• MONTHLY COST: $99.95
  • CREDIT REPORTS: $14.99

Honest CreditRepair.com Review 2022 [Services, Price, Pros, Cons]

  • MONTHLY COST: $99.95
  • CREDIT REPORTS: $14.99

Best For



  • Simplicity
  • Fast credit repair
  • Extensive online education center
  • Online tools to simplify the credit monitoring process
  • Great CreditRepair.com app for on-the-go credit monitoring


  • Not a lot of company information available
  • No money back guarantee or service guarantee

Since 1997, CreditRepair.com has been the light at the end of the tunnel for people suffering from bad credit scores. In this CreditRepair.com review, we’ll be covering what makes this company special and how it earnt itself a reputation for delivering fast credit repair results.

CreditRepair.com is one of the best credit repair companies 2022 is likely to offer and the reasons for its popularity are threefold: its attractive couples discount, easy-to-understand business model, and extensive online resource portal. But more on that later.

We’ll Be Covering:

  • Services and Pricing
  • Pros and Cons
  • Ideal Customer
  • Competitors
  • Answers to Frequently Asked Questions
  • And even more

CreditRepair.com Service Levels & Pricing

So, let’s start with the most important question: how much is CreditRepair.com? While the concept of spending money to repair the damage caused by spending money is a strange one, thankfully, you needn’t worry about that since CreditRepair.com’s pricing structure is as straightforward as they come.

The Creditrepair.com cost is a set fee of $99.95 per month and a once-off $14.99 fee to pull your credit reports. There are no hidden fees, so there will be no nasty surprises down the line.

Ease of Use

Reviews of this provider often mention how easy it is to take advantage of CreditRepair.com restoration services. The CreditRepair.com process review looks like this: check, challenge, change.

The first step is to reach out to the company. Within 48 hours, they will have contacted you back to arrange a suitable time to discuss your needs once they’ve pulled your credit reports from the relevant bureaus. They will inform you of their findings and discuss their Game Plan to rectify any issues.

From there, they set about identifying which items are invalid, inaccurate or unfair, and contact the relevant credit providers to challenge them.

Then they get to work on changing and improving your credit score. At any point during the simple three-step process, you can log into your personal dashboard on the CreditRepair.com app and track your score.


CreditRepair.com does everything it can to ensure your personal information is safeguarded at all times. Their security measures include SSL encryption and a range of technical, physical, and administrative security policies.

CreditRepair.com Services: What Can the Company Do For You?

There are many reasons why CreditRepair.com reviews can be found in every corner of the internet. We’ll be covering just five of them. Those are CreditRepair.com discounts, cancellation and refund policies, free consultation, CreditRepair.com education services, and CreditRepair.com customer service.

One of the reasons why people turn to CreditRepair.com is because they have an uncomplicated business model that everyone can understand. They’re transparent about what they do and how they do it.

  • Erroneous Data Challenging and Possible Removal

Credit Repair reviews prove that the company works as hard as possible to challenge and repair your credit score. The company offers users an opportunity to challenge and possibly remove late payments, instances of foreclosure, bankruptcies, debt collections, charge-offs, repossessions, and judgments.

  • Free Credit Consultation

CreditRepair.com doesn’t offer a free trial however they do offer a free 10-minute credit consultation after which you can sign up for their month-to-month payment plan without being tied into a contract.

  • Discounts

CreditRepair.com has a hugely appealing couples discount policy which policy isn’t limited to married couples or those in civil partnerships but to any two people who choose to sign up together. So, to save on 50% of your credit repair cost, sign up with a friend or family member — or even your neighbor!

  • Education Services

One of CreditRepair.com’s best features is its impressive online library. In the CreditRepair.com education services portal, you will find thousands of articles pertaining to identity theft, disputes, debt solutions, credit improvement as well as a blog, score estimator, savings center, bureaus and centers and a loan center with resources on everything from loan qualification to picking the right loan for your needs.

  • Customer Service

CreditRepair.com customer service is available via email and telephone from Monday to Friday, 6:00 am — 10:00 am (MST), and on Saturdays from 7:00 am — 09:00 pm (MST). They are not available on Sundays.

  • CreditRepair Cancellation & Refund Policies

If you’re wondering how to cancel your CreditRepair.com account, you’ll be pleased to note that you can do that via telephone or email at any point should you so wish. However, they do not offer a refund and you will be expected to pay the full amount until the end of the billing cycle.

  • What Results Can You Expect From CreditRepair.com?

If you choose to use its services, CreditRepair.com will do a thorough analysis of your credit report and try to find any inconsistencies and negative items. If (and the keyword is “if”) it finds any such instances, it will contact the major credit bureaus to fix them.

As a result, the toll these negative items were taking on your credit score will significantly lessen, causing your credit score to increase and your overall credit report to improve. CreditRepair.com promises to improve your score by 5-10% only in the first month of using its services, around 15% after two months, and 20% after three.

Pros Cons
Extensive online education center Not a lot of company information available
Great CreditRepair.com app for on-the-go credit monitoring No money-back guarantee or service guarantee
Online tools to simplify the credit monitoring process
Fast credit repair


We took a look at 39 CreditRepair.com reviews on BBB (Better Business Bureau) for the past three years. The company has a BBB rating of D and is not currently BBB accredited.

No company is perfect and so the fact that 19 of them are 1-star reviews is not surprising. 11 are 5-star and the rest of the reviews are made up of 2, 3, and 4-star reviews.

CreditRepair.com vs Competitors

What does CreditRepair.com offer that its competitors don’t? Are there any alternatives? How does it compare against the other best credit repair companies 2022 has to offer? Let’s find out.

CreditReapir.com vs Sky Blue Credit

CreditRepair.com is a more expensive option that comes with more benefits and features while Skye Blue Credit is inexpensive and takes a more “bare-bones” approach to credit repair. Sky Blue offers a full 90-day money-back guarantee whereas CreditRepair.com does not.

Read the full review of Sky Blue Credit here.

CreditRepair.com vs Credit Saint

Credit Saint charges an initial fee of $99 for their lower packages and a setup fee of $195 for their Clean Slate package but only charges a $79.99 monthly fee, making them a much cheaper option than CreditRepair.com in the long run. Credit Saint also offers customers a 90-day money-back guarantee while CreditRepair.com does not.

Read the full review of Credit Saint here.

CreditRepair.com vs Lexington Law

Lexington Law is CreditRepair.com’s sister company. Both companies are owned by Progrexion. Lexington Law offers more levels of service and their monthly fees are more affordable than those of CreditRepair.com.

Read the full review of Lexington Law here.

CreditRepair.com vs Ovation Credit Repair

Ovation Credit Repair and CreditRepair.com have a similar credit monitoring service. While CreditRepair.com has an extensive education center, Ovation’s is lacking. CreditRepair.com has an attractive couples discount while Ovation has discounts for couples, friends, military members, and senior citizens.

Read the full review of Ovation Credit Repair here.

Interested to learn more about where CreditRepair.com stands on the credit repair market? Check our compilation of 2022’s top-rated credit repair companies.

Is Credit Repair Worth It?

Things happen in life that leave us in financially choppy waters: divorce, job loss, medical emergencies, pandemics, and more. CreditRepair.com is here to help people who are learning how to swim in such waters. We hope that this CreditRepair.com review has helped you to get an idea of what this company is all about and how it can help you on your way to financial freedom.


Is CreditRepair.com legit?

Yes, this is a legitimate company with 34 years of experience and many satisfied customers. CreditRepair.com has a transparent business model and has garnered many positive reviews throughout the years.

Does Creditrepair.com work?

Yes, CreditRepair.com works, but the extent to which it can repair a credit score depends on each individual client. If it finds any errors, inconsistencies, or missing reports that can improve your credit score, CreditRepair.com can challenge them, but if there aren’t any, there is not much the company can do for you.

Does the company have any pending regulatory action?

Yes, there is a pending government action filed by the Consumer Financial Protection Bureau. The allegations include violation of sections 1031 and 1036 of the CFPA and act 15 of the Telemarketing and Consumer Fraud and Abuse Prevention Act. As of yet, the action is pending and the allegations have yet to be proven.

What is the average credit repair program duration?

Even for those who choose self credit repair, it’s difficult to state what the average credit repair program duration is. This is because everyone’s financial circumstances are different. However, the site does boast an average 40% increase within four months.

Does the company offer any discounts for family members, military, students?

Yes, CreditRepair.com offers a couples discount. This discount means that if you sign up with a friend or family member you’ll receive a 50% discount. There is no specific discount policy that applies to military members or students.

Does CreditRepair.com offer a money-back guarantee?

No, unfortunately not. Our CreditRepair.com review shows that this particular vendor does not have a money-back guarantee.


I am a curiosity-driven creature searching for answers — and questions — in the digital realm. From marketing through online business creation to software tools — I am fascinated by everything that can make life easier. When not looking for meaning, yoga and good food keep me grounded.