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.
The Credit People offer a simple way to check out their services: pay an initial fee of $19, which includes your credit report (a service often not provided by credit repair services) and see what you think for the next 7 days. If you choose to continue using their credit repair plan, you'll pay a flat fee of $79 per month. The service can be cancelled at any time, and an "Unbeatable Satisfaction Guarantee" allows you to get a refund for one month's service fees (this is assuming you cancel as soon as you're unhappy, not months after the fact).
"I must say that even though I had signed up with the service, at first there was slight skepticism as to whether or not they would provide the level of service promised. They have a believer out of me. In less than three months I have seen my credit score jump from 638 to 708. This is due to their dogged persistence in having negatives removed from my credit report. I initially decided that I would cancel my subscription in three months if I was not satisfied. I will recommend their service to any and everyone I know. THANK YOU CREDITREPAIR.COM!!!"
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Pyramid did not blow us away with the description of their services. Who do they contact to submit disputes? How quickly do they follow up? Which types of circumstances do they help with? Most of their competitors offer lengthy lists of exactly which types of disputes they draft and what to expect from the service; Pyramid's answers were vague at best.
"CreditRepair.com is an exceptionally wonderful company for people with the desire to improve their credit. There are people who will work with you to answer any questions you may have and will work with you in your journey to improve your credit. Most importantly, they will intervene on your behalf to remove negative information from your credit report."
The best credit repair service includes credit education tools that help you maintain your improved credit once it’s repaired. Credit coaching helps you better understand how different decisions affect your creditworthiness. Many credit restoration companies provide credit score simulators to see how specific actions are likely to affect your credit score. Financial education tools help you better manage your future credit profile after your reports are cleaned up and your score is improved.

Credit repair services: Credit Saint’s services are broken up between three different packages: Credit Polish, Credit Remodel and Clean slate. All three packages include help with items such as late payments, identity theft, charge-offs, collections and inquiries. Items like bankruptcies, repossessions and judgments are available on the higher-tier plans. Clean Slate is their most aggressive plan.
"CreditRepair.com is about the only email I look forward to receiving weekly. I am so grateful and amazed how CreditRepair.com has made an impact not only on my credit but also in my life, I can breathe again, and the past mistakes are behind me. Thank you to all the Staff that works hard to accomplish the results I was hoping for! P.S. I love the online chat, quick and easy."

Unfortunately, when your credit history is less than fantastic - because of making payments after the due date, having too many credit inquiries, or even having mistaken information associated with your identity - you'll have fewer options when you need to make a major purchase. You may even have to pay higher than average rates on your car insurance or your mortgage.
This company is bad and I mean BAD in the worst sense. They sent out a letter to one of the creditors I wasn't concerned about, but it ended up in my mail box because it was sent to the wrong address. Yes, my snail mail box. They had sent it as if I was the one who wrote the letter and as if I was only 6yrs old, seriously it was so bad I thought it must be from someone who had hacked my account. The letter was sent to my bank who I have a very good relationship with. I waited a few days and called credit repair and asked if this was from them, I was told it was. I then asked if they had their kid write the letter and was told that's just how they send out the letters because it confuses the creditor, what??? I told them there was only 2 creditors I wanted to rid from my reports but for some reason they decided what I wanted and was paying for was not what they wanted, who is paying the bill here? I am!! You do what I say to do and what you don't do is send letters to wrong addresses so they don't end up in my mail box! I wish there was a way to add an attachment here I'd show the pathetic letter they sent which is the very same they send out for everyone. 1 star is 10 too high for this or any other so called credit repair company. Don't waste money on something you can do yourself. Just look at the pathetic responses they give to the above complaints.
"Without a doubt I was at the end of my rope and profoundly desperate to turn my credit score around. I was tempted to consult with individuals who were promising and guaranteeing quick results for an astronomical fee. After speaking with a CreditRepair.com representative, I felt comfortable and was willing to give them the opportunity to assist me and I have been exceptionally satisfied with their service."
The payment history of the individual can be a significant factor on their credit standing. Taking steps to make sure payments are up to date or improve the payment schedule for outstanding credit can beneficially affect their credit score. Furthermore, the amount of credit used by the individual can also play a role. For instance, if an individual is actively using large portions of the credit available to them, even if they are maintaining minimum payments on time, the size of the debt they are carrying can negatively affect their credit rating. The issue is that their liquidity may be pressured by the overall debt against them. By taking measures to reduce their overall debt load, they may see improvements to their credit profile.

You'll probably have a limited amount of money to put toward credit repair each month. So, you'll have to prioritize where you spend your money. Focus first on accounts that are in danger of becoming past due. Get as many of these accounts current as possible, preferably all of them. Then, work on bringing down your credit card balances. Third are those accounts that have already been charged-off or sent to a collection agency.


Credit Saint offers a money-back guarantee that is above-average: if you don't see any negative items deleted from your credit history in the first 90 days of service, you are eligible to request a full refund of any fees paid. Customers should expect it to take up to two months for those deletions to start appearing in their online portal, and the terms of the guarantee require the client to send in any requested documentation or other updates in a timely fashion.
The cloud-based credit repair software is simply more productive and affordable. Downloadable software can be expensive, unreliable and the prices will only increase as your business grows. But with this cloud-based online software, your company can continue to grow, and you will simply continue the routine of opening a browser and logging in. Aside from its competitive price, you can rest assured you will never experience crashes with 99.9% uptime. You don’t want software that starts bugging out every few days. This program has 99.9% uptime, which means you don’t need to worry about losing time and money. In addition, your data will be backed up on a secure backup server as you work.
The best credit repair service includes credit education tools that help you maintain your improved credit once it’s repaired. Credit coaching helps you better understand how different decisions affect your creditworthiness. Many credit restoration companies provide credit score simulators to see how specific actions are likely to affect your credit score. Financial education tools help you better manage your future credit profile after your reports are cleaned up and your score is improved.
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.

Here’s a good example of when a reputable credit repair service can help you do something you may not be able to accomplish yourself. If you have a collection account that’s been sold to a few different debt collectors, it can appear on your credit report multiple times. That information is accurate but having that one debt dinging your credit score multiple times doesn't meet the “fair” standard that Padawer mentioned.

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