February 2, 2024

CreditRepair.com Review

Read more about CreditRepair.com
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CreditRepair.com is one of the biggest companies in the credit repair industry. But it has its downsides. Read on to see if it's worth trying out.

5-point scale (the higher, the better)

Pros and Cons

  • Disputes the 3 credit bureaus
  • Cancel anytime
  • First payment discounts
  • Can be costly
  • No mobile apps
  • No money-back guarantee

Bottom Line

Credit repair company with a strong track record but has no guarantee

CreditRepair.com is committed to helping you build a stronger and healthier relationship with your credit. The company's discounts can even help you with your budget.

That said, CreditRepair.com has significant downsides, like the unspecified number of disputes offered, no BBB accreditation, and limited service hours.

How do you know if the benefits outweigh the drawbacks? Here's the full review.

What Is Creditrepair.Com?

CreditRepair.com is a credit repair company that disputes any inaccurate, unfair, or questionable negative items on your credit report. It's been in business since 2012, with its headquarters located in West Valley City, Utah.

In 2022, CreditRepair.com members saw an average of six items removed from their credit reports.

Who is CreditRepair.com Best For?

CreditRepair.com is ideal for anyone looking to improve their credit. You'll get to work with a team of advocates who are knowledgeable in credit laws in the U.S.

The company does not have strict qualifications. You don't need to worry about eligibility requirements that may stop you from signing up.

Before signing up, however, take note of the upsides and downsides of working with this credit repair company.

What is your primary goal for considering a credit repair service?

Pros and Cons


  • Has been in the industry for more than a decade
  • 50% off first payment discount for veterans, active military, and family members[1]
  • iOS and Android apps available
  • Online client account
  • Extensive credit education blog
  • Free tools like Score Estimator
  • Includes Identity Theft Insurance
  • Free online credit assessment

It's best to maximize the free consultation to discuss your credit standing. That way, you set expectations on how long your credit repair service may take.


  • More expensive compared to other companies
  • The number of creditor interventions and credit bureau disputes are not specified
  • No accreditation from Better Business Bureau (BBB)
  • No money-back guarantee
  • Not available in all states
  • Limited service hours

To further understand if the company's a good choice, here's how CreditRepair.com works.

How Does Creditrepair.Com Work?

CreditRepair.com disputes with Experian, Equifax, and TransUnion using the three-step process:

  1. Check: The company checks and analyzes your credit reports.
  2. Challenge: It challenges and disputes inaccurate negative items that impact your credit.
  3. Change: CreditRepair.com monitors changes in your credit report from all disputes.

CreditRepair.com can dispute the negative items listed below:

  • Collections
  • Charge-offs
  • Repossessions
  • Hard inquiries
  • Late payments
  • Bankruptcies
  • Foreclosures

The "intensity" of these services depend on the package you choose.

Pricing and Fees

CreditRepair.com will charge you every month for the service until you decide that your credit is in good shape. To get started, you will pay a monthly fee of $99.95. You will also need to pay a first payment that costs the same as the monthly fee.

How to cancel a CreditRepair.com package?
You can call CreditRepair.com's team using the contact information on their website to cancel the service.

Credit Repair Features

You can figure out which package is best suited for you through the features offered:

  • Bureau challenges
    CreditRepair.com will send dispute letters to the credit bureaus. A team of advocates who are knowledgeable in credit laws in the U.S. analyzes your report, challenges negative items, and monitors your credit.

  • Inquiry assist
    Only authorized companies should inquire about your credit. So, CreditRepair.com will help monitor which banks, lenders, and companies are looking into it.

  • Goodwill intervention
    Credit repair companies may include creditor interventions to help you deal with collection agencies, lenders, and banks. CreditRepair.com will send letters to help appeal for removals on your behalf.

  • Credit score update
    You can get credit score updates regularly. That way, you don't need to pay for another credit monitoring service to track changes in your credit score.

  • FICO Score Inquiry Assist service
    Your FICO score is the most-used credit score among lenders and companies. You can dispute unfair inquiries to your FICO score directly with CreditRepair.com.

  • Cease and desist intervention
    Cease and desist intervention is helpful if you have creditors who are constantly contacting you. CreditRepair.com can help you send formal requests to stop this.

    This can help eliminate harassing practices such as threats, violence, and repetitious messages.

Do you have to pay for CreditRepair.com?
Yes, you need to pay CreditRepair.com if you sign up for their credit repair service. The monthly fee is $99.95. You also need to pay a first payment that costs the same as the monthly fee.

CreditRepair.com Limitations

CreditRepair.com can only help you understand your credit report and challenge inaccurate items that impact your credit.

The company cannot perform the following:

  • Erase all negative items in your credit report
    CreditRepair.com cannot promise to delete all items (especially ones that are valid and true) that cause your score to drop.

  • Promise to increase your credit score by x points
    No reputable company can claim to increase your credit score. If they do, they may be operating a scam. Remember: "If it's too good to be true, then it probably is."

  • Give you a new credit identity
    Your credit is your personal measure of reliability and trustworthiness. A company promising or suggesting you get a new identity is a red flag. Credit repair companies that engage in these practices put you at risk of fraud.

  • Provide money-back guarantee
    Unlike other companies, CreditRepair.com does not offer a money-back guarantee. You don't get a refund if you're not satisfied with the service.

Does credit repair raise your credit score?
Credit repair companies dispute negative items that may damage your credit. However, there is no guarantee that this can raise your credit score. Bear in mind that your credit score depends on a lot of things. The negative items only play a part in its overall.

Is CreditRepair.com Worth It?

CreditRepair.com is worth it if you have the extra budget and time to spare. Paying a monthly fee for credit repair is no joke, especially if your budget is already tight. Not to mention, it may take months before you see significant improvements.

However, if your goal is to slowly improve your credit, CreditRepair.com may be worth it. In 2022, CreditRepair.com members saw over 400,000 items removed from their credit reports.

How To Open A CreditRepair.com Account

CreditRepair.com has a sign-up page if you want to open an account and select a package.

  1. Go to the sign-up page and fill out your personal information.
  2. Select your service after submitting your form.
  3. Comply with legal agreements.
  4. Wait for your account to get set up.

CreditRepair.com offers a discount if you sign up with a family member. Check the box if you're signing up with your spouse or relative, and you'll receive 50% off your first payment.

Is CreditRepair.com Legit?

CreditRepair.com is a legitimate credit repair company. CreditRepair.com members saw over 400,000 items removed from their credit reports in 2022.

Customer Service and Reviews

Since 2012, CreditRepair.com has worked with over 850,000 members on their credit. And the company has gained a great deal of feedback from many of them.

Apple App Store4.70 out of 5 ★ from over 10,900 reviews
Google Play Store4.20 out of 5 ★ from over 1,770 reviews
Trustpilot1.90 out of 5 ★ from over 600 reviews
Better Business Bureau1.17 out of 5 ★ from 19 reviews

Many people have seen improvements in their credit. And there are plenty of good reviews similar to Kendra's experience.

"Credit Repair is wonderful! They work fast and I'm able to see my credit score jump up in real time."
—Kendra D. (from Google Play Store)

However, CreditRepair.com does not always get 5-star ratings. Victor experienced no removals from his reports for months.

"Totally agree with the one star below. This company is horrible. I have been with them for 7 years! They are truly a rip-off. I have had supervisors and customer service reps both blatantly lie to me to keep me on the hook so they can keep receiving their monthly payment. I just got off the phone with them and the customer service rep refused to get me to a team lead/supervisor/manger and insisted that they were not able to give me a refund. They have not removed nor contested ANYTHING in a year! I have wanted to cancel about 2 years ago - but they kept insisting that it will get removed/fixed, but to no avail."
— Victor B (from BBB)

CreditRepair.com members saw over 8.6 million removals on their credit reports since 2012.

However, the company received an F rating from the BBB due to various complaints. So take note that individual results vary.

How to Contact CreditRepair.com
You can connect with CreditRepair.com through customer support, available from Monday to Friday, 07:00 AM to 04:00 PM, MST.
  • Address: 257 E 200 S STE 1200 Salt Lake City, Utah 84111

How important to you are customer service and support when choosing a credit repair company?

How CreditRepair.com Compares

If you are still on the fence about CreditRepair.com, here are some alternatives.

CreditRepair.com vs. Lexington Law
Lexington Law is the better option if you want a more aggressive approach to credit repair. The company has a team of advocates who are knowledgeable in credit laws in the U.S.

It also offers Focus Tracks, where professionals create a custom solution based on your specific life events. The only downside is that it offers more expensive packages, which cost $119.95/month.

CreditRepair.com vs. Credit Saint
Credit Saint is another top alternative for CreditRepair.com. Credit Saint packages range from $79.99–$129.99, with an initial working fee of $99.00–$195.00.[2]

Although Credit Saint is more expensive than CreditRepair.com, you do get a 90-day money-back guarantee. This may help you gain confidence that Credit Saint can remove negative items from your credit report.

CreditRepair.com vs. Credit Builder Apps
Credit builders like Kovo work differently. Instead of disputing and removing negative items from your credit report, you build credit by adding more positive transactions to your report.

It's a less aggressive approach. But credit-building options like credit builder apps are affordable alternatives.

Bottom Line

CreditRepair.com is worth trying if you have the budget for credit repair. Their extensive experience and established reputation in the field make them a reliable choice for those looking to improve their credit.

CreditRepair.com's dedicated team helps you remove inaccurate or unfair items from your credit report, which can lead to better financial opportunities in the long run.


  1. ^ CreditRepair.com. Is there a veteran discount?, Retrieved 12/08/2023
  2. ^ Credit Saint. Packages, Retrieved 12/08/2023
Lexington Law

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