LineUp Credit Repair is a new competitor in the industry working closely with FCRA attorneys to ensure that the bureaus comply with all client rights. In 2019, LineUp Credit Repair launched its credit repair services, ensuring that each client received customized options to improve their credit scores. Each client will be assigned a cast analyst and case advisor that will work in conjunction with the client, keeping deletions and communication open.
Through the Fair Credit Reporting Act and the Fair Debt Collection Practices Act, LineUp Credit Repair works to legally improve credit scores and provide educational resources to ensure that each client does not fall back into the same poor credit habits. The company is transparent with average time lengths and score improvements.
LineUp Credit Repair is certified with the Credit Consultants Association, was ranked as the Best Credit Repair Company in Fort Lauderdale by Expertise.com in 2022, and is score certified with the Credit Consultants Association.
After enrolling in the LineUp Credit Repair platform, clients can expect the following credit-related services:
While most credit repair companies offer the basic credit repair services, customized audits and subsequent education are not standard. LineUp Credit Repair clients will receive these additional resources as part of the service.
LineUp Credit Repair targets a number of items to improve scores on behalf of its clients. It is important to note that credit repair services can only remove incorrect or outdated credit items. Anything that is legally displayed on a credit report that reflects the financial habits of a consumer cannot be removed. The following items can be removed or edited by LineUp Credit Repair professionals:
While many credit repair companies can target a similar list of negative items, LineUp Credit Repair will only charge for items successfully removed from the credit report.
While there are not necessarily attorneys on staff, LineUp Credit Repair has done the next best thing partnering with qualified and experienced FCRA and FDCPA attorneys. This partnership is critical for clients who have had their rights compromised by the credit bureaus.
A vast majority of consumers do not know the specifics of the credit laws that are in place. Creditors know this and take advantage. If at any point the case analyst or advisor detects that something may not align with credit laws, the case will immediately be forwarded to a FCRA or FDCPA attorneys to review. Not all credit repair companies have this legal access or ability to determine if laws are being broken.
Not many credit repair companies are straightforward about service time lengths or what past clients experienced in terms of score improvements. LineUp Credit Repair has disclosed both of these data points, allowing potential clients to get an idea of what to expect from the company. For average length of service, the LineUp Credit Repair service breakdown down as follows:
As for average score improvements in the first 90 days of the LineUp Credit Repair service, clients save an average increase in scores as follows:
By reading this data, clients can make a more informed decision when it comes to what company they want to go with for credit repair services.
While LineUp Credit Repair does not charge upfront costs, monthly or per deletion fees will be required. Many credit repair companies will disclose monthly pricing packages with services included with each package.
LineUp Credit Repair has not made this information publicly known. All that is known about the LineUp Credit Repair payment structure is that clients only pay for what work is done on their behalf, but there is no way to determine an exact dollar amount unless potential customers contact the company directly and present their case specifics.
Since some clients in need of credit repair are also experiencing some sort of financial strain, it is reassuring to know that a money-back guarantee is available if a service does not live up to its promises. And while many credit repair companies will offer money-back guarantee solutions, not all of them have as many stipulations to meet the criteria for a refund as LineUp Credit Repair does.
Clients are only entitled to a 100 percent refund if all stipulations are met:
While there is technically a money-back guarantee, clients should be aware of all the criteria that needs to be met in order to be eligible for the guarantee.