Tuesday, August 9th
2022 Credit Repair Company Reviews
Credit Repair Consultants
- 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.
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.
More Credit Repair Company Reviews
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.
Credit Repair Company FAQ
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!
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