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CreditRepair.com Review (2020): Cost-Benefit Analysis 🕵️‍♂️

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Have you noticed recently that your credit score is misrepresenting your financial history? Feel like you’re getting a raw deal on your debt rates and terms?

The increase in applications for loans, credit cards, and mortgages throughout Covid-19 has resulted in more people discovering mistakes on their credit reports. In fact, complaints to the federal Consumer Financial Protection Bureau have spiked, with a whopping 50% increase from March to June this year compared with the same period in 2019.

Within this figure, 86% of complaints are related to credit reporting or credit repair services – essentially, consumers feel taken advantage of by false promises. With a clear display of fraud in the credit repair industry, and so much at stake, who do you trust to help improve your credit report?

CreditRepair.com has a solid reputation of providing good results for its members. Though it is not accredited by the Better Business Bureau (BBB), it does have a record of increasing consumers’ TransUnion score by about 40 points, on average. It’s also well known for being time efficient, and following a clear three step process to help reach your individual goals.

In this review, we take you through this three step process, how much you’ll pay and what you should expect. We’ll also highlight some tips to maintain your credit score and strategies to remove a collection on your own.

CreditRepair has a solid record of getting its members good results. It offers a clear three step process, an efficient service, and a free consultation to help you decide if this is the right fit for you.

Fast Facts

  • Fees: $99.95 per month plus a setup fee of $14.99 
  • Highlight: Free consultation
  • Best for: Those looking for a clear and simple process

Rating

  • Fees: 9/10
  • Communication: 10/10
  • Dispute Process: 10/10
  • Customer Service: 10/10
  • Credibility & Trust: 9/10
  • Overall: 9.5/10

What is CreditRepair.com?

CreditRepair.com has an established and strong reputation as one of the leading credit repair companies you can find.

While there aren’t many details about the company, we have deduced that it was established in 2012, based on the website copyright, and is based in Seattle, Washington. The company states its mission and what distinguishes it from competitors on its site. 

The company’s mission states “[We] empower every individual to achieve the credit scores they deserve and enjoy a lifestyle of greater opportunity.”

CreditRepair.com homepage
Creditrepair.com homepage

The primary goal of the credit repair company is to empower people to overcome any credit problems, tidy up their files, and increase their credit scores. Doing this is the first step to establishing financial independence and strength, and begin feeling more in control of your finances again.

CreditRepair.com aims to help people increase their credit score, and arm them with the tools needed to begin their journey towards financial freedom.

Overview and Summary

  1. Based in Seattle, Washington, CreditRepair.com has a strong reputation in the credit repair industry.
  2.  CreditRepair offers a free personalized credit consultation, during which time you can go over your situation and discuss your needs and expectations in detail.
  3. The firm has several benefits including a clear 3 step process, a comprehensive selection of educational material, and an easy to navigate website.
  4. Those considering the credit restoration service can take advantage of the free consultation offered.
  5. The company’s downsides are that it is not clear on who its “experts” are, is not accredited by the Better Business Bureau (BBB), despite its positive customer reviews.
  6. The company states that it increases the average customers TransUnion credit score by 40 points. 

How Much Does CreditRepair.com Cost?

CreditRepair offers a free personalized credit consultation, during which time you can go over your situation and discuss your needs and expectations in detail. You will be able to access your credit report summary, in addition to an audit on all accounts, a free credit score evaluation, across the three major credit bureaus.

You can take advantage of the free consultation without making a commitment but should you choose to use the service, the company has a simple and straightforward pricing structure, which is a fixed-rate monthly payment of $99.95 per month. 

Separate to this, there is a one time fee of $14.99 charged to pull your credit report. Apart from this, there are no other fees or hidden fees that might catch you off guard.

These fees are not the most competitive available, but when compared to competitors, CreditRepair offers a lot for the price, including online tools to help manage the process throughout, educational material, credit alerts for any report changes, and 24/7 customer support.

Pros

  • Efficient service 
  • Clear process
  • Solid record of helping its members
  • Website is easy to navigate

Cons

  • Not accredited with the BBB 
  • Unclear who its experts are

How Does CreditRepair.com Work?

The CreditRepair process is an overall simple one with a clear three-step structure. When you sign up, the company will pull your credit report, and help you to analyze and identify any errors.

Next, the company will contact the credit companies to ensure they are fulfilling their obligations to you, and to liaise with the three major credit bureaus to make sure that the requested changes have been made.CreditRepaid will leverage all relevant consumer rules to protect your credit and ensure that all your personal information is accurate.

How to Repair Credit
CreditRepair follows a three step process to address your credit concerns

The last step will be to keep you informed on all steps of the process and any progress made through your mobile app, personal dashboard, a score tracker, and email alerts.

This is all enhanced by the educational material offered which enables you to learn all you need to know about credit repair including, how it works, who to avoid going forward, and how to become more financially secure in the long term.

One thing that stands out to us as a negative though, is that absence of a guarantee. This is particularly noticeable considering money back options are a core aspect of other services offered by competing credit repair companies such as Sky Blue and Credit Saint.

How to Minimize the Impact of COVID-19 on Your Credit Score

Before we get into all the highlights of CreditRepair, we are going to walk you through how you can relieve some of the impact of the pandemic on your credit score.

Let’s start off with some general best practices when it comes to credit standing, in the face of a pandemic. 

  1. If you cannot make repayments then call your lenders or insurers and ask for you.
  2. Always continue to pay what you can
  3. Stay on top of your credit reports, and understand your rights (we’ll speak about this more soon)
  4. Think about adding in some notes to your credit report, in particular if you think your score has been affected by Covid-19.

In addition to this, there are some steps you can take to avoid falling into debt during current times. Doing things like budgeting, talking to your lender to discuss your options, and again, paying what you can.

If you’re wondering how potentially late or reduced repayments will affect your score then be sure to contact your lender to find out. Thankfully, many creditors and lenders are aware of the financial difficulties consumers are under as a result of Covid-19, and are taking steps to alleviate this stress.

Where CreditRepair.com Shines

CreditRepair.com shines in a few different areas that customers will appreciate. Let’s go through the advantages of signing up with creditrepair.com.

The Website is Easy to Navigate

The website is straightforward and user-friendly. Visitors to the site can easily browse and find the information they’re after. 

The Company Displays a Solid Record of Results

While each credit situation is unique, the firm does have a strong history in the industry that is worth taking into consideration when making your decision.

Efficient 3 Step Process: Check, Challenge, Change

The credit repair process isn’t always straightforward. Some companies can make it a challenge with complicated processes and long waiting times. CreditRepair.com on the other hand provides a simple and straightforward three step process: Check, Challenge, Change. This makes it easy for customers to understand how the firm will help improve their credit.

You will be able to see what needs to be done, and make the process a more achievable journey.

Comprehensive Educational Section

Another undeniable highlight of CreditRepair.com is the array of articles that are available through its library. Customers can access hundreds of articles on debt solutions, credit improvement, identity theft, savings and loans. When it comes to loans, keep in mind that there are a number of ideal options for personal loans for fair credit, which will be more beneficial to you in terms of rates and terms.

Customers and potential customers can grow their knowledge on debt management solutions, how bad credit could affect you, and even get to know some efficient savings tips. Reading through these informative articles could help answer some questions you have, or maybe you didn’t even know you had, to help you keep financial stability.

This may prove more useful than most care to admit. The Consumer Federation of America (CFA) and VantageScore Solutions, LLC, recently released a survey highlighting that although low-income households were the most likely group to apply for credit amid the recession, they also typically knew the least about credit scores. This includes knowing invaluable things like the fact that low credit scores can cost you thousands more, and that credit scores actually measure your risk of not paying.

Therefore, understanding how credit can affect your life is a key part of helping you keep it under control. All of this information and more is readily available to read on the site, which can be a valuable tool for consumers alike.

Reputation

This is a huge factor when it comes to choosing the best credit repair company for you.

There are a lot of frauds out there who are attempting to profit off vulnerable customers, convincing you to pay a fortune for unnecessary services. 

CreditRepair.com on TrustPilot
CreditRepair.com has a 4.4 out of five rating on Trustpilot

CreditRepair.com, however, has established a solid reputation, with the majority of reviews being positive. In fact, the company is mostly ranked as excellent on trustpilot.

Convenience

The sheer convenience of this site is a positive. It can save you both time and money – two attributes that no one would turn down.

As opposed to going through the time consuming, painstaking task of analyzing your file line by line and then getting in touch with each bureau yourself, CreditRepair.com can do all the work for you.

Where CreditRepair Could Improve

Though creditRepair offers a seamless 3 step process, informative educational content, and a convenient service, there are some areas we believe the credit repair company could work on to fully meet customer’s needs.

Most notably, on May 3rd 2019, it was reported that the Consumer Financial Protection Bureau (CFPB) filed a suit against the firm, accusing the firm of violating federal laws. Here are some other areas that may be of concern for you:

Lack of Clarity

The website boasts other companies as trusted partners. Yet, there isn’t a lot of information available on what the partners role is, or any information confirming the legitimacy of these companies.

There also seems to be a lack of transparency surrounding how the experts communicate with the credit bureaus so that items can be removed from your credit report.

Not Accredited by the Better Business Bureau (BBB)

The Better Business Bureau (BBB) accreditation provides businesses with third-party validation of the company’s legitimacy and ethics. CreditRepair is, unfortunately, not accredited by the BBB, and holds a D rating at the time of writing.

The Service May Be Unnecessary

One of the main concerns with any company of this nature is their validity. There is a feeling that you are spending money on something you could achieve yourself.

While there’s no doubt this service is convenient, it is not necessary to correct your credit and improve your credit score. Especially if your financial situation is currently unsure or in dire straits. With this in mind, there are some particular ways to keep your credit score up when the economy feels uncertain. 

These include:

  1. Taking inventory of all your expenses and debts
  2. Talking with your insurers and lenders (or any other companies you owe debt to that you can’t repay)
  3. Continuing to repay as much as you can manage
  4. Monitoring your credit score and report consistently
  5. Noting on your report whether Covid-19 has impacted your credit score 

Who Should Use CreditRepair.com?

CreditRepair.com is best suited to people who have some unfair, inaccurate, or unverified items removed from their credit report. Though please be aware that a credit repair company can’t necessarily promise that your credit score will increase due to the Fair Credit Reporting Act (and stay away from any firm’s that do promise this).

The firm’s services are not the most vast, but the ones offered are specifically to help you get the best results. CreditRepair does not offer debt consolidation or credit counseling. This means that if your credit has been impacted through credible ways, the firm won’t be able to assist you.

 In this case, there are other viable debt consolidation options for bad credit that would be more suitable to you. This streamlines your payments into one monthly, manageable payment with potentially better rates.

If you’re not sure whether you’ll benefit from the services of a credit consultant or not, you can call CreditRepair.com on 833-841-1600 and take advantage of its free credit consultation.

How Long Will the Process Take?

The company acknowledges that all situations are unique but it does state that the average member uses its services for a total of six months.

The company uses the information it collects about your individual credit problem and needs, and creates a “game plan” that is customized especially for you. However, on a general level, the progress seen is generally that around 7% of bad credit items are removed each month.

What Can Be Removed From Your Credit Report?

You probably already know that bad credit can land you with higher interest rates on both your loan repayments and credit cards. Bad credit can also make it more difficult to get guaranteed approval on loans

CreditRepair.com works with credit bureaus including Experian, TransUnion, and Equifax, and your creditors to make a case against some of the inaccurate or unfair information on your credit report that may be causing you to have a lower score than you deserve.

💡 Helpful tip: Make sure you understand your rights to a free annual credit report. By law, these three credit bureaus are required to give you a free credit score every 12 months, once you ask for it.

The firm works to make sure your credit history is accurate, up-to-date, and a true representation of you, which all-in-all could help raise your credit score.

There are some particular items on your report that can be challenged. The items below must be invalid, unfair, or inaccurate to be removed:

  • Late payments
  • Collections
  • Charge offs
  • Judgments
  • Bankruptcies
  • Foreclosures
  • Repossessions

How Can CreditRepair.com Help Me?

So, how exactly will CreditRepair.com help you? The firm states that it will help repair your credit by eliminating negative items on your credit report.

CreditRepair.com also claims to work to improve your credit score. The company boasts that the average customer will gain an increase of about 40 points on their TransUnion credit score in less than four months of signing up.

The credit repair company also advertises its range of customized credit repair tools. These were created to offer some guidance through the tasks, to keep a positive credit score and see consistent progress. 

If you’re interested in repairing your credit, you could do some research on the top credit repair software. This software comes in lots of different shapes and sizes, with some assisting with disputes, and others helping you keep track of your score. It just depends on your needs and budget. 

CreditRepair.com Uses a Three-Step Process

After reading what customers have to say, it’s clear to see that a major part of the firm’s success in the credit repair process is because it lets customers know what to expect from the start. CreditRepair.com uses a three-step process to address each client’s credit needs.

CreditRepair.com Three-Step Process
CreditRepair implements a clear three step process for its members

The process begins with the first step: The Check. This happens when you sign up and it involves pulling three of your credit reports from the three major credit bureaus and identifying the information you would like to dispute. The team will gather information on your credit history and your goals and create a customized plan to improve your credit.

In this action plan, the second step is the Challenge. During this step, CreditRepair.com initiates a conversation between you, the credit reporting bureau, and the creditor. The credit repair team’s experts communicate with each party directly to discuss the issues, and stay in touch to confirm that the requested changes have been implemented.

The third step: Change. This alludes to the change in your credit score. On average, CreditRepair.com clients see an average of 7% of the negative items on their reports eliminated per month.

In addition, the firm works to create a positive and longer lasting impact on your health that moves beyond your time with them. The company does this by offering educational resources to help you deepen your understanding on the topic, and offering one of the top credit monitoring services to help you stay on top of your score.

Which is Better: Sky Blue or CreditRepair.com?

Interested in CreditRepair.com alternatives? Check out the pros and cons of Sky Blue credit repair.

Summary

Although the company lacks some information on its credit repair service options, its innovative technology and ability to eliminate negative items like charge offs and late payments in a time efficient manner, combined with excellent consumer repair reviews, good credit results, and a 24/7 credit evaluation.

The company also offers TransUnion credit monitoring as well as text and email alerts to all its members. There is an initial once off setup fee, however, it is less than most of its competitors. The credit repair company works alongside all three major credit bureaus to deliver you a fair and accurate credit report.

Should you sign up with the company, you will gain access to its mobile app, online dashboard, and a credit score tracker to help you stay on top of your progress. The credit company also focuses on giving real solutions to your credit problems, and motivating clients to begin improving their credit history to maintain an overall good level of credit.

If you have bad credit, we recommend you take advantage of CreditRepair.com’s free consultation to have a chat about your individual situation and needs.

Frequently Asked Questions

Is CreditRepair.com legitimate?

Unfortunately, CreditRepair.com is not accredited by the Better Business Bureau (BBB), and, at the time of writing, it has a D rating. However, the credit restoration firm has a solid reputation of repairing credit reports for its members in a timely fashion, and has a rating of mostly, “Excellent” on Trustpilot.

Is it worth paying someone to fix your credit?

Credit scores are generally a time-is-money proposition. In the end, if your credit score is poor, then you will pay a higher interest rate on your debt. For this reason, if you are in the financial position to, hiring a professional to look after it in an efficient way could be the wisest choice. Check out some credit repair companies near you to get you started.

Does CreditRepair.com offer a guarantee?

CreditRepair.com does not offer a money-back guarantee. It does offer stats for the average success rate achieved with previous members, not to mention a free consultation.

Can deleted items reappear on your credit report after working with CreditRepair.com?

Nothing on the company’s website, in the reviews, or on third-party websites like Trustpilot indicates that any items have reappeared on customers’ credit reports. That said, as credit bureaus are independent agencies, it is a possibility. 

How long does CreditRepair.com take to repair your credit?

This is completely dependent on the individual person, their situation and their needs. This holds true where you are hiring professionals, or attempting to go through the process yourself.

Are there discounts for couples, families, or active military?

CreditRepair.com does not offer any discounts for families, couples, or active military. The only discounts offered depend on the time of the year and are time-based.

What are CreditRepair.com’s hours?

Below is a list of CreditRepair.com’s hours. 

Enrollment:

  • Monday – Friday: 7:00 AM – Midnight EST
  • Saturdays: 9:00 AM – 11:00 PM EST
  • Sundays: 9:00 AM – 10:00 PM EST
  • Member Services:
  • Monday – Friday: 8:00 AM – Midnight EST
  • Saturdays: 10:00 AM – 7:00 PM EST
  • Sundays: CLOSED

How do you cancel a CreditRepair.com membership?

In order to cancel your membership, you simply need to contact the CreditRepair team using the contact information on the firm’s website. Just state that you no longer wish to be a member.

Can CreditRepair.com remove late payments?

According to the Fair Credit Reporting Act (FCRA) late payments can stay on your credit reports for as long as seven years from the date of delinquency. Should the account with the late payment stay open, only the late payment will be eliminated after this time.

What is a goodwill adjustment?

A goodwill adjustment is when a lender agrees to retroactively make changes to the way it reports a borrower’s account activity to the major credit reporting bureaus (Equifax, Experian and TransUnion).

How do I get a collection removed?

Here are three simple ways to get a collection removed:

  1. Request a Goodwill Adjustment from the Collection Agency.
  2. Use the Advanced Dispute Method to dispute the collection
  3. Demand that the debt is validated by the Collection Agency.

Is CreditRepair.com registered with the BBB?

Unfortunately not. CreditRepair is not registered with the BBB (Better Business Bureau). It does have majority strong customer reviews on third party sites like Trustpilot, though.

How much does CreditRepair.com cost?

To sign up to CreditRepair.com you will pay a monthly fee of $99.95, in addition to a once of initial payment of $14.99. Once you join, you will have access to a personal online dashboard where you can view your credit repair progress 24 hours a day.

Is my credit score too low for CreditRepair.com?

No, you do not need to have a minimum credit score to begin working with CreditRepair.com. The company works to help people with low credit score improve their report and potentially increase their score. To help you get where you need to go faster you could consider debt consolidation. This merges multiple debts into one streamlined debt, making it more manageable.

What are the benefits of CreditRepair.com?

CreditRepair.com has many benefits including a fast and efficient process, a solid record of good results, and comprehensive educational material. The company also offers a free consultation where you can ask all the questions you need to help you make a decision.

What can CreditRepair.com remove from my credit history?

CreditRepair.com can dispute the removal of some particular items on your credit report if they are unfair, inaccurate, or invalid. These items include: 

  • Late payments
  • Collections
  • Charge offs
  • Judgments
  • Bankruptcies
  • Foreclosures
  • Repossessions

Does CreditRepair.com help with identity fraud?

CreditRepair.com can help you if your credit has been damaged by identity fraud or identity theft.

If you have been a victim of identity fraud or identity theft and your credit has been damaged as a result, fear not. CreditRepair.com is one of the leading credit repair companies to help remove negative items from your credit report.

What is CreditRepair.com’s Phone Number?

CreditRepair.com’s phone number is 1-833-841-1600.

All reviews, research, news and assessments of any kind on The Tokenist are compiled using a strict editorial review process by our editorial team. Neither our writers nor our editors receive direct compensation of any kind to publish information on TheTokenist.io. Our company, Tokenist Media LLC, is community supported and may receive a small commission when you purchase products or services through links on our website. Click here for a full list of our partners and an in-depth explanation on how we get paid.

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Credit Repair Companies

Credit Repair Review Methodology

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When it comes to managing your finances, thoroughly researching any company you work with is of the utmost importance. This couldn’t be truer than with credit repair companies.

According to the U.S. Federal Trade Commission (FTC), credit repair scams are incredibly common. There have been several recorded cases of criminals setting up false credit repair schemes designed to steal Social Security numbers, and some completely legitimate companies have been accused of violating consumer rights by charging illegal fees and making false promises to customers.  Even those with a clean record often face high volumes of consumer complaints for a variety of reasons, such as overpriced services and failure to deliver results.

The FTC makes it clear that no credit repair company is authorized to perform any action you can’t do on your own for free. Under the Fair Credit Reporting Act, you’re legally entitled to access your credit report for free once per year or if you’ve been the victim of identity theft. Additionally, the law dictates that you can dispute inaccuracies on your report and have negative information removed after a certain number of years. The FTC offers a clear, step-by-step guide on how to do this without paying a credit repair company.

At the end of the day, many people still choose to work with a credit repair company because they feel overwhelmed by the dispute process and are willing to pay for expert help. There are a number of ways in which credit repair companies can provide value, such as spotting errors on your report that you might otherwise miss. The FTC advises that reputable companies will also help you achieve long-term financial success that goes beyond your credit report by providing budgeting help and free educational materials.

So how do you tell a legitimate credit repair company from a scam? That’s the question we set out to answer in our series of credit repair reviews. We looked at some of the most popular companies and closely examined their services, pricing structures, and reputations to determine whether or not they offer value. In this guide, we’ll walk you through the methodology we used to evaluate each company and explain why each factor that we examined is important when dealing with credit repair.

Credit Repair Methodology

Credit repair is a complex service that involves many moving parts. What’s more, no two credit repair companies offer the exact same approach. To get a fair evaluation of each company we reviewed, we broke our scoring sheet down into five categories as listed below.

Within each category, we ranked each company on specific aspects of their service on a scale of 1 (lowest) to 5 (highest). We then took the weighted average of all scores according to the importance of each in deciding whether or not to work with a credit repair company. The percentages used to weigh each category are outlined in the following table.

Stability 2%
Reputation and Customer Satisfaction 11%
Customer Experience 7%
Services 30%
Costs and Fees 50%

In the end, each company received an overall rating from 1.0 to 5.0, with 5.0 being the best possible score and 1.0 being the worst.

The following sections will give a more detailed breakdown of the specific data points we used to evaluate credit repair companies in each category.

Evaluating Stability

Unlike other financial industries such as insurance, there is no authoritative body that rates the stability of credit repair companies. With this information unavailable, we used the next best measure of evaluating stability: number of years in business.

The number of years a credit repair organization has been in business is important because it demonstrates that the company has achieved long-term stability. Not only does this mean the company isn’t likely to go out of business before completing the services you paid for, it also means they’ve gained years (or even decades) of experience helping others in your situation. A credit repair company that has been around for a long time is likely to have earned enough respect from customers to continue attracting business.

Based on industry averages, we scored each company’s number of years in business using the following scale:

Excellent (5) More than 25 years in business
Great (4) Sixteen to 25 years in business
Good (3) Eleven to 15 years in business
Fair (2) Six to 10 years in business
Poor (1) Five or fewer years in business

Company Reputation and Customer Satisfaction

In credit repair, a company’s reputation says a lot about the type of experience it provides to customers. There are many channels for regulating authorities and consumers to file complaints about a credit repair company, both official and unofficial. We looked at complaint data from three of the most recognized third-party sources:

  • Consumer Financial Protection Bureau complaints and actions
  • Better Business Bureau reviews
  • Google reviews

Consumer Financial Protection Bureau Complaints and Actions

The Consumer Financial Protection Bureau (CFPB) is a government agency that acts as a consumer advocate in financial markets related to banks, loans, and credit. One of the CFPB’s core functions is to field complaints that result from unfair practices. Complaints are published in a database on the CFPB website that anyone can access.

While the CFPB doesn’t verify the specific facts in complaints, the bureau does refrain from publishing those that don’t meet strict criteria. If a credit repair company has accumulated many complaints, it’s usually a good sign that something in the business’s practices doesn’t sit well with consumers. The CFPB has the power to take enforcement action against the company if it investigates a complaint and finds that the law has been violated.

In reviewing each credit repair company, we looked up the number of complaints they had received in the CFPB database and assigned a score based on the following ranges:

Excellent (5) No complaints within the past three years
Great (4) No complaints within the past year
Good (3) One to five complaints within the past year
Fair (2) Five to 10 complaints within the past year
Poor (1) Ten or more complaints within the past year or enforcement action

Better Business Bureau Reviews

Contrary to what many consumers believe, the Better Business Bureau (BBB) is not an official government agency, but a private nonprofit that independently evaluates companies and fields customer complaints. The BBB allows companies to pay a fee for official accreditation and assigns ratings to all businesses, regardless of accreditation status.

In recent years, the validity of BBB ratings has been called into question by journalistic investigations that found discrepancies based on whether the business had paid for accreditation. Knowing this information, it’s important to take BBB ratings with a grain of salt.

Ultimately, we chose not to include BBB accreditation status or agency ratings into consideration when calculating companies’ overall score. However, we did include each company’s average customer review score. Customers can leave a review for businesses on the BBB website without filing a complaint, giving a score of 1 to 5 based on their experience with the company. We factored in these reviews based on the following point system:

Excellent (5) 5 stars
Great (4) 4 stars to less than 5 full stars
Good (3) 3 stars to less than 4 full stars
Fair (2) 2 stars to less than 3 full stars
Poor (1) Less than 2 full stars or no reviews

Google Reviews

A company’s Google profile is a common place for customers to go when they want to leave a review for a business they’ve interacted with. These reviews often appear when you search a company’s name using the Google search engine. Reviews consist of a star rating on a scale of 1 to 5 and an optional section for the customer to write a more detailed explanation of the score they gave.

In our methodology, Google reviews were assigned scores based on average star rating as follows:

Excellent (5) 5 stars
Great (4) 4 stars to less than 5 full stars
Good (3) 3 stars to less than 4 full stars
Fair (2) 2 stars to less than 3 full stars
Poor (1) Less than 2 full stars or no reviews

Customer Experience

A credit repair company’s dedication to customer experience is often a strong indicator of the quality of services they provide. When credit repair organizations don’t put enough effort into providing a good experience, customers tend to have difficulty contacting the company and getting updates on their case status. Since most credit repair services are now offered digitally, this generally means providing a helpful, easy-to-use website and virtual tools like an app or customer portal.

Taking all of this into account, we evaluated customer experience by looking into these three areas:

  • Website content
  • Website usability
  • Digital accessibility

Website Content

In the digital age, your first interaction with any company is often through its website. Credit repair companies use their websites to attract customers by providing information about their services and the benefits of credit repair. Unfortunately, not all companies are honest, and some publish inaccurate information that may mislead customers into thinking the company can do more than it really can.

While reviewing credit repair companies, we looked for three key items that illustrate the quality of information being presented:

  • Price disclosure
  • Online resources
  • FAQ page

Price Disclosure

One of the most common complaints about credit repair companies is that they aren’t upfront about their pricing, leading some customers to inadvertently accrue charges they weren’t aware of. Companies that value transparency should publish their pricing clearly online so that customers know exactly what they can expect to pay for services before they call.

For each credit repair company, we looked for pricing information on their website and assigned the following points:

Excellent (5) Price disclosed online
Poor (1) Price not disclosed online

Online Resources

A truly reputable credit repair company should approach fixing your credit as a multi-stage solution. In addition to disputing credit errors, the best companies will also provide resources that cover big-picture financial planning and debt management. Most companies that offer resources do so for free, demonstrating value to potential customers who are thinking about signing up for services.

We evaluated credit repair companies’ online resources based on this scale:

Excellent (5) Free app or interactive tool
Great (4) Free e-books and/or videos
Good (3) Blog
Fair (2) Basic information
Poor (1) None

FAQ Page

Credit repair can seem daunting for those who have never disputed an error on their report before. It’s completely normal to have questions about how the process works and what to expect along the way. To answer these questions transparently, credit repair companies should have an FAQ page that provides in-depth answers to questions not only about the credit repair process, but also the company’s specific practices such as pricing and policies.

Companies were given the following points depending on whether or not they had an FAQ page:

Excellent (5) Has an FAQ page
Poor (1) Does not have an FAQ page

Website Usability

The information included in a credit repair company’s website is important, but it won’t do you any good if you can’t locate it. We gave companies more points if they had dedicated resources to designing a responsive website that made it easy to find what you’re looking for.

We made our website usability analysis as objective as possible using these criteria:

Excellent (5) Intuitive design, interactive tools, easy to locate information
Great (4) Well-designed, highly informative but few tools
Good (3) Average design, includes useful information
Fair (2) Design lacking, information is difficult to find
Poor (1) Outdated design, poor experience, missing key information

Digital Accessibility

The technology available today enables companies to offer much more than just a website. We rewarded credit repair businesses for making additional technologies available that help customers more easily navigate the credit repair process. These technologies are:

  • Online customer portal
  • Mobile app
  • Web chat

Online Customer Portal

An online customer portal is a tool that customers can access using a username and password. Upon logging in, customers might find information such as important documents, dispute status, and updates from the credit repair specialist handling their case.

The credit repair companies we reviewed earned the following points for the presence or absence of a customer portal:

Excellent (5) Has an online customer portal
Poor (1) Does not have an online customer portal

Mobile App

Mobile apps are another trend in technology that make a big difference in the credit repair experience. Since most consumers spend more time on their phones than their computers throughout the day, a mobile app can make it easier to receive information and access resources.

Our rubric assigned points to companies with mobile apps using this scale:

Excellent (5) Has a mobile app
Poor (1) Does not have a mobile app

Web Chat

Not everyone wants to pick up the phone or wait for an email every time they have a question. Web chat is a convenient customer service channel that tends to be much faster and more efficient than traditional contact methods.

The companies we reviewed were rewarded for having a web chat as follows:

Excellent (5) Has a web chat
Poor (1) Does not have a web chat

Credit Repair Services

Credit repair isn’t a one-size-fits-all service. Most companies offer several different options which might include different credit repair options, tiered service levels, and additional non-credit repair offerings. To further explore the scope of services available, we broke them down into two main categories:

  • Credit repair service packages
  • Additional services offered

Credit Repair Service Packages

No two credit repair services are the same. Credit repair organizations often split their services into tiered packages that vary by the number or type of services included. For example, some companies may ask you to pay more for unlimited disputes per month, while others exclude services like credit monitoring from base packages but offer them in premium plans.

Some companies offer just one service package while others let customers choose from several different options. No matter how many choices a company makes available, not all of them include the same scope of services in their monthly fee.

To create a standardized method of evaluating credit repair service packages, we looked at data in three main areas:

  • Variety of service packages offered
  • Whether credit monitoring is offered
  • How many monthly disputes are included

Service Packages Offered

Every credit repair customer has a different set of needs. While some only have one or two minor errors to remove from their report, others require significant help with a major discrepancy. Ideally, a credit repair company will offer packages at various price points so that customers don’t overpay for a full-service option they don’t need.

The credit repair companies we reviewed were given points for the number of service packages they offered according to this scale:

Excellent (5) More than three service packages
Great (4) Two or three service packages
Good (3) Single service package

Credit Monitoring

Credit monitoring is a type of service that tracks your credit report and notifies you if there are any significant changes you should know about. If you need credit repair services, chances are you should also enroll in credit monitoring so that you’re always up to date on changes to your report as they happen.

Unfortunately, not all credit repair companies include credit monitoring in their service packages. Some even make credit monitoring mandatory but require customers to pay an additional fee for this service, often through a third party.

We used the following points system to grade credit monitoring availability from each company:

Excellent (5) Credit monitoring included
Great (4) Additional charge
Good (3) Not offered or not disclosed

Monthly Disputes Included

Each time a credit repair company contacts a credit bureau on your behalf to contest inaccurate information, the company counts this as a dispute. Some credit repair companies place a limit on the number of disputes they’ll file on your behalf in a given month. If you have a lot of information to dispute on your report, this could mean it takes much longer than planned to have it all corrected.

Keep in mind that there are three major credit bureaus, each of which requires disputes to be filed separately. Credit repair companies almost always count disputes per credit bureau, even if the same information is being called into question. For example, if the same misspelling appears across all three of your credit reports, the credit repair company will count that as three individual disputes.

We looked at the number of disputes included per month with each credit repair company and rated them using this scale:

Excellent (5) Unlimited with all plans
Great (4) Unlimited with higher-tier plans
Good (3) Limited number of monthly disputes (>30)
Fair (2) Limited number of monthly disputes (<30)
Poor (1) None or not disclosed

Additional Services

As we’ve discussed, credit repair is often a single part of a much larger effort to repair your finances. This might involve debt management and/or refinancing your current loans, both of which are offered by certain credit repair companies. If a company offers this, you may find it easier to come up with a more comprehensive financial plan for your personal credit issues.

Oftentimes, credit repair services are required by someone’s business, which falls outside the scope of what credit repair companies offer to individuals. To meet this demand, some credit repair providers have additional services tailored to business owners who need help improving their business’s credit.

Companies were awarded a point if they offered the following additional services:

  • Debt management
  • Financing and loans
  • Business services

Costs and Fees

Costs and fees made up 50% of our overall weighted score when evaluating credit repair companies. This is because cost is one of the main pain points for credit repair customers who may already be in a difficult financial situation.

We evaluated the cost of credit repair services based on five key points:

  • Fee structure
  • Cost of services
  • Money-back guarantee
  • Discounts
  • Cancellation policy 

Fee Structure

There are generally three different types of fee structures with credit repair companies. Some ask for a one-time fee that covers the entire cost of all agreed upon services, no matter how long they take. Others charge customers by the month for the duration that it takes to address all disputes. However, some companies charge both a one-time fee to get started (often called a “discovery fee”) and a monthly fee as services continue.

Since customers tend to pay more when companies charge both types of fees, we graded fee structure using the following system:

Excellent (5) Either a one-time or monthly fee
Poor (1) Both a one-time and monthly fee or not disclosed

Cost of Services

Once a credit repair company’s fee structure has been determined, it all boils down to how much they charge for services. We gathered pricing information from all the companies we evaluated and compared them to one another, creating separate tiers for both one-time and monthly fees. 

One-Time Fees

Average one-time fees usually fall in the range of $51 to $100, although some companies charge more and others less. Points were assigned for pricing using this scale:

Excellent (5) $0
Great (4) $1 to $50
Good (3) $51 to $100
Fair (2) $101 and up
Poor (1) Not disclosed

Monthly Fees

Typical monthly fees we saw started between $71 and $90 for the most entry-level service package, although some are cheaper and others more expensive. Companies were rated based on the following price brackets:

Excellent (5) $0
Great (4) $1 to $70
Good (3) $71 to $90
Fair (2) $91 and up
Poor (1) Not disclosed

Money-Back Guarantee

There are certain claims that credit repair companies cannot legally make according to the Credit Repair Organizations Act. For example, companies can’t guarantee results in their marketing materials in order to attract customers. This is because there’s no way to completely guarantee a certain outcome from the credit dispute process, even if you hire a credit repair company.

However, some companies offer money-back guarantees if no results are seen within a certain period of time. This is essentially a way for the company to stand by their services and give customers their money back if no successful disputes are made.

We looked into the money-back guarantees advertised by each company we reviewed and gave points using these criteria:

Excellent (5) Results guaranteed within 30 days
Great (4) Results guaranteed within 31-60 days
Good (3) Results guaranteed within 61-90 days
Fair (2) Results guaranteed within 91+ days
Poor (1) No money back guarantee or not disclosed

Discounts

As with most services, some credit repair companies offer discounts to those who qualify. Discounts vary by company, but common ones include military discounts and reduced pricing for couples who sign up for services together.

Our credit repair review methodology rewarded the companies that offered discounts based on this points scale:

Excellent (5) Discounts available
Poor (1) No discounts available or not disclosed

Cancellation Policy

If you’re enrolled in credit repair services and want to cancel your monthly subscription, there are generally two factors to note. First, some companies charge a fee to those who cancel before a certain period of time has elapsed. Second, many require customers to give notice a specific number of days before their next billing period, typically 30. If a credit repair company has this type of policy, you may be charged for an additional month after you cancel.

By law, credit repair companies must allow customers to cancel and have all their fees refunded within the first three days of signing up for service. Since this is required of every company, no additional points were given to those that advertised this type of policy.

Our rating system gave points to companies based on how customer-friendly they made their cancellation policy. Points were assigned using the following guide: 

Excellent (5) No cancellation fee or notice required
Great (4) No cancellation fee, notice required
Good (3) Cancellation fee, no notice required
Fair (2) Cancellation fee and notice required
Poor (1) Legal minimum (first three days) or not disclosed

Shopping for Credit Repair Companies

No consumer financial industry is immune to pitfalls, but credit repair is particularly known for being rife with scams. While there are plenty of respectable credit repair companies, you should use extreme care when shopping for a service provider.

The FTC maintains up-to-date information regarding the credit repair industry on its website, including specific warnings as potential scams come to light. The agency recommends avoiding companies that show any of these five red flags:

  • Asking for payment before any work has been performed
  • Instructing you not to contact the credit bureaus
  • Suggesting that you dispute information you know to be accurate
  • Telling you to provide false information to a lender or financial institution
  • Failing to explain your legal rights during the credit repair process

When dealing with a credit repair company, you are entitled to certain rights outlined by the Credit Repair Organization Act. The company should provide a written contract up front that includes the following information:

  • The full cost you will pay
  • How long services will take
  • Any guarantees the company offers
  • A clause entitling you to cancellation and a full refund within three days

If a credit repair company doesn’t meet the above guidelines, the safest bet is to walk away and look for a more reputable organization. However, if you’ve already paid and are unhappy with the services provided, you can file a complaint with the FTC.

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Sky Blue Credit Repair Review

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Just getting started with credit repair and not sure what type of service you need? If so, Sky Blue Credit may be a good place to start. The company’s flexible credit repair service can be tailored to meet the needs of those preparing to buy a home, facing debt collectors, or simply trying to rebuild their credit score. But as with all credit repair companies, there are a few drawbacks to consider, too. Our review lays out all the pros and cons to help you decide whether Sky Blue Credit is the right credit repair choice.


Pros Explained

  • Simple cost structure: Sky Blue Credit charges a $79 setup fee and an additional $79 for each month of service.
  • Tailored services: The single service plan covers optional services like mortgage preparation and debt settlement consultations.
  • Offers a 90-day guarantee: If you aren’t happy with the service you receive from Sky Blue, the company will refund all fees paid within the first 90 days.
  • Easy to pause or cancel membership: Pause or cancel your membership in seconds through the Sky Blue Credit membership portal, by email, or over the phone.

Cons Explained

  • Limited monthly disputes: Sky Blue Credit will only send 15 disputes per month, or five per credit bureau. Many competitors offer unlimited disputes.
  • Lacks online resources: The company doesn’t provide a library of free educational resources as offered by some other credit repair companies.
  • Doesn’t offer credit monitoring: If you’re interested in ongoing credit monitoring, you’ll need to sign up through a third party.
  • No free consultation: Initial consultation costs are included in Sky Blue Credit’s $79 setup fee. The gold standard in credit repair is to offer an initial consultation for free.

Types of Services

It’s fairly common for credit repair companies to offer multiple tiers of service packages, selling premium services at a higher monthly cost. Sky Blue Credit offers just one. However, this single plan is more flexible than most, covering a broad scope of services that can be personalized to suit individual needs.

Professional Credit Analysis

One of the main benefits of working with a credit repair company is having an expert set of eyes check your credit report for potential discrepancies. A seasoned credit repair professional may be able to spot errors you would have otherwise missed. Sky Blue provides a detailed analysis of each credit report upon signup.

Credit Disputes

Once Sky Blue Credit has gone through your credit reports, the company begins sending disputes to the credit bureaus on your behalf. Up to 15 disputes, or five per bureau, are included with each month’s membership fee.

Score Rebuilding

In reviewing your credit, Sky Blue Credit will offer suggestions for steps you can take to improve your credit score. This may include prioritizing paying off certain balances or opening a secured credit card. The company will also work with you to form a long-term credit rebuilding plan.


Optional Add-Ons

Since Sky Blue Credit’s service package is all-inclusive, there aren’t any paid upgrades to mention. However, the monthly membership fee does cover a list of services the company considers optional as they’re only applicable to a handful of specific cases.

Debt Validation

If you’ve received a letter from a collections agency for a debt you believe is erroneous, Sky Blue Credit will help you navigate the debt validation process by asking the agency to provide proof of the amount owed.

Goodwill Letters

In some cases, goodwill letters can be sent to ask creditors to remove an accurate derogatory mark from your report. Sky Blue Credit advises that these letters are useful if the event (such as a late payment) was a one-time occurrence and you’ve been making payments on time for at least six months since.

Cease and Desist Letters

Sky Blue Credit customers who have been inundated with debt collection calls can ask the company to send cease and desist letters to stop communications. However, the company notes, this is only used as a last resort as it may trigger a lawsuit from the collection agency.

Debt Settlement Consultations

While Sky Blue Credit isn’t a debt settlement company, customers can ask for advice regarding the possibility of negotiating a reduced payoff amount with the creditor.

Mortgage Preparation

If you’re fixing your credit in preparation to purchase a home, Sky Blue Credit specializes in mortgage lender requirements and will adjust your credit repair strategy according to your timeline.


Customer Service

The best way to get in touch with Sky Blue Credit is by phone or email. Note that phone lines are only open from 9:00 a.m. until 5:00 p.m. EST, hours that might be inconvenient for busy professionals. Sky Blue doesn’t offer live webchat or a smartphone app, although customers can manage their account by logging into an online portal.


Company Reputation

To gauge the reputation of credit repair companies, we often turn to the complaint database maintained by the Consumer Financial Protection Bureau (CFPB). Sky Blue Credit has been named in two complaints in the past three years, both related to customer service issues. The CFPB notes that both complaints were closed in a timely manner.

Sky Blue Credit also has a profile with the Better Business Bureau, although the company isn’t accredited and has a rating of C-. Despite this, customer reviews on the website average an impressive 4.5 stars. Sky Blue also maintains a 4.3-star rating on Google.

If you have a complaint about the services of a credit repair company, you can file a complaint with the FTC or call 877-FTC-HELP.


Contract Duration

Customers who sign up with Sky Blue Credit are not subject to any long-term contracts. The company’s cancellation policy is among the most customer-friendly in the industry. Memberships can be canceled at any time by logging into the online portal, calling the customer service phone line, or sending an email. There are no fees associated with canceling.

If you need a break from paying membership fees but don’t want to cancel entirely, Sky Blue Credit lets you pause service at any time and pick things back up when you’re ready. By taking advantage of this option, you won’t have to pay another $79 setup fee when you resume service.


Cost

Sky Blue Credit’s cost structure is fairly straightforward. Customers pay a $79 upfront fee for the initial setup and consultation process. There’s also a $79 membership fee for each month of service. Both fees are right around average for the credit repair industry.

If you’re not happy with your service for any reason, Sky Blue Credit will refund all fees paid within the first 90 days.

Sky Blue Credit’s money-back guarantee sets the company apart from competitors as it doesn’t depend on a specific outcome. Most companies only offer a refund if no successful disputes have been made within a certain period of time.


The Competition: Sky Blue Credit vs. Ovation Credit Services by Lending Tree

There’s a lot of competition in the credit repair industry, so we compared Sky Blue Credit to longstanding rival Ovation Credit Services by Lending Tree to see which offers better value. Ovation prices its base package in the same range as Sky Blue Credit’s sole offering, although the company also makes a premium membership available with unlimited credit disputes and TransUnion credit monitoring.

But Ovation also provides members with comprehensive educational tools designed to empower them to take control over their own credit, resources that Sky Blue Credit doesn’t come close to matching. For this reason, we’d pick Ovation Credit Services by Lending Tree as the better value.


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Credit Repair Companies

Credit Repair Company Earns Top Ranking from TopConsumerReviews.com

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When it comes to top-notch customer service, affordable pricing, and effectiveness, no one does Credit Repair better than Sky Blue

TopConsumerReviews.com once again awarded their highest ranking to Sky Blue Credit Repair, an industry leader among providers of Credit Repair services.

American consumers are starting to catch on: having a good credit history, leading to a good credit score, can make all the difference when it comes to getting the financial stability and life satisfaction they want. Whether that’s to qualify for a lower home mortgage rate, get accepted as a tenant, or secure a student loan, a higher credit score equals more opportunity. But, for people who haven’t had a great track record with credit – late payments, overspending, and so on – it often requires the use of a reputable Credit Repair service to get moving in the right direction again. These services partner with consumers to clean up negative marks on their credit history, advocating on behalf of their clients as they work with creditors and credit bureaus as well as with collection agencies. And, the most reputable Credit Repair services work hand-in-hand with customers to design a plan that will maintain those positive financial decisions in the future.

“When it comes to top-notch customer service, affordable pricing, and effectiveness, no one does Credit Repair better than Sky Blue,” according to Brian Dolezal of TopConsumerReviews.com, LLC. “The company promises a ‘happy, stress-free experience’, and who doesn’t want that when dealing with something as sensitive and potentially stressful as Credit Repair? The process is very simple, starting with a free initial review and consultation with a Sky Blue representative. Once signed up as a customer, you submit your credit report and let Sky Blue get to work for you, disputing at least 5 items per credit bureau every 35 days. Plus, in the first 90 days of your membership, you can take advantage of a condition-free guarantee: cancel for any reason and get a full refund of any fees paid to date. Customers continue to praise Sky Blue for their knowledgeable, friendly service – and for their effectiveness in making bad credit better. For all of these reasons, Sky Blue continues to come in first place among Credit Repair services in 2019.”

To find out more about Sky Blue and other Credit Repair services, including reviews and comparison rankings, please visit the Credit Repair Services category of TopConsumerReviews.com at https://www.topconsumerreviews.com/credit-repair.

About Sky Blue

Sky Blue Credit is dedicated to credit repair, focusing solely on helping customers reaching their credit goals through repair and restoration services since 1989. They pride themselves on speed, disputing 15 items every 35 days, as well as giving intelligent guidance with respect to optimizing customers’ credit scores.

About TopConsumerReviews.com

TopConsumerReviews.com is a leading provider of reviews and rankings for thousands of consumer products and services. From Credit Repair to Debt Relief and Personal Loans, TopConsumerReviews.com delivers in-depth product evaluations in order to make purchasing decisions easier.

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