Do you need credit repair?
Many do and some will even go so far as to pay a company to do it for them.
Is that a smart thing to do?
In this CreditRepair.com Review, we will look at the problems people face with bad credit and whether CreditRepair.com is the way for you to go about repairing yours.
Name: Credit Repair
Price: $99.95 per month
Owners: According to the Better Business Bureau, the company is managed by:
Scott Smith is the Secretary/Director
Mark Shaffer is the Secretary/Director
Overall Rank: CreditRepair.com came in 4th out of the top 6 credit repair services on search engines
Everyone has challenges to face and for many, it’s their credit. At some point in time or another everyone can use a bit of help.
CreditRepair.com has a dedication to helping its customers develop a better and healthier relationship with their credit. Focusing on each personal customer’s unique story they work together with the customer to help them change their outlook on credit.
Whether you’ve had a run of bad luck, a bankruptcy, a death in the family, loss of a job or some other personal circumstance, CreditRepair.com works closely with you to help you improve your lifestyle and reach your financial goals and dreams.
At CreditRepair.com they go above and beyond the one-time credit repair that most people seek. With a dedication to helping people develop a healthier outlook with their credit, they focus on you and your personal situation.
They help you to devise a repayment plan and make the changes required so that you don’t have to live in debt forever. Their goal is to empower clients to make life long changes that will give them the life of their dreams.
Credit scores aren’t just a number they’re a lifestyle. They lead a customer to learn how to change the course of their credit score to reach the life of their dreams.
The Good And The Bad
PRO #1 – The client doesn’t have to do the work, the company does the work for them.
PRO #2 – The client can even enroll if they’re filing for bankruptcy.
PRO #3 – CreditRepair.com works closely with the client and their creditors to help raise their credit score.
CON #1 – The price is $99.95 per month which may be out of reach for many who are struggling to improve their credit scores.
CON #2 – A lot of what CreditRepair.com does can easily be done by the client themselves from mailing out letters to creditors to negotiating with creditors for a lower payment or reduced interest.
CON #3 – Even if the creditor is paid off, it may still have a negative impact on a credit score.
CON #4 – They charge a one time fee of $14.95 to pull your credit report. All 3 credit reporting bureaus offer you your credit report for free on an annual basis.
More On CreditRepair.com
Credit Repair is named for those who wish to repair their credit with the assistance of a credit repair company.
Anyone who has struggled with bad credit or is seeking to raise their credit score can benefit from this product. For a monthly fee of $99.95 credit will be monitored and reports will be made to the client.
The client can notify the company if there are any changes to their circumstances, if anything is inaccurate and how to proceed. Young and old alike can benefit from having their credit monitored and being notified if things change.
Clients of Credit Repair Dot Com will have access to their credit reports. A personalized online dashboard shows them where they are at any given time, score tracker and analysis, mobile apps for all of their mobile units, email and text alerts when anything changes, and their TransUnion credit report.
Clients can talk to a representative of Credit Repair Dot Com during normal business hours once they’re signed up for services. They can ask any questions and get the answers they need when they need them in this fashion.
Not Endorsed By The BBB
Credit Repair Dot Com isn’t endorsed by the Better Business Bureau. If you’re seeking a company that is endorsed by the Better Business Bureau, this isn’t the company for you. You’ll want to make sure that you read the reviews and consider all of your options before you decide to go with this company.
Credit Repair Dot Com has been in business for about 21 years. There are mixed reviews on their credit repair services. It’s important to note that anything that a credit repair service does you can probably do for yourself if you are willing to invest the time to save you money.
If you don’t have the time or the understanding of how to do these things then yes this is an excellent service to have at your fingertips. If however, you wish to save your hard earned $99.95 each month apply that to repaying your credit and do the leg work yourself, you’ll get the same results if you follow through and do it.
The service isn’t a scam. You can save the money and apply that to your bills and be ahead of the game. It can be done online or in person and you can raise your credit on your own.
Summary: Credit Repair Dot Com
Much of what is wrong with a person’s credit can be repaired by themselves. However, with most businesses, people would rather pay for convenience than do the work. With this in mind, using a company such as CreditRepair.com is better than leaving your bad credit unattended.
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