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CreditRepair.com offers a broad scope of services ideal for all types of credit repair needs. However, the company has had past trouble with the CFPB which is a major red flag.
- Pros & Cons
- Key Takeaways
- Company Overview
Offers a free credit evaluation
Choose from three service levels
Robust educational library
Mobile app available
Option for in-house credit monitoring
Mixed customer reviews as well as CFPB issues
Lacks full pricing transparency
Limited monthly disputes
No money-back guarantee
- CreditRepair.com offers three service packages and one of the options costs $99.95 a month.
- Available services include credit disputes, credit monitoring, and financial planning tools.
- The company gets mixed reviews from past customers and has a history of trouble with the CFPB including complaints and a lawsuit.
CreditRepair.com began in 2012 and has offices in both Utah and Arizona. The company offers credit repair and credit monitoring services to customers in most locations across the United States. The company has helped over 830,000 people remove over 7.5 million negative items. Today, CreditRepair.com is owned by Progrexion, which also owns Lexington Law and Credit.com.
- Year Founded 2012
- Kinds of Credit Repair Service Credit disputes, monitoring, credit repair
- Fee Schedule Monthly with probable start up fees
- Monitoring Options In-house
- Customer Service Phone, email, mobile app
- Official Website www.creditrepair.com
One of the most well-known credit repair companies, CreditRepair.com has been helping consumers address credit disputes since 2012. But just because a credit repair company has spent decades in business doesn’t mean it offers the best services. While CreditRepair.com has a competitive range of plans, there are also a few red flags you should know about before you decide to enroll in credit repair services.
- Offers a free credit evaluation: Get a free online credit snapshot that includes your credit score, a summary of the negative items on your report, and suggestions for how to address them.
- Choose from three service levels: CreditRepair.com offers options for basic, moderate, or aggressive credit repair based on your needs.
- Robust educational library: Even non-customers can take advantage of the free credit information, videos, and interactive calculators at CreditRepair.com.
- Mobile app available: Download the free CreditRepair.com mobile app to track your progress and get alerts.
- Option for in-house credit monitoring: CreditRepair.com has in-house credit monitoring services. These services may be included in your plan.
- Mixed customer reviews as well as CFPB issues: CreditRepair.com gets mixed reviews from customers depending on what site you check. Additionally, the CFPB has sued the company and there are consumer complaints against it in the CFPB database.
- Lacks full pricing transparency: Pricing isn’t disclosed upfront on CreditRepair.com’s website, and you need to watch out for hidden fees. They do mention on of the plans has a $99.95 monthly fee, but they don't even say which one.
- Limited monthly disputes: Monthly disputes are limited depending on the plan you choose.
- No money-back guarantee: Many competitors offer a refund if they aren’t able to remove any items from your report, but CreditRepair.com doesn’t have a similar policy.
All About FICO Credit Scores
Types of Services
CreditRepair.com offers three service packages with tiered levels of service. These are designed with the idea that not all customers need the same level of support in repairing their credit; some may just have one or two errors to be corrected, while others are in need of a complete overhaul. This allows customers to save money by not paying for services they aren’t likely to ever use.
Creditrepair.com offers three different plans. With each plan you will get a different level of service. Between the three plans things like credit monitoring, number of disputes per month, what they will dispute, and the level of support and assistance you receive will differ. The plans are called basic, moderate, and aggressive.
Creditrepair.com doesn't offer many add-ons or optional services. However, they do have an option called Quickstart service that starts the process faster in exchange for a one-time fee. However, their site has no information about it and you have to go to the checkout page to see it.
Pay close attention as you’re completing the checkout process on CreditRepair.com. The company automatically checks the box selecting Quickstart, and unless you uncheck it, you’ll be charged an extra $14.99 for a service that you may not want or need.
CreditRepair.com’s main customer service touchpoints are via email and phone. Phone service is available between Monday through Friday from 6 a.m. until 10 p.m. MST and during shorter hours on the weekend.
Customers can also download a mobile app for easier access to their account dashboard and credit score tracker. The app is available for both iOS and Android and gets positive ratings at both stores with a 4.7 at Apple and 4.5 at Google.
CreditRepair.com’s services appear to offer good value with a broad range of services. Customers seemed to have mixed opinions about this. The company receives a broad range of scores high, middle, and low depending on which source of costumer reviews you check.
More worrisome is that CreditRepair.com has been the subject of six complaints with the Consumer Financial Protection Bureau in the past three years. Even worse, it was sued by the agency in 2019. According to the lawsuit, CreditRepair.com and another firm owned by the same holding company, Lexington Law, both violated telemarketing laws and charged illegal credit repair fees before any service had been rendered. This violates the Credit Repair Organizations Act, which states credit repair companies cannot collect payment before providing their services.
If you have a complaint about the services of a credit repair company, you can file a complaint with the FTC or call 877-FTC-HELP.
None of CreditRepair.com’s service plans are subject to contracts, meaning you can cancel anytime without penalty. According to the company, most customers need to pay membership fees for an average of six months to see results.
CreditRepair.com offers three services levels, but they only publicize on their site that one option costs $99.95 per month.
To stay in compliance with the Credit Repair Organizations Act, CreditRepair.com calls its first month of membership fees a “first work fee.” This is because credit repair companies aren’t allowed to start charging monthly fees until they’ve already begun performing work. From a practical standpoint, this doesn’t change anything for the consumer, but it’s something to be aware of as you’re signing up for credit repair.
The Competition: CreditRepair.com vs. The Credit Pros
No two credit repair services are the same. To gauge how CreditRepair.com stacks up against the competition, we pitted it against The Credit Pros. Credit Pros offers more comprehensive services, but it's prices seem to be a bit higher as two of their three plans cost more than the one published price we have for CreditRepair.com.
While The Credit Pros is higher in price, we find the difference justified. All packages include credit monitoring and identity theft protection. The Credit Pros will also submit unlimited disputes on your behalf. Finally, The Credit Pros offers financial management tools to all of its credit repair customers that CreditRepair.com doesn’t match. These include bill payment reminders, a budgeting system, and automatic syncing with your open accounts.
|CreditRepair.com||The Credit Pros|
|Services Offered||Credit repair, monitoring||Credit repair, monitoring, identity theft protection, budgeting|
|Customer Service Touchpoints||Phone, email, client portal, mobile app||Phone, email, client portal, mobile app|
|Upfront Fee||Contact company for complete pricing information||$119 to $149|
|Monthly Fee||One option costs $99.95, contact company for complete pricing information||$69 to $149|
Looking at CreditRepair.com’s plans and services, it seems to provide much better value than competitors do, especially considering the offering of credit monitoring as well. However, we’re highly concerned with the volume of customer complaints and CreditRepair.com’s history of facing legislation from the Consumer Financial Protection Bureau. It’s best to proceed with caution with this company.
How We Review Credit Repair Companies
We assess a variety of factors to review credit repair companies, using a quantitative scoring system to assign each a total score out of five possible points. Our method looks at the services offered by each company, including the number and variety of plans available and their value in terms of pricing. We also look at each company’s reputation among customers and with third-party agencies such as the Consumer Financial Protection Bureau. Finally, we walk through the customer purchasing experience to see what you can expect if you decide to enroll in credit monitoring services.
Learn more: Read our full Credit Repair Review Methodology here.