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At first glance, the Credit Firm website might have you thinking they're not the ideal credit repair service: there are no bells and whistles, the style of the site is somewhat outdated, and there's no up-to-the-minute blog giving you the latest information on consumer finance.
But, if you're looking for straightforward pricing - $49.99/month, with no setup fees, cancel anytime - with a company that maintains an A+ rating at the Better Business Bureau, Credit Firm could be what you want. Although you'll have to provide a credit report (or possibly pay Credit Firm to get it for you), your credit repair program is all covered by the monthly fee. Your monthly service includes the following:
According to Credit Firm, they've helped more than 60,000 clients to improve their credit scores in the last 15 years. We found many positive reviews from some of those customers; comments often mention how much they appreciate the simple, affordable pricing, and that the services offered are effective in improving their credit scores.
Other than updating their website, Credit Firm could rank higher among credit repair companies by offering a satisfaction guarantee. While $49/month is affordable and the service is easy to cancel, this provider could take it a step further by letting customers know that they're committed to achieving a specific level of results within a given timeframe.
Overall, however, Credit Firm does a good job of repairing customers' credit scores for a price they can afford. They should definitely be on your list of providers to consider if you want simple pricing and a good reputation from your credit repair service.
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:
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.
Best Credit Repair Companies
To help you find the Best Credit Repair Services, TopConsumerReviews.com provides you with an in-depth comparison of Credit Firm and Credit Repair Consultants.
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.
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:
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!
Choosing a Credit Repair Company
If your credit score needs some professional help here's how to search for a quality credit repair company.
Start at the Computer
Searching online for a credit repair company provides many benefits in finding and choosing the right service provider for you and here's why:
Look for These Characteristics
When searching for the best credit repair company look for the following characteristics in a quality company before making your selection:
Credit Repair In The News
It took me nearly four years of credit repair before I cracked 700, which is average credit. It took me another three years before I was able to crack the 800 barrier for the first time. Currently, my ...
Published: Mon, 18 Feb 2019 23:10:00 GMT
February 04, 2019 - - Zorro Credit Repair has announced that they are opening a new office in Chicago, Illinois. With the new office for credit repair Chicago residents can get professional help in ge...
Published: Mon, 04 Feb 2019 12:22:00 GMT
An old friend not only was a victim of credit fraud this past year, but his family's passports also were stolen just two weeks before a long-awaited Christmas vacation. Stuart, 60, took all the right ...
Published: Sun, 06 Jan 2019 02:26:00 GMT
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
Memphis, Tenn. - Credit repair companies claim to help consumers quickly boost their credit score, but a News Channel 3 investigation found customers who claimed they made a costly mistake. WREG also ...
Published: Thu, 15 Nov 2018 19:14:00 GMT
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 migh...
Published: Mon, 05 Mar 2018 16:00:00 GMT
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