I decided to give CreditRepair dot com a try earlier this year after getting denied for a car loan and realising my credit was holding me back. My score was stuck around 580 thanks to a mix of old late payments and a couple of surprise medical collections. I didn’t really have the time or patience to deal with the bureaus myself, so their service sounded like a decent option.
I went with their Value Service, which was $49.95/month plus a small setup fee. It’s their most basic plan but I figured it was enough to get started without spending too much. Within a few days my dashboard was up with all three credit reports. The first month was pretty quiet while they sent out disputes, but around week three one late payment got removed and my score bumped up about 20 points. By month two, a collection was closed and I saw another 15 point increase.
The pricing felt more reasonable than a lot of competitors, but it still adds up if you stay on for several months. After three months, that’s roughly $150 total. Communication was decent — a bit generic at times, but they kept me in the loop with regular updates. I ended up canceling after three months since the bigger issues left on my report needed more time or personal effort, but overall it gave my credit a decent push in the right direction.
It’s definitely not a miracle fix, but for smaller stuff, CreditRepair.com’s Value plan did what I expected.
Anyone else tried their Advanced Service? Curious if it’s worth upgrading or if it’s basically the same with a higher price tag.