One of the companies to pick up steam in the financial industry has been CreditRepair.com. People with bad credit can visit the site and discover a solution to repair bad credit and monitor their current credit score at the same time. This CreditRepair.com review will hopefully help you decide if this all-in-one solution is for you, and it keeps you on top of your credit score 24/7.
The credit monitoring comes from TransUnion, and it adds significant value to your score, considering these services in themselves can cost upwards of $25 per month.
What CreditRepair.com Offers
This CreditRepair.com review looks at everything you need to know from services to the pros and cons of these services. Some of the things provided by the company include:
- Text and email alerts as changes happen to your credit report.
- Removes negative items on your credit score.
- Helps to qualify for a loan.
- Stops debt collectors from listing and relisting your old debts.
- The process involves checking, challenging and changing.
- Provides a score tracker analysis tool to strengthen positive financial habits.
After you have selected the debts on your account that you want challenged, CreditRepair.com rolls through a process of three easy steps: check, challenge, and change. Once you have signed up for these reports, the company organizes your reports in a fashion that lets you identify the items you want to update or dispute.
After you and the company representatives have chosen the accounts, CreditRepair.com puts together a game plan to let you get the desired results. Once they have enacted the strategy, the company works with the creditors to communicate with the credit bureaus and confirm the changes that have taken place. This straightforward process involves you in it without feeling overburdened with individual tasks that happen in credit repair.
- Straightforward process.
- CreditRepair.com handles the subtleties of improving your credit.
- Works quickly and efficiently on your credit.
- Experts on your side to help you improve your credit.
- Transparent tracking process.
- The possibility of checking your progress at all points in the process through the Android or iOS.
- No guarantee.
- The length of the process can be quite large, depending on individual goals and situations.
- Realistic expectations must be adopted.
This CreditRepair.com review exists to weigh both the positives and negatives of buying their services. Based on claims from the site, you can increase your credit score by 40 points every four months. Unfortunately, that doesn’t seem to be the actual truth of the matter. Moreover, when we wanted to get to the bottom of those claims through this CreditRepair.com review, we found many unhappy customers who said the company failed to deliver on those claims.
Whether your credit score improves or not depends a lot on the individual. You also have to be willing to change your financial habits if you will ever experience a better credit rating. There’s no way around it. A company like this one could improve your credit score, but if you still make late payments, you will still suffer from a poor credit score. The bottom line is to keep your common sense intact and maintain realistic expectations.
CreditRepair.com Price Options
In our CreditRepair.com review, we will look at the various services. Unfortunately, CreditRepair.com only has one pricing option, but here are some aspects of the services offered:
- Online system to improve your score for $99.95 per month.
- Repair your past credit history.
- Monitor your current score.
- Customized tools to build your future.
- Track and make progress on your credit report.
CreditRepair.com has gained a reputation for solid support, and because of that, some major companies have begun to trust them, including Lending Tree, Mint.com, and Bankrate.com.
When the company looks at your credit, they examine three different credit bureaus, including Equifax, Experian, and TransUnion. Hopefully, this CreditRepair.com review sheds some light on whether you want to use them or not.
Where’s This Applicable?
This CreditRepair.com review will hopefully also let you know when it makes sense for you to buy the services. For those in need of assistance with getting a favorable mortgage to own a home, CreditRepair.com can turn into an invaluable asset. In addition, people who want to apply for credit cards will have a bigger advantage if they go with this company.
Should You Buy These Services?
This CreditRepair.com review also looks at things from an objective point of view. Do these services make sense? In truth, there’s not always a fast method to repair your credit score. Companies like this will only go so far if you refuse to change your financial habits. You have to make good choices to have a long-lasting improvement in your credit score.
Companies like this challenge accounts, but if you continue to rack up new debts, your credit score will not improve. Also, the high price tag of $99 a month to improve your credit sounds a little high. While some credit companies have numerous packages to help members improve their score, CreditRepair.com only offers one, and sometimes the results have been less than savory.
Their prices aren’t the industry’s lowest. In fact, they strike somewhere in the middle range. The wait time to get started, however, is fairly quick because agents normally respond fast to customers.
Putting It All Together
Perhaps you need a $20,000 vehicle loan, or maybe you want to adjust your payment schedule. This company will work with your creditors to make more affordable monthly payments. They could, however, benefit from following through with helping their customers more because some people paid the high fees and never got the promised results.
Also, there’s no guarantee on these services, so you buy them at your own risk. It does take a few months to improve, but if you’re willing to put the work in, you can improve your score and make it much easier to get the loan you deserve.