Best Reviews TopConsumerReviews.com Best Credit Repair Companies Best Reviews
Best Reviews
      December 11, 2018

Home  >  Credit Repair  >  Credit Assistance Network vs Credit Repair Consultants

Best Credit

Repair Companies

  1. Ovation Credit Services
  2. Credit Firm
  3. Credit Saint
  4. MSI Credit Solutions
  5. The Credit Pros
  6. Lexington Law
  7. The Credit People
  8. Credit Repair
  9. Credit Assist Network
  10. Pyramid Credit Repair
  11. E Credit Attorney
  12. Credit Repair Consult
  13. Veracity Credit

Compare Products

  • Select any 2 companies in our reviews to compare them head-to-head!
  • Compare

Your Information Is Secure
101 Tips to Raise Your Credit Score Newsletter

Latest Reviews

Bunk Beds

Charm Bracelets

Dating Sites

Eczema

Flower Delivery

Fruit Baskets

Guitar Lessons

Hair Loss

Menopause Relief

Online Stock Brokers

Watches

 

Individual Reviews

Sky Blue Credit

Ovation Credit Services

Credit Firm

Credit Saint

MSI Credit Solutions

The Credit Pros

Lexington Law

The Credit People

Credit Repair

Credit Assistance Network

Pyramid Credit Repair

E Credit Attorney

Credit Repair Consultants

Veracity Credit

 

Related Articles

How Fast Can Your Credit Be Repaired?

How Repairing Your Credit Can Save You Money

Improving Your Credit Score

Quality Credit Repair Companies

The Basics of Credit Repair

What is a Credit Score and Why is it Important?

What is Credit History and Why is it Important?

Why Good Credit Is Important

 

Disclosure: We pay our reviewers for their reviews. We are not compensated by companies for their reviews, but we may be compensated for links and advertisements on our website. Click here for details.

Better Business Bureau Reliability Seal

Credit Assistance Network vs Credit Repair Consultants

Best Credit Repair

To help you find the Best Credit Repair Services, TopConsumerReviews.com provides you with an in-depth comparison of Credit Assistance Network and Credit Repair Consultants.

To see ALL of our reviews for the Best Credit Repair Services, please Click Here

Who's the best credit repair company? Most Americans know that a good credit score and credit history are important. That one number, your credit score, can determine your ability to get a loan for school or for a car, be approved as a tenant, or to qualify for a credit card.

Unfortunately, when your credit history is less than fantastic - because of making payments after the due date, having too many credit inquiries, or even having mistaken information associated with your identity - you'll have fewer options when you need to make a major purchase. You may even have to pay higher than average rates on your car insurance or your mortgage.

Continue reading below reviews

Best Reviews

2018

Credit Repair Reviews

1.5 stars
Credit Assistance Network

CREDIT ASSISTANCE NETWORK Visit Site

Cost:

Initial fees of $179/individual or $279/couple

$50-$75 for each confirmed deletion per bureau

Credit Assistance Network is one of the few credit repair providers that offers a pay-as-you-go pricing structure. You'll make an initial payment of $179 (or $279 for a couple), which gets you access to one -on-one consultations with a certified FICO professional, debt validation/goodwill letters to creditors, cease and desist letters to collection agencies, and unlimited disputes. From there, you'll be charged for every deletion CAN is able to achieve on your account - $50 for confirmed deletions per bureau, and $70 for deletions from public records. That could add up very quickly, if you have multiple issues on your credit history.

You'll also be expected to provide your credit history to Credit Assistance Network, at your own cost; it's not included with their repair services.

Will you get effective credit repair services from Credit Assistance Network? Their reputation is puzzling. On the one hand, they've been in the industry for more than 10 years and have only positive reviews on the Better Business Bureau website - and yet, their rating with the BBB is only a mediocre "C+". We also felt misled by the CAN website, which said that their rating was a flawless "A+". Can you trust a company to repair your credit if, from the very start, they're not fully honest with their own reputation?

Or, maybe this provider doesn't update their site very frequently: at the time of our review, their most recent blog post was nearly 5 years old. But, again, should you choose a credit repair company that doesn't stay current - with new regulations affecting consumers and their credit scores? Probably not.

In this provider's FAQ, it states, "We our experts." Typos, misinformation about a BBB rating, and expensive a la carte-type pricing are all reasons for Credit Assistance Network's low ranking among businesses offering credit repair services. You'll have a much smoother, effective experience elsewhere.

Visit Site

1 star
Credit Repair Consultants

CREDIT REPAIR CONSULTANTS Visit Site

Cost:

$189 application/enrollment fee ($309 for couples)

Monthly service fees starting at $59.95/month

Based in Florida, Credit Repair Consultants has been working to help people improve their credit for more than a decade.

Credit Repair Consultants' fees are hefty. Expect to pay an application fee of $189 - or $309 for couples - along with a monthly service charge: $59.95 for the Standard plan, $69.96 for the Premier plan, or $89.95 for the HomePlus plan:

  • Standard: they'll contact the credit bureaus for you and challenge any items on them according to laws like FCRA and FACTA
  • Premier: they'll work with debt collectors and creditors in addition to the credit bureaus
  • HomePlus: they'll conduct the services in the Standard and Premier plans, along with disputing any questionable inquiries and recommend solutions specifically designed to help you qualify for a home loan. If you take out a home loan through one of the provider's approved brokers, you'll get a refund of every dollar you've paid to Credit Repair Consultants

This provider offers a 120-day refund policy on their enrollment costs: if negative items aren't satisfactorily removed from your credit report in the first 120 days or less, you can request a full refund of the enrollment fee. However, they'll keep $45 to cover the cost of ordering your credit reports.

Credit Repair Consultants also proudly proclaims that they offer a refund policy on your monthly fees. The catch? You have to be a customer for a full 12 months before you can request an evaluation of your account; if the service has successfully removed or improved your account, you may not get a refund at all. They will claim a credit of $60 for every deleted or improved item on your credit report, and then compare it to the fees you've paid. In other words, if you've paid for 12 months at nearly $60 and they've removed or improved 12 things on your credit report, you're not entitled to anything back.

Can you count on Credit Repair Consultants to deliver? Probably not. According to the BBB, they requested documentation from the service in 2013 and 2014, to show that they were in compliance with the FTC's standards for credit repair. As of our review, the BBB still hadn't received it. We also saw that it took the company more than 6 months to respond to a customer complaint online, and that the most recent articles in the "Credit Repair News" section of the website was from nearly two years prior to our review.

Expensive and unreliable? You don't need that when you're trying to repair your credit. We strongly recommend you choose a more responsive, affordable, and reputable credit repair service in our review.

Visit Site

Continued from above

Using a reputable credit repair company puts you back in control of your financial reputation. These services work on your behalf to reduce or eliminate any negative factors in your credit history, working directly with collection agencies, creditors, and even with the three primary credit bureaus. With the help of a credit repair company, you can improve your score and even put a stop to negative information being reported on your accounts. Most services take several months before you see measurable results on your credit report, so adjust your expectations accordingly.

With so many services advertised in the media and online, how can you tell if a credit repair company is reputable and effective? As you compare the various providers, here are several criteria to keep in mind:

  • Reputation. What do past and current users of the credit repair service have to say about the experience? Is the company accredited and/or rated by the Better Business Bureau?
  • Cost. What will you pay to fix your credit history? Should you expect a one-time fee or a monthly payment structure? How do the costs compare with other providers'?
  • Guarantee. Does the credit repair service guarantee that they will improve your credit score and/or history? Can you get a refund if you are unhappy with their service for any reason?

TopConsumerReviews.com has reviewed and ranked the best credit repair companies available today. We hope this information helps you find the right credit repair program that meets your needs and gets you on your way to an improved credit history!

Senate inquiry to grill credit repair industry after claims of exorbitant fees and no service

Unlicensed finance companies that offer to fix your bad credit rating or manage your debt will face a senate inquiry this week, amid claims they have been charging exorbitant fees for little or no ser...

Published:  Mon, 10 Dec 2018 15:11:00 GMT



14 Reasons Why You Should Sign Up for Credit Repair Today

[Disclosure: Lexington Law Firm advertises on Credit.com and Credit.com may receive compensation if you sign up for credit repair services with Lexington Law Firm.] Having a great credit score is ...

Published:  Wed, 05 Dec 2018 05:13:00 GMT



Navy Federal Improves Member Access to Credit-Building Credit Cards

VIENNA, Va.--(BUSINESS WIRE)--Navy Federal Credit Union recently made an update to its secured credit card to further improve member access to credit-building products. Building upon the card's market ...

Published:  Mon, 10 Dec 2018 14:47:00 GMT



Credit repair warning: How to avoid getting ripped off

Now to a new warning about services that promise to fix your credit. The holidays are a time when some of us may find ourselves with sky-high bills. But if you're looking for help, you should be caref...

Published:  Sat, 08 Dec 2018 13:41:00 GMT



Quality Credit Repair Offers Tips on Staying Debt-Free This Holiday Season

Philadelphia, PA -- (SBWIRE) -- 11/22/2018 -- As the trusted provider of debt relief services in Philadelphia, Quality Credit Repair is committed to offering their clients helpful information on maint...

Published:  Thu, 22 Nov 2018 06:23:00 GMT



Mortgage Credit Repair

You have more chance of your lender approving your mortgage or offering you low interest rates if you have a good credit score. Your credit score tells lenders how reliable you are as a borrower. The ...

Published:  Thu, 15 Nov 2018 16:00:00 GMT



Credit repair: Six top tips to improve your credit rating

Q: I've recently turned 25 and have been doing a lot of thinking about my finances and the steps I need to take to improve my overall financial situation. With some help from my mom I've set up a budg...

Published:  Mon, 05 Nov 2018 03:24:00 GMT



Share Us!    Share TopConsumerReviews.com on Twitter Share TopConsumerReviews.com on LinkedIn Share TopConsumerReviews.com on Google+ Share TopConsumerReviews.com on Pinterest

Home      About Us      Terms & Conditions      Privacy Policy      Contact Us      Disclosure