"To be 100% honest, right now I feel like I'm on the bottom of the totem pole. After talking with CreditRepair.com I feel so much better. Anybody could do this stuff but when you're working as much as I am, you don't have the time to do it, and it's just peace of mind throughout the day to know you are helping me and that eventually I'm going to overcome by bad credit situation."
"When I called CreditRepair.com my credit was really bad from being young and not knowing the value of good credit and paying bills on-time. I started to research how to fix it and came across their website so I decided to call. My credit score when I called was a 513 and is now in the 650 range. They have gotten 32 out of 40 negative items removed and I couldn’t be happier. Hopefully when the last 8 are removed it will be over 720! That’s my goal!"
The honest answer? Yes, and no. Credit repair is a great way to improve your credit score, if the problem is caused by a disputable error. If your credit score is poor because of a giant pile of debt — debt that you legitimately owe — then credit repair may not be the right solution. Determining which path to take will be based upon those considerations as well as any other factors that may be unique to your situation — and this is something only you can decide.
Will you get effective credit repair services from Credit Assistance Network? Their reputation is puzzling. On the one hand, they've been in the industry for more than 10 years and have only positive reviews on the Better Business Bureau website - and yet, their rating with the BBB is only a mediocre "C+". We also felt misled by the CAN website, which said that their rating was a flawless "A+". Can you trust a company to repair your credit if, from the very start, they're not fully honest with their own reputation?
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.
"I started CreditRepair.com a couple of months ago and since then my credit score has gone up. I love this service and how they take off the negative items on my report. I would recommend this service if you are looking to repair your credit and get the bad things off your report!! When I get finished with mine my boyfriend is going to sign up and we are going to work on repairing his and taking off any negatives he may have. He too is excited to get his started after seeing the results from mine!!"
"I started CreditRepair.com a couple of months ago and since then my credit score has gone up. I love this service and how they take off the negative items on my report. I would recommend this service if you are looking to repair your credit and get the bad things off your report!! When I get finished with mine my boyfriend is going to sign up and we are going to work on repairing his and taking off any negatives he may have. He too is excited to get his started after seeing the results from mine!!"
Credit repair services: Credit repair services to help dispute and remove collections, late payments, bankruptcies, repossessions, duplicated accounts, junk debt buyers, short sale and foreclosures, incorrect personal info, inflated/expired debts, outdated information, judgments and charge-offs. In addition to credit repair services, Credit Assistance Network offers identity theft resolution and public records disputes.
You can also get your free Experian credit score and a credit report card that are updated every 14 days on Credit.com. Your credit report card shows where you stand in the five key areas that make up your score—payment history, credit utilization, account mix, credit age and inquiries. Your report card also gives you tips on how to improve your standing in each area if needed. And checking your report card and score doesn’t hurt your credit in any way.
Who has the best Tax Relief? What can you do if you owe more taxes than you can possibly pay in a reasonable amount of time? That's a question many Americans are struggling to answer. As inflation rises and tax burdens increase, more people have tax debts owed to the US government and to state/local tax authorities. It goes without saying that having wages garnished and assets seized only adds to the stress felt in that situation.

You can manage your entire credit repair business from anywhere! Since TurboDispute has the advantage of being a cloud-based software, you will be able to access the software from whatever device you choose—desktop, laptop, phone, all you need is a web browser and an internet connection. Accomplish more in less time with automated credit dispute letters. With the “point and click” dispute letter creator, you can create customizable dispute letters fast and print them with “All Pending To Print Letters Bulk Printing” feature.


Credit repair services: Trinity Credit Services helps clients with credit issues ranging from a quick fix to total restoration. The process begins with a free credit report evaluation. Next, they develop a customized credit repair plan. Credit repair services include filing letters to remove inaccurate information from credit reports, such as late payments, bankruptcies and other harmful information.

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).
Other than updating their website, Credit Firm could rank higher among credit repair companies by offering a satisfaction guarantee. While $49/month is affordable and the service is easy to cancel, this provider could take it a step further by letting customers know that they're committed to achieving a specific level of results within a given timeframe.
"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!!!"
"I just want to say how great it is working with CreditRepair.com and how much hope you guys have given me. You have made great strides in just a few short months and I am sure to reach my goal before this year is over. Whenever I call, and I call a lot, you are never too busy to talk to me and I knew from the very first interview that you truly care about your customers. With all my heart I am truly grateful."
"I started CreditRepair.com a couple of months ago and since then my credit score has gone up. I love this service and how they take off the negative items on my report. I would recommend this service if you are looking to repair your credit and get the bad things off your report!! When I get finished with mine my boyfriend is going to sign up and we are going to work on repairing his and taking off any negatives he may have. He too is excited to get his started after seeing the results from mine!!"
If you pay a charge-off in full, your credit report will be updated to show the account balance is $0 and the account is paid. The charge-off status will continue to be reported for seven years from the date of charge off. Another option is to settle charge-offs for less than the original balance if the creditor agrees to accept a settlement and cancel the rest of the debt.
eCreditAttorney has a rock-bottom rating with the Better Business Bureau: F. According to the BBB, the provider has failed to respond to numerous customer complaints in the past three years. Customers describe getting no response from anyone at the company, even after multiple emails and phone calls, and worse - no progress on improving their credit reports after months of paying fees. Why would anyone entrust their credit repair to a company that can't even do a minimal job of keeping their customers - and the BBB - satisfied? You'll have a more positive experience with another service.
"When you first start the program after reading the previous reviews, you hope you're not the next one to get suckered. Which is how I'm feeling right now! $89.00 a month for something that shouldn't take this long. Only small improvements in credit score and already out almost $500.00 bucks. I should have chosen a different company that can deliver faster results instead of milking my wallet month to month. They sound good on radio and in other advertisement, but the actual results don't live up to the HYPE!!!!!! It shouldn't take this long to get the maximum results."
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.
Essentials: for a one-time fee of $69 and monthly fees of $69, you'll get the basics of a personal case advisor, personalized dispute options, and an online dispute manager for tracking everything you submit to the various bureaus, agencies, and so forth. You'll also get access to financial management tools to help you budget for savings and paying down your debts.
If the company's credit repair specialists identify errors on your credit reports, they dispute those errors on your behalf. A credit repair company handles everything from drafting letters to managing correspondence with credit reporting agencies, creditors and debt collectors. You might need to supply documentation to support disputes. Some credit repair companies also offer credit counseling and debt management to help clients improve and maintain credit standing.
Credit repair services: Credit repair services to help dispute and remove collections, late payments, bankruptcies, repossessions, duplicated accounts, junk debt buyers, short sale and foreclosures, incorrect personal info, inflated/expired debts, outdated information, judgments and charge-offs. In addition to credit repair services, Credit Assistance Network offers identity theft resolution and public records disputes.
Then clean slate credit consultants in Florida. Branded as the donkey show. Priced at $59 to $25 and some pricing between $40 and $10 depending on who it is. Truly the best prices and the most unconventional website anywhere. Not for everyone. I was shocked but I figured it out. No upfront costs and they don't bill a credit card which I like. Google reviews rank at 200+. Impressive in this day and age.
"I don't usually believe in all I see on TV or listen in the radio but this credit repair is the truth, I was all by my self with no idea what to do, working 6 days per week and making good money but with an awful credit score. There were bums with better credit than me, until I came in contact with this wonderful CreditRepair.com. In just 2 months I started to see great results, thanks CreditRepair.com."

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.
Will you get effective credit repair services from Credit Assistance Network? Their reputation is puzzling. On the one hand, they've been in the industry for more than 10 years and have only positive reviews on the Better Business Bureau website - and yet, their rating with the BBB is only a mediocre "C+". We also felt misled by the CAN website, which said that their rating was a flawless "A+". Can you trust a company to repair your credit if, from the very start, they're not fully honest with their own reputation?
Essentials: for a one-time fee of $69 and monthly fees of $69, you'll get the basics of a personal case advisor, personalized dispute options, and an online dispute manager for tracking everything you submit to the various bureaus, agencies, and so forth. You'll also get access to financial management tools to help you budget for savings and paying down your debts.
There are no overnight fixes when it comes to your credit, and repair is no exception. Depending on the type, and number, of items on your report you wish to dispute, repair can take anywhere from six weeks to more than a year. No credit repair agency can give you a “30-day guarantee” to solve all of your problems — not only is it unlikely, it’s illegal.

eCreditAttorney's pricing is simple: $29 per month. For that fee, your credit repair service should include addressing late payments, collections, bankruptcies, tax liens, repossessions, judgments, foreclosures, charge-offs, garnishment, even identity theft/fraud. You're expected to provide a current copy of your most recent, updated credit report; it's not included with the fees that you pay. Side note: the link provided by eCreditAttorney for their "preferred credit score provider" took us to an invalid page - not very encouraging.
Credit repair is critical to saving money on insurance, loans, and credit cards, but that's not the only reason to repair your credit. A better credit score opens up new employment opportunities, even promotions and raises with your current employer. If you dream of starting your own business or just want the security of knowing you can borrow money when you want to, you should repair your credit sooner rather than later.
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