Prime National Credit Repair has been in business since 1998, claiming a 30-day credit repair process along with a 100% money back guarantee. The company is legally compliant at both the state and federal levels. Unfortunately, the company does not request credit reports on customers’ behalf, which may discourage customers who want to work with a more hands-on credit repair company.
Prime National Credit Repair seeks to set itself apart in the industry with its speed; the company claims its credit repair process is completed in about 30 days, with five days’ review of the customers credit repair needs. If this claim is true, the company resolves credit issues much faster that even top companies. Consequently, the company does not charge monthly fees, but rather a one-time fee that has been tailored to the unique needs of the clients. And in the event that Prime National Credit Repair cannot remove defamatory items from the client’s credit reports, the company provides a 100% money back guarantee.
100% Money Back Guarantee
Applied if Prime National cannot delete credit inaccuracies. If this is the case, clients will need to express their dissatisfaction with the service and get their money back.
No Monthly Fees
Prime National only charges a unique one-time fee. This will cover the entire cost of the service.
Explains Customer Rights
Informs customers they can repair their own credit if they choose. This level of transparency is beneficial to clients.
That said, Prime National is somewhat less involved in the credit repair process than other companies, placing the responsibility of periodically requesting (and paying for) updated credit reports from all three bureaus solely on the customer. The company is also very careful to place no guarantees or approximations on its 30-day credit repair process; no company can with certainty guarantee how long the credit repair process will take. Furthermore, the company’s lack of transparency on pricing is concerning.
Does Not Request Credit Reports
Customers will need to do this work themselves. That means ordering and sending in all of their current credit reports.
Claims Can Be Misleading
Prime National is very careful to not apply a guarantee to its 30-day process. Check all terms and claims prior to enrolling.
Poor Online Transparency
Does not disclose specific pricing information, terms and conditions, etc. Clients will need to consult the credit repair experts to get this information.