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On This Page
First payment fee*: Same as the monthly fee Monthly fee: Starting at $49.95Money-back guarantee: NoneMaximum number of challenges: Limited, but the limits are not clearly definedTypes of letters to creditors/bureaus: Challenge, intervention, cease and desist
*Often referred to as a first-work or set-up fee by other companies
CreditRepair.com offers affordable Consumer Reports found that more than a quarter of Americans find serious mistakes in their credit reports.
With plans starting at $49.95, CreditRepair.com is among the most budget-friendly credit repair companies available. However, comparatively low customer satisfaction scores and recent legal issues relating to marketing and billing policies are causing some consumers to think twice before choosing CreditRepair.com.
The first step in working with CreditRepair.com is having a team member review your credit reports to identify suspicious items. Once you confirm that the flagged items are inaccurate or misleading, the team will contact the credit bureaus to dispute each item that could negatively impact your credit score. The goal is to remove all unfair negative marks on your record to increase your credit score.
CreditRepair.com offers the following services:
CreditRepair.com does not offer money management tools to help you improve your credit over time (such as bill payment reminders or budgeting templates). And, like any reputable credit repair service, CreditRepair.com cannot challenge accurate negative marks on your credit report.
CreditRepair.com currently offers two credit repair packages. CreditRepair.com previously provided three levels of service, but the Direct Package is no longer offered as of December 2024.
The online-exclusive Value Package (also referred to as the Standard Package) provides bureau challenges, inquiry assists, goodwill intervention letters to creditors and quarterly credit score updates for $49.95 per month. This package requires a first work fee of $49.95, which is charged five days after enrollment.
The Advanced Package includes everything from the Value Package plus monthly credit score updates, more bureau challenges, more creditor interventions and cease-and-desist interventions for $119.95 per month. This package requires a first work fee of $119.95, charged five days after enrollment.
CreditRepair.com also offers some additional features for its customers and the general public.
CreditRepair.com’s credit education page provides useful articles to help you understand how credit and credit repair works.
If you’re unsure what’s currently on your credit history, you can get a free overview of your credit report.
CreditRepair.com serves 38 of the 50 states and offers longer service hours than many competitors.
CreditRepair.com currently serves 38 states and Washington, D.C.
The states not serviced are Colorado, Georgia, Kansas, Maine, Maryland, Michigan, Minnesota, Mississippi, Ohio, Oregon, South Carolina and Wisconsin.
Customer support is available by phone (once you are enrolled as a member) and online chat. Service hours are Monday through Friday from 7 a.m. to 7 p.m. MST.
Its social media handles are:
While the CreditRepair.com website is simple to navigate, there is some ambiguity about what customers can expect from the service.
For example, the Advanced package offers “more” bureau challenges and creditor interventions than the Value package, but the limits on the number of challenges and interventions are not disclosed.
As with most credit repair services, customers typically consider the experience to be good if their credit score improves and bad if their credit score does not improve.
You can subscribe to CreditRepair.com on a month-to-month basis. This means you can cancel the service at any time, which would prevent you from getting charged for future months.
Online customer ratings can give you an idea of what people think of CreditRepair.com:
*Review information accurate as of January 7, 2025.
Many credit repair services have low satisfaction ratings because customers are understandably disappointed if the service is unable to improve the customer’s credit score. However, it's important to understand the limitations of credit repair services. If the record is accurate, there is little they can do to help. Additionally, if you don’t continue to pay all your bills on time, your credit scores will accurately reflect the late payments. This will cause your credit scores to drop, despite the work of the credit repair service.
CreditRepair.com does have some reviews from satisfied customers who have seen their scores improve. However, it also has negative reviews relating to difficulty in reaching the team after enrolling, rude customer service, and challenges canceling the membership.
CreditRepair.com was one of the credit repair services recently accused of violations of the Telemarketing Sales Rule. According to this rule, businesses are required to delay any requests for, or receipt of, payments from customers until six months have elapsed. In August 2023, this accused group of credit repair companies settled with the Consumer Financial Protection Bureau (CFPB) for $2.7 billion.
Lexington Law offers many of the same pros and cons as CreditRepair.com. Both services offer ID theft insurance and have the same recent legal issues. Neither service offers a money-back guarantee. Lexington Law offers a more comprehensive library of free credit help resources, but CreditRepair.com offers a lower price with the Value Package option. For comparison, Lexington Law offers a single suite of services for $139.95 per month.
Credit Saint offers three service packages, which range in price from $79.99 to $139.99 per month. The $79.99 Credit Polish plan is most similar to CreditRepair.com’s Value plan. CreditRepair.com’s first payment fees are also lower than Credit Saint’s, as Credit Saint's range between $99 and $195, depending on your chosen package.
However, Credit Saint offers a 90-day money-back guarantee. Credit Saint is also BBB accredited, while CreditRepair.com is not, and Credit Saint’s customers tend to be more satisfied with their service, based on online reviews.
The Credit Pros offers a wider range of services than CreditRepair.com. The Build Credit plan provides helpful features, including a bill reminder system, a debt-payoff plan and TransUnion fraud alerts to help you naturally improve your credit over time. However, this package does not include any credit challenges or interventions, making the $69 monthly rate feel exceptionally high.
For a plan comparable to CreditRepair.com’s Value Package, you would need The Credit Pros’ Repair Credit plan for $129 per month. CreditRepair.com has a competitive advantage with a lower price point, but it’s worth noting that The Credit Pros offers a 90-day money-back guarantee.
Credit repair is the process of improving your credit score. Correcting inaccurate negative marks on your credit report is one of the most common methods of repairing credit.
It is possible to repair your credit without using a credit repair service. Consumers can contact the credit bureaus directly to repair your credit gradually by paying bills on time and keeping credit lines open, even when they're fully paid, to show that you have a longer history of responsible usage.
There are credit repair scams.
best credit repair companies and then compare the factors that matter most to you. Pay attention to services, rates, contract terms, guarantees and customer reviews.
Improving your credit score can take a few months or a few years, depending on the reasons for your low score. If your score is due to a major event, such as a foreclosure or bankruptcy, it can take several years to repair your credit. However, if your score is low due to mistakes in your report, the issue can usually be resolved in months, leading to a quick improvement in your credit score.
To evaluate the best credit repair companies, the Bankrate team evaluated