CreditRepair.com has a mission statement that explains how they’re focused on “empowering every individual to achieve the credit scores they deserve and enjoy a lifestyle of greater opportunity.” This is a simple, but powerful statement that embodies the true importance of credit in our lives.
Our CreditRepair.com review will help you see how this company can help you rebuild and repair your credit if it’s lower than you would like. Financial health is practically required to enjoy a high quality of life. You need a good credit score to achieve milestones in your life like buying a car, house, or even paying for a wedding. Let’s find out how CreditRepair.com can help you do these things.
- Average increase of 40 points in 4 months
- 24/7 credit alerts & monitoring
- Personalized planning to improve your credit
How is CreditRepair.com Different From Other Credit Repair Companies?
CreditRepair.com has been around for fifteen years, and in that time they’ve done a lot of things to differentiate themselves from the other credit repair services. Not only do they provide high-quality assistance with rebuilding and removing negative elements from credit reports, but they also seek to help their clients for positive credit habits that will continue to help them raise their credit scores.
That’s the beauty of an approach like this one. Credit cleanup companies aren’t meant to be a permanent solution. They provide a service that can help you recuperate and regain your lost credit, while also giving you the tools and the knowledge you need to make a change in your lifestyle.
This will create a long-lasting solution that can help you realize your financial health and the various lifetime milestones that come with it. All of this begins with removing negative elements on your credit report, but as their website states they are “focused on the story behind that credit score and helping rewrite it to reflect who you are today.”
That’s the difference. They want to help you make lasting change in your finances and your habits, so you can enjoy all the things a strong credit score offers.
CreditRepair.com Features & Options
From the moment you arrive on the website, you’ll find that there are several positive features that CreditRepair.com offers:
- Free personalized consultations
- Free access to a credit report summary
- Free credit audit on all of your accounts
- Free score evaluation and recommend actions to take
The website layout is extremely user-friendly and allows you to see exactly how the company works to rebuild your credit by disputing unfair or inaccurate items on your credit report. You can also easily find the previous results that they’ve had with their clients.
CreditRepair.com is also very mobile-friendly. They allow you to download your reports to tablets and smartphones, so you can monitor your progress with disputes on-the-go. The main features that the company offers are as follows:
1. Repair Prior Issues
Your credit score is greatly affected by the events that occurred in the past. These items can stay on your report anywhere from 7 to 10 years. In many cases, it’s possible to have some of these items removed. In addition, there are also errors that sometimes creep up over the years or duplicate items.
CreditRepair.com works with you by helping to amend this history and repair the items that can be removed or altered on your official reports. In this way, your report can reflect who you are know, and not what happened in the past.
2. Monitor Your Current Status
CreditRepair.com also offers 24/7 monitoring and & alerts that are provided by TransUnion. These keep you fully aware of changes happening to your credit in real-time. This information is also mobile-compatible, giving you the option to check it on the go.
3. Create a Positive Future
In keeping with the overall mission of CreditRepair.com, the ultimate goal is to provide you with tools and knowledge that you can use to create a better future for yourself and a build positive habits around your credit. This will ensure that you’re prospering long after the credit repair process is completed.
As part of this future, you’ll find that you have access to things like mortgage financing, car loans, credit cards, and lower interest rates. All of these things contribute to a more fulfilling lifestyle. In some cases, employers will also run credit ratings when they decide on hiring someone as well.
On average, CredRepair.com clients have seen 7% of their credit report negatives removed each month. This created a steady improvement on their credit scores, with up to 21 items removed in three months.
This isn’t the highest number we’ve seen, but it’s still impressive in the sense that it counts disputes that were resolved in the client’s favor. To achieve these results, CreditRepair.com creates a unique and personalized game plan for each of its clients. This allows them to use their skill set to showcase progress of some level each month.
In terms of pricing, CreditRepair.com prices for credit repair have a flat monthly fee of $99.95 per month. Let’s review quickly. These are the features you’ll have access too as a member, in addition to the standard credit repair services:
- A personalized online dashboard
- Score tracker and analytics
- Mobile apps
- Text and email alerts
- Credit monitoring from TransUnion
The Credit Cleanup Process at CreditRepair.com
Credit repair companies achieve success by pinpointing and disputing elements of your credit report that don’t fall into the right granted by you through credit laws like the Fair Credit Reporting Act. Under this law, you are guaranteed credit reports that are fair, accurate, and substantiated.
Credit repair disputes elements that don’t obey this law and help you remove them by pointing out the mistake to creditors and the credit bureaus. They also provide evidence and supporting documents to back up their claims.
This allows negative elements that would otherwise be present on your report for seven years of or more, to be removed. This alone can help boost your credit score. Knowing this process, let’s take a look at CreditRepair.com’s process that it uses.
1. Check
The first step begin immediately when you sign up for their services. CreditRepair.com will pull the reports in your name from the three credit bureaus: Equifax, TransUnion, Experian. Since these bureaus all do independent data gathering, pulling your report from each one is important.
There can be discrepancies between the three reports. By examining all three, CreditRepair.com can easily spot negative elements that shouldn’t be there. Through this, they will build a unique plan for you and your needs.
2. Challenge
Once you’ve found elements on your credit report that don’t belong, it’s important that you have an expert by your side. Not only will an untrained eye miss opportunities, but it’s also easy to get overwhelmed by all the potential evidence and laws that are on your side.
The experts at CreditRepair.com are trained to use all these things in your favor. They will reach out to creditors and the bureaus. In some cases, simple communication with your credit card company can produce results, but otherwise dispute letters will be sent to the bureaus.
At this point, they have 30-days to respond to your dispute. In the event that the dispute is denied, it’s possible to regroup and submit the letter with new evidence.
3. Change
Finally, we have the step where you notice real results. While everyone’s case is different, and results are not guaranteed in any specific time frame, CreditRepair.com does a great job of giving you the tools you need to keep a close eye on the status of your credit repair.
As time goes on, these tools will help you form habits that help you continue building credit and managing your debt in ways that are beneficial to your long-term financial health.
Frequently Asked Questions About CreditRepair.com
The concept of credit repair sounds amazing to someone who is in desperate need of a boost in their credit score. Unfortunately, this leads to many companies trying to scam people by making lofty promises about results in 30-days or guaranteeing a specific increase in credit score points.
While these things are illegal, they still happen. That’s why we recommend doing your research and checking our reviews for the most ethical and respected credit repair companies. CreditRepair.com most certainly falls into this category as a company we highly recommend.
Before you begin using them, let’s take a look at some questions about credit repair that people tend to have, so you better understand what to expect.
1. Why Should I Use a Credit Repair Service?
The easiest way to judge the value of credit cleanup is to look at the world we live in. It’s amazing how little we think about it, but our credit affects every aspect of our daily lives. Even if you have okay credit, you’ll still pay thousands of dollars in interest for your loans and car payments.
Sometimes poor credit can cause you to be declined for basic needs like insurance or even a job. While it’s possible to try and repair your own credit, but without a keen knowledge of the credit laws in place, you will most likely miss out on several key opportunities for disputes that could positively affect your credit.
2. Does CreditRepair.com Offer Debt Settlement?
CreditRepair.com focuses solely on credit repair services that involve disputing and removing negative items from your credit report that are not accurate or fair. Debt settlement involves working with creditors to create payment plans.
While this is a valid form of debt management, it can negatively affect your credit. The services at CreditRepair.com are instead focused on securing a positive financial future for you and your family.
3. Can I Contact CreditRepair.com Via Email?
CreditRepair.com has a very high reputation for responding to emails from members and potential customers alike. You can send them any questions you may have about the service, or if you’re a member, you can contact them for questions about your account.
4. What is The Fair Credit Reporting Act and What’s it For?
The FCRA was written in 1970 as an amendment to the Consumer Credit Protection Act. This document was created to provide extra protection for consumers in terms of fairness, accuracy, and privacy of the information collected by credit bureaus.
This law also empowers people to personally engage in credit repair actions and to verify that the information in credit reports is indeed correct.
5. Who Are The Three Credit Bureaus?
Credit bureaus are also sometimes known as “consumer reporting agencies.” These are businesses that collect information from courthouses and creditors. They sell this information to parties like lender and credit card companies in the form of credit reports. In the U.S. there are three major credit bureaus: TransUnion, Experian, Equifax.
6. How Long Does it Take to Repair Bad Credit?
This question is on everyone’s minds, but unfortunately there is no exact answer. The reason for this, is because the time it takes to repair a credit score depends completely on the individual’s situation. Thankfully, CreditRepair.com looks at each person’s situation and how it’s unique when they plan how to go about repairing that person’s credit.
Is CreditRepair.com Worth It?
At the end of our CreditRepair.com review, we have to ask the final question: is it worth your time and money? While this service does cost more than other options, they offer a lot of extra features that allow you to monitor the progress of your credit repair.
Ultimately, this is a great option for your credit repair, and if you’re suffering from bad credit it’s something you should strongly consider. Contact CreditRepair.com today to find out how you can start rebuilding your credit.
