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How to Repair a Bad Credit Score: Complete Guide

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Are you thinking about buying a new car or going house-hunting? The chances are you don’t intend on paying cash for these items. We live in a credit consumer society, and we rely on credit from financial institutions to fund our large ticket purchases.

Imagine if you had to purchase your new house with cash. If that were the case for every American, then most of us would be stuck renting our home for the rest of our days. Credit makes it possible to acquire anything we please, enabling us to take monthly bite-sized chunks out of our promise to repay.

Credit built the modern world. Everyone from private citizens to banks and governments relies on a steady flow of credit to manage finances.

What if You Have Bad Credit?

Everyone experiences a time where they couldn’t afford to pay off their debts. Life is full of financial ups and downs, and we rarely see financial misfortune before it arrives. If you get retrenched from your job, you’ll probably rely on credit to fund your lifestyle, while you find a new position with a company.

People use a revolving line of credit to fund their monthly purchases, and then pay off their credit card balance at the end of the month, before starting the credit cycle again.

What if you can’t afford to pay your bills? Credit cards, auto loans, student loans, mortgages – Most Americans have these types of debt. In most cases, we don’t give a second thought to mounting debt loads – until we can no longer afford to pay our monthly installments.

If you fail to meet your payment obligations, then the chances are that the creditor will give you a few months grace to catch up on your outstanding debts.

However, there comes a time when they will try to recover their money from you. If they believe you can’t pay your debts, then they’ll file with a credit bureau like Equifax or TransUnion, and lodge you as a non-payer.

The credit bureau places your name of a list of non-payers and adjusts your credit score to suit your financial position.

Failing to pay your debts is not the only reason why you may end up with bad credit. Americans that try to obtain too many credit facilities, or experience multiple enquires on their credit score from lenders, may also end up with a poor credit score.

Lexington Law Review

If your Credit Score is below what’s needed, try a credit repair company like Lexington Law to improve it. Here’s our review of their service.

What is a Credit Score?

The United States has four major credit bureaus that act as watchdogs over the credit market. TransUnion, Equifax, and Experian, and Innovis. These four bureaus rely on credit reporting agencies to collect information from consumers regarding their credit health. These reporting agencies look at your financial and legal health.

How you pay your bills, lawsuits against your name, criminal records, and bankruptcy filings – all play a significant role in determining your financial health.

The credit bureaus collate this information from credit reporting agencies to create your credit profile and issue you with a credit score. Your credit score is a vital component of your financial health. If you have a credit score below 500, you’ll find it challenging to get any credit facility.

A low credit score means that you might not be able to rent an apartment. You may struggle to lease a car, apply for a personal loan, or obtain a credit card facility. Insurers may deny you coverage, and you can forget about applying for a mortgage with a lender.

A low credit score significantly reduces your opportunity in life. Some employers don’t like to hire people with low credit scores, as they see these individuals as desperate. As a result of their financial position, they may do something that harms to the company. Selling information to competitors or stealing assets from the business are real concerns for business owners.

How to Check Your Credit Score for Free

Read: 5 Ways to Easily Check Your Credit Score for Free

Credit Scores: The Numbers Explained

If you have never checked your credit score, then visit one of the online credit bureaus. Most of these institutions allow you to obtain a free copy of your credit report once a year.

Your credit report contains all of your outstanding debts, as well as any judgments or non-payment issues creditors lodge against you.

All of these factors determine your credit score.

The bureau issues you with a credit score between 0 to 850, which lenders look at to determine your creditworthiness.

  • People with a credit score of 500 or under, are in seriously poor financial shape. Individuals with this score can forget about applying for credit, as most lenders refuse to open accounts with individuals who have this low score.
  • If your credit score is between 580 and 640, then the lenders consider you as an average to moderate risk. You may find that most lenders are willing to open credit facilities for you, but they often come with unfavorable terms, such as high-interest rates.
  • Credit scores between 680 and 750 are considered good, and you won’t struggle to open any credit facility.
  • If you have a credit score of 750 to 850, then lenders will do anything they can to obtain your business. They see you as the lowest risk, and offer favorable terms with the lowest interest rates, on any credit facility you desire.

Top Tips to Repair Your Credit Score

If you have bad credit, then it’s possible to improve your credit score and your financial health, returning you to a credit-worthy state with the bureaus. Here is a step-by-step process you can follow to rehabilitate your credit.

  1. Get a Copy of Your Credit Report

Knowing your current credit score is the first step in getting back on the path to financial health.

All three of the credit bureaus, TransUnion, Experian, and Equifax, operate as “for-profit” companies that make their living out of monitoring and assessing the credit market, keeping consumers in check. When applying for a credit facility, lenders check on your credit report with one or more of these institutions. The lender pays a fee to the credit bureau for accessing your information.

However, all three of these institutions allow you to download a free copy of your credit report once a year. There are some private companies, such as Credit Karma, that also will enable you to view a free credit report as well. However, we don’t recommend using these services, as many of them sell your information to your creditors, allowing them to tighten the noose around your financial situation.

After downloading your credit report from one of the credit bureau’s, you’ll be able to see the exact state of your credit health. The report lists all of your outstanding non-payment accounts with lenders. You’ll also be able to view any judgments against you, including defaults on credit facilities. The report issues you with your credit score, between 0 and 850.

It’s a prudent strategy to obtain your credit report from all three bureaus, as they may not all have the same information.

  1. Lodge a Dispute Against Errors or Negative Marks

The internet changed the way credit agencies report to the bureaus. Today, a few clicks of a mouse and a quick entry on a keyboard is all it takes to ruin your credit score. Fortunately, this is a double-edged sword, and it’s simple for you to use the same online process, to dispute any errors or negative marks you find on your report.

In the past, you had to write a letter to the credit bureau to dispute any errors, but email simplifies this process, allowing you to obtain an electronic copy of your request.

When disputing any errors, start with judgments and collection accounts. These derogatory marks carry the most weight with the credit bureaus, and they create the most significant amount of damage on your report. It’s relatively common for most people to have at least one collection notice on their credit report, with most of them being from healthcare providers.

In many cases of medical collection notices, it’s typically not your fault, as there may be a dispute between the provider and your healthcare company. As a result, the provider issues a collection against your name, not the insurance company. In this case, you have two options.

The first method is to dispute the claim with the bureau. The bureau notifies the collection agency, and they have 30-days to confirm the collection. Should the collection agency fail to reply to the bureau with valid paperwork to prove the mark, then the bureau will wipe it from your report, and your credit score will increase.

If this dispute fails, then you have the option of paying the collection and restoring your credit score.

  1. File to Dispute Any Invalid or Incorrect Late Payments

Unfortunately, many collection agents or creditors rely on employees to lodge complaints or non-payments with the credit bureau. Humans are flawed creatures, and its more than possible that someone on the admin team mistakenly filed against you, instead of the correct person. However, while this mistake may seem innocent on behalf of the creditor, it affects your credit score.

Creditors may not update your payment into their system, or they may enter an incorrect amount. Therefore, you have the right to dispute these claims. The creditor must comply with your request to the bureau to investigate your request. In most cases, the creditor has 30-days to answer the application, or the bureau removes the mark from your credit report.

It’s also possible to dispute late payments using the same method. The payment history on your credit report is another area where you can challenge these entries. While it may take time and effort to remove these marks, the result is an improvement in your credit score, so don’t let them slide.

  1. Use the Same Process to Dispute other Marks

We discussed the importance of challenging inaccuracies and mistakes on your credit report. Fortunately, you can use this method to dispute valid claims as well. If you had an account that went to collection, and the collection agency gives up on chasing you, then the mark remains on your credit report.

Using the previous method described, you can challenge the mark. In many cases, this strategy works, and the bureau will remove it from your report. The credit bureau will send the request to validate the claim to the creditor, most of which they ignore. If the creditor does not protest the demand in 30-days, the bureau removes the mark from your report. While this strategy is not ethical, it’s worth a shot.

  1. Increase Your Credit Limit

There are more than 1.27-billion active credit cards in use across the United States. How you use your credit card plays a significant role in your credit score. The ratio of unused to used credit on your facility is a leading factor in determining your creditworthiness and credit score.

If your credit card is close to maxed out, then call the bank and ask them to extend your credit facility on your card. While this strategy may not work for those individuals with poor payment history, or a credit score under 560, it’s a viable option if you have a good payment history with your credit provider.

Applying for another credit card with another lender is another workaround to increase your credit limit. After you receive the card, your credit score improves to match the new total credit threshold under your name. Make sure that you don’t spend anything on the new card, or you are going backward.

If you can’t get the lender to increase your credit card facility, then consider paying down your credit card debt as a priority.

  1. Pay High-Interest Accounts First

Try using the “debt-snowball system.” Make a list of all of your creditors. Classify the list based on the size of the debt and the age of the account.

Credit bureau’s measure the average length of time it takes you to pay off debt. If you have new accounts, then pay those down first before focusing on your older debt. This strategy helps to drop the ratio and improve your credit score.

Pay debts with the highest APR and monthly payments first. Doing this helps you avoid paying unnecessarily high interest, giving you more funds available to pay off any other sources of debt.

Wrapping Up

Paying accounts late negatively affects your credit score as well. If you do have to make a late payment, prioritize whom you pay first. Credit cards, mortgage facilities, and auto loans are the top-tier for creditors you should concern with paying immediately. These lenders are the most likely to report your current non-payment or slow-payer status.

Cellular providers and utilities are more likely to give you a grace period before they report you to a bureau or credit agency. On your credit report, there is a section listed as “Accounts.” Check the accounts listed on this page, and prioritize these payments first.

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Editorial Disclaimer: Opinions expressed here are the author’s alone, not those of any bank or credit card issuer and have not been reviewed, approved or otherwise endorsed by any of these entities.

Disclaimer: The responses below are not provided or commissioned by the bank advertiser. Responses have not been reviewed, approved or otherwise endorsed by the bank advertiser. It is not the bank advertiser’s responsibility to ensure all posts and/or questions are answered.

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Credit Repair Companies

USA Credit Repair Review

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Consumers looking into credit repair companies are faced with many different options, some better than others. USA Credit Repair falls short of meeting our standards in several areas, including quality of services, pricing structure, and sales practices. Our review breaks down these red flags and more to help you make the most informed decision when approaching credit repair.


Pros Explained

  • Free consultation: Get a credit repair consultation before deciding if you want to commit to services.
  • Offers an accelerated service: If you’re in a rush, you can pay for faster results.
  • Cancel anytime: USA Credit Repair doesn’t lock customers in with long-term contracts.
  • Online portal: Track your progress via a convenient account management portal.

Cons Explained

  • Misleading claims: USA Credit Repair makes several claims regarding fees and guaranteed results that could easily mislead customers.
  • Lack of pricing transparency: The company fails to disclose pricing online, forcing you to talk to a sales agent to get a quote.
  • Website difficult to navigate: It’s hard to find the information you need on USA Credit Repair’s website.
  • No educational resources: We typically like to see credit repair companies provide value with free educational materials, but USA Credit Repair doesn’t make these available.
  • Doesn’t offer a money-back guarantee: USA Credit Repair promises results within the first 30 days but doesn’t back this claim up with any type of financial guarantee.

Types of Services

USA Credit Repair’s services are limited to the bare minimum typically required of a credit repair company. There are no clearly defined service packages, just a single membership option with few opportunities for customization.

Credit report analysis

The first step in USA Credit Repair’s process is a credit report analysis. A credit expert reviews your credit reports in depth, looking for negative items bringing down your score. Each item is carefully examined to determine whether you might have grounds to dispute it with the credit bureau.

Credit disputes

If USA Credit Repair identifies items in your credit reports that are inaccurate, they’ll contact the credit bureaus on your behalf to initiate the dispute process. This includes filing appeals if a dispute is initially denied.

If you believe a credit reporting error comes from the lender’s side, you can also have USA Credit Repair send a validation request to ask for proof that the debt is legitimate. Finally, the company handles goodwill interventions, which can be an option for a small number of people with a single negative mark but overall good credit. If the item is accurate but an anomaly on your report, you may be able to have it removed just by showing an otherwise positive payment history.


Optional Add-ons

Credit repair companies sometimes sell add-ons to their core packages for an extra fee. For example, they may offer credit monitoring or identity theft protection to be used in tandem with their credit repair services. USA Credit Repair doesn’t make any of these available, although it does provide one optional service to speed up the credit repair process.

Accelerated program

Unexpected credit reporting errors can hold up time-sensitive processes such as applying for a mortgage. If you’re on a tight schedule, USA Credit Repair’s accelerated program provides faster results for an additional upfront fee. However, the company doesn’t say exactly how much more efficient its accelerated program is compared to standard service. Without any guarantees, it’s hard to say whether this add-on is even worth it.


Customer Service

Like most credit repair companies, USA Credit Repair stays in touch with customers via phone and email. Operating hours are somewhat limited, from 9 a.m. until 6 p.m. EST. The company also hosts an online portal where customers can log in and check the status of their credit repair case 24/7.

Each customer is assigned a dedicated case representative who oversees their entire credit repair process from start to finish. While this is fairly common, not every company does it and it makes a big difference in the overall customer experience. With a designated case manager, you’ll always have someone to talk to who is familiar with your specific situation.


Company Reputation

USA Credit Repair’s reputation among customers is mixed. To the company’s credit, it has no complaints registered with the Consumer Financial Protection Bureau, which keeps a record of customer-reported issues related to poor business practices and potential legal violations. It also has an average 4-star rating on Google with mixed positive and negative reviews.

However, USA Credit Repair has an F rating with the Better Business Bureau and a pile of concerning complaints. Many former customers claim that they were charged hundreds of dollars in advance for services that failed to produce results. There are also reports of harassing phone calls after discontinuing services with the company.

Just because a company doesn’t have any complaints with the Consumer Financial Protection Bureau doesn’t make it automatically trustworthy. Most consumers don’t know about the CFPB complaint database, and it’s not uncommon for smaller companies like USA Credit Repair to have no complaints. In addition to vetting companies through the CFPB database, you should also look at other resources like the Federal Trade Commission, the Better Business Bureau, and Google Reviews.

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

On its website, USA Credit Repair advertises that it has no contracts and offers a “month to month” service that customers can cancel anytime. But according to testimonials from former clients, this isn’t exactly the whole truth. Many customer complaints allege that company representatives convinced them to pay for multiple months ahead of time in one lump sum, typically in three-month quantities. Although this may not technically be considered a long-term contract, it’s a problematic practice, to say the least.


Cost

Our most pressing concern while reviewing USA Credit Repair was its pricing structure. First and foremost, the company doesn’t disclose its prices online. This is typically a red flag, as it forces customers to talk to a sales representative just to get a quote, which opens up opportunities for pitfalls. Pricing may vary by individual and plan, although according to the information we received and reports from customers, base pricing is around $99 per month.

With that said, an overwhelming number of former customers claim that they were charged upward of $300 in advance for multiple months of service. This typically appears to happen after the customer calls in and is convinced by a company representative that their credit repair case will take a certain number of months to resolve. Those who enroll in the accelerated program can expect to pay an additional $350 fee on top of regular service charges.

USA Credit Repair also publishes some misleading information on its website regarding its fee structure. The company advertises no upfront fees, but this is a moot point since the Credit Repair Organizations Act makes it against the law for credit repair companies to collect payment before services have been rendered. To make things worse, hidden in the website’s fine print is a disclaimer that states “an initial setup work fee will be charged within the first week or once initial work is completed.”

One other item we found missing was a discount for couples. It’s fairly standard for credit repair companies to give couples a break on fees when signing up since their reports share much of the same information. With USA Credit Repair, couples have to pay full price for two individual memberships.

The one silver lining is that USA Credit Repair’s initial consultation is free. Not every credit repair company does this. A free consultation is a good opportunity to ask the company hard questions about whether any items stand out on your report as potential errors. If the representative is unable to point to any legitimate mistakes, credit repair may not be necessary for you.

Remember that credit repair companies can’t work magic. If all the information on your credit report is accurate and there are no errors to dispute, you’ll only be able to improve your credit by keeping debt low and making consistent on-time payments.


The Competition: USA Credit Repair vs. CreditNerds

To see if USA Credit Repair was worth the $99 monthly fee, we compared it to CreditNerds, a competitor that offers free basic credit repair. Instead of collecting fees from its customers, CreditNerds makes money by referring clients to affiliate partners.

We were unable to find anything significant in USA Credit Repair’s service offering that wasn’t available through the free CreditNerds plan. If that wasn’t enough, CreditNerds provides some of the most advanced educational tools in the industry—also without charging a dime. CreditNerds gives USA Credit Repair a run for its money and is absolutely worth considering before you sign up for a paid plan.

  USA Credit Repair CreditNerds
Year Founded 2004 2007
Services Offered Credit repair Credit repair, funding
Customer Service Touchpoints Phone, email, client portal Phone, email, client portal
Upfront Fee $99.00 $0
Monthly Fee $99.00 $0


Verdict

Overall, we aren’t impressed with USA Credit Repair’s limited services, especially given the company’s relatively high fee of $99 per month. Several competitors offer complete service packages at significantly lower prices, many of which take a more effective approach that includes credit education and long-term financial planning. Even if USA Credit Repair did provide better value, the company’s advertising practices and lack of transparency make us concerned that customers could easily be misled and fall into traps.



How We Review Credit Repair Companies

Since the credit repair industry is well-known for leading consumers astray, we take a highly critical approach to reviewing companies. Our scoring system analyzes quality of services and pricing, comparing them to industry standards and best practices. We look at each company’s marketing language and flag any misleading terminology. We also give higher scores to companies that provide educational materials to help customers achieve long-term financial success.

Learn more: Read our full Credit Repair Review Methodology here.



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CreditRepair.com Credit Repair Review

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One of the most well-known credit repair companies, CreditRepair.com has been helping consumers address credit disputes since the late 1990s. But just because a credit repair company has spent decades in business doesn’t mean it offers the best services. While CreditRepair.com has a competitive range of plans, there are also a few red flags you should know about before you decide to enroll in credit repair services.


Pros Explained

  • Offers a free credit evaluation: Get a free online credit snapshot that includes your credit score, a summary of the negative items on your report, and suggestions for how to address them.
  • Choose from three service levels: CreditRepair.com offers options for basic, moderate, or aggressive credit repair based on your needs.
  • Robust educational library: Even non-customers can take advantage of the free credit information, videos, and interactive calculators at CreditRepair.com.
  • Mobile app available: Download the free CreditRepair.com mobile app to track your progress and get alerts.
  • Option for in-house credit monitoring: Two of CreditRepair.com’s three service packages include ongoing credit monitoring and alerts.

Cons Explained

  • Poor customer reviews: CreditRepair.com gets consistently poor feedback across multiple review sources.
  • Lacks full pricing transparency: Pricing isn’t disclosed up front on CreditRepair.com’s website, and you need to watch out for hidden fees.
  • Limited monthly disputes: Depending on the plan you choose, you’ll only get 15 to 19 disputes per month.
  • Not available in all locations: CreditRepair.com may be unable to offer services in your area of residence due to lack of local legal representation. Unfortunately, the company doesn’t disclose its service areas; you’ll have to enter your address to find out.
  • No money-back guarantee: Many competitors offer a refund if they aren’t able to remove any items from your report, but CreditRepair.com doesn’t have a similar policy.

Types of Services

CreditRepair.com offers three service packages with tiered levels of service. These are designed with the idea that not all customers need the same level of support in repairing their credit; some may just have one or two errors to be corrected while others are in need of a complete overhaul. This allows customers to save money by not paying for services they aren’t likely to ever use.

Direct Plan

The entry-level Direct Plan is the one most suited for individuals with an overall decent credit history, but who could benefit from correcting a small number of errors on their report. The plan comes with up to 15 disputes per month (five per credit bureau), a quarterly credit score update, and access to customer service as needed. However, CreditRepair.com will not dispute inaccurate hard inquiries on your report with this plan.

Standard Plan

The next step up is the Standard Plan. This package includes the same number of monthly credit disputes and credit score checks, but adds a few features useful to those with more extensive credit repair needs. In addition to your quarterly credit score, you’ll also get a personalized analysis as to what has changed and what could still be improved. Ongoing credit monitoring is included with alerts sent anytime there is a significant change. CreditRepair.com will also dispute hard inquiries on your behalf.

Advanced Plan

If you have extremely poor credit and need improvements that go beyond disputing inaccurate information, the Advanced Plan may be more suited to your needs. The package includes roughly the same credit repair benefits as the Standard Plan, although you’ll get 19 disputes per month instead of 15. However, the plan also comes with $1 million in identity theft insurance and access to personal finance tracking tools to help you better manage your open credit accounts.

Service Direct Plan Standard Plan Advanced Plan
Monthly items disputed 19 15 15
Credit score checked Monthly Quarterly Quarterly
Credit score analysis Monthly Quarterly  
Customer support
Credit monitoring  
Hard inquiry disputes  
Identity theft insurance    
Credit account management tool    

Optional Add-ons

Between CreditRepair.com’s three tailored plans, there isn’t much need for add-on services. With that said, the company does sell one optional extra that can be tacked onto any package.  

Quickstart Service

If you’ve just discovered errors in your credit report while in the process of a major financial event (such as applying for a mortgage), you’re probably on a tight schedule to correct the issue. CreditRepair.com’s Quickstart service charges a small one-time fee to automatically retrieve your TransUnion credit report from partner site Credit.com and load it into their system. This can save a bit of time as CreditRepair.com won’t have to wait to start looking through your report.

Pay close attention as you’re completing the checkout process on CreditRepair.com. The company automatically checks the box selecting Quickstart, and unless you uncheck it, you’ll be charged an extra $14.99 for a service that you may not want or need.


Customer Service

CreditRepair.com’s main customer service touchpoints are via email and phone, the latter of which is operated Monday through Friday from 6:00 a.m. until 10:00 p.m. MST.

Customers can also download a mobile app for easier access to their account dashboard and credit score tracker. The app is available for both iOS and Android and gets generally positive reviews with at least four-star ratings in both app stores.


Company Reputation

From an objective standpoint, CreditRepair.com’s services appear to offer good value with a broad range of services. Unfortunately, however, many customers seem to disagree. The company has a D rating from the Better Business Bureau, 62 complaints in the past three years, and a three-star average rating.

More worrisome is that CreditRepair.com has been the subject of 16 complaints with the Consumer Financial Protection Bureau in the past three years and was even sued by the agency in 2019. According to the lawsuit, CreditRepair.com and a competitor owned by the same holding company, Lexington Law, both violated telemarketing laws and charged illegal credit repair fees before any service had been rendered. This violates the Credit Repair Organizations Act, which states credit repair companies cannot collect payment before providing their services.

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

None of CreditRepair.com’s service plans are subject to contracts, meaning you can cancel anytime without penalty. According to the company, most customers need to pay membership fees for an average of six months to see results.


Cost

CreditRepair.com prices its services according to the table below, with fees ranging between $69.95 and $119.95 per month depending on the plan you choose. Those who select the Quickstart service will incur an additional one-time fee of $14.99.

  Direct Plan Standard Plan Advanced Plan
Monthly fee $69.95 $99.95 $119.95

To stay in compliance with the Credit Repair Organizations Act, CreditRepair.com calls its first month of membership fees a “first work fee”. This is because credit repair companies aren’t allowed to start charging monthly fees until they’ve already begun performing work. From a practical standpoint, this doesn’t change anything for the consumer, but it’s something to be aware of as you’re signing up for credit repair.


The Competition: CreditRepair.com vs. The Credit Pros

No two credit repair services are the same. To gauge how CreditRepair.com stacks up against the competition, we pitted it against The Credit Pros. Both companies charge similar monthly fees for their entry-level plans, although The Credit Pros’ most premium plan is pricier than CreditRepair.com’s most expensive option. The Credit Pros also charges a significant upfront fee whereas CreditRepair.com has none.

While The Credit Pros is higher in price, we find the difference justified. All packages include credit monitoring and identity theft protection, items CreditRepair.com only offers with higher-tier plans. The Credit Pros will also submit unlimited disputes on your behalf, while CreditRepair.com places a cap on the number of disputes per month at each of its service levels. Finally, The Credit Pros offers financial management tools to all of its credit repair customers that CreditRepair.com doesn’t match. These include bill payment reminders, a budgeting system, and automatic syncing with your open accounts.

  CreditRepair.com The Credit Pros
Year Founded 1997 2009
Services Offered Credit repair, monitoring, identity theft protection Credit repair, monitoring, identity theft protection, financial planning
Customer Service Touchpoints Phone, email, mobile app Phone, email, client portal
Upfront Fee $0 $119.00 to $149.00
Monthly Fee $69.95 to $119.95 $69.00 to $149.00


Verdict

Looking at CreditRepair.com’s plans and services, they seem to provide much better value than competitors, especially considering the inclusion of credit monitoring and identity theft protection with premium packages. However, we’re highly concerned with the volume of customer complaints and CreditRepair.com’s history of facing legislation from the Consumer Financial Protection Bureau. It’s best to proceed with caution with this company.



How We Review Credit Repair Companies

We assess a variety of factors to review credit repair companies, using a quantitative scoring system to assign each a total score out of five possible points. Our method looks at the services offered by each company, including the number and variety of plans available and their value in terms of pricing. We also look at each company’s reputation among customers and with third-party agencies such as the Consumer Financial Protection Bureau. Finally, we walk through the customer purchasing experience to see what you can expect if you decide to enroll in credit monitoring services.

Learn more: Read our full Credit Repair Review Methodology here.




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Credit Repair Companies

ADR Financial Group makes its name as one of The Best Credit Repair Companies in the USA

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Your credit score plays a vital role when it comes to buying a car, purchasing a home or obtaining a loan for any other purpose like starting a business. In cases where you have a lower credit score, these purchases may become unrealistic and impossible to achieve. It may result in having to pay higher interest rates or putting down a large down payment. Having negative marks on your credit report will hamper your creditworthiness which is why it is important to stay on top of your finances. 

Within a short period of time, ADR Financial Group quickly raised to the top as one of the best credit repair companies in the United States. Founded by Alexis (“Lex”) DeWitt and Ratiq (“Rocky”) DeWitt, ADR Financial Group is based in Charlotte, North Carolina. ADR Financial  Group is dedicatedly assisting their  its clients with the removal of inaccurate, erroneous, and unverifiable accounts on their credit report. With a mission to deliver a clean credit profile to its their clients, ADR Financial Group also educates their clients on how to achieve the highest credit scores during restoration. 

ADR Financial  Group is not your typically credit repair company.  What separates ADR apart from all, is the fact that their program is personalized to fit their client needs,  rather than providing a generic procedure for all. Although credit is an important aspect of life it is not taught in schools or institutions. This is the sole reason behind the establishment of ADR Financial Group. Over the years, ADR helped many of their clients reach their financial goals . Till date, ADR has helped more than 700 families purchase their dream home, removed more than $17 million of debt from credit reports and deleted over 72,000 negative accounts.

Some of the services offered by the company are Full-Service Credit repair, DIY Credit Repair, Tradelines, Credit Education, Business Credit and Credit Monitoring. Moreover, ADR also teaches other entrepreneurs how to start their own credit repair company to help change lives. Check out their website www.badcreditcostmore.com if you’re interested in their services. 

In the next 5 years, the company plans to be a pioneer for all those who find difficulty in purchasing their homes. ADRs target is to help 5000 families in building a home of their dreams. Besides this, ADR plans to make financial literacy a topic of discussion in many schools and households. ADR is making a significant impact in urban 

(Syndicated press content)

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