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Credit Repair vs Credit Repair Consultants

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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 REPAIR CONSULTANTS

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:

  • Standard: they'll contact the credit bureaus for you and challenge any items on them according to laws like FCRA and FACTA
  • Premier: they'll work with debt collectors and creditors in addition to the credit bureaus
  • HomePlus: they'll conduct the services in the Standard and Premier plans, along with disputing any questionable inquiries and recommend solutions specifically designed to help you qualify for a home loan. If you take out a home loan through one of the provider's approved brokers, you'll get a refund of every dollar you've paid to Credit Repair Consultants

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.

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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 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:

  • 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

Stretching Your Dollar: What can you do to repair your credit rating

TOLEDO (WTOL) - Everyone wants to have good credit. Most of us are in the range between 600 and 750, with a number above 700 the best to have. But, how can you repair your credit rating after the dama...

Published:  Mon, 15 Oct 2018 14:45:00 GMT



HOW TO REPAIR YOUR CREDIT AFTER DIVORCE

One of the more practical concerns many people face after a divorce is their credit score. Between marital debt, financing a household on one income, and establishing new credit in your own name ...

Published:  Thu, 18 Oct 2018 10:53:00 GMT



Digital Debt Collection: How To Survive Collection and Repair Bad Credit

The next time you speak to a debt collector, you might find yourself negotiating with a computer. And you might actually prefer that. Consumers buy toothpaste and bread without talking to a person.

Published:  Mon, 15 Oct 2018 19:28:00 GMT



In a zero-waste society, people will need to share and repair

p) (p)(img class="@alignleft@" title="People need to learn how to repair items again, says Felipe Maya. Image credit - Felipe Maya " ...

Published:  Mon, 15 Oct 2018 01:42:00 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




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