Aggressive Credit Repair
5.0
6.7
Overall Score
Author: Kaitlyn Short
Aggressive Credit Repair is a Utah-based credit repair company that is owned and operated by Lorin Hanks, a licensed mortgage loan officer. According to the company's website, all Aggressive Credit Repair clients work directly with Lorin.
The company provides credit repair services in most states and offers lower monthly rates than some top companies; however, the wait time to be cycled into its credit repair program may be longer than it would be with a larger company.
Aggressive Credit Repair is a Gephardt-approved business and offers discounts for military members, teachers, and police.
Keep reading to learn more and to read Aggressive Credit Repair reviews.
Top Ranked Companies
The Good
- Low Monthly Rates
- Mortgage Loan Officer on Staff
- Gephardt-Approved Business
- Satisfaction Guarantee
- Customer Reviews
Low Monthly Rates
Aggressive Credit Repair does not appear to charge any upfront fees for its credit repair service.
Starting at $59 per month, the company's services are less expensive than those of many other top credit repair providers. And, according to the company's website, the owner does not collect payment from clients for at least six months after enrollment.
Mortgage Loan Officer on Staff
Unlike other credit repair companies, Aggressive Credit Repair provides each client with the opportunity to work directly with its owner. And, since the owner, Lorin, is a licensed mortgage loan officer, clients may receive more help/direction when it comes to getting approved for a mortgage with Aggressive Credit Repair than with other companies in the industry.
Aggressive Credit Repair will work directly with financial institutions to help secure a loan. Lorin works directly with financial institutions to recommend mortgage applications for approval.
Gephardt-Approved Business
Aggressive Credit Repair has been independently vetted and approved by consumer advocacy group GephardtApproved.com, which comes with a $1,000 reimbursement guarantee to consumers that the company will not cheat them out of their money. Consumers should note that this type of approval is rare to see within the credit repair industry.
Satisfaction Guarantee
As mentioned on the company's website, Aggressive Credit Repair clients are eligible for a complete refund if the company cannot prove results and achieve the client's satisfaction. The company also states online that clients have the option to cancel their monthly credit repair service with Aggressive Credit Repair at any time.
Customer Reviews
The Aggressive Credit Repair reviews on BestCompany.com are all positive. In fact, 98 percent of the company's customer reviews have a five-star rating. Many of the reviews directly praise the company's owner, Lorin, and make mention of his prompt communication and customer service.
Customer Review: Cheyanne Syverson from Reno, Nevada
"I had an excellent experience with Aggressive Credit Repair. I was informed throughout the process and achieved the goals that were set out, which led to me finally being able to buy a home. I would definitely recommend!"
While Aggressive Credit Repair only has a little over 100 customer reviews on BestCompany.com, they may provide some helpful insight regarding the company's services and owner.
The Bad
- Limited Online Transparency
Limited Online Transparency
Aggressive Credit Repair can direct clients to an attorney who may assist with legal representation or who can file suit against creditors. However, the company does not provide that many details about this on its website.
While the company does provide more information on its website than other companies regarding pricing and payment collection, Aggressive Credit Repair's website does not offer that many details about its refund policy, credit repair process, credit education resources, and additional services.
Those interested in these details may want to contact the company directly.
The Bottom Line
Aggressive Credit Repair is highly recommended by its customers.
The company appears to be complicit with both state and federal credit repair laws and is owned and operated by a licensed mortgage loan officer.
Additionally, Aggressive Credit Repair has secured a "Gephardt Approved" guarantee, which speaks to its trustworthiness. The company also charges lower-than-average monthly fees for its credit repair service and allows clients to cancel services at any time. It's also important to note that the company has a significant number of positive customer reviews on BestCompany.com, many of which mention the owner directly.
Although the company does offer limited information on its website regarding certain aspects of its credit repair service, it is still more transparent online than the majority of other companies in the industry.
If you are interested in Aggressive Credit Repair, we recommend that you read customer reviews and visit the company's website to learn more about what the company has to offer and to see if it is the right service for you.
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Bill James Argyle, TX
8 years ago
Reply from Aggressive Credit Repair
Nov. 16th, 2018
Don Dallas, TX
6 years ago
Reply from Aggressive Credit Repair
1) It rarely helps the scores ( inquires often are not the cause of a low score)
2) By default, when a dispute is made on an inquiry a fraud alert is placed on your credit. This will need to be removed if you want to apply for credit (arguably a hassle to deal with).
For these reasons I will rarely, if every, dispute inquires. This is likely why you heard I don't dispute inquires. I can still help you. If you would like free instruction on how to dispute inquires reach out to me and I'll be happy to give you that information. 801-298-3460 or .
Oct. 3rd, 2018
