CreditRepair.com

Name: CreditRepair.com
Rating: 4.1

4.1

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1,597 User Reviews

8.3

Overall Score

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4.1

star star star star star_border

1,597 User Reviews

8.3

Overall Score

Visit Site

LAST UPDATED: November 28th, 2023

CreditRepair.com focuses on improving members' poor credit and offers several helpful customer resources such as an online dashboard and mobile app.

CreditRepair.com members saw over 8.6 million removals on their credit reports since 2012. CreditRepair.com provided over 1.6 million challenges on our members’ behalf in 2022.

In terms of services, CreditRepair.com provides consumers with a free credit score evaluation along with a recommended solution, a free credit report evaluation for all accounts, free access to credit report summaries, a personalized, free online consultation, credit repair plan options, and a simple three-step credit repair process.

This credit repair company works to challenge any and all inaccurate and unfair negative credit items like late payments and charge-offs for all members' credit reports. Its credit repair process generally takes the average member six months to complete.

CreditRepair.com's vision is not solely based on one-time repairs. The company focuses on helping consumers create and maintain future financial well-being.

Overall, CreditRepair.com is fairly transparent about its credit repair software and repair services and is known for providing reputable credit repair services and helpful customer service.

Read on to learn more about the company's repair process and to see verified CreditRepair.com customer reviews.

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The Good

Free Online Credit Consultation
Helpful Technology
Small One-Time Fee
Online Resources

CreditRepair.com has a significant amount of experience in the credit repair industry in comparison to other credit repair organizations.

The credit repair organization offers several positive features such as innovative technology in order to help each client improve their credit situation as efficiently as possible.

In 2022, CreditRepair.com members saw an average of six removals of items from their credit reports.

Advanced credit repair business experience isn't the only benefits to CreditRepair.com's services. Others include:

Free Credit Consultation

Like many other top-ranked companies in the industry, CreditRepair.com offers a free 10-minute credit report consultation that includes a personalized analysis of credit reports from all three major credit reporting agencies. This consultation is conducted completely online.

The company also offers a free credit score evaluation, credit report summary, and a recommended credit solution to help put members on the path to obtaining a good credit score.

Helpful Technology

CreditRepair.com offers more innovative and helpful technology than just an online portal to its credit repair account members.

In addition to an online client dashboard, CreditRepair.com provides a credit score tracker tool, client-friendly mobile app, text and email alerts, and credit monitoring.

CreditRepair.com strives to be transparent by keeping members updated on the credit repair process and providing reliable customer service.

Small One-Time Fee

The company charges a one-time fee of $14.99 to pull a member's credit report when getting started. This initial fee is much lower than what many other credit repair companies charge.

CreditRepair.com states that there will never be any additional costs or hidden fees when a member's first credit report is pulled.

Positive CreditRepair.com Reviews

Current and past members have also responded well to CreditRepair.com's repair services. In their reviews, they provided that their overall experience with CreditRepair.com was great:

Customer Review: Brian Kniskern from Worcester, Massachusetts

"CreditRepair.com raised my score from 564 to 748 in one year's time. They gave me my financial freedom back."

While it's important to note that results can and will vary per customer and credit situation, several members have commented on CreditRepair.com's positive results in regard to their credit scores.

Online Resources

The repair company offers quite a few helpful and free online resources. These resources include frequently asked questions, customer reviews, and a description of its credit repair process.

Additionally, the CreditRepair.com website also has a variety of educational resources including a credit repair blog, score estimator, loan center, savings center, and articles related to credit counseling and improvement, debt solutions, disputes, credit history, bureaus, credit card management, identity theft, and more.

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The Bad

Lack of Website Information
Limited Availability
CFPB Lawsuit Settlement

CreditRepair.com has several great features to its services like its credit repair process and its helpful technology.

However, the credit repair firm does have a few drawbacks and there are some definitive points those who have a low credit score should consider before choosing to work with this credit repair company.

Lack of Website Information

Some credit repair companies offer a significant amount of information on their websites about the different credit restoration services and credit repair service programs they offer.

The company advertises on its website that it offers three credit repair plan options that range from basic to aggressive credit repair. It appears that potential clients must directly contact the company to obtain more information about these listed credit repair service options.

Limited Availability

CreditRepair.com does not provide credit repair services to Colorado, Georgia, Kansas, Maine, Maryland, Michigan, Minnesota, Mississippi, Ohio, Oregon, South Carolina, and Wisconsin. Those who reside in these states will have to search elsewhere for credit repair assistance.

That said, it's important to know that the majority of other companies within the credit repair industry are also limited regarding the number of states they can service.

CFPB Lawsuit Settlement

In August 2023 the Consumer Financial Protection Bureau (CFPB) came to an agreement with major credit repair firms like Lexington Law and CreditRepair.com. These firms were running a long-time scheme where they illegally gathered fees from individuals through telemarketing for credit repair services, which violated federal laws.

If the agreement is accepted, the companies will have to pay a substantial fine of $2.7 billion. Additionally, they will not be allowed to offer credit repair services through telemarketing for the next 10 years. The CFPB is focused on safeguarding consumers and addressing issues in the credit reporting system.

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The Bottom Line

CreditRepair.com is one of the best companies to help you repair your credit.

The repair business also provides TransUnion credit monitoring as well as email and text alerts to all members. The company does charge a TransUnion Fee, however, this fee is smaller than what most other credit repair services charge.

The credit restoration company works with all three credit bureaus to challenge negative credit items and offers a free credit report as well as a free credit score evaluation.

CreditRepair.com provides an online dashboard, mobile app, and a credit score tracker to help you track your progress. The credit restoration company also focuses on customer service by providing real credit solutions that will motivate clients to focus on bettering their credit history and help them to maintain a level of good credit overall.

If you have bad credit, we highly recommend you choose CreditRepair.com's reputable credit repair services to improve your credit score.

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CreditRepair.com Frequently Asked Questions

How many credit bureaus does CreditRepair.com work with?

There are three major credit bureaus in the United States — Equifax, TransUnion, and Experian. CreditRepair.com works with all three.

How long does CreditRepair.com’s credit repair process take?

Honestly, we can’t say. There’s no way to predict in advance how long it will take to repair your credit, as every credit situation is different. That being said, past members have stayed with us for about six months.

Does CreditRepair.com offer a money-back or service guarantee?

We do not. Credit repair just isn’t something that can be guaranteed. What we can guarantee, however, is that we will do everything in our power to help you achieve the credit score you deserve.

How much does it cost to use CreditRepair.com’s credit repair services?

We offer different products and services to match every budget. You can even get a credit evaluation for free.

How do I know if CreditRepair.com is a legitimate credit repair company?

We chose to call ourselves CreditRepair.com for a reason — because we’re really good at credit repair. We’ve been legitimate players in the credit industry, and have actively helped people repair their credit reports since 2012.

What payment options does CreditRepair.com offer?

We accept all forms of payment, except Discover Card.

How can I track my credit repair progress while using CreditRepair.com’s services?

For the most part, our members monitor their credit repair progress via their personalized dashboard on our website. We also have an app on iOS and Android. Of course, our members are always welcome to call us for updates and more information.

What are the credit repair service options that CreditRepair.com offers?

We offer a variety of service options to support every budget. Our advanced service costs $119.95 per month, with options decreasing in cost from there. We also offer a FREE credit score and evaluation to anyone who visits our website to learn more.

How does CreditRepair.com’s credit repair process work?

Our proven process can be summarized into three steps. First, we work with our members to identify what items on their credit are unfair, inaccurate, or unsubstantiated. Then, we work with their creditors and the credit bureaus to verify these items. Finally, as we work through each item we identified earlier, we help our members manage their credit wisely.

What do I need to get started with CreditRepair.com?

A bit of information and a phone. Really, that’s it. We encourage interested consumers to contact us online for a free credit evaluation from one of our credit advisors. We’ll show you what’s hurting your score and help you get your credit headed in the right direction.

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User Reviews

Star Rating

4.1

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1,597 Reviews

Review Breakdown

5 grade

62%

4 grade

13%

3 grade

2 grade

1 grade

14%

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Quality

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Jean G American Fork, UT

I'm loving the iPhone app. Very fast service, and awesome reporting.

11 years ago

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Wilson Lee American Fork, UT

Just signed up. They have taken lots of time to answer my questions, very non-sales like people on the phone. Very helpful, and even gave me some great advice on how to get out of debt too! I can't give a 10 yet, but so far, so good!

11 years ago

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SCOTT X American Fork, UT

I had more removed with them in 3 weeks than I did with another company in 6. These guys work fast, without dragging their feet. A+, 5 stars, or however this rating system works. This company was explosive on removing my charge offs.

11 years ago

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Sherri R American Fork, UT

I was wondering about this company! Thanks for the review. I took your advice and hired them just for the fact they seem to be ahead of everyone with technology. LOVED that they have a way to view my progress on my cell phone. So far they have cleaned half of my ex-husbands "bad decisions" off my report! I'd give them an "11" if I could!

11 years ago

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Debbie Clark Lehi, UT

I had a few very stubborn negatives on my report, and a collection. I signed up about 2 months ago, and I am already seeing results! My husband and I have been planning on purchasing our first home, and now every time I log in to see my score jumping, I get closer and closer! So excited!!

11 years ago

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Nicole Greensboro, NC

I just started with them. I hope they are as real as these comments. Well we will see in a couple weeks.

11 years ago

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mark Ewa Beach, HI

Very poor service after you sign up. Will not return calls and always placed on hold. Do not recommend.

11 years ago

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Milan Las Vegas, NV

I just signed up and agree with Mr. Lee. Spent a long non-sale like time with a nice gentleman name Lucas, who impressed me enough to give him and company rating 10 just for the painless and promising "take off". Very helpful, great and knowledgeable guy, who had patience to listen and evaluate my rather bizarre life story. Going by the "gut feeling", I AM IN!

11 years ago

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Ne Williams Kansas City, MO

have signed on with this company in Aug 2012. have of my report is cleared up. I was talking to a business partner about Creditrepair.com he was so impressed that little time it has taken to see results. He stated that his other clients have used other companies and it has taken up to a year to see any results. Guess what!! he's referring all his clients to Creditrepair.com.

11 years ago

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Linda C Sicklerville, NJ

Worst company ever I paid close to 200 dallors for being in the company less then a month. THIS IS A SCAM. I joined on Oct 23rd 12.95 start up fee. Nov &th payed 89.95. Then when i canceled on Nov 20th was told I would be charged for work they have done already. My credit did not change one bit. I told Marsha when I first signed up I might not stay for more then a month and she said if I canceled before Dec 4th I would not be charged. This company is not even accredited. Dont sign up.

11 years ago

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Ms. Beal Indianapolis, IN

I just got started with this company and I really liked the way they listened and answered all my questions. I am on my way to home ownership, I am so excited.....

10 years ago

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shy Ewa Beach, HI

I was with Lexington Law but I canceled my membership with them and decided to try CreditRepair.com. So far so good. I love the Android application, it makes it so much more easy to get status updates. Ill update my comment in 30 days.

10 years ago

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garnie head Chicago, IL

i just started with them talked to marcy and she is dynamic, i feel 100 percent confidence in this company cant wait to refer others and see great results.thank you in advance im truly counting on you. good day and god bless you too.

10 years ago

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XMX Northridge, CA

I called with the initial intention of just getting some questions answered, but Jeff Phillips took the time to thoroughly explain the process...he did such a great job answering my questions and setting expectations that I just ended up getting started with them. I'm hopeful that with all the positive reviews of how fast they work, I'll be on my way to better credit. I'm tired of being embarrassed about my credit scores!!!

10 years ago

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john figa Long Beach, CA

I'm loving the iPhone app. Very fast service, and awesome reporting.

10 years ago

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Kaptain Brooklyn, NY

I spent $99/month for three months with CreditRepair.com, and they failed to remove a single item from my credit reports. The last two delinquencies on my reports are from late payments with Direct Loans, and Sallie Mae, both student loaning institutions. CreditRepair.com prouds itself in being fast. Three months, plus, is not fast. It is right in line with any other credit repair outfit, which hope people won't notice they are wasting their money waiting for any type of positive and permanent results. If an item is going to come off, it will happen in the first month after an initial dispute. Any time after that is just a finger-crossing game; you may or may not get lucky. After the first month without success, you can continue the process by yourself, without having to pay someone else. There are enough free resources, or less expensive tools online to assist you, unless you are satisfied enough with someone else writing and mailing the letters out for you; something which you can do on your own.

10 years ago

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Dedrie Fort Lauderdale, FL

Thus far, an 8 I just sign up, the reviews looks good, hope they work as fast as people says.

10 years ago

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Bill Saint Augustine, FL

Like what I heard. Customer service rep listen to MY needs and we are on our way....We will see. I want to see + results. It's a 10 so far.

10 years ago

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Darryl Lakeland, FL

I signed up last week. I had 3 neg. on trans union. After only 1 week, I have 0 negs. against me now. WOW, they really work fast. I love their web site, easy to nav. . I learned so much just reading their site. I can watch them work for me on the site as they keep my personal info. updated. They inform me on the letters they send out. These folks make me proud to have them working for me. I still have alittle more work to be done, but i'm completely confident that these guys will get the job done. They cost a little more than some others but what you get for your money, is just plain value. Your going to love them too. Get started getting some professionals on your side for a change.

10 years ago

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Jose F Tempe, AZ

I have been with creditrepair.com going on 30 days and I have already 2 negative items that have been removed, I have 33 total items that are going to be worked on I have good faith that creditrepair.com will slowly but be a very good source for me!! they are very nice when I call about my progress and take the time to explain things to me!

10 years ago

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keith New Orleans, LA

I love them they help and I know they will get the job done. My credit will be back right again.

10 years ago

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Jamie Mencarini Washington, DC

Credit Repair is a awesome company. A little on the expensive side, but worth every penny. I have been with them since July 2013 and they have removed 11 items off my report. Excellent company!!!

10 years ago

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Diana B. Flushing, NY

Great service. I have been a client of Creditrepair.com since march 2013 and have a total of 19 deletions. The customer service staff are patient and helpful. The app is really easy to use. The communication is very clear and concise. The updates are current. You really feel like you are a part of the process. The key to working with them and achieving fast results are. The moment you receive letters from a creditor forward them to Credit repair.com. Monitor your experian report to make sure they have the most recent report.( experian from my experian experience seems the like the toughest company to remove negative items) however through diligence they are still getting removals and also notifying them of any new entries.For the most part this service works like a well oiled machine! also be patient the first two months I saw the most deletions then it slowed down and then it picked back up! they have removed Judgements,and charge offs. I let all my friends know bout this service! Thanks credit repair . com

10 years ago

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Twania Windham

I just got signed up with the company &I like what everything I've experience so far. ..looking forward to seeing results on my credit report.

10 years ago

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"Shefferd M. Union, NJ

I just signed up in the beginning of this month. Within a few days they had already removed 6 negative items from my Trans Union report. They work really fast and their customer service is very helpful. I think I made the right decision when choosing this company to help me clean up my credit and improve my credit scores.

10 years ago

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Daryl Monk Nashville, TN

I called to get information about their services and the representative was very unprofessional. He didn't save my information and told me that someone would get back to me when they were done getting back to everyone else. I wasn't made to feel valued or important by the rep or his supervisor. I will be taking my business elsewhere.

10 years ago

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Bndpdler San Francisco, CA

2 months = 6 removals..I tried for months to get rid of these, even offered to pay for a letter of deletion, with no success. Iphone app and email alerts are great. You get what you pay for. Great service and results. I highly recommend. I also tried myself..My time now is $$$...Let the pros handle.

10 years ago

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Ellen S Simi Valley, CA

I was with creditrepair.com for 4 months. I would recommend ONE month for them to do what they can with any negative credit that is accurately INcorrect. Then, get out. What they do is continue to send challenges on everything to all three credit bureaus, over and over, each month. The challenges temporarily mask the negative charge artificially raising your score while the challenge is in place. BUT, if you try to do something like refinance your home, the mortgage lender will NOT like to see all of those challenges on your record! So you wait for them to come off and that WHAM! The challenges are off and the negative charge is still there and your credit score drops again. In MY experience (you decide for yourself), the company is great and responsive for erroneous things that should come off and that can be taken care of in the first month with the first set of challenges. I made the mistake of letting them convince me to keep on allowing them to challenge and rechallenge the same issues, with no progress made and considerable expenditure on my part. Be aware of the other ramifications of having these "challenges" on your record that they don't tell you about. Good luck!

10 years ago

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MCochran Richmond, VA

So far so good.They deleted 5 of my 13 negatives in about a month. So as far as I'm concerned they are worth every penny.My score went up over 20 points in 30 days.

9 years ago

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Tammy hall Irving, TX

When I joined creditrepair.com, my credit was poor. I had 21 negative items removed, 17 in 7 months. I got me a brand spanking new F150, no money down. I can't say enough about creditrepair.com, they really work and I am about to buy my house soon.

9 years ago

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Sheena B Chicago, IL

I soo love the iphone app. This company has worked wonders for me.

9 years ago

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Luis F Cardona Littleton, CO

I've spent 4 months with the company where they removed several items from my credit. I only found 3 things were the company did not satisfy me as to reach a 10. One the score they are given by Transunion is off, they rated me a 642 after 4 months of membership when in reality Transunion has me at 606. Two they don't offer creditor intervention help at extra cost or same rate. Third and last, I canceled one day before the pay period and they still charged me for a month back; their explanation was the first payment was only a setup fee and they charge the month after for their work performed prior since they won't be allowed to charge up front. I've run a credit fix back in 2006 through creditattorney.com and even though they did not show a credit rating on their site nor received my credit changes directly, they're pricing is still better till today and gave me better results with a worst credit than what I have today.

9 years ago

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Kathy H Elgin, TX

My husband and I use creditrepair.com. The issue I have is with billing - We received the discount for having the additional person, but they messed up the billing date on 1 account. For weeks I thought they were working on my report and because they only changed the billing date for my spouse, nothing was being done. Stupid mistake.

9 years ago

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anthony Palmdale, CA

love this company there always there to answer my question i really like there app that keeps you up dated on the go and the email you get are great tells you what there doing with your credit report. was at a 530 5 months ago now at 660

9 years ago

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Joseph Miami, FL

I was with CreditRepair for almost 6 months. When hire them they said that over 70% of the items reported to the credit bureaus are filed incorrectly.I had 18 credit issues and they didn't fixed a single one. The man in the phone assured me that I had issues that were over 7 years old and would be very easy to take out. they lied about everything. CREDIT REPAIR ACTUALLY DAMAGED MY CREDIT!!!

9 years ago

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Vladimir Philadelphia, PA

I've had them for 6months now,seems like the first 4months it was moving fast an good but these last 2months they have slowed down on my services & I feel they just don't really care about it anymore,well going to stay with them for a couple more months to see what happens wish me luck all,I will keep everyone updated on how it goes for me...

9 years ago

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Jackie

Used this company for 4 months. Started off good at first, but I didnt know that the credit score that reflects on their report is totally off, and doesnt reflect your actual credit score. They told me my credit score had increased from 566 to 633 within 4 months. Pulled credit report through freecreditreport.com & creditkarma.com, and my credit score is 533 (lower) than what it was when I started with them. This company takes your money, prolongs the process, to make money. Please beware! SCAM!

9 years ago

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Jody Modesto, CA

Creditrepair.com has removed 14 of 24 total negatives on my three credit reports in less than two months. Incredible, deletions include-chase, sears, target, verizon, and three collection agencies. Capital one is the only one who responded with a legal debt validation letter. Yep, three separate ones. They are bullet proof. Pay them off, or pay for delete letter, or let them drop off, or you can continue to challenge them. But beware you will awake a sleeping giant and they will garnish you and legally re-age your account to no end. They don,t just go away. They are sue happy. Get started on your credit now with these great people, I did.

9 years ago

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katrice sutton Moreno Valley, CA

I signed up and im soooooo glad I did! They work fast and removed 13 items in two months! They are worth every penny :)

9 years ago

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Alex Kansas City, MO

They say if you want to cancel, do so about 8 days before your bill is set to be sent that way you won't be charged another month. So after a month with absolutely nothing happening to my credit, I want to cancel. They tell my wife and I that we both owe $89 for the first month that we've already paid for. Do yourself a favor and STAY AWAY!!

9 years ago

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McCall Salt Lake City, UT

THEY WILL TAKE YOUR MONEY AND DO NOTHING! I signed up with one fraudulent ding on my credit, thinking it should only take a month or two to get this item removed, little did I know that 5 months later the ding was still there and I had forked out a whole ton of cash! I had only one negative item on my credit, a fraudulent credit card that was used once by Joe Schmoe and I never knew about it until 2 years later when trying to get a car loan. I not only had the Police report, but also a copy of a letter from Dillards credit services that said the card was fraudulently opened in my name. I thought this was a slam dunk for these people, and frankly for me. I knew there was no way this could possible stay on my report. Long story short, its been almost 5 months since I signed up, they took almost one whole month to send out ANY letters to the credit agencies and they still told me they hadn't "heard" back from the agencies about the item being contested. This company will drag out your membership for as long as possible to make sure you have to pay as much money as they can squeeze out of you. Im pissed about what I was advised to do, and I also am not happy that I payed $89 a month for them to sit pretty and "act" like they've done SO much work on my behalf (they sent only one letter to each credit agency in the 5 months, but when I went to cancel, I was promptly told they were "just" about to send out a few more. what a joke!!) Save yourself some money and hire an attorney (thats right you will SAVE money if you have a law office do it), who charges a one time fee of $180. It seems pricey, but trust me you will SAVE yourself some money and at least know you will be taken care of and they can't drag you through the mud slowly soaking up as much money from you as you are willing to pay.

9 years ago

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Michael Vasger Troy, MI

CreditRepair has made a world of difference in learning about "my credit" and how to clear anything negative !! I am now able to "Keep track" of all things within my credit "history" and "present" ratings on my credit !!

9 years ago

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MelissaM Oak Lawn, IL

I never write reviews and the reviews I do read sometimes sound fake. I just wanted whoever reading this to know that creditrepair.com is the best! I have been with them exactly 2 months and have had 20 negative items removed from my 3 reports! I started with 64, was an idiot with my credit in my 20s then had a health issue that hurt my credit even more. They are so helpful on the phone and always respond to my emails right away. Because of them, I'm taking my credit more seriously and trying to work out some of these negatives on my own. I couldn't be more thrilled with creditrepair.com.

9 years ago

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michell Fairfield, CA

I was sent a letter stating I would receive their service for $39.95. Then they started charging my credit card different amounts. Had to cancel my membership after speaking to a Supervisor.

9 years ago

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Tommy Seattle, WA

Just signed up and setting up the online tracking of progress was very easy. I will monitor and evaluate their service for the next month and provide update feedback of their performance.

9 years ago

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eric Soddy Daisy, TN

Credit repair is legit..have had 5 items removed in 2 weeks time...very good service

9 years ago

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Joe Z Madison, CT

It's not in their favor to get your credit report resolved. Even though they say different to get you to sign up they only use form letters. They hope the credit bureaus get tired of hearing from them The truth and facts don't mean anything to them only your monthly payment. They lie to your face.

9 years ago

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kanadid Austin, TX

i be with them one month and happy the already remove 7 item good job thank you

9 years ago

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Djoseph New York, NY

Just signed up can't complain will let y'all know progress in 30 days

9 years ago

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seth Memphis, TN

I was us this company eight month ago, when i check my credit score, the score was different from what my email this company, the score was 90 point different. Check all your information before making a decision with company

9 years ago