CreditRepair.com Review

Carefully evaluate your credit repair options.

We publish unbiased reviews; our opinions are our own and are not influenced by payments from advertisers. Learn about our independent review process and partners in our advertiser disclosure.
CreditRepair.com

 CreditRepair.com

overall rating
2.6

Bottom Line:

Although CreditRepair.com is a well-known credit repair provider, we can’t recommend it based on a pending government action related to alleged consumer protection violations and a low D rating with the BBB.

  • Pros and Cons
  • Key Takeaways
  • Specifications
Pros and Cons
Pros
  • Low one-time fees of $14.95 for its basic plans and $4.95 for its most aggressive plan

  • Credit monitoring and identity theft protection are included with all plans

  • Excellent 4.4-star customer reviews with Trustpilot

  • Reliable hours of operation

Cons
  • Pending government action related to alleged consumer protection violations

  • Extensive complaints with the CFPB in the past three years

  • Average three-star customer reviews with the BBB

  • Low D rating with the BBB

Key Takeaways
  • CreditRepair.com has been in business for less than a decade, making it pretty new.
  • All the company’s plans include credit monitoring and identity theft protection.
  • There are no other add-on services provided by CreditRepair.com.
  • The company has good hours of operation that are easily found on its website.
  • CreditRepair.com has an active government action and lots of complaints.
  • Although Trustpilot customer reviews are excellent, BBB customer reviews are only average.
  • The company has a low one-time fee and average monthly fees.
Specifications
  • Company Name CreditRepair.com
  • Year Founded 2012
  • Average Cost Starting at $69.95 per month
  • Types of Credit Repair Services Available Dispute letters and challenges sent on your behalf to all three credit bureaus
  • Monthly Monitoring Options Ongoing credit monitoring with all three credit bureaus
  • Official Website https://www.creditrepair.com/
  • Customer Support 1-855-255-0263

CreditRepair.com, Inc. (CreditRepair.com) offers three different credit repair packages, with a monthly cost ranging from $69.95 to $119.95 and with one-time (first work) fees ranging from $14.95 for the lowest packages to $4.95 for its most expensive package. All three packages come with some level of identity theft protection and full-time credit monitoring. However, the credit repair services you’ll get are pretty basic. CreditRepair.com will challenge three to eight items a month (depending on the package you choose) and will send dispute letters to all three credit bureaus on your behalf. 

CreditRepair.com has very negative reviews and is the target of an ongoing action from the CFPB.

Our biggest issue with CreditRepair.com has to do with its reputation. The company is in the midst of an active government action from the Consumer Financial Protection Bureau (CFPB) regarding alleged consumer protection violations. Plus, it has a low D rating with the Better Business Bureau (BBB). We considered these items and more in our review of CreditRepair.com

Company Overview: Relatively Recent Business Operations

CreditRepair.com is a privately held company that was founded in 2012 and is headquartered in West Valley City, Utah, meaning the company hasn’t even been in business for a decade. This is a pretty recent founding date, especially when compared to many of the other credit repair companies we reviewed. This, with its active government action regarding alleged consumer protection violations pending, should give potential customers pause when deciding whether to use CreditRepair.com. 

As you’re considering your credit repair options, keep in mind there are a lot of options. Firstly, you could meet with a consumer credit counseling agency and consider repairing your credit on your own. Alternatively, you could decide to have a credit repair company help you. If you choose to work with a credit repair provider, it’s important to make sure to compare credit repair providers to find one that offers fair pricing and a good reputation.

Available Services: All Plans Include Credit Monitoring

CreditRepair.com offers three credit repair packages that are designed to fit a variety of credit repair needs. Per a discussion with one of the company’s customer service representatives, all plans come with monthly credit monitoring from all three credit bureaus and identity theft protection (ranging from $25 thousand to $1 million, depending on the package you choose). Plus, CreditRepair.com will challenge items and send dispute letters to all three credit bureaus on your behalf. You can expect to pay anywhere from $69.95 to $119.95 per month.

In comparison to many of the other credit repair providers we reviewed, the credit repair services you’ll get from CreditRepair.com are pretty basic. Some of the best credit repair providers will send custom letters on your behalf or will develop packages that are customized for your needs. Also, unlike some of the competition, CreditRepair.com limits the number of creditor interventions it will work on per month (this ranges from three to eight, depending on the package you choose). The company does, however, offer a free credit consultation, which is a good thing.

Direct Plan

The Direct plan is the most basic credit repair package offered by CreditRepair.com. You’ll pay a one-time fee of $14.95 and a monthly fee of $69.95. This plan is best for people who only have a few items you need repaired at one time and only want minimal identity theft protection. The items included in the Direct plan offered by CreditRepair.com are:

  • $25,000 in identity theft protection
  • Three creditor interventions to all three credit bureaus, meaning the company will send dispute letters and challenge items on your behalf
  • Full-time monthly credit monitoring from all three credit bureaus

Standard Plan

The Standard plan is CreditRepair.com’s middle-of-the-road credit repair package. You’ll pay a one-time fee of $14.95 and a monthly fee of $99.95. This plan is best if you have half a dozen items you want worked on at once and only want minimal identity theft protection. The items included in CreditRepair.com’s Standard plan are:

  • $25,000 in identity theft protection
  • Six creditor interventions to all three credit bureaus, meaning the company will send dispute letters and challenge items on your behalf
  • Full-time monthly credit monitoring from all three credit bureaus

Advanced Plan

The Advanced plan is the most aggressive credit repair package offered by CreditRepair.com. You’ll pay a one-time fee of $4.95 and a monthly fee of $119.95. This plan is best if you have a lot of items you need repaired at once and want $1 million in identity theft protection. The items included in CreditRepair.com’s Advanced plan are:

  • $1 million in identity theft protection
  • Eight creditor interventions to all three credit bureaus, meaning the company will send dispute letters and challenge items on your behalf
  • Full-time monthly credit monitoring from all three credit bureaus

Optional Add-Ons: Nothing Extra Is Available

Like most of the other credit repair companies we reviewed, CreditRepair.com doesn’t offer any other add-ons. Everything you can get from the company is provided in one of its three packages. This includes credit monitoring and identity theft protection with all three packages. 

Customer Service: Good Hours of Operation

CreditRepair.com has good hours of operation that are easily found on its website. You can reach someone from the sales department at 1-855-255-0263 from 6am to 10pm (MST) during the week, 7 a.m. to 9 p.m. (MST) on Saturdays, and 7 a.m. to 8 p.m. on Sundays. If you need to speak with someone from the service department, you can call 1-800-232-6499 between the hours of 6 a.m. and 10 p.m. (MST) during the week, as service support isn’t available Saturdays and Sundays. 

In addition to calling CreditRepair.com to get help, you can email info@creditrepair.com to get assistance. The company doesn’t have an online application, nor does CreditRepair.com offer live chat. Neither of these things is unusual when compared to the competition. 

Our Expert Megan Says

Our biggest issue with CreditRepair.com has to do with its reputation.

Reputation: Active Government Action and Lots of Complaints

One of the biggest causes for concern with CreditRepair.com is that it’s in the midst of an active government action regarding alleged consumer protection violations. Also, CreditRepair.com has a very low D-rating with the BBB and is not a BBB accredited business. Plus, it’s had 61 complaints with the BBB in the past three years, of which 21 were closed in the past 12 months. Most of these complaints were related to billing issues and problems with the company’s products or services. 

We didn’t review many other credit repair companies with a BBB rating this low. Only one of the other credit repair companies we reviewed had a pending government action (Lexington Law). Furthermore, a review of the CFPB’s consumer complaint database revealed 21 complaints over the most recent three year period, a large number. Even though CreditRepair.com is a well-known credit repair company, we can’t recommend it based on these reputational issues. 

Customer Satisfaction: Mixed Reviews Between the BBB and Trustpilot

Interestingly, even though CreditRepair.com is in the midst of an active government action related to alleged consumer protection violations, it has excellent 4.4-star customer reviews with Trustpilot. Some of the positive reviews noted professional and responsive customer service representatives. In contrast, quite a few of the negative reviews noted problems with the amount they were charged by CreditRepair.com and the credit repair services they received, which might explain the pending government action and complaints previously discussed.  

The customer reviews with the BBB are just average, coming in at three stars. Many of the negative BBB reviews similarly noted problems with billing and the credit repair services offered by CreditRepair.com. Notably, some of the positive reviews were brief (a sentence or less), simply noting the receipt of helpful support or service. Overall, the reviews (even the positive ones reported by the BBB and Trustpilot) didn’t help alleviate our potential concerns related to the aforementioned complaints and government action. 

Lastly, we called CreditRepair.com to get information, as some of what we needed wasn’t readily available on its website. Most of the other credit repair companies we called were friendly and willing to answer all our questions without hesitation. In contrast, the customer service agent with whom we spoke at CreditRepair.com wasn’t overly friendly and seemed in a hurry to get us off the phone. Plus, we had to press to get the answers we needed, which was somewhat disconcerting.

Our Expert Megan Says

We recommend shopping around to find a different credit repair provider.

Cost: Low One-Time Fee and Average Monthly Fees

We had to call CreditRepair.com to get information on pricing, as this information isn’t readily available on the company’s website. In doing so, we learned you’ll pay one-time fees ranging from $4.95 for the company’s Advanced plan and $14.95 for its other plans. You can expect to pay monthly fees ranging from $119.95 for the Advanced plan, $99.95 for the Standard plan, and $69.95 for the lowest-level Direct plan. While the one-time fees are lower than many of the other credit repair companies we reviewed, the monthly fees are about average. 

The good news is all three packages come with full-time credit monitoring and some level of identity theft protection. Credit repair companies don’t always provide this type of value-added service. However, the credit repair services you’re getting are pretty basic. If you’re reading this article, it’s likely your reason for signing up for a plan with CreditRepair.com is to get your credit repaired. In that case, you might save money in the long-run if you choose a credit repair provider that doesn’t offer monthly credit monitoring and opt for a stand-alone credit monitoring plan. 

You can get a free credit report from all three credit bureaus every year by visiting www.annualcreditreport.com.

The following table summarizes the costs CreditRepair.com charges for each plan:

Plan One-Time Fee Monthly Fee
Direct

$14.95

$69.95
Standard $14.95 $99.95
Advanced $4.95 $119.95

The Competition: CreditRepair.com vs. Lexington Law

Two of the most well-known credit repair companies are CreditRepair.com and Lexington Law, both of which are headquartered in Utah. Both companies offer three different credit repair packages, but you’ll pay a little less if you go with CreditRepair.com versus Lexington Law. Also, CreditRepair.com and Lexington Law both have pending government actions related to alleged consumer protection violations. For this reason, we can’t recommend either one of these credit repair providers. There are lots of good credit repair companies out there, and so we recommend shopping around for one that offers fair pricing and has a good reputation.

  CreditRepair.com Lexington Law
Monthly Price $69.95 to $119.95 $89.95 to $129.95
First Work Fees $14.95 to $4.95 $89.95 to $129.95
Number of Plans Three Three
BBB Accredited Business No No
BBB Rating D C
BBB Customer Reviews 3-star Better than 2-star
Final Verdict: Continue to Shop Around

Although CreditRepair.com is one of the most well-known credit repair companies out there, we can’t recommend it based on an active government action related to alleged violations of consumer protection laws, numerous complaints with the CFPB, and a low D rating with the BBB. We hope the company is taking positive actions to resolve these issues. Meanwhile, there are lots of other credit repair services you could consider, so we recommend shopping around to find a different credit repair provider.

Article Sources

The Balance requires writers to use primary sources to support their work. These include white papers, government data, original reporting, and interviews with industry experts. We also reference original research from other reputable publishers where appropriate. You can learn more about the standards we follow in producing accurate, unbiased content in our editorial policy .
  1. Better Business Bureau. "Creditrepair.com, Inc. - Additional Information." Accessed on August 14, 2020. 

  2. Better Business Bureau. "Creditrepair.com, Inc." Accessed on August 14, 2020. 

  3. Consumer Financial Protection Bureau. "Consumer Complaint Database." Accessed on August 14, 2020. 

  4. Trustpilot. "CreditRepair.com." Accessed on August 14, 2020. 

  5. Better Business Bureau. "Creditrepair.com, Inc. - Customer Reviews." Accessed on August 14, 2020. 

  6. Better Business Bureau. "Lexington Law Firm." Accessed on August 14, 2020.