If you have negative information on your credit report, it will remain there for 7-10 years. This helps lenders and others get a better picture of your credit history. However, while you may not be able to change information from the past, you can demonstrate good credit management moving forward by paying your bills on time and as agreed. As you build a positive credit history, over time, your credit scores will likely improve.
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.
"My experience with CreditRepair.com is the best experience I’ve ever had. You all are truthful, you’re not phonies like most credit cleaning companies are. You all keep me posted and keep all my information accurate; I always receive updates on my credit report – what’s been deleted or any changes at all. The world should come to this company; I would assure them that this is the best cleaning company in the world that anyone could ever want to come to!"
With what they charge, is Lexington Law effective at helping people improve their credit history? As you'd expect with such a large business, the reviews are mixed. Most credit repair services are criticized for not making noticeable improvements in less than two months, but that's to be expected. But, Lexington seems to have a higher-than-average number of people who say that they didn't get prompt responses from company reps, not just that their reports didn't improve quickly. On the other hand, we found numerous people saying that their credit scores improved dramatically as they stayed with the service, usually for six months on average.
"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!!!"
With the elimination of downloadable credit repair software, companies found themselves with an old program in a new age world. Most credit repair software programs were made to facilitate 32-bit computers, which have now become a thing of the past. Having updated computer systems are a must when it comes to operating a successfully growing credit repair businesses, and outdated software will only inhibit and restrain your advancement.
After you download your credit reports, it takes several hours to review them for errors. Then, you must gather documentation and draft dispute letters, which could take up to a week or more if you aren’t already familiar with your records. Depending on the item and the reason it's in your credit history, this could involve writing a short letter or performing significant amounts of research.

Using a reputable credit repair company puts you back in control of your financial reputation. These services work on your behalf to reduce or eliminate any negative factors in your credit history, working directly with collection agencies, creditors, and even with the three primary credit bureaus. With the help of a credit repair company, you can improve your score and even put a stop to negative information being reported on your accounts. Most services take several months before you see measurable results on your credit report, so adjust your expectations accordingly.


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?

© 2019. All Rights Reserved | Legal disclaimer: The information contained on this site and our guides are for educational and informational purposes only. It does not constitute legal advice, nor does it substitute for legal advice. Persons seeking legal advice should consult with legal counsel familiar with their particular situation as consumer credit laws vary by state.
I first talked too Customer service rep. J. C. She did an EXCELLENT!!! Job giving me information & helping me figure out what I could do to solve my Questions about disputes on my Credit Report.Also explaining everything Credit Repair.com does.She was Awesome!!! Then when i called to speak with Andrea in Member Services she was also very helpful Nice Knowledgeable in Everything about Credit Repair.com THANKS TEAM MEMBERS!!!! You're GREAT!!!
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.
Credit repair.com is on time they are legit an about thier business an if your a client you are definitely 1st priority an they will make sure that you are satisfied they trive for your satisfaction an they do a good job at it !! in just a month a negative item was removed from my credit report an i was blown away from the quick services !! believe me if your looking to better yourself by improving your credit an witness your credit score surge from the low 500's to the high 600's or more an to move forward in life with future plans that a bad credit score would hinder you from doing, an also make positive changes in your life credit repair.com in my opinion would be the choice to get started moving forward.

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.
"To everyone at CreditRepair.com. You guys are fantastic in our book! Just wanted to drop you a quick note to say thank you for all the great work you've done helping us in repairing our reports with all the bureaus. Our scores went up much faster than we expected them to and you even managed to fix several items that were not ours and that we couldn't get done ourselves. Great job thus far. Keep it up. We would be happy to recommend your service to anyone who might be in need. Have a great day and God bless."

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.


MSI Credit Solutions assists clients with credit repair, restoration and credit building. MSI is fully bonded and offers services in English and Spanish. Their credit repair services can help you remove incorrect marks on your credit report, including items like late payments, collections, charge offs, repossessions, tax liens, judgments and bankruptcies.

"I love CreditRepair.com, I was advised in April 2014 to use them by my son and dad, and they have been much help so far. I am able to track all 3 bureaus and the activity that goes on. My score is not perfect just yet, but they have removed most of the hard inquiries, which raised my score 40 points in no time. Thank you CreditRepair.com. I definitely recommend to all my friends and who ever comes across this post."

"My credit had been bad for a while because of bad decisions. I just came to the point where I said this can be better. I heard your radio commercial and your customer service walked me through the whole process and explained and answered all my questions. I am very thank you for you helping me raise my scores to a respectful. It’s been such a journey. Thank you"

"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!!"

Brittney Mayer is a credit strategist and contributing editor for BadCredit.org, where she uses her extensive research background to write comprehensive consumer guides aimed at helping readers make educated financial decisions on the path to building better credit. Leveraging her vast knowledge of the financial industry, Brittney’s work can be found on a variety of websites, including the National Foundation for Credit Counseling, US News & World Report, NBC News,TheSimpleDollar.com, CreditRepair.com, Lexington Law, CardRates.com, and CreditCards.com, among others.


Disclaimer: Crediful does its best to maintain accurate and updated information. However, our web content may be different than the information you receive from a financial institution or service provider. We do not offer warranties for any products and services linked from this site. Before choosing any financial product, read all information, including terms and conditions from the financial service provider. Finally, the site may receive compensation from third-party advertisers. All content is written objectively and meant to provide a neutral opinion.
"To everyone at CreditRepair.com. You guys are fantastic in our book! Just wanted to drop you a quick note to say thank you for all the great work you've done helping us in repairing our reports with all the bureaus. Our scores went up much faster than we expected them to and you even managed to fix several items that were not ours and that we couldn't get done ourselves. Great job thus far. Keep it up. We would be happy to recommend your service to anyone who might be in need. Have a great day and God bless."
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 bureaus must send a notice of any corrections made to your report. Sometimes, a deleted dispute can reappear on your credit reports if the lender proves its claim is valid. If you find a derogatory mark reinserted on your credit reports, you can dispute it again. If you believe a credit reporting agency or one of your creditors has violated the FCRA, you should submit a consumer complaint to the Federal Trade Commission (FTC).
Yes they have military pricing for families as a courtesy. I used them before. Reliant has some kind of discount thing going as well, which is good because after they charge you and limit you, you get some $ off which is a relief. The dislikes on this are probably them or their fans. They don't seem to like competition which is understandable since they don't know how to compete anyway. Hope that helps.
"I recently started working with CreditRepair.com and I am already SO happy that I did! They are working hard and have already made a positive impact on my credit report. They helped remove negative items from my credit report that shouldn't have been there. This directly caused an increase in my credit score! I called their customer support line the other day and they were easy to talk to, the guy was VERY friendly and easy to understand, and in a country full of terrible customer service, CreditRepair.com's customer service definitely gets an A+! The price they ask for their services is more than fair. I am very pleased with the service that I have received so far from CreditRepair.com and I will definitely recommend them to my friends. "
I first talked too Customer service rep. J. C. She did an EXCELLENT!!! Job giving me information & helping me figure out what I could do to solve my Questions about disputes on my Credit Report.Also explaining everything Credit Repair.com does.She was Awesome!!! Then when i called to speak with Andrea in Member Services she was also very helpful Nice Knowledgeable in Everything about Credit Repair.com THANKS TEAM MEMBERS!!!! You're GREAT!!!
Editorial Policy: The information contained in Ask Experian is for educational purposes only and is not legal advice. Opinions expressed here are author's alone, not those of any bank, credit card issuer or other company, and have not been reviewed, approved or otherwise endorsed by any of these entities. All information, including rates and fees, are accurate as of the date of publication and are updated as provided by our partners.
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