My Credit Repair Review – Can It Still Work?

In this credit repair review, I would like to give you some points to benefit you and show what alternative program you should consider.

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 Review, we will look at the problems people face with bad credit and whether is the way for you to go about repairing yours.

  • Name: Credit Repair
  • Website:
  • 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: came in 4th out of the top 6 credit repair services on search engines

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Credit Repair

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. 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 to help them change their credit outlook.

Whether you’ve had a run of bad luck, bankruptcy, a death in the family, loss of a job, or some other personal circumstance, works closely with you to help you improve your lifestyle and reach your financial goals and dreams.

At, 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 devise a repayment plan and make the required changes so that you don’t have to live in debt forever. Their goal is to empower clients to make lifelong 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.

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The Pros And Cons of Credit Repair

The Pros:

  • 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 – works closely with clients and their creditors to help raise their credit scores.

The Cons:

  • 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 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.
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More On

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. A credit will be monitored for a monthly fee of $99.95, and reports will be made to the client.

Credit Repair Review - can I solve my problems with credit repair?

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.

Credit Reports

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, a score tracker and analysis, mobile apps for all mobile units, email and text alert when anything changes, and their TransUnion credit report.

Clients can talk to a Credit Repair Dot Com representative 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

The Better Business Bureau doesn’t endorse credit Repair Dot Com. If you’re seeking a company that the Better Business Bureau endorses, 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 deciding 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 you can probably do anything that a credit repair service does for yourself if you are willing to invest the time to save money.

Is Credit Repair a Scam?

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 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, or join a credit repair affiliate program to provide income for yourself on the side

Final thoughts

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 is better than leaving your bad credit unattended.

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12 thoughts on “My Credit Repair Review – Can It Still Work?”

  1. Thanks for your tips here!

    My credit score is in pretty good shape, I’ve never been late or paid less than the full balance on a credit card payment. BUT my student loan debt has still taken it’s toll, and I want to improve my score more than it’s current status. 

    Credit Repair seems like it may be a little too expensive to be worth it, but I LOVE your advice about using affiliate marketing and other online methods to increase your income. It takes a lot of work, but it’s a brilliant solution that so many people aren’t even aware of. Thanks again! 

    • Glad that you are on top of paying your bills are in control. You are one of the few, and if you can do it for yourself, then that is great.

      I have introduced affiliate to one of my friends 4 years ago, and he used that business to pay off his debt, and now earning a full-time income from home with a couple of online business. yes, Affiliate is one of the greatest for paying off your debts. Great choice.

  2. Hi David, Great tips I know that so many people are so desperate to get their credit fix and they do not take the time to do some research on the problem and what they can do to fix it. That is why companies like this exist because they known they can take the money from this people very easy. You have layout some great tips on how you can repair your credit by your self or even if your still have credit issue at the very least you save your money by dealing with the creditor your self. I don’t think creditreport it a scam But I think they are opportunist.

    Great tips thank you for sharing this great article. 

    • Hey Urbano, glad that you take the time to give some insight on this post. The reason I believe that people run into bad credit is that they do not know how to handle money,  and do not have the discipline to even try. Credit repair companies know this, that is why it is a big business for them. is definitely not a scam because they have helped many people fix their credit an even go on to show them simple ways on how to handle their debts. Thank you for the comment.

  3. Thanks for your review of credit repair. It’s my first time of hearing or getting to read about repairing credit. Having gone through the review, I think what credit repair can do for me, I myself can do and even at lesser charges. Credit card info should remain with the card older cause much vital information about credit card should not be disclosed anyhow. Thanks a lot though.

    Glad that you mention a way of fixing your credit by earning more money. I agree that affiliate marketing is a good way to go, cause if done right, one can even have the opportunity to pay off all their debts and be able to save some money continuously.

    • Not being discipline is the reason people fall into huge credit problems. And if that is the reason that they have gotten there, it would be difficult to get out. This is the reason develop their service and are growing exponentially.

      Good to see that you agree that affiliate marketing is the best way to go. It has happened to me and a few of my friends and will happen to others if they decide that is the way they would like to go. my recommendation would help me to work with them, plus an entire community at their service as well. Take care.

  4. This was such a detailed and well written review on cash repair website that I actually read it twice to be sure that I completely understood all of the reasons why you decided to write such a scathing review.  I have tried them severally and I can confirm so well that the service is not a scam.

    Well, that review of yours was 100% justified.

    • Thank you for justifying the service of and how it can help many people solve their credit issues and move on to a healthy credit lifestyle.

      Good to know that you have used their service several times and gotten great results. Few of my families and friends had used their service as well and had good things to say. Thank you for your contribution.

  5. Awesome Information. What an incredible blog post!I really love the way you outlined the reviews on credit repair. The points you expatiated on are lovely. Even though i am just hearing about it for the first time and I never knew there are credit repair companies. This is the most extensive article i have ever read. Thanks for your indepth analysis.

    • Thank you, Michael, for your comment and kind words. Glad that I was able to shed some light on restoring ones credit, and laying it out that my readers would understand. This service you can recommend to anyone with the certainty that they would thank you for it. Take care.

  6. Good Morning BishopI salute your twelve year’s full experience in online business. Your valuable experience will surely be a blessing to the Beginner affiliate marketers like me. I am inspired to read your valuable reviews on Credit Repair Dot Com. Transaction by credit card online business or marketing is now a matter of routine. 

    And in simple terms, there will be many miscalculation or error. Credit Repair Dot Com will help correct the mistakes that will open a horizon of incoming sources. The advantages and disadvantages of the product have been clarified in your fantastic review. I do believe that the $99.95 worth of product will not usually be a scam. Thank you from the core of my heart for writing such a resourceful review.Regards, Ranao.

    • Renao, thank you for your comment on this article. Glad that you see the importance of Credit Repair dot com and how this company his helping lots of people retore their credit while paying off all their debts.

      A few of my friends and family have used their service and were very happy with it. the monthly charge is just a drop in the bucket when you see the value in their service. This is legit and I will recommend it to all. Thank you for your support.


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