Better Qualified is a credit repair and restoration company based out of Eatontown, New Jersey. The company offers a 6-month program called the Freedom Package to help consumers boost their credit scores and get out of debt.

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#1

$99.95
9.4

#2

$99.95
9.0

#3

$59
8.9

#27
better-qualified

Unknown
5.7

The Good

Better Qualified provides a comprehensive range of credit restoration and repair services to help consumers restore their credit scores. The company charges for an initial credit analysis consultation, and monthly for ongoing credit services. Other services include:

  • Identity Protection Programs
  • Business Credit Assistance
  • Distribution of Payments to Creditors
  • Credit Education and Resources
  • Secured Credit Card Offers

The company features a number of positive customer reviews and testimonials on its corporate website. The credit repair company also provides proof of past deletions.

The Bad

There are a few areas of improvement that would help the credit repair company provide a better customer experience. In our research, some consumers have reported problems with billing and cancellation of services. Other areas of concern consumers need to be aware of involve:

  • Cost of Services: Pricing plans are not immediately transparent on the corporate website. In order to know the cost of services consumers will need to request information either by phone or the company’s website.
  • Credit Score Updates: Better Qualified doesn’t currently update client’s scores per negative item removed. Client’s will need to wait until the end of the company’s services in order to see the affect the negative items removed had on their credit score.
  • No Money Back Guarantee: Currently, we have no information to verify for or against any money back guarantees from Better Qualified.

The Bottom Line

Better Qualified differentiates itself from marketplace competitors by offering negotiation and payment arrangements with creditors and collection agencies.

However, the credit repair company does have its downsides:

  • Pricing is not immediately apparent
  • Lack of frequent credit score updates

Frequently Asked Questions

How much does Better Qualified cost?
Customers will pay a one-time flat fee of $1,000 to use Better Qualified services.

Does Better Qualified allow me to enroll more than one person or my whole family?
When using Better Qualified, only individuals’ credit issues will be allowed. There is no two-party plan.

How does Better Qualified repair my credit?
To help get your score to a level you feel comfortable about, Better Qualified will first do a detailed analysis of your credit score and credit history. Next, Better Qualified will dispute derogatory accounts and seek to remove them from you history. The company will then work with collection attorney to identify any violations third-party agencies have made when taking over your accounts.

How does Better Qualified provide credit monitoring?
Better Qualified provides expert advice while reviewing your credit score. If any issues are identified, the company informs you and takes the necessary steps to helping you repair your score.

How long will it take before I start to see results with Better Qualified?
Better Qualified is so confident you’ll have success improving your credit score in 30 days or less that the company offers a money-back guarantee if you are not satisfied in this 30-day time period.

What results can I expect from Better Qualified?
Not only can you expect a higher credit score after working with Better Qualified, but you should also have more education and insight into financial management and the workings of the credit history. Better Qualified emphasizes teaching clients how to improve their credit on their own so that they don’t make the same mistakes in the future. 

How can I contact Better Qualified?
Located in Eatontown, New Jersey, you can call 1-888-533-8138. You can also submit inquires via the company’s website at https://www.betterqualified.com/contact-us/.

Published Results

Better Qualified is committed to conducing business with accuracy, honesty and professionalism. The company makes the following public claims about its services:

  • All customers may request and be granted a 100 percent money-back guarantee if they are not happy with the results of Better Qualified services within the first 30 days.
  • The company has also published a number of blog articles and other educational materials regarding avoiding debt and other issues that will help build and maintain a good credit score.

We recommend consumers review and understand all terms and conditions as well as payment policies prior to any service agreement. Some consumers with few credit concerns may find other credit repair companies that are better suited to their needs. Consumers should weigh the pros and cons carefully before making any financial decisions.

Price Breakdown

Improving your credit is essential in the financial world and if you hope to obtain financing for things such as homes, automobiles and other common purchases. Better Qualified knows this, so the company offers a simple pricing structure.

Flat Fee: Better Qualified will charge $1,000 for you to use its services. This is a one-time fee, and the company won’t ask for anything more while you use them.

Guarantee: if you are not happy with the results Better Qualified generates for you, the company allows you to walk away at any time during the first 30 days, no questions asked. Not only that, but within the first 30 days, you will also get all your money back, no matter what.

Free Consultation: not ready to get started yet but are curious about what the company can do for you? Better Qualified has a free over-the-phone consultation to consumers interested in learning whether credit repair is right for them.

How It Works

There are four basic ways in which Better Qualified will work with you to help improve your credit and get you back on track. Here is a breakdown of how this process works.

Credit Analysis: to start off, a Better Qualified expert will take a look at your credit report and determine what issues are lowering your score. The professional will make a plan of how to confront these challenges and eliminate problem areas.

Work on Derogatory Accounts: Better Qualified will dispute those accounts that have inaccurate and erroneous information.

Work with Collection Attorneys: an attorney who specializes in collection issues will partner with Better Qualified to determine whether any third-party collection agencies violated any regulations when handling your account. This is a common issue, and it can ruin your score for years.

Provide Education: once you have successfully worked with Better Qualified, you are on your own to move forward and continue to build your credit. Better Qualified staff will arm you with the tools and knowledge you need to make better financial decisions and establish habits that will keep your score where it needs to be.

What to Expect when Signing Up

As you work with a credit repair company, you should expect quick, complete results and to work with a partner that has your best interest in mind. You’ll get that and more with Better Qualified.

Education: some credit repair companies get to work on your file, help raise your score and then go away, leaving you on your own. Better Qualified has an array of educational materials on its website to help customers understand how to keep credit scores high and how to practice prudent financial behaviors.. You can be certain that Better Qualified will give you sound, helpful advice.

Expertise: Better Qualified professionals have years of experience and are skilled and knowledgeable in the credit industry. This will only help you more in your individual case.

What Can Be Removed?

Though Better Qualified can’t magically take care of all the issues that are lowering your score, the company can delete the erroneous information that is causing problems. Below is a list of issues the company has successfully removed for other clients:

  • Charge-offs
  • Collections
  • Judgments
  • Late payments
  • Medical collections
  • Bankruptcies
  • Tax liens
  • Other incorrect information on your report

By removing these items from your report, your score can climb to higher levels. This improvement will help you obtain loans and be on more solid financial footing.

Are there any inaccuracies in this review? We take our accuracy very seriously and would love your feedback. Give feedback here.

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3 Better Qualified Reviews

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  1. User Score

    10

    November 5th, 2015 Eatontown, NJ

    Fast, friendly, and professional. They helped me understand my credit report and explained what i may need to do on my end to help boost my scores. I got good results in the first 45 days and stayed with them the whole 6 months. I was updated at least once a month and never had an issue. I have referred my friends and family and they have taken off payments for everyone that has signed up. LOVE IT

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  2. User Score

    4

    October 29th, 2015 Middletown, RI

    Difficult to work with. A bit confusing.

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  3. User Score

    10

    October 15th, 2012 Hackensack, NJ

    Currently having my credit repaired by Better Qualified. Their staff is super friendly, and they are consistently sending me reminders to send them results and to follow the program. This approach has really helped me take responsibility for my own credit future.

    Thanks BQ!

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    3