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E Credit Attorney vs Credit Repair Consultants

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E CREDIT ATTORNEY

eCreditAttorney's pricing is simple: $29 per month. For that fee, your credit repair service should include addressing late payments, collections, bankruptcies, tax liens, repossessions, judgments, foreclosures, charge-offs, garnishment, even identity theft/fraud. You're expected to provide a current copy of your most recent, updated credit report; it's not included with the fees that you pay. Side note: the link provided by eCreditAttorney for their "preferred credit score provider" took us to an invalid page - not very encouraging.

This provider offers a "performance-based refund policy": after you've been a client in good standing for 6 months, you can request a full evaluation of any progress they've made in repairing your credit. For every improvement or deletion they've made, eCreditAttorney will count it as a $95 value. If the total of monthly fees you've paid exceeds the value of $95 per improved/deleted item, you'll get a refund of the difference. Do the math, because that's not a fantastic deal: at $29/month, eCreditAttorney would only have to make two improvements or deletions over the course of 6 months to demonstrate adequate "performance".

eCreditAttorney has a rock-bottom rating with the Better Business Bureau: F. According to the BBB, the provider has failed to respond to numerous customer complaints in the past three years. Customers describe getting no response from anyone at the company, even after multiple emails and phone calls, and worse - no progress on improving their credit reports after months of paying fees. Why would anyone entrust their credit repair to a company that can't even do a minimal job of keeping their customers - and the BBB - satisfied? You'll have a more positive experience with another service.

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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 E Credit Attorney 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

HyreCar and Sansone unite to expand credit repair and ridesharing vehicle availability

HyreCar and Sansone Jr.'s 66 Automall are collaborating to help consumers with soft credit histories who are looking to drive for programs such as Uber and Lyft. On Tuesday, HyreCar, the carsharing ma...

Published:  Tue, 11 Dec 2018 18:08:00 GMT



Dealer Partnership Offers Free Credit Repair Services to All Uber and Lyft Drivers in New Jersey and Pennsylvania

HyreCar Inc. HYRE, +18.76% the carsharing marketplace for ridesharing, today announced that it has launched a free credit repair program for new rideshare drivers in New Jersey and Pennsylvania in con...

Published:  Tue, 11 Dec 2018 04:04:00 GMT



Senate inquiry to grill credit repair industry after claims of exorbitant fees and no service

Unlicensed finance companies that offer to fix your bad credit rating or manage your debt will face a senate inquiry this week, amid claims they have been charging exorbitant fees for little or no ser...

Published:  Mon, 10 Dec 2018 14:12:36 GMT



Credit repair warning: How to avoid getting ripped off

Now to a new warning about services that promise to fix your credit. The holidays are a time when some of us may find ourselves with sky-high bills. But if you're looking for help, you should be caref...

Published:  Sat, 08 Dec 2018 13:41:00 GMT



Navy Federal Improves Member Access to Credit-Building Credit Cards

VIENNA, Va.--(BUSINESS WIRE)--Navy Federal Credit Union recently made an update to its secured credit card to further improve member access to credit-building products. Building upon the card's market ...

Published:  Mon, 10 Dec 2018 14:47:00 GMT



Watch live: Russian spacewalk begins to inspect Soyuz leak repair

and have detected no unexpected pressure changes since the hole repair. NASA released this photo of the puncture in the Soyuz spacecraft's orbital module. Credit: NASA The Soyuz habitation ...

Published:  Tue, 11 Dec 2018 08:18:00 GMT



Quality Credit Repair Offers Tips on Staying Debt-Free This Holiday Season

Philadelphia, PA -- (SBWIRE) -- 11/22/2018 -- As the trusted provider of debt relief services in Philadelphia, Quality Credit Repair is committed to offering their clients helpful information on maint...

Published:  Thu, 22 Nov 2018 06:23:00 GMT



Credit repair: Six top tips to improve your credit rating

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




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