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
Three different service plans
Credit monitoring is included with all plans
Excellent 4.3-star customer reviews with Trustpilot
Online dashboard, mobile app, and phone support
Pending government action related to alleged consumer protection violations
Extensive complaints with the CFPB in the past three years
Low average rating from customer reviews with the BBB
Low D rating with the BBB
- CreditRepair.com has been in business for less than a decade, making it pretty new.
- All the company’s plans include credit monitoring
- There are no other add-on services provided by CreditRepair.com.
- CreditRepair.com has an active government action and lots of complaints.
- Although Trustpilot customer reviews are excellent, but BBB customer reviews are not good.
- Pricing is average
- Company Name CreditRepair.com
- Year Founded 2012
- Plan Costs 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 1-833-824-7441
CreditRepair.com, Inc. (CreditRepair.com) offers three different credit repair packages, with a monthly cost ranging from $69.95 to $119.95 and first-work fees that match the monthly fee. All three packages come with full-time credit monitoring, but you'll need to purchase a higher tier plan if you need services like creditor interventions and cease and desist interventions,
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. The three tiers—Direct, Standard, and Advanced—are available for $69.95, $99.95, and $119.95 per month, respectively. Per a discussion with one of the company’s customer service representatives, all plans come with monthly credit monitoring from all three credit bureaus. CreditRepair.com will challenge items and send dispute letters to all three credit bureaus on your behalf.
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, depending on the package you choose. The company does, however, offer a free credit consultation, which is a good thing.
The Direct plan is the most basic credit repair package offered by CreditRepair.com. You’ll pay a first-work fee of $69.95 and a monthly fee of $69.95. This plan is best for people who only have a few items you need to be repaired at one time. The items included in the Direct plan offered by CreditRepair.com are:
- Goodwill intervention
- Quarterly score updates
- Inquiry assists
- Full-time monthly credit monitoring from all three credit bureaus
The Standard plan is CreditRepair.com’s middle-of-the-road credit repair package. You’ll pay a first-work fee of $99.95 and a monthly fee of $99.95. This plan is best if you have half a dozen items you want worked on at once. The items included in CreditRepair.com’s Standard plan are those in the Direct plan, plus a FICO® Score Inquiry Assist service.
The Advanced plan is the most aggressive credit repair package offered by CreditRepair.com. You’ll pay a first-work fee of $119.95 and a monthly fee of $119.95. This plan is best if you have a lot of items you need to be repaired at once. The items included in CreditRepair.com’s Advanced plan are those in the Direct and Standard plan, as well as the following:
- Monthly credit score updates
- More bureau challenges
- More cease and desist interventions
- Additional creditor interventions
- 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 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 from 6 a.m. to 10 p.m. MT during the week, 7 a.m. to 9 p.m. MT on Saturdays, and 7 a.m. to 8 p.m. MT on Sundays. If you need to speak with someone from the service department, you can call between the hours of 7 a.m. and 7 p.m. MT during the week, as service support isn’t available Saturdays and Sundays. Both department can be reached by calling 855-662-2482.
In addition to calling CreditRepair.com to get help, you can email firstname.lastname@example.org to get assistance. CreditRepair.com doesn't offer live chat. It does have an online signup and an online member portal and dashboard.
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 74 complaints with the BBB in the past three years, of which 27 were 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 9 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 reputation 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 4.3-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 much weaker, coming in at 2.29 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.
Cost: High One-Time Fee and Average Monthly Fees
CreditRepair.com has three different packages, ranging from $69.95 to $119.95, with first-work fees matching the plan's monthly fee. While the monthly fees are about average, the first-work fees seem to be on the higher end. The good news is all three packages come with full-time credit monitoring. 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 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.
|Monthly Price||$69.95 to $119.95||$89.85 to $129.95|
|First-Work Fees||$69.95 to $119.95||Unknown|
|Number of Plans||Three||Three|
|BBB Accredited Business||No||No|
|BBB Customer Reviews||2.29-star||2.1-star|
CreditRepair.com is one of the most well-known credit repair companies out there, but based on our methodology, and 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 can’t recommend it. 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.
Better Business Bureau. "Creditrepair.com, Inc. - Additional Information." Accessed on April 7, 2021.
Better Business Bureau. "Creditrepair.com, Inc." Accessed on April 7, 2021.
Consumer Financial Protection Bureau. "Consumer Complaint Database." Accessed on April 8, 2021.
Trustpilot. "CreditRepair.com." Accessed on May 10, 2021.
Better Business Bureau. "Creditrepair.com, Inc. - Customer Reviews." Accessed on April 8, 2021.