"I originally called just to get information, which I did receive plenty of. However, after speaking with a professional my mind was blown on what can, and should be done, and how creditors just don’t do what they are suppose to. So I immediately hired CreditRepair.com for credit repair services and in just a month they increased my score drastically. We still have a long way to go but I’m confident that it’ll get it resolved the rest of the way."
We're still of the opinion that they have something to offer when it comes to credit repair, so we'll get to their packages shortly. First, however, it's important to understand two things: their fees have nearly doubled over the last five years, which could be related to having reached a settlement in Maryland over allegations of not conducting their business properly with respect to all legal requirements within the industry. This changed their grade with the Better Business Bureau; at the time of our last review, Lexington Law enjoyed a respectable "A-", but during our most current survey of their services they were designated as "Not Rated" while the BBB reevaluates their score.

Avoid at all costs! Do not use them, use one of their competitors. Any of their competitors, frankly. From the get-go, everything took forever to on-board. It took them two months to set up my account, even after badgering them about it (daily) for a month, via chat. In the 6 months that I used them, they removed but a single negative remark off of my credit. 1 out of the 20 (across the three major credit bureaus). Terrible execution on their part, from their membership correspondence to their ambiguously phrased chat responses. "We're sorry, we really are..." or "Bear with us, we are trying hard for you...: Blah, blah, blah, blah, blah... They removed ONE SINGLE NEGATIVE REMARK IN 6 MONTHS!!! I spent over $1K using them and they did virtually nothing for me. Save your money and go elsewhere or call the credit bureaus yourself, as ALL THEY DO is challenge negative remarks. Their service is pointless and costly. I'm absolutely positive you'll get some bureaucratic, bull crap answer from them below my review, but know this. THEY DON'T DO THEIR JOB AND THEY MAKE UP EXCUSES and their software barely functions. I complained to their IT department 10+ times and they still didn't fix it on the 6th month of service. Just rubbish!
And with ecommerce transactions becoming more and more common right along with significant data breaches, identity theft rates are only increasing. The number of documented data breaches increased from 614 in 2013 to 1,579 in 2017. Whatever the source, mistakes in a credit report can have devastating effects on a consumer’s ability to access credit.
Yes! Security is our top priority, and we built Credit Repair Cloud from the ground up to make sure your clients and data are secure. Client Data Protection is required by law and we use the same security encryption (256-bit) as banks. Your encrypted data is stored in a US data center that is SAS 70 (Sarbanes-Oxley) compliant, backed up daily and protected by armed guards. Learn more.
"I was very skeptical when we first started with CreditRepair.com and didn’t think they could do too much to help me but we’ve been with them for 2 years now and have seen over a 200 point improvement. For the first time ever I was able to get a loan with the lowest interest rate and when they told me that I asked if they had the right person. I work 60+ hour workweeks and so for me, working with CreditRepair.com was exactly what I needed. I don’t have time to work on my credit by myself but when I put it in their hands, they took care of everything for me and made it so simple for me with little to no effort on my part. I would recommend CreditRepair.com to anyone I know that needs help with their credit. It has been an amazing experience for me and my wife."
Amber Brooks is a Contributing Editor at Digital Brands. She spends her days consulting with financial experts to bring readers the best recommendations and tips on the web. She's interviewed financial leaders from all around the world. With a background in writing, she's uniquely suited to diluting complex financial jargon into terms that are easily understood. When not obsessively budgeting out her days, Amber can often be found with her nose in a book.
It involves identifying questionable negative information on your credit reports and challenging the negative items in question. But, it can also require following up with the credit bureaus and to get the negative items from your credit reports removed. If you have been a victim of identity theft, it is highly likely that you have multiple accounts that need to be disputed.

Credit Assistance Network is one of the few credit repair providers that offers a pay-as-you-go pricing structure. You'll make an initial payment of $179 (or $279 for a couple), which gets you access to one -on-one consultations with a certified FICO professional, debt validation/goodwill letters to creditors, cease and desist letters to collection agencies, and unlimited disputes. From there, you'll be charged for every deletion CAN is able to achieve on your account - $50 for confirmed deletions per bureau, and $70 for deletions from public records. That could add up very quickly, if you have multiple issues on your credit history.
Under the Fair Credit Reporting Act (FCRA), credit bureaus have 30 to 45 days to investigate a disputed claim. If they can’t verify it within that time, they must remove the entry. For example, if you file a dispute with a credit bureau over a late payment and your creditor can’t verify the information, the bureau must remove that late payment from your credit report. For payments less than 90 days late, you can request a goodwill adjustment from your creditor and set up payments to prevent further damage to your credit history.
There are a lot of reasons that your credit may be in rough shape. Most are related to your spending habits. And, if you missed a few payments or your debt levels are too high—think over 30% of your total available credit limits—disputing errors won’t help you. You’ll have to make some changes to improve your credit scores instead. And you may have to wait a bit to see an uptick.

Who wouldn't love to get paid to shop, eat out, or go to the movies? That may sound too good to be true, but thousands of mystery shoppers across the US and Canada are doing just that: getting paid to visit restaurants, retail stores, and even theme parks in order to provide a customer's perspective on the cleanliness, service, and overall experience at the location.
Dispute automation and efficient credit repair letters are the primary tasks of most credit repair software created. Credit repair software allows the users to run a credit repair business from anywhere. Credit dispute automation, Credit repair, Credit dispute letter creation, and Credit rebuilding are difficult tasks to manage without automation. All of the above Credit Building and Credit Repair activities were previously managed manually before the innovation of Credit Repair software providers like TurboDispute. Now that credit repair software is available at an affordable price, anyone looking to run, manage and automate the credit repair process can finally efficiently handles the process.
Before the innovation and release of credit repair business software such as TurboDispute, credit repair businesses were helpless when it came to finding a manageable and efficient way to perform simple credit repair tasks. Updating client files and reviewing dispute letters were a time-consuming task that has now been easily organized using credit repair software. By investing in credit repair business software, credit repair businesses can extremely improve their functionality and efficiency all while saving time and increasing their clientele.
"So far my experience with CreditRepair.com resulted in positive results. They have been working non-stop to help me repair my credit scores. I have hopes that in a few short months my score will continue to increase (which it has been steadily thanks to CreditRepair.com) so I will be able to start looking for my new home before the end of the year."
We're still of the opinion that they have something to offer when it comes to credit repair, so we'll get to their packages shortly. First, however, it's important to understand two things: their fees have nearly doubled over the last five years, which could be related to having reached a settlement in Maryland over allegations of not conducting their business properly with respect to all legal requirements within the industry. This changed their grade with the Better Business Bureau; at the time of our last review, Lexington Law enjoyed a respectable "A-", but during our most current survey of their services they were designated as "Not Rated" while the BBB reevaluates their score.
After you’ve resolved the negative items on your credit report, work on getting positive information added. Just like late payments severely hurt your credit score, timely payments help your score. If you have some credit cards and loans being reported on time, good. Continue to keep those balances at a reasonable level and make your payments on time.
"I just can’t explain the way you guys are making me feel every single day. My life has changed tremendously and I have you to thank for it. Thank you CreditRepair.com for making me become a better human. Without your help an support I don't know where I would be! I’m so excited that I have chosen you guys to help me restore my credit. Thank you Sincerely"
Credit restoration specialists have the experience and expertise to navigate even the most complicated credit situations. For example, a credit repair agency can help victims of identity theft remove derogatory marks on their credit reports that resulted from fraud. However, a legitimate credit repair company can’t remove accurate marks just because they are negative.
Advertiser Disclosure Certain credit cards and other financial products mentioned in this and other articles on Credit.com News & Advice may also be offered through Credit.com product pages, and Credit.com will be compensated if our users apply for and ultimately sign up for any of these cards or products. However, this relationship does not result in any preferential editorial treatment.
×