CreditRepair.com helps you make those challenging changes to your financial health to enjoy a better lifestyle. More than a one-time credit fix, CreditRepair.com says they want to focus on your lifetime score improvement — in other words, a complete and ongoing program to help you repair and maintain your credit score for better interest rates and financial opportunities.
What is CreditRepair.com?
If you are looking to repair a credit report, you may have gone through a rough patch with your finances and need help to recover. Or you may have yet to fully understand how credit scores work and the significant impact that a few difficult decisions would have on your ability to borrow money, rent a home or even get a job. It can be frustrating and confusing to try to manage your poor credit.
The fact is that your credit score does have a significant impact on your life, and improving that score can make a big difference in your peace of mind and your wallet. But you may need to figure out where to begin or think there’s anything you can do but wait helplessly for negative credit report items to drop off (which can take 7 to 10 years!).
Fortunately, there are services like CreditRepair.com that can tackle your credit problems. The professionals at CreditRepair.com have a proven process for analyzing your credit report and challenging the incorrect negative items. Here’s how they help you with your credit repair journey.
How Does CreditRepair.com Work?
For a monthly fee, CreditRepair.com works through a process that has been proven to help consumers like you ensure you have a fair and accurate credit report. Those credit reports come from three credit reporting bureaus — Experian, Equifax and TransUnion — and detail all your credit accounts, late payments, and collection accounts (unpaid debts sold to a third party) to try and collect) and public records like bankruptcy information.
These credit reports are what lenders look at when they are considering giving you a mortgage, auto loan or credit card. Unfortunately, they can often contain errors or misleading information. Correcting those problems can help make your credit history look more appealing to lenders.
While you can tackle credit report corrections yourself, the process is tedious and takes time and energy. That’s where credit repair agencies like CreditRepair.com come in. They have a solid understanding of how credit bureaus and their reports work and what can be done to improve. They have a proven process and skilled credit professionals to go after those changes.
Over 28 million total challenges and disputes sent on behalf of our members since 2012. In 2023, CR members saw an average of 6 items removed from their credit report.
1. Check
The first part of improving your credit is reviewing your credit reports. The staff at CreditRepair.com gets reports from all three major credit bureaus and checks them carefully for problems. Then they organize their findings so you can quickly see the items that can be changed or challenged. Finally, you let them know what changes are most important to you, and their advisors will create a customized Game Plan that meets your goals to repair your credit report.
2. Challenge
This is the hardest part for consumers: Challenge the credit companies. CreditRepair.com’s staff knows the laws that protect consumers like you, what to ask, and how to ask for the best results. Once a creditor has met their legal obligations to you and a negative or inaccurate item can be corrected, CreditRepair.com contacts the credit bureaus, and requests changes to their reports.
3. Change
Correcting negative items on your credit report will only help you long term if you take other steps to improve how you use credit. CreditRepair.com has several tools to assist you with learning about credit and monitoring your reports, including:
- You can access an online dashboard any time for more information about your credit report and how to keep improving it.
- Trackers that monitor your credit score.
- A mobile app that lets you check your updated credit information from anywhere.
- Text and email alerts that caution you about new issues, so you can stay on top of issues and prevent fraudulent or inaccurate items from impacting your credit report.
- A blog and other educational resources to help you learn more about good use of credit.
How Much Does CreditRepair.com Cost?
You’ll pay a monthly fee for their time and knowledge, but you should be able to recover that cost in one improved loan interest rate. After all, the higher rates assigned to people with poor credit can end up costing you hundreds or thousands of dollars over the life of a loan.
Credit report repair is entirely possible to do yourself, but most people need to gain the knowledge or the time it requires to haggle with the three major credit bureaus. That’s where CreditRepair.com’s adequate staff can make a difference.
The Benefits of Using CreditRepair.com
When you’re considering which credit repair firm to work with, it can help to learn more about the experiences others have had with a specific company. For example, CreditRepair.com has many testimonials from satisfied customers who have improved their credit scores and boosted their financial well-being. In addition, many members with low credit scores have partnered with the company to raise their numbers and improve their credit.
Many consumers first call CreditRepair.com because their low credit scores prevent them from getting a mortgage or loan or causing them to pay more than they should in interest rates. An improvement of even a few points can make a big difference in how willing lenders are to work with you and offer better rates.
How They Differ from Other Credit Repair Companies
There are many credit repair options, but CreditRepair.com stands out because of its commitment to helping you achieve a fair and accurate credit report which may improve your financial standing. They start with a free self assessment that looks at your information from all three credit bureaus and plots a path to reaching an improved credit score.
In 2023, CreditRepair.com worked with over 22,000 members with their credit.
CreditRepair.com also makes several tools available to understand and monitor your credit, including a mobile app and an online dashboard with a credit score tracker. You can also get text or email alerts when there is a change to your score. In addition, you can see what they’re doing to help you, and you can continue to keep tabs on your credit. CreditRepair.com also has educational resources available to you so you can improve your financial situation.
Should You Work with CreditRepair.com?
If you have a lower credit score than you’d like, CreditRepair.com charges one monthly fee to work on challenging inaccurate or outdated information. Many consumers have errors on their reports that impact their scores, and the professionals at CreditRepair.com are skilled at identifying and addressing these problems. You can stop at any time, and you don’t have to sign a long-term contract.
How to Get Started with CreditRepair.com
The CreditRepair.com process can be used repeatedly to keep repairing and checking on your credit. The company’s goal is to get you in a healthier position concerning your credit, which means assisting you with making permanent changes to how you use credit so you don’t get into trouble again. Consider how much less stressed you will be with a better financial future and an improved credit score ahead of you. Take a Self-Assessment on their website to get started with them.
