1. Credit Repair Resources

Credit Repair Resources has been in business since 2007 and brings over 70 years' worth of experience to the industry. The company offers a number of comprehensive credit repair services that include attorney-assisted audits and demand letters and a 90-day money-back performance warranty. 

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The Good

  • Attorney on Staff
  • 90-Day Money-Back Performance Warranty
  • Custom Action Plan
  • Responsive Customer Service
  • Essentials Plan 

Credit Repair Resources serves nearly all 50 states (except Georgia, South Carolina, and Oregon), and provides a number of payment options that cater to customers' specific needs. The Essentials plan features a six-month performance warranty, meaning if the company is unable to resolve all your incorrect or outdated information within six months, you will be given a refund (not including the upfront fee). On all other plans, customers are given a 90-day money-back performance warranty. Also, for cases that extend beyond six months, Credit Repair Resources applies variable pricing on its three most expensive plans. This adjustment can drastically reduce the cost of long-term credit repair.

Attorney on Staff

Credit Repair Resource's lead attorney has over 20 years of experience in consumer law.

90-Day Money-Back Performance Warranty*

*Not available on Essentials plan

Custom Action Plan

Case managers will create an action plan that matches a customer's unique situation.

Responsive Customer Service

The company features helpful live chat and email support.

Essentials Plan 

Clients can cancel this plan at any time. This plan also provides clients with personal case managers for individualized focus. 

The Bad

  • Does Not Obtain Credit Reports from Reporting Agencies
  • Plans Can Get Pricey

One area in which Credit Repair Resources could improve is obtaining credit reports directly from the reporting agencies themselves; the company instead works with other credit monitoring services to obtain these reports. While some credit monitoring companies provide accurate results, there is no guarantee these secondary sources are reporting exactly what is found with the reporting agencies themselves. Credit Repair Resource features some plans that are much more expensive than those of leading credit repair companies. 

Does Not Obtain Credit Reports from Reporting Agencies

Credit Repair Resources instead relies on other credit monitoring services to obtain reports.

Plans Can Get Pricey

Credit Repair Resource's Mortgage Track plan costs $349 upfront and six subsequent payments of $99. The alternative is the essentials plan, which may take 3-6 months longer than the Mortgage Track plan, but requires an initial cost of $149 wth $79 subsequent payments. 

The Bottom Line

In summary, Credit Repair Resources provides a number of flexible options and warranties to ensure that you are not paying more than you need to for services rendered; however, customers who require extensive credit repair will end up paying significantly more with Credit Repair Resources than with most other leading credit repair companies. Customers should also be aware that the company does not obtain credit reports directly from the credit reporting agencies (Equifax, TransUnion, and Experian). If you are in the market for basic credit repair and want a knowledgeable attorney on your side, Credit Repair Resources is a good option. But if you're in need of intensive services, you may find a more cost-effective option elsewhere.

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User Reviews

Star Rating


53 Reviews

Review Breakdown

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Andrew Ginter

November 4th, 2012 Girard, OH

As both a Mortgage Originator and now a Real Estate Agent, I have experienced many credit repair providers' results. The honest and straight forward guidance Credit Repair Resources provides coupled with the knowledge they have about the mortgage/underwriting process puts our mutual clients in the best possible position for success. They are the one and only organization I entrust my clients to after all the positive outcomes I have seen from them.


Bill Behrens

November 3rd, 2012 West Chicago, IL

At Asa Cox Homes, we have had a great relationship with Credit Repair Resources for some time now. We have many mutual clients who are now homeowners thanks to the guidance given them by CRR. Chad and his team understand credit scoring and how to build a good credit score better than any other team I've ever worked with, and I know that anyone we refer to them is in very good hands. I highly recommend them to anyone in need of credit repair.


Lisa Coffey

November 3rd, 2012 Avon, OH

As a long time Finance Manager at Howard Hanna Mortgage Services, I appreciate the honesty, professionalism and results offered by Credit Repair Resources. They are the only company I trust.