In-Depth Analysis Review 2024

Advertiser Disclosure
Written By
I. Mitic
June 29, 2023
Some or all of the products/services listed on this page are from our affiliate partners from which we receive commissions. This, however, does not influence the evaluations in our reviews. Learn more by reading our Advertiser Disclosure.

You finally find the perfect apartment. It has everything: a modern kitchen, a sunny living room, a bedroom window facing the park. You fill out the application and begin packing, only to get a call from the listing agent. Unpack those boxes. You failed the credit check.

Preventing disappointments like these is what is all about. The agency provides personalized credit-fixing plans, constant monitoring of your credit score, and interesting tools that can help you remedy credit defects as quickly as possible.

To learn more, read our review.

$69.95 per month

Regular updates on your credit score

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Fortunly Rating

Fortunly's Rating: Our editorial team determines the rating based on a set of evaluation criteria developed for each product and service category.

$69.95 per month
Varies by consumer
pros thumb up Strengths
  • Customized plans
  • Regular updates on your credit score
  • Personal online dashboard
  • Mobile app for iOS and Android
  • Free consultations
  • Discount for veterans
  • Free score tracker
pros thumb up Weaknesses
  • Lack of pricing transparency
  • No guarantee for removing negative items Overview is a Phoenix-based company with years of experience providing legitimate credit repair services for clients across the country. The agency says it has removed more than eight million erroneous statements from customers’ credit reports since the service launched. So far, over 850,000 customers have relied on to fix their bad credit.

The company specializes in detecting and challenging all types of negative items and inconsistencies in credit reports, from simple errors and outdated information to identity theft and wrongful collection reports. The company verifies errors and then disputes inaccuracies at all three major credit bureaus: Experian, TransUnion, and Equifax. 

Visiting the website, you’ll notice many positive reviews and people generally praising the company for providing such a great service. Not only does the company help you build a customized plan for removing derogatory items from your report, but it also empowers you to monitor your credit score so you can qualify for financial products and loans. doesn’t guarantee the removal of negative items from your files, but it will do everything it can to remove mistakes from your credit profile. 

If the negative items on your credit report are accurate, can’t help you. Those items will stay there for seven years. Any credit repair company that promises to remove those items is running a scam.’s BBB rating is a low D, and the company is not accredited by the bureau. On TrustPilot, the credit repair service scores better, with a score of 3.9 based on 600 reviews, and ConsumerAffairs rates it at 3.7 according to 130 customer reviews.

How Does Compare To Other Credit Rehabilitation Agencies? Logo




Sky Blue Credit Logo
Sky Blue Credit




Credit Saint Logo
Credit Saint




What You Can Expect From

CreditRepair provides consumer credit repair services to people who want to remove inaccurate or inconsistent information from their credit reports. Unlike other agencies, helps you come up with a personalized plan for restoring your credit score so you can qualify for better loan terms, buy vehicles, or get approved for a mortgage.

The company has defined a three-step process for finding, correcting, and removing errors from your credit files. Here is what you can expect from your credit repair journey: 

Credit Check

When you create an account at the website, you’ll be assigned a personal financial manager. The company will then request copies of your credit report from the industry’s three major credit bureaus.

This is important because each bureau works with different agencies and sources, meaning that your credit reports likely list different information, are subject to different errors, and quite possibly award you different credit scores.

It’s also important to note that this is a free credit repair check, and you won’t be charged a dime at this point, which gives an upper hand over other credit repair companies. After the company gets the three credit reports, it looks for errors like late payments, open bankruptcies, misspelled addresses, and duplicate accounts. 

The agency can’t entirely remove inaccurate information from your files but if you have a bad credit score due to late payments and you have paid your bills regularly in the past six months, will review the errors and notify the bureau, a process that typically leads to a credit score increase of several points.

After identifying errors in your credit reports, the company’s representatives work with you closely to prepare challenges. As part of the credit repair process, the agency will build a game plan that fits your personal goals and needs.


Your financial manager’s next step is to send dispute letters to creditors who are reporting inaccurate information.’s financial managers do everything they need to make sure creditors and credit reporting agencies meet their legal obligations. 

Upon receiving a challenge letter, each creditor contacted by reviews your file to verify it has sent inaccurate or mistaken information to credit reporting agencies.

After creditors remove the negative items from your files, the financial manager will contact all three credit bureaus to ensure that the changes have been made. This is the most important phase in your credit-fixing process, and it takes a devoted agent who will be persistent in challenging negative items. 

During this process, you’ll be able to monitor the credit repair progress via a credit score tracker on your dashboard, which is available on both the website and the apps.


Once the paperwork with creditors and bureaus is complete, you will receive a new credit report with the corrections made by the credit bureaus. If creditors made small errors, probably succeeded in removing them from your files, and you’ll see your previously low credit score much higher now. customer reviews confirm that the company can correct mistakes caused by identity theft or duplicate accounts. You didn’t make those errors, and the law requires that they be corrected.

Credit bureaus are not obliged to correct errors that are caused by consumers, however, and your financial manager will have a hard time getting those right. But if you are not satisfied with the initial results of’s work, the company will challenge creditors again and work directly with the credit bureaus. 

If you fell behind in paying bills because a job accident left you temporarily unable to work, for example, the credit bureau might boost your score by a few points after hearing the explanation.

The top credit repair companies support clients during all phases of the process. It takes only three months for to rebuild your credit score, but the average customer sticks with the company for six months, to ensure that their credit remains good.

Additional Services is known for maintaining long relationships with clients. Even when its work is done, the company keeps monitoring your credit score, informing you of changes, and helping you achieve your financial goals. 

Here are some of the company’s additional products and services:

Personal Online Dashboard

CreditRepair agents will do monthly reviews on the credit repair process and send you emails or messages about the progress that they made. For constant monitoring of your credit score, the company offers a personal online dashboard. The dashboard allows you to monitor your credit day and night.

Moreover, this personalized tool allows you to find out more about additional steps you can take to boost your credit score.

Mobile Apps for Credit Score Monitoring has developed free apps for mobile devices that run iOS and Android. By visiting the website, or by logging into your dashboard, you’ll find the Mobile Apps page. By clicking on the download link, you’ll be redirected to the App Store or Google Play, depending on what’s your store of choice.

With the credit repair app, you can contact customer service and monitor your credit health. You can access your credit report summary on your phone or tablet any time you want. The app shows you all the corrections, current challenges, and creditor interventions.

For example, when an error in your credit report has been resolved, the app shows the type of account that had the error, the date when the error was removed, and the bureau that made the removal. 

Score Tracker and Analysis

According to reviews on Reddit, consumers like to use the company’s tool for calculating their FICO score. The tool prompts you to answer questions about your finances. You can find it on the website.

TransUnion Credit Monitoring Services 

The company uses TransUnion sources to get your credit report and continues to monitor your credit rating on TransUnion for any credit issues that may arise. Price and Guarantees

At the moment, there are three plans on offer: Direct, Standard, and Advanced packages. Each is designed to address different credit-fixing needs. For example, the Direct package is for consumers with a few negative items that they want to remove. The higher-priced plans are for those with more negative items and serious credit problems.’s cost can be hard to find because it isn’t always clear what services are available at each service level, and the prices aren’t clearly displayed on the homepage. Although the company offers three tiers of service, the prices are hidden inside the company’s blog. 

The pricing starts at $69.95 per month for the Direct plan, then $99.95 for the Standard plan, which is also the most popular option. The Advanced plan, which costs $119.95 per month, gives you a lot more control over credit interventions. The pricing is on par with the rest of the credit repair industry, and there are no hidden fees.

If you are not sure which plan to subscribe to or whether this service is right for you, you can request a free credit consultation. One of the dedicated credit repair agents will guide you through the whole signup process, too.

They will also create a personal plan with the steps you need to take to remove negative items and boost your credit score. Contact’s customer service by phone or sign up online to receive free consultations. does not guarantee that incorrect items will be removed from your credit report or that your score will rise. 

To cancel the company’s services at any time, simply make a call to’s phone number, at 1-800-232-6499​​. Speed of Service 

Remember that it takes time to remove negative items from your credit report and boost your credit score. It is likely that you will have to wait some time before you see results. The company says its work is usually completed within six months. 

The Bottom Line

We thoroughly evaluated to see if the agency’s services are worth your money. Seeing the high percentage of client satisfaction and the whole process firsthand, it’s easy to recommend this service for fixing your credit issues. The company uses provisions of the Fair Credit Reporting Act to protect the accuracy of your credit report and your rights under the law.

If you’re looking to get help improving your credit score, this credit repair company might be the perfect choice for you.


Is legit?


Yes, should be on your list of legitimate companies that provide credit repair services. This company has removed more than eight million incorrect items from its customers’ reports.

Which company is the best for repairing your credit?


There are many great services that will get your credit repaired at an affordable price. While we can’t put just one company on a pedestal,’s price and comprehensive restoration service do make it one of the best candidates. Not only does it offer a free credit evaluation and several debt solutions, but it also comes with many credit education resources and an incredibly handy app.

Is any good?


Yes. As reviews show, the service can fix your credit score, but it comes at the cost of a monthly subscription. Luckily, you get a free credit score evaluation when you sign up, so you can estimate whether the service is worth paying for or whether you can fix your credit situation by yourself.