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Credit Repair Consultants Review

Tuesday, August 9th

2022 Credit Repair Company Reviews

Credit Repair Consultants Review 1.5 Star Rating

Credit Repair Consultants

1.5 Star Rating
  • Three credit repair plans to choose from
  • Free credit audit
  • Over 20,000 clients since 1998
  • Refund and guarantee policy
  • Serves clients nationwide
  • Can help you qualify for a mortgage

At Credit Repair Consultants, their goal is to use every available legal method to help you get the best possible credit. Their services work to remove anything that negatively impacts your score.

Set up your free consultation

If you'd like a free credit audit, click on the button and fill out the contact form. You'll be asked for your name and email address, your credit goals (buy a home, get better interest rates, become debt-free), as well as any other desired outcomes like raising your credit score or consolidating debts. A member of the Credit Repair Consultants' team will reach out to get you started. He or she will look into your credit score and help you understand it, as well as determine if your credit profile is getting in the way of your future abilities to secure loans at a competitive rate (or at all).

Choose among 3 plans

Credit Repair Consultants offers three plans to choose from:

  • Standard (from $79.95/month): CRC contacts the three credit bureaus on your behalf, using applicable laws like FCRA and FACTA to challenge items on your credit report.
  • Premier (from $89.95/month): includes the benefits of the Standard plan, plus working directly with creditors and debt collectors to negotiate goodwill adjustment requests and other remedies.
  • HomePlus (from $109.95/month): all of the benefits of Premier, and with the added goal of helping you eventually qualify for a mortgage. When you reach the point of qualifying for a home loan and you receive one through one of CRC's approved brokers, you'll get a refund for everything you've spent on your credit repair up to that point (essentially making it free).

Satisfaction guarantee - with limitations

This credit repair service comes with some guarantees and refund policies, but you need to understand the terms. First, if CRC isn't able to remove any negative items from your credit report in the first 120 days of being a client, they'll refund your application enrollment/setup fee (minus the $45 they paid to order your reports in the first place). Also. after you've been a client for 12 months, you can request an evaluation of your account: if the total you've paid is more than what they've helped to improve or delete (at a rate of $60 for every "success" ), they'll refund the difference. Finally, if anything removed or deleted mistakenly reappears on your credit file within a year from the removal/deletion date, Credit Repair Consultants will reinvestigate and get it removed at no extra charge.

Best Credit Repair Companies

Not enough recent, positive feedback from clients

While we were glad to see that Credit Repair Consultants have made a lot of needed upgrades to their website since our last evaluation, we were disappointed not to find a corresponding upswing in their reputation. This provider's rating with the Better Business Bureau has totally fallen off the radar, landing on "Not Rated" due to insufficient information. When we went to check out "all of the positive reviews" on their Facebook page, it turned out that almost all of them were from people posting crypto spam and not actually reviewing CRC. Most of the seemingly valid reviews there and elsewhere were years out of date. Even their blog's "recent posts" were all over a year old. We also read a handful of negative reviews from that same timeframe, from clients who said that communication was lacking and they felt that the service was a waste of time and money.

Costs

  • Setup fees of $189/individual or $309/couple
  • $79.95/month for Standard plan
  • $89.95/month for Premier plan
  • $109.95/month for HomeSure plan

Not the best option for credit repair

It's possible that Credit Repair Consultants delivers a solid credit repair experience - but there's just not enough client feedback to prove it. Even the BBB seems to think that this service is a mystery, and we're not thrilled that the comments we dug up were primarily unrelated spam and complaints. You've got far more reliable options for credit repair, and we invite you to consider the higher-ranked credit repair providers in our review.

Which Credit Repair Service is the Best?

Americans have finally started to understand the importance of a good credit score: from 2011 to 2021, the nationwide average increased from 689 to 714! Anything over 700 is considered to be "good" and can be the key to opening doors financially - everything from renting an apartment to securing an auto loan or mortgage may rest on your credit report.

Unfortunately, not everyone understands what goes into a positive credit history. Late payments, applying for multiple credit cards in a short period of time, or even problems with mistaken identity can all lead to a less-than-excellent credit profile. Some people get lured in by the promises of low monthly payments or 0% APR credit cards, only to find themselves drowning in debt.

The Best Credit Repair Companies Compare Credit Repair Companies Compare Credit Repair Company Reviews What are the best Credit Repair Companies Best Credit Repair Company Reviews

Credit Repair Company FAQ

Credit repair is just like it sounds: a process by which your credit history and score are improved. This happens through negotiations with creditors, removing negative information reported to credit bureaus, and other strategies.
That will depend on several factors: your state of residence, the type(s) of issues you're looking to resolve, and so on. Most credit repair services offer a free consultation, to determine if you're eligible for their help and which approach to take in your specific case.
Credit repair services typically charge a one-time setup fee and monthly service fees. One-time fees range from $19 to $195, and monthly fees from $29 to $159.95. You might get a discount if you sign up as a couple, or if you're a current or former member of the military.
Most of the actions taken on your behalf by a credit repair service can be done on your own. But, how much time do you have? Are you typically available to make calls during business hours? Hiring a credit repair provider can save you a significant amount of time and hassle. And, there's something to be said for letting the experts do the work, using their knowledge and connections to ensure that your credit repair process is done effectively.
The first step with any credit repair service will likely involve a thorough review of your credit report. Your representative will discuss your credit history in detail, help you identify actionable items, and give you a recommendation for which services are best suited to your needs. From there, credit repair providers work diligently to address the issues and resolve them, for as long as you maintain your subscription to their services.
Most services state that you'll see negative items removed from your credit history within the first 90 days. The amount of time it will take to see an improvement in your credit score will depend on your particular circumstances.
Sometimes. A few credit repair services guarantee that you'll see those deletions within the first three months, and you'll get a refund of any fees paid if that doesn't happen. Other providers actually specify a minimum credit score improvement. It's a good idea to know exactly what you'll get from the service you select, before you sign up as a member.
Credit repair is legitimate: working with a reputable service, you can absolutely see big changes in your credit report. On the other hand, there are companies that don't deliver what they promise. Be sure to check out the reputation of any credit repair service you're considering: customer feedback, number of years in business, and the service's BBB rating are all helpful indicators of a provider's trustworthiness.
Compare the Best Reviews

Continued from above...

That's where credit repair services enter the picture. These providers work to dispute items on your credit report that might be inaccurate, unverifiable, or erroneous. Depending on which company you choose, the service might also include cease and desist letters, goodwill letters to help you qualify for credit in the future, credit monitoring to keep you on track, and one-on-one coaching.

You shouldn't expect miraculous, rapid increases in your credit score - most credit repair processes result in a modest increase of about 40 points, though some may bring you up by 100 points or more - but it could be what makes the difference for your financial goals and credit needs.

As you start to explore the possibility of credit repair, you'll soon see that there are many providers hoping to gain your business as a client. Which one is the best for you? Here are a few things to keep in mind as you decide:

  • Services provided. What is included in your monthly fee? Will you get a certain number of challenges and disputes or is it unlimited? Is credit monitoring included? Will you get coaching on managing your finances going forward, so that you can avoid needing credit repair down the road?
  • Fees. What will you pay for the services you receive? Is it month-to-month or a one-off cost? Is there an initial work fee or setup cost? Also, many services expect that you will have a credit report in hand at the time of your first consultation; some include that with your fees, while others charge you for it. Be aware that you can request your credit report once per year for free: the CFPB recommends using AnnualCreditReport.com to get yours from all three of the major credit bureaus at no cost.
  • Results. The best credit repair services tell you what to expect and how quickly. It can take a month or two before your credit score changes, even if your provider is working diligently behind the scenes on your behalf.
  • Reputation. The Better Business Bureau isn't a big fan of the credit repair industry, so it's not uncommon to see reputable providers with a less-than-stellar BBB grade. Rely on client feedback to paint a clearer picture instead. Do customers say the credit repair service was effective? Was it worth the money they paid? Did their assigned reps update them regularly with the progress made on their credit reports?

To help you get your finances back on track, TopConsumerReviews.com has evaluated and ranked the most popular credit repair services available today. We're confident that this information will give you everything you need to choose the right partner in your journey towards a fantastic credit report!

Compare Credit Repair Companies

Select any 2 Credit Repair Companies to compare them head to head

best-credit-repair-companies
  • Sky Blue Credit
  • Credit Firm
  • The Credit People
  • Ovation Credit Services
  • Credit Saint
  • MSI Credit Solutions
  • The Credit Pros
  • Lexington Law
  • Credit Repair
  • Pyramid Credit Repair
  • Credit Repair Consultants
  • Credit Monkey
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