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      June 6, 2020

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Credit Repair vs Veracity Credit

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 Veracity Credit.

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

2020

Credit Repair Reviews

2 stars
Credit Repair

CREDIT REPAIR

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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.

Online credit repair dashboard

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.

Good education section

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.

Loss of credibility

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.

Failing grade

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.

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1 star
Veracity Credit

VERACITY CREDIT

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Cost:

$49-$79 per month

Sign-up fees of $69-$99

For several years, Veracity was a credit repair service that people could turn to. However, they've recently hit upon some hard times.

2 credit repair plans

According to their site, they continue to offer two plans for helping you improve your credit report:

  • Select: for a $69 sign-up fee that includes an analysis of your credit report (that you will need to provide) and then a $49 monthly subscription, Veracity will send dispute letters to all three major credit bureaus on your behalf.
  • Platinum: for a $99 sign-up fee that includes your credit report (that Veracity pulls for you) and a $79 monthly subscription, you'll also get priority processing (your account will be set up within 1 business day instead of 5-10 business days with the Select plan)

High fees

If you're thinking that it shouldn't cost $30 to pull your credit report, and then an extra $30 each month just to have your account set up more quickly, you're right! With most of the higher-ranked credit repair services in our review, it doesn't cost that much money.

Tax evasion and bankruptcy fraud

The Veracity site advertises that they're accredited by the Better Business Bureau. That may have been true in the past, but at the time of our review, this credit repair service was not accredited and actually had an "F" grade. Why? Company owners Daryl F. and Wendy M. Yurek were found guilty of tax evasion and bankruptcy fraud in 2017 and sentenced to serve time in jail.

Would you entrust this business with repairing your credit? We wouldn't either. Fortunately, there are much more trustworthy credit repair services, so we encourage you to look closer at the higher-rated services in our review.

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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!

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