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Credit Doctor Company

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1 User Review
LAST UPDATED: October 10th, 2019

Credit Doctor Company is a Virginia-based credit restoration service company with a team that has years of experience in the credit law, banking, and auto industries. Its services are provided to nationwide consumers for an initial processing fee and monthly rates thereafter.

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The Good

  • Debt Negotiation and Credit Repair Services 
  • Online Educational Resources
  • Business Experience

Credit Doctor Company provides professional debt negotiation and credit repair services with varying degrees of needs and circumstances. Each case will be analyzed and a plan for dispute will then be put into action. Benefits of the service include:

Debt Negotiation and Credit Repair Services

The Credit Doctor Company provides consumers with three different tiers of credit services: credit repair services, debt negotiations, and credit management. According to the company's website, its credit repair services include the following:

  • Basic Plan: Costs $59.99 per month and includes unlimited disputes 
  • Advanced Plan: Costs $79.99 per month and includes unlimited disputes, access to iSEEYOU, debt validations, and cease and desist collectors 
  • Premier Plan: Costs $99.99 per month and includes unlimited disputes, supporting documents, access to iSEEYOU, debt validations, and cease and desist collectors

Online Educational Resources

The company also offers a complete credit education library of free online resources that include things like common credit score mistakes, credit health, financial improvement, credit report information, and more.

Business Experience

The company has over 10 years of experience in the credit repair industry and consumers are able to cancel services anytime without penalty.

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The Bad

  • Expensive Service Rates 
  • No Attorneys on Staff 
  • Limited Website Service Information

While the Credit Doctor Company can help with debt and credit needs, there are limitations to their service as well. Prospective clients interested in using Credit Doctor Company should be aware of the following items prior to enrollment:

Expensive Service Rates

The Credit Doctor Company charges the consumer a fee of $299.99 to set up an initial credit file. Consumers are then expected to pay a certain amount of money per month thereafter, depending on the amount of credit that needs to be resolved. These payment rates are slightly more expensive than the service rates charged by similar credit repair companies in the industry.

No Attorneys on Staff

Credit Doctor Company does not appear to employ licensed attorneys on staff to assist customers in any specific legal issues that may come up during the credit repair process. Those who are dealing with items such as tax liens or bankruptcies might find another similar credit repair company that offers attorney services more suitable for their unique situations.

Limited Website Service Information

Credit Doctor Company does not appear to provide information on its website regarding credit repair requirements, its credit repair process, and what type of negative items its credit repair process challenges. Those interested in learning this information must directly contact the company. 

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The Bottom Line

Credit Doctor Company offers consumers three tiers of services including credit repair services, credit management services, and debt negotiation services. The company offers quite a few online educational resources and does have years of experience in the credit repair business.

However, its charged rates can be expensive for some consumers, there are no attorneys on staff to assist with specific legal issues that may arise during the credit repair process, and the company's website does lack some important information. If you are interested in Credit Doctor Company's services, we recommend that you conduct your own research and read several consumer reviews before making a final decision. 

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