Best Reviews TopConsumerReviews.com Best Credit Repair Companies Best Reviews
Best Reviews
      August 15, 2018

Home  >  Credit Repair  >  Credit Repair vs E Credit Attorney

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

Coffee Clubs

Company Incorporation

CPA Exam Reviews

Credit Repair Companies

Home Warranties

Meal Delivery Programs

Medical Alert Systems

Mobility Scooters

Pet Insurance

Whiskey Clubs

 

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 Repair vs E Credit Attorney

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 E Credit Attorney.

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

2 stars
Credit Repair

CREDIT REPAIR Visit Site

Cost:

$99.95/month

Credit Repair looks like an incredible service for fixing your credit history. For $99.95/month, this provider will pull your credit report and help you identify which items you want to change or challenge - building a plan with you instead of creating an arbitrary strategy without your input.

From there, Credit Repair's experts work with credit companies to implement your plan, and then they verify with the credit bureaus to make sure that those changes actually take effect. You can track your progress through your personal online dashboard and a mobile app, where you'll also see your score tracker and analysis of the changes to your credit profile.

You'll also find great resources in the Education section of the site. Want to know how bad credit affects you, or how to get your free credit report? You'll find that information here, along with an up-to-date blog, tools to help you in your financial planning, and much more.

Unfortunately, Credit Repair has lost some credibility within the industry. Why? According to the Better Business Bureau, the company was asked to prove their claims that the average customer sees progress every month while using their services - even seeing improvements in the neighborhood of 7% of questionable credit report negatives being taken off their credit reports every 30 days. As of the date of our review, the BBB was still reporting that they had not received proof of those advertising claims. Those claims are still prominently featured on the Credit Repair website.

While we did find quite a few customer reviews that said their credit scores improved reliably over time using the Credit Repair service, it's hard to recommend a business that has an "F" grade at the BBB because they didn't take the time to prove that their advertised claims were legitimate. If those facts are accurate, it should be a simple process to report them and clear up the concern at the BBB. If that happens in the future, Credit Repair will probably move up in the rankings among the services we reviewed; until then, we suggest you look at some of the higher-rated companies for your credit history improvement plan.

Visit Site

1 star
E Credit Attorney

E CREDIT ATTORNEY Visit Site

Cost:

$29/month

No setup fees

eCreditAttorney's pricing is simple: $29 per month. For that fee, your credit repair service should include addressing late payments, collections, bankruptcies, tax liens, repossessions, judgments, foreclosures, charge-offs, garnishment, even identity theft/fraud. You're expected to provide a current copy of your most recent, updated credit report; it's not included with the fees that you pay. Side note: the link provided by eCreditAttorney for their "preferred credit score provider" took us to an invalid page - not very encouraging.

This provider offers a "performance-based refund policy": after you've been a client in good standing for 6 months, you can request a full evaluation of any progress they've made in repairing your credit. For every improvement or deletion they've made, eCreditAttorney will count it as a $95 value. If the total of monthly fees you've paid exceeds the value of $95 per improved/deleted item, you'll get a refund of the difference. Do the math, because that's not a fantastic deal: at $29/month, eCreditAttorney would only have to make two improvements or deletions over the course of 6 months to demonstrate adequate "performance".

eCreditAttorney has a rock-bottom rating with the Better Business Bureau: F. According to the BBB, the provider has failed to respond to numerous customer complaints in the past three years. Customers describe getting no response from anyone at the company, even after multiple emails and phone calls, and worse - no progress on improving their credit reports after months of paying fees. Why would anyone entrust their credit repair to a company that can't even do a minimal job of keeping their customers - and the BBB - satisfied? You'll have a more positive experience with another service.

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!

A detailed understanding of debt consolidation law and credit repair

At some points of life, for many people debt sounds no less horrible than a nightmare. Almost everyone has to undergo a tough debt situation where they have to deal with a lot of financial planning. D...

Published:  Mon, 13 Aug 2018 12:43:00 GMT



11 Ways You're Sabotaging Your Credit Repair Efforts

Free credit freezes are almost here: What you need to know Mediafeed Recent posts by Progrexion Facebook: @Progrexion Like Page Congratulations to our newest group of #WickedTalented employees in Phoe...

Published:  Fri, 10 Aug 2018 08:15:00 GMT



The Myth Of Credit Repair

The ads from credit repair companies pop up everywhere-on telephone polls, in newspapers, on TV and radio, in your email and on the internet. You'll see similar claims over and over. But can credit re...

Published:  Thu, 02 Aug 2018 17:00:00 GMT



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 accordin...

Published:  Sun, 05 Aug 2018 17:00:00 GMT



Quality Credit Repair Encourages Philadelphians to Give Their Credit a Check-Up Before Summer

Philadelphia, PA -- (SBWIRE) -- 07/03/2018 -- Men and women who have not been monitoring their credit throughout the year are being encouraged to seek a credit check-up from Quality Credit Repair this ...

Published:  Tue, 03 Jul 2018 05:13:00 GMT



Current Laws Concerning Credit Repair Companies in Illinois

Credit repair can be a saving grace for individuals in Illinois who have poor credit histories. While some items on your credit report can't be removed until they expire, other issues can be resolved ...

Published:  Sat, 07 Jul 2018 14:08:00 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