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      June 18, 2018

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Credit Repair 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 Repair and Credit Repair Consultants.

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

4 stars
Credit Repair

CREDIT REPAIR Visit Site

Cost:

$12.99 initial fee for credit reports

$89.95 per month thereafter

Credit Repair is a Florida based company that has been in the business of helping consumers improve their credit since 1997. Credit Repair has partnered with TransUnion and Equifax, the two largest credit reporting agencies, to provide the most efficient and informed assistance.

The Credit Repair process involves three steps in getting results. Upon signing up, Credit Repair instantly pulls a credit report to identify potential problems and identifies the customers goals. The second step includes challenging the banks and finance companies with reporting inaccuracies. Credit Repair also follows up with the credit reporting agencies to confirm that corrections were made. The last step is to make sure your credit score improves.

Credit Repair stands out from the crowd with their interactive and helpful tools. Customers appreciate the online and mobile access to monitor progress, the customized game plan, monthly credit reports and quarterly updated credit scores, credit alerts, identify theft insurance, friendly, expert customer service team, and straightforward pricing. Credit Repair's services do not come with contracts or hidden fees.

Credit Repair delivers results. Historical reporting shows that customers with Credit Repair typically see 7% of their questionable credit reporting problems resolved each month. Credit Repair charges customers an upfront fee for the initial credit report and then a fixed monthly fee for continued services.

Credit Repair not only provides credit repair services but on going proactive measure to help keep you out of financial trouble that might impact your ability to get a mortgage, buy a car and more. Additional tools at this website include an extensive library of financial related articles and education including credit improvement, loans, debt solutions, identity theft, savings and more.

Credit Repair offers callers a free credit consultation, which includes a free credit report and credit score. While Credit Repair is a little pricey, we think they're well worth it. This company is a full service credit repair and financial improvement center. We liked the multiple services related to improving and maintaining a healthy credit report. If you are in the market for a credit repair service Credit Repair is worth a long look.

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1 star
Credit Repair Consultants

CREDIT REPAIR CONSULTANTS Visit Site

Cost:

$189 enrollment application

$35 - $65 monthly service fee

As a member of the BBB Online, Credit Repair Consultants (CRC) promises "no-compromise credit report repair" in the first 120 days or less, or you will be offered a partial refund. The enrollment application fee comes with the "Credit Repair Consultants' Guide to Your Credit Score" booklet, welcome and orientation communication, the order of your credit reports for you, and your first hour of consultation with a credit consultant. You can sign up online without being billed until your first services have been performed.

CRC provides a fairly comprehensive FAQ page online, and a very long but extremely informative page specifically about credit scores; what they mean and how they affect your ability to borrow and buy. This would be CRC's strongest selling point, as very few of the other credit repair services reviewed provide as detailed information on credit scoring. What CRC doesn't have going for them is straightforward, affordable service; no other credit repair business reviewed charges clients for obtaining credit reports, which you actually have to do for yourself, or by deletion as opposed to monthly.

Even if they're service is impeccable and their able to remove 4-5 negative items from your credit report a month, that's a monthly cost of $125 on top of a partially non-refundable fee of $189. (And they are the ones handling the invoicing of the deletions.) In addition, some of the language they use to describe both their services and fees is contradictory.

We feel you can obtain better service at a better price with one of the top-rated services in our review.

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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!

Avoiding credit repair scams

LAKE CHARLES, LA (KPLC) - Each year, hundreds of thousands of Americans find themselves in financial ruin and many often turn to third parties, like credit repair organizations, for help. But according to the Lake Charles Better Business Bureau, many ...

Published:  Fri, 01 Jun 2018 20:26:00 GMT



Can Credit Repair Companies Really Improve My Credit Report

The answer is maybe -- but they can't do anything that you couldn't do yourself, for free. Anything on your report that's bringing down your credit score is going to stay on, if it's accurate information. So if a credit repair company promises to remove ...

Published:  Wed, 02 May 2018 14:00:00 GMT



Key Credit Repair Launches New Website

The top-rated credit repair service offers solutions for individuals who have negative or incorrect information on their credit history. An unlimited number of disputed items can be removed permanently and completely. Boston MA - April 16, 2018 - Key ...

Published:  Mon, 16 Apr 2018 02:23:00 GMT



How to Repair Your Credit When You're Still in College

If you're in college, you're probably already worrying about getting good grades, covering your living expenses, and repaying student loans when you graduate. So, worrying about your credit score might not be your biggest concern. But it should be.

Published:  Tue, 06 Mar 2018 03:43:00 GMT



Four Credit Repair Agencies Accused Of Misleading Customers, Charging Illegal Fees

Four different "credit repair" operations have been ordered to pay a total of more than $2 million in penalties for allegedly tricking people into thinking their bad credit could be easily fixed. The Consumer Financial Protection Bureau announced today ...

Published:  Tue, 27 Jun 2017 11:12:00 GMT



$2-million settlement ends accusations that L.A. credit-repair firms misled consumers

Credit-repair services promise to help consumers fix their credit scores, but there's only so much they can do. They can help clear up inaccurate or outdated information on a consumer's credit report, but they can't erase legitimate dings. But the Consumer ...

Published:  Wed, 28 Jun 2017 04:30:00 GMT



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