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Creditrepair Review 2019

By: Heather Hanks Feb. 07, 2019

Creditrepairis one of the most popular credit checking sites due to its successful marketing campaign. Chances are you’ve seen the commercials for Creditrepair on TV. The company claims that you can check your credit score for free. But not many people know much else about the company’s services.

Along with free credit checks, Creditrepair helps you build your credit score. They offer a free 15-minute personalized credit consultation, score evaluation and game plan, and credit report summary.

Like other credit-building sites, Creditrepair will remove negative items on your credit report to boost your score. Here’s everything you need to know about Creditrepair and whether or not you should use them to help you build your credit score.

Who Is Creditrepair?

Creditrepair is a credit-building agency dedicated to providing you with the tools needed to repair and restore your credit. The company was founded in 1997, but they did not start offering credit repair services until 2011. Since then, they have helped thousands of people repair their credit.

According to the website, Creditrepair can help you improve your credit score by 40 points within the first four months of your membership. Some reports claim that Creditrepair can help you remove an average of 11.6 negative items from your three credit reports from the three major credit reporting agencies. Customers also saw an average of 7% questionable negative items removed from their reports each month.

The company offers three different services to help you build and restore your credit. You can also monitor your credit report for free so that you can track all your changes. First, they repair your past credit by working with your creditors and the three major credit bureaus to erase negative items from your credit report. They do this by challenging any unfair, inaccurate or negative items that otherwise affect your credit score. You can do this yourself. But Creditrepair is staffed with trained professionals who can get better results than you would be able to achieve on your own.

Next, Creditrepair offers 24/7 credit monitoring services to make sure your present credit score stays as high as it can. You’ll receive alerts from TransUnion to keep you informed of all the changes and updates being made on your credit report. You’ll also get customized advice and information from someone assigned to your account about how each item affects your credit score. This can help you make more informed decisions in the future. It also helps you understand exactly what factors influence your score.

How genuine is Creditrepair

Creditrepair will work with you to help build your credit score in the future. They provide an educational approach to help you understand your credit and what you can do to positively influence your score going forward. They also provide customized tools and a proven technology guide to walk you through actions and tasks that help you maintain a good credit score.

This three-step approach to building your credit is successful because it repairs past credit, monitors your current credit activity, and gives you the tools you need to make good decisions to build your credit going forward. They will tell you the “dos” and “don'ts” of credit building. They also monitor your account to protect you against identity theft and teach you how to watch for this in the future.

Creditrepair has an app that you can download to your phone and monitor your progress along the way. This allows you to stay on top of your improvements. It also puts you in touch with the professionals at Creditrepair whenever you need personalized advice or have a question about your account. The app is available for iPhones, iPads, and Android devices.

Creditrepair.com Review 2019

How does Creditrepair work?

Creditrepair takes a hands-on approach to help you gain control of your credit score. They offer numerous services that helps improve your past credit, monitors your present credit, and educates you on how to build your future credit. Creditrepair first tackles your past credit by challenging any negative or inaccurate items on your credit report. Once they are removed, your credit score will approve. They also provide identity theft monitoring to help make sure your current credit remains unaffected.

Creditrepair assigns a professional team to your account. This means that every time you contact them, you will talk to a team member familiar with your account. Signing up is easy. You just follow the steps on their website. You can also call for a free 15-minute credit consultation before making any decisions.

After signing up, you can cancel anytime. This is because Creditrepair offers month-to-month contract options so that there are no long-term agreements. Once you get your credit score where you want it to be, you can quit your membership. If your credit score drops again in the future, then you can use Creditrepair again to get your score back to good standing.

Here is a step-by-step guide explaining how Creditrepair works

1

Check your credit report

The first thing Creditrepair does is pull your credit report so they can take a look at it. They will also share this information with you so you can see where you stand. Pulling your free credit report at Creditrepair will not negatively affect your credit score. You will need to sign up on the company’s website to be eligible for a free credit pull. Once the company has your credit report, they will organize your information to help identify items that need to be challenged or removed. They will discuss this information with you so that you can verify that you want these changes made. This helps the company know where to focus their efforts. They will also help you put together a game plan on how to tackle your credit and restore it to good standing. Lastly, Creditrepair will put together a list of your personal needs and goals and start working on a method to meet these expectations.

2

Challenge negative items

The next thing Creditrepair will do is check your credit report to determine which items need to be challenged. They will go over this information with you before contacting each of the three major credit reporting business bureaus to dispute these items. Creditrepair states that all information on your credit reports must be fair and accurate by law. If they are not, the company will work to have these items removed from your credit report to restore your good standing credit. While you could do this stuff on your own, Creditrepair is staffed with professionals who are trained to handle this for you. This saves you both time and effort while ensuring that a professional who knows the law will handle these items.

Also during the step, Creditrepair will monitor your account to prevent identity theft for free. This comes at no extra charge to you if you are a paying member. This is one of the advantages of working with Creditrepair because other companies will charge you for this service. You can track your progress during this time by downloading the company's app onto your iPhone, iPad, or Android device. You can log in any time of day or night to see the changes Creditrepair has made. You can also contact creditrepair at any time through the app or online with questions or concerns about your account.

3

Prepare for success

Along with removing negative credit items from your report, Creditrepair will work with you to ensure that you don't make the same mistake twice. You will be offered personalized advice regarding your account and your financial habits so that you can check your credit in the future and make good choices. You will also have access to personalized tools to help you do this.

Creditrepair will continue to monitor and challenge negative items on your credit report or as long as you are a member. You can cancel anytime. If you cancel during the middle of the month, Creditrepair will prorate your invoice so that you don't pay for more than what you get. There are no long-term contracts, only month-to-month agreements. Once you feel like your credit is back to where it should be, you can cancel Creditrepair. Sign up again at any time or contact them when you need help.

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What to expect from Creditrepair

The first time you call Creditrepair, you can partake in a free 15-minute phone call the check your credit score. Doing so will not negatively affect your credit. After this, every credit report you pull will cost you $14.95 and may affect your credit.

During this call, you will be provided with a free credit report. After you sign up, you will have access to all the perks of being a member. Here are some key features of what you can expect when you sign up at Creditrepair:

  • A personalized online dashboard
  • Score tracker and analysis
  • Mobile apps with customer service offered 24/7
  • Text and email alerts that right to your phone
  • Access to your account 24/7
  • Removal of negative credit items to improve your score
  • Identity theft monitoring
  • Credit monitoring
  • A personalized plan for future financial transactions
  • No long-term contracts; you may cancel anytime
  • A flat rate monthly fee that does not change or go up

Unlike other credit repair companies, Creditrepair only offers one pricing tier. You can sign up for $99.95 per month. This fee includes all of the above features along with Identity Theft Protection, credit monitoring and a personalized care plan. Keep in mind that many of these features are often sold at an additional charge with other companies. Although this price seems to be a bit high, you can cancel it anytime. Creditrepair offers a one-time discount of $100 when you sign up as a couple. This saves each person approximately $50 on one of their payments.

Creditrepair also works with other financial institutions. This means that you may be able to qualify for discounts when you sign up with them. Ask your financial advisor at Creditrepair about opening a line of credit for taking out a loan at one of their partner companies in the future.

Lastly, Creditrepair offers education and advice on how to maintain your good credit standing. They have an extensive variety of articles and blogs on their website that are designed to answer any question you have about your credit.

You can also discuss these matters with your personalized financial team at Creditrepair. These topics include identity theft, credit improvement, debt solutions, loans, and savings. They also have a score estimate calculator, which is accessible even to non-members. Use these tools to your advantage to prevent falling into a credit trapped in the future.

Creditrepair PROS & CONS

Creditrepair offers many different services for its monthly price. But there are also many downsides that you should be aware of before signing up. For example, they do not offer a money-back guarantee as some other companies do. There's also no guarantee that Creditrepair will be able to remove negative items from your credit report. Negative items are always subject to coming back on your credit report after they are removed.

Here are some pros and cons of using Creditrepair:

Creditrepair PROS

  • Removal of negative items from your credit report to improve your score
  • Credit monitoring available so that you can track your progress
  • Free credit analysis to members only
  • Access to online tools and a personalized team to help answer questions about your account
  • Creditrepair.com communicates directly with the three major credit reporting companies so that you don't have to
  • Free 15-minute phone consultation offered to first-time collars
  • Free credit report offered to first-time callers
  • You may see results on your credit report within 30 days, but most people see improvements within four months
  • Customer service is provided 24/7; team members can be reached through email, online through chat, or through your app
  • Creditrepair.com has an A+ rating with the Better Business Bureau and has an excellent reputation among credit repair companies
  • They will work to remove late payments, hard inquiries, bankruptcies, repossessions, collections, charge-offs, and judgments with charging extra for additional items
  • Creditrepair.com offers couples discounts of $100 so that each person saves $50 on their first payment
  • Creditrepair.com works with other financial partners that you may be eligible for a discounted price when you use their services
  • You will get personalized advice on all future financial decisions for as long as you are a member
  • Free credit monitoring and other perks included in your monthly fee

Creditrepair CONS

  • Creditrepair.com has higher fees than other companies. Keep in mind that you are getting a lot of bang for your buck. Other companies tend to charge for things that Creditrepair.com offers and its package two service members. These include credit monitoring, identity theft protection, and credit score analysis. Plus, you can cancel anytime you want, and Creditrepair.com will prorate your invoice. They will not charge you for the entire month if you do not wish to use it.
  • There is no money back guarantee at Creditrepair.com for unhappy customers.
  • We aren't sure how many items you can have removed from your credit report per month. You may want to ask before you sign up if you are concerned about eliminating many items quickly.
  • As with all credit repair companies, there is no guarantee that the items you have removed from your credit report won't find their way back there one day. Keep in mind that this is consistent with all credit repair companies and not just Creditrepair.com.

How To Apply Creditrepair?

The application process at Creditrepair is fairly simple. You can sign up online at their website or call their toll free number and speak to an agent.

If you sign up online, you will first need to create an account. You will need to input your first name, last name, email address, and the password of your choice. Then you need to input your basic information. Creditrepair will use this information to pull your report and see how they can help you. You will not be charged until you sign up.

Unlike other companies, Creditrepair does not offer different pricing packages. You will find that there is only one pricing plan available, which is $99.95 per month. While this price seems higher than normal, remember that you are getting a lot of different services included in this fee the other companies may charge additional for.

After you sign up with a company and provide your credit card information, you will be billed monthly. You will also be notified of changes as they are made to your account. Before any changes are made, Creditrepair.com will consult with you so that you can see your changes and learn from your mistakes. They strive to help you make better decisions in the future so that you don't need their services and can make better decisions on your own.

Standard Plan

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What Items Are Removed by Creditrepair?

Creditrepair will work to remove all any negative items on your credit report. These include any unfair or inaccurate items. Examples include late payments, hard inquiries, bankruptcies, repossessions, collections, charge-offs, and judgments.

Some other companies charge you for additional negative item removals. In other words, they will only cover basic negative items and request that you pay more for larger items such as judgments and liens. One of the perks to working with Creditrepair is that they will remove all of these items from your report at no additional charge.

Some agencies will put a cap on the number of negative items that you can have removed from your report per month. We did not find any information online regarding the number of removals you are allowed per month. Because of this, you may want to talk to your agent when you give them a call if you are concerned about this.

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Who is Creditrepair For?

Anyone can benefit from improving their credit score. This includes college students, single parents, and business owners alike. Improving your credit score means that you'll be approved for bigger loans and better financial terms on your credit card when you apply for one. You'll save more money because you'll be subject to lower fees. You will also have options available to you based on your credit standing.

Your credit score can help decide whether or not you will get a loan to buy a house or go on vacation. If you are a business owner, then your credit score will be used to determine how likely you are to take on a partner or buy new products and equipment. Your credit score quite literally affects just about any financial decision you make.

Because of this, Creditrepair is a good service for anyone to use who is serious about improving their credit score. Although Creditrepair will not be able to improve your credit overnight, it's a great choice for anyone who needs help removing negative items on their report. You could do this yourself but many people find it's easier to hire a team of professionals who were trained in this area.

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Disclaimer

CreditNervana promises to keep our information as accurate and up-to-date as possible. However, you should always consult a financial advisor for specific questions about personal or business finances and investment opportunities, especially if you are looking in your area. Working with a trained professional who is familiar with your case is a safe and guaranteed way to make the best investment decision possible. Please review our terms and conditions before making any decision based on the information we provide. Financial institutions are constantly changing. Because of this, it’s a good idea to cross check the information you read here with any company you are considering working with.

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