CreditRepair.com Credit Repair Services Review [2025]

Published April 28, 2025

According to a Federal Trade Commission study, 26% of people may have errors on their credit reports. And those errors can lead to a lower credit score. While there are no guarantees, getting inaccurate negative items removed from your credit reports and ensuring your credit profile is accurate is always worth the effort. 

You can technically do credit repair on your own, but it can be time-consuming and frustrating.

Professional credit repair agencies such as CreditRepair.com inaccurate and unsubstantiated information by working directly with the credit reporting bureaus and agencies on your behalf.

What Does CreditRepair.com Do?

CreditRepair.com helps ensure that information on your credit report is accurate, fair, and verified. If any information isn’t accurate, CreditRepair.com works on your behalf to challenge it.

Here’s what their process looks like:

Step 1: What Needs to Be Fixed?

The first step is to tell CreditRepair.com what items on your credit reports aren’t correct. If you’ve never seen a copy of your credit report before, don’t worry – CreditRepair.com pulls this for you, and in a way that won’t hurt your credit score.

Note: CreditRepair.com only pulls reports from Experian and TransUnion, not Equifax. You will need to pull a copy of your Equifax report separately.

You’ll review the listed items in your reports. This can include things like currently open or closed accounts, collections, charge-offs, missed or late payments, foreclosures and other records. You select anything that looks incorrect.

Note: CreditRepair.com can’t “find” inaccuracies on your credit reports for you – only you know your credit history and what should or shouldn’t be in your credit profile.

Step 2: Challenge Errors

Once you’ve selected what items need to be corrected, CreditRepair.com will then contact any data furnishers (lenders, collections agencies, credit card issuers, etc.) and the credit bureaus on your behalf, requesting that all items be reviewed and verified. This can be the most frustrating part of doing credit repair on your own, as communicating with the bureaus and other agencies can be time-consuming and may require consistent follow-up. CreditRepair.com continues correspondence and escalates challenges as necessary.

Step 3: Build Good Credit

As CreditRepair.com’s agents work with the credit bureaus and creditors on your behalf, you’re kept updated via email. Your personal online dashboard also gives you a breakdown of where you stand.

From there, you can get information on steps to help you improve your credit profile beyond credit repair, and you’ll be able to monitor your progress as well. Additional articles and resources keep you updated on your consumer rights and further actions to take to build your credit, protect yourself from identity theft, and more.

Pros and Cons of Working with CreditRepair.com

Pros

The main advantage of working with a credit repair agency like CreditRepair.com is the time you’ll save and the experience you can lean on.

  • Peace of mind knowing competent agents are taking care of all the details
  • Skilled guidance and support through a difficult process
  • Updates on credit reports and credit scores
  • Regular communication via the mobile app, online dashboard and text/email alerts
  • Lower cost (Starts at $49.95 per month)

Cons

The primary disadvantage of any credit repair service is the lack of guarantees. No legitimate credit repair agency can make any guarantees about removing items from your credit or even promise to fix your credit.

Is CreditRepair.com Right for You?

If you want help improving your credit and removing inaccuracies from your credit report, you’ll want to research your credit repair options beyond disputing errors yourself.

Keep in mind what’s most important to you as you’re researching your options. CreditRepair.com has a solid reputation and a history of solutions with a personalized touch. And with more than a decade of industry experience, CreditRepair.com can help with even the most complicated issues on your credit report.

FAQs About Credit Repair with CreditRepair.com

How Much Does CreditRepair.com Cost?

CreditRepair.com starts at  $49.95 per month.

Is CreditRepair.com the Only Option?

Absolutely not, there are many other credit repair agencies out there that you might consider. Another reputable organization that offers credit repair services is Lexington Law Firm, for example. As you’re searching, look out for credit repair scams. Some common red flags for scams are that they promise to “wipe clean” your credit history or make any unreal guarantees about their service.

Is There a Guarantee When You Work With CreditRepair.com?

Although CreditRepair.com strives to provide excellent service and credit repair education, it can’t guarantee that your credit score will be improved. No lawful credit repair service can.

Disclosure: Credit.com and CreditRepair.com are both owned by Credit.com Holdings, LLC.

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