not locked into a long-term contract. 
• Discount for signing up friends and family: If you sign up along with a friend or family member, you’ll each get 50% off the first work fee. 
• Includes identity theft insurance: When you sign up for CreditRepair.com, identity theft insurance is included. If you are the victim of identity theft, insurance can help you recover lost wages and expenses.

Cons Explained

• Pending litigation with the Consumer Financial Protection Bureau (CFPB): In 2019, the CFPB filed a lawsuit against CreditRepair.com and Lexington Law. In the suit, the CFPB alleged that the companies used deceptive marketing tactics and requested and received payment for prohibited upfront fees. The suit also alleged that the companies made false claims in their ads. 
• Pricing unavailable without providing personal information: CreditRepair.com offers several service tiers, but doesn’t provide information about pricing on its main site. To view pricing information you have to provide your personal information, including your email and phone number. 
• No service guarantee: Unlike other companies, CreditRepair.com doesn’t offer a service guarantee, so you cannot get a refund if you’re dissatisfied with its service.

Types of Services

If you have poor credit, you could use CreditRepair.com to potentially improve your credit score. According to the company, past members saw their scores increase by an average of 40 points in four months. Keep in mind that individual results may vary; your initial credit score, the length of your credit history, and your ongoing credit habits can affect your score. 

CreditRepair.com provides its customers with three tiers of service:

Bureau Challenges

If there is inaccurate information on your credit reports, CreditRepair.com will work with the three credit bureaus to have that information removed. 

Debt Validation

If you have outstanding debt that is delinquent or in default, CreditRepair.com will send a debt validation letter to the creditor. The creditor must be able to prove the debt belongs to you and is current, or the item can be removed from your credit report. 

Goodwill Intervention

If you have open accounts that are late, CreditRepair.com can help you craft a goodwill intervention letter. With this approach, you request that the creditor remove the late payment from your credit reports; in return, you agree to make future payments on time. 

FICO Score Updates

CreditRepair.com will allow you to monitor your progress with regular FICO score updates. 

Cease and Desist Intervention

If you are being harassed by debt collectors, you can use CreditRepair.com to send a cease-and-desist letter. The letter asks them to stop contacting you while you identify a plan for repaying your debt; you still owe the money, but it may help reduce unwanted phone calls. 

Optional Add-Ons

Depending on which tier of service you choose, you may be able to utilize identity theft protection and identity theft insurance. 

Company Features

CreditRepair.com customers get access to the following features: 

• Free credit repair consultation: CreditRepair.com offers a free online credit consultation that you can use to see what negative items exist on your credit reports. 
• Credit monitoring: You can monitor your credit reports and scores through your online account. 
• Educational materials: CreditRepair.com has informational articles and tools you can use as you boost your credit. It has a credit score simulator that shows you how different actions can improve your credit. 

Customer Service

While some credit repair companies offer 24/7 support, CreditRepair.com’s customer service team is only available during its business hours Monday through Friday, from 7:00 a.m. until 7:00 p.m. MST. 

Customer support can be reached by phone at (800) 232-6499, or you can also chat with a representative online. 

Members can contact the company through this email address, although it’s not listed on the company’s contact page: memberservices@creditrepair.com.

CreditRepair.com does have a mobile app you can use to manage your account and monitor your progress. 

Company Reputation

CreditRepair.com has solid reviews from customers, but it’s currently dealing with some issues with regulatory authorities. 

On Trustpilot, CreditRepair.com has a 4.2 out of five TrustScore, which is a “Great” score on Trustpilot’s scale. That score is based on over 600 reviews, and is an impressive rating for a credit repair company. In CreditRepair.com reviews, customers praised the personalized customer support and results.

Just 12 complaints about CreditRepair.com were submitted to the Consumer Financial Protection Bureau (CFPB) over the past 10 years, fewer complaints than are typically submitted about credit repair companies. 

Lawsuits and Regulatory Action

In 2019, the CFPB filed a lawsuit against CreditRepair.com and Lexington law, two of the largest credit repair companies in the country. In the suit, the CFPB made the following allegations: 

• Violation of the Telemarketing Sales Rule (TSR): The CFPB alleged that the companies violated the TSR by requesting and receiving payment of prohibited upfront fees for their services. Under the TSR, companies can only charge fees after providing consumers with documentation that shows the results were achieved. 
• Violations of the Consumer: Financial Protection Act: The CFPB also alleged that the companies made deceptive representations in their advertising materials and through their marketing affiliates. 

As of 2022, the lawsuit is still pending. This lawsuit will have significant ramifications on the credit repair industry. Most credit repair companies charge first work fees along with their monthly fee; according to the CFPB, these fees are illegal because they violate the TSR. 

Contract Duration

CreditRepair.com does not require an ongoing contract. You pay for its services on a monthly basis and can cancel at any time.

Cost

CreditRepair.com offers three different service tiers. Depending on which plan you choose, the monthly fee can range from $69.95 to $119.95. There is also a first work fee that is equal to a month’s payment.

If you enroll with a friend or family member, you can both qualify for a 50% discount on the first work fee. 

CreditRepair.com doesn’t offer a satisfaction guarantee, so you cannot get a refund if you’re unhappy with the service you receive. 

How to Choose a Credit Repair Company

There are many credit repair companies out there. When choosing a company, consider the following: 

• Setup and ongoing fees: Credit repair companies typically charge first work fees and ongoing monthly fees. In general, fees range from $69 to $119 per month. 
• Customer support: While some companies are available 24/7, others are more limited. 
• Commitment: You likely will only need a credit repair company for a few months, so beware of companies that require you to sign long-term contracts. Instead, look for a company that has monthly plans.
• Refund policies: Many credit repair companies—but not all—offer service guarantees. If you’re dissatisfied with their service, they’ll give you a refund of your fees.  
• Additional features: Some companies have optional features like identity theft protection or budgeting tools. 

Alternative Choices

Before choosing a credit repair company, shop around and see what options are available. To help you with your research, we compared CreditRepair.com to The Credit Pros, one of the best credit repair companies. 

The Credit Pros is more expensive than CreditRepair.com, but its highest tier of service includes a financial planning component that may be valuable to some customers. It also offers an unlimited number of monthly disputes, while CreditRepair.com allows as few as three per month, giving The Credit Pros a significant advantage. 

How We Review Credit Repair Companies

Our team evaluated 17 credit repair companies and collected over 600 data points before selecting our top choices. We weighed 39 criteria, giving the highest weights to those that are the most significant for customers.

The top picks were selected based on:

• Costs and fees (weighted 40.5% in total)
• Services offered (34%)
• Customer experience (22.5%)
• Stability (3%)

We took into account factors like how many disputes will be sent per month, what kinds of dispute letters will be sent, cancellation and return policies, and how long companies have been in business. This information was used in our company's star ratings and best picks.