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Credit Firm vs Credit Assistance Network

Best Credit Repair

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

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

Your credit score and credit history are extremely important pieces of information. They are used to determine how much home you can afford; what your payments will be on your car; whether you qualify for credit cards; and even how much you'll pay for auto insurance.

Many times, however, people find their credit history contains negative information. This can range from late payments or too many credit inquiries, to collection agencies or inaccuracies. This negative information can restrict your purchase options and drive up your costs.

Continue reading below reviews

Best Reviews

2018

Credit Repair Reviews

3.5 stars
Credit Firm

CREDIT FIRM Visit Site

Cost:

$39.95 per month

Credit Firm is a professional credit repair service that has helped over 60,000 consumers in all 50 states to improve their credit scores since their inception in 1997. As one of the leading credit repair companies in the nation, Credit Firm offers aggressive assistance with removing bankruptcies, judgments, tax liens, collections, late payments, repossessions, foreclosures and other harmful items from the credit reports of their clients. Their goal, of course, is to greatly improve the credit scores of their clients.

Credit Firm offers prospective clients free credit consultation up front so that they may determine the specific credit goals of each client. A debt consultant tailors each credit improvement plan to the goals of each client, whether that goal is buying a house, a car, or just improving the raw credit score. This personal focus was something we didn't see with all other credit repair services and is an important factor as every client's needs are different.

Easily found on the Credit Firm website is a list of actual results of real clients, as well as statistics showing the average client has 10 negative credit items removed from their credit reports after the first three months, and 30 items removed within the first year. Credit Firm also has an impressive list of industry credentials displayed on their website. They received an A- from the Better Business Bureau, and are also verified by SiteLock, Comodo SSL confirm, Authorize.net and Trustwave. Additionally, there are dozens of testimonials from satisfied customers telling their stories of improved credit after using Credit Firm's credit repair service. Customer satisfaction seems to be quite high and 9 out of 10 of their former customers said they would recommend Credit Firm to their friends and family.

The process at Credit Firm is simple. Clients can sign up online or call their toll free number to work with a credit repair specialist to get their account opened. After that, clients must forward a copy of their current credit report to their credit repair consultant at Credit Firm. Then Credit Firm begins working directly with each client's creditors to remove negative items and begin repairing their credit.

There are no hidden fees with Credit Firm. Included with the monthly fee are unlimited credit bureau challenges, inquiry challenges, debt validations, escalated information requests and cease and desist requests. Everything is included in the monthly service fee, which is lower than most of the other credit repair services we reviewed. There is also an excellent educational section with detailed explanations on what a credit report is, how it can affect personal finances, where copies of credit reports can be obtained, and tips on best practices for clients to keep their credit scores high. Credit Firm offers a very complete, reliable credit repair service for an excellent value, and we encourage anyone with credit repair needs to consider this company.

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3 stars
Credit Assistance Network

CREDIT ASSISTANCE NETWORK Visit Site

Cost:

Startup fee: From $47 to $399

Monthly fee: From $47 to $139

Credit Assistance Network is a Florida based company that has been in the business of "credit improvement" since 2004. They currently hold an A+ Better Business Bureau and a 5 star Trust Link ratings. Credit Assistance Network states that they maintain 100% compliance with the Credit Repair Organizations Act. The also state that they prefer to call their services "improvement" over "repair" as it allows customers to have more realistic expectations of what can legally be achieved through their efforts.

The Credit Assistance Repair process is very straightforward:

  • You complete a quick online form that identifies your name, email and phone number, briefly identify your credit problem and your financial goals
  • A credit specialist will call to discuss
  • Credit Assistance Repair determines if they can and will assist you
  • Credit Assistance will mail a dispute letter to all 3 reporting agencies for 45 items or less
  • You must forward any letters and revised reports from creditors and reporting agencies back to Credit Assistance Network

Credit Assistance offers online access to your file to monitor progress, upload required documents and to communicate with the company. They offer two different programs to choose from based on the consumer's needs. The one-time setup fee ranges from $47 to $399. Customers can expect monthly charges between $47 and $139. Credit Assistance estimates that most customers require 6 months of assistance with a total payment of $729, on average. Unfortunately, Credit Assistance requires you speak with a representative before identifying which level of service you'll need and how much that will cost. We would have liked to have seen the "gold" and "silver" plans clearly outlined in writing.

The representatives at Credit Assistance Network are friendly and helpful. However, we were a little concerned that this company doesn't offer a money back guarantee. We also had some concern with the higher set-up fees and monthly charges. These could far exceed the cost of many of the other companies reviewed.

Overall, Credit Assistance Repair has a strong history of assisting customers with their credit repair needs. We felt that their pricing was not as transparent or affordable as companies ranked higher.

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Continued from above

A good credit repair service will take on these negative items in your credit history and work to remove them or reduce their severity. They can work directly with the credit bureaus, your creditors, and collection agencies, and use a variety of tactics to get them to stop reporting negative information.

Unfortunately, there seems to be just as many fraudulent credit repair firms running scams as there are legitimate credit repair services. There are a number of features to consider when comparing credit repair services. Some of these include:

  • Effectiveness.  Do they have a successful track record of improving credit scores?
  • Cost.  How do their fees compare with other credit repair services?
  • Guarantee.  Do they back up their service with a refund policy?

TopConsumerReviews.com has reviewed and ranked the best credit repair programs available today. We hope this information helps you reestablish your good credit right away!

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