TopConsumerReviews.com is a world-leading consumer product review site. We provide detailed reviews and ratings for thousands of products and services.
Our professional reviewers evaluate products and services independently, but Top Consumer Reviews may earn money when you click on the links on our pages. Learn more.
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.
Credit Assistance Network is one of the few credit repair providers that offers a pay-as-you-go pricing structure. You'll make an initial payment of $179 (or $279 for a couple), which gets you access to one -on-one consultations with a certified FICO professional, debt validation/goodwill letters to creditors, cease and desist letters to collection agencies, and unlimited disputes. From there, you'll be charged for every deletion CAN is able to achieve on your account - $50 for confirmed deletions per bureau, and $70 for deletions from public records. That could add up very quickly, if you have multiple issues on your credit history.
You'll also be expected to provide your credit history to Credit Assistance Network, at your own cost; it's not included with their repair services.
Will you get effective credit repair services from Credit Assistance Network? Their reputation is puzzling. On the one hand, they've been in the industry for more than 10 years and have only positive reviews on the Better Business Bureau website - and yet, their rating with the BBB is only a mediocre "C+". We also felt misled by the CAN website, which said that their rating was a flawless "A+". Can you trust a company to repair your credit if, from the very start, they're not fully honest with their own reputation?
Or, maybe this provider doesn't update their site very frequently: at the time of our review, their most recent blog post was nearly 5 years old. But, again, should you choose a credit repair company that doesn't stay current - with new regulations affecting consumers and their credit scores? Probably not.
In this provider's FAQ, it states, "We our experts." Typos, misinformation about a BBB rating, and expensive a la carte-type pricing are all reasons for Credit Assistance Network's low ranking among businesses offering credit repair services. You'll have a much smoother, effective experience elsewhere.
Best Credit Repair Companies
To help you find the Best Credit Repair Services, TopConsumerReviews.com provides you with an in-depth comparison of Credit Repair and Credit Assistance Network.
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
Dealing with bad credit is a nightmare, especially when you don't have the slightest idea of how to repair your credit. Well, that's a common issue and you don't need to worry about it. Even if you fe...
Published: Tue, 20 Mar 2018 17:00:00 GMT
- View Full Site -
Reproduction in whole or in part in any form without the express written consent of TopConsumerReviews.com, LLC is strictly prohibited.