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Credit Repair vs Credit Assistance Network

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CREDIT REPAIR

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.

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CREDIT ASSISTANCE NETWORK

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.

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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:

  • 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!



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:

  • If you do your credit repair research online you avoid the annoying sales pitch from a pushy salesman that is most concerned about their next commission check.
  • Perform your research when it's most convenient for you, in the quiet of your home and without children playing or co-workers nearby.
  • The internet allows you to quickly identify the services of several credit repair companies at once. If you are looking for credit dispute offerings plus advice on how to improve your credit score long term you can easily identify what companies offer this level of service.
  • Knowing what several companies charge for their repair services provides you the knowledge to make an educated decision. Feel confident that you are improving your financial outlook and doing so while saving money over other providers.
  • The internet will allow you to read and educate yourself on the Fair Credit Reporting Act that governs credit agencies, promotes accuracy in reporting and regulates how negative information is reported and disputed.

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:

  • Make sure you identify a credit repair company with a solid reputation before considering it a worthy contender. Look for red flags like promises to wipe your credit clean with little effort, a request for a large payment upfront to cover costs, or discussions of creating a new identifier to fool the credit agencies.
  • Make sure you understand what you're signing up for. Will you be obligated to use the service for a specified period of time? Do they identify rules on how many disputes they will file in a specific period? Make sure you read the fine print and understand their policies before moving forward.
  • When you're working closely with your credit repair service you'll appreciate the convenience of companies that offer an online account for you to monitor the status of their efforts. Companies that require a lot of hand holding, phone calls, and emails are not going to be efficient.
  • You'll want credit repair company that puts the customer first. Companies that fail to return calls timely or are unprofessional on the phone are going to wear thin over time. Make sure you identify if your credit repair company of choice prioritizes the customer.

 



Credit Repair In The News

Fixing bad credit despite low income

The good news is that you don't need to pay huge amounts of money for the services of a credit repair company. You can repair it on your own. What follows are some of the things you can do to fix a ba...

Published:  Thu, 11 Oct 2018 10:15:00 GMT



Quality Credit Repair Offers over 20 Years of Credit Counseling Experience

Philadelphia, PA -- (SBWIRE) -- 09/28/2018 -- Good credit is one of the most important and powerful financial tools that one can have. A great credit score can open doors to a new and better apartment ...

Published:  Fri, 28 Sep 2018 05:11:00 GMT



CREDIT ADVISORS COUNCIL - CREDIT REPAIR KANSAS CITY PROVIDING CONSUMERS CREDIT COUNSELING SERVICES IN KANSAS AND MISSOURI

Lenexa, KS - Bad credit has the potential to ruin a person's financial well-being. It has the potential to shut financial doors on an individual and lead one to a life of perpetual financial struggle. ...

Published:  Wed, 26 Sep 2018 23:44:00 GMT



Credit Advisors Council - Credit Repair Fort Lauderdale Offers the Best Credit Repair and Counseling Services near Ft Lauderdale, FL

Lauderdale Lakes, FL - Thousands of Americans are faced with financial problems caused by a result of bad financial decisions which were made in the past. The financial decisions made, may, however, h...

Published:  Thu, 30 Aug 2018 13:39:00 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 informat...

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



Montgomery credit repair company shut down, accused of deception

MONTGOMERY, AL (WSFA) - A Montgomery credit repair company has been permanently closed for deceptive and illegal practices, according to Alabama Attorney General's Office. Attorney General's Steve Mar...

Published:  Mon, 30 Oct 2017 09:32:00 GMT



Global Credit Repair Services Market Size Growth 2025 Forecast Research Report 2018

Maharashtra, India -- (SBWIRE) -- 08/31/2018 -- The meticulous study on the global Credit Repair Services Market offers thorough perceptions covering the key development drivers and prominent trends, ...

Published:  Fri, 31 Aug 2018 00:30:00 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:  Mon, 09 Apr 2018 17:00:00 GMT




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