4.8
6.4
Overall Score
Author: Kaitlyn Short
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.
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plan features a six-month performance warranty, meaning if the company is unable to resolve all your incorrect or outdated information within six months, you will be given a refund (not including the upfront fee).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.
Credit Repair Resource's lead attorney has over 20 years of experience in consumer law.
*Not available on Essentials plan
Case managers will create an action plan that matches a customer's unique situation.
The company features helpful live chat and email support.
Clients can cancel this plan at any time. This plan also provides clients with personal case managers for individualized focus.
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.
Credit Repair Resources instead relies on other credit monitoring services to obtain reports.
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.
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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Robert N Szalay Owensboro, KY
7 years ago
Charity Beachwood, OH
10 years ago
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10 years ago
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4 years ago
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Dec. 20th, 2019
Taylor Beachwood, OH
7 years ago
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Dec. 11th, 2018
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10 years ago
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11 years ago
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12 years ago
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12 years ago
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12 years ago
david morris Cuyahoga Falls, OH
6 years ago
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Dec. 11th, 2018
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6 years ago
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Dec. 11th, 2018
Bob Eckman Cypress, TX
7 years ago
Janelle Viscomi Tomball, TX
7 years ago
Jason Lukasik Independence, OH
7 years ago
Jamie Cleveland, OH
9 years ago
David Beachwood, OH
10 years ago
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10 years ago
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10 years ago
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10 years ago
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11 years ago
Lindsay Conrad Beachwood, OH
11 years ago
Nora Beachwood, OH
11 years ago
Rob Beachwood, OH
11 years ago
David Armstrong Crockett, CA
12 years ago
Whitney Reynoldsburg, OH
6 years ago
Reply from Credit Repair Resources
Dec. 11th, 2018
Gena Miller Cleveland, OH
6 years ago
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Dec. 11th, 2018
Thomas Cleveland, OH
9 years ago
Mike Beachwood, OH
9 years ago
Janelle Beachwood, OH
10 years ago
John Beachwood, OH
10 years ago
Lisa Coffey Avon, OH
12 years ago
Albert Gayle Woodbridge, VA
9 years ago
Megan Cleveland, OH
9 years ago
Lydia Beachwood, OH
10 years ago
Kevin Beachwood, OH
10 years ago
Tia Beachwood, OH
11 years ago
Jason Chilton Massena, NY
6 years ago
Reply from Credit Repair Resources
Dec. 11th, 2018
Mark Rochefort Cleveland, OH
3 years ago Edited September 14, 2021
Thomas Hullinger Pleasant Grove, UT
6 years ago
Mark Hammond Tomball, TX
7 years ago
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