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Before changing your financial habits and working on rebuilding your credit, you may want to have a look at your credit report and see if there is a way to fix it.

If you are not sure how to repair credit, then you can look into a specialized service

Our review will provide you with all the necessary information about the company and this type of service. Logo

Editorial Rating


  • Free consultation
  • Online finance tools
  • Credit alerts
  • Credit score tracking
  • Simple process


  • High monthly cost
  • No guarantees


Monthly Fee


One-Time Setup Fee




Service Speed

Average 40-point credit score increase during first 4 months

In Business Since


BBB Rating

D (Not Accredited)



What Is Best For?

CreditRepair caters to people that have inaccurate, unfair, and unverified items on their credit report that are negatively affecting their credit score

Negative items may be removed from your report if they are the result of identity theft, divorce, medical debt, student debt, etc.

To remove a negative item from your report, you would need to submit a dispute with the creditor and the credit reporting agencies.

Credit repair companies such as will help you address these items and submit disputes on your behalf.

What It Takes to Get Going with

To start repairing your credit, visit

First, you need to provide some basic personal information. Then, you will need to choose your plan.


These are the most important Credit Repair services offered in their Direct, Standard, and Advanced plans.

Challenging Negative Items

CreditRepair will ensure that the negative items on your report are accurate.

Disputes with Creditors 

Depending on your service plan, CreditRepair will submit 3 or 6 disputes per month to your creditors.

Credit Report Change Alerts

You will receive alerts regarding any changes to your credit report.

FICO® Credit Score

CreditRepair will track your FICO score monthly or quarterly, depending on your service plan.

Challenging Hard Inquiries

CreditRepair will dispute a hard inquiry if it is documented with errors. 

Identity Theft Protection

This is one of the CreditRepair services available in the Advanced plan only. You will be receiving financial fraud alerts 24/7.

Personal Finance Tools

CreditRepair gives you the option to track your credit accounts with their personal finance manager. cost charges $99.95 per month for their services, plus a one time fee of $14.99 in order to obtain your credit report.

Customer Support 

The Credit Repair customer service team can be reached by phone, email, or chat

Or, you can check out the FAQ section on the Credit Repair website.

Overall, people are happy with the support offered by the firm. The main complained-about issue is the service cancellation. In one review, a customer mentioned they had been charged even after they canceled. Reviews

What does the typical review from 2020 say about their service?

The company has included customer reviews and testimonials on their website, though naturally, they will include only positive testimonials. So, we looked into Credit Repair reviews on third-party review sites. 

There are more than 500 reviews on Trustpilot, giving the company an average rating of 4.4 stars

Consumer Affairs is among the most popular review websites, though currently there are only 33 reviews on that site. Users have given the service an average rating of 3 stars.

The BBB rating is a disappointing D. The company has a 3-star rating, based on 66 customer reviews. customer reviews (excluding the testimonials on their website) are a mix of both positive and negative experiences

According to one review, a customer’s score increased by 100 points within the span of 4 months. On the flip side, some customers have been using their services for months, without seeing any results. 

Having no improvement is one of the main complaints in the negative reviews

However, CreditRepair has stated in the FAQ on their website that they cannot guarantee results. In fact, no credit repair company can do that. It is illegal for credit companies to promise something they won’t be able to achieve. If the negative information on your report is accurate, then there is no point in disputing it.

Another common complaint by users was about how difficult it was to cancel Credit Repair. The only way to do that is by phone.

Lastly, we looked up reviews on Reddit. Most users are wary about using this type of service, believing it is a scam or not worth it. 

Our Verdict

In our review, we have covered both the advantages and disadvantages of using their services.

What we liked most is that they offer a good way for people with bad credit to get rid of inaccurate negative items that are lowering their score. Besides this, this company offers other beneficial services, such as credit alerts and score tracking, which are not available at all credit cleaners. Then, some customers saw a substantial improvement in their score in just a few months.

On the flip side, repairing your credit is a long process and the monthly fees can add up fast. Add to that the fact that positive results are not guaranteed, this service may not be worth it for you.

Alternatives of

How does the service stack up to competitors? vs Lexington Law

Lexington Law is one of CreditRepair’s main rivals. They offer some of the best credit repair services, ranging from $89.85 to $129.95. 

The cheapest package doesn’t have many services — besides giving you the option to start off the process of credit repair online. However, Lexington Law seems to be more efficient in what they do: in 2017 alone, they removed 10 million negative items from the reports of their clients.

For more details about Lexington Law, check out our review. vs Sky Blue

What makes Sky Blue stand out the most from its competitors is their 90-day guarantee. If you are not happy with their services, you can request a refund.

They charge a one-time $79 setup fee and a $79 monthly fee. If you sign up as a couple, you can get a discounted rate of $119 for setup and $119 per month.

For more details about this credit repair website, read our Sky Blue review.

Wrap Up has the reputation of being one of the best credit cleaners. So, if you feel your credit report is inaccurate, their services are worth checking out. Logo

Editorial Rating FAQ

What is is a company that can help you dispute inaccurate and unfair negative items on your credit report. Having these items removed can help you improve your credit score. This in turn increases your chances of getting approved for credit cards, student loans, auto loans, mortgage loans, as well as getting better rates on your loans.

Is legitimate?

Yes, is a legitimate financial services company founded in 1997. They have removed 1.8 million negative items from the reports of their customers since 2012.

How much does cost?

The services offered by cost $99.95. There is also a $14.99 charge to load your TransUnion credit report in their system.

How do I cancel my membership?

The only way to cancel your membership is by contacting support.

What is the difference between (re)building credit and credit repair?

Repairing your credit means addressing the negative items in your report and seeing if you can remove the incorrect items and dispute any mistakes in your report. Building or rebuilding credit means being proactive in improving your credit rating. Here is what you can do to rebuild your credit: Improve your payment history Lower your credit utilization rate Set up a debt management plan Get a debt consolidation loan

How does debt affect your credit score?

Your level of debt accounts for 30% of your score. While debt consolidation loans may hurt your score temporarily, reducing your outstanding debt is generally a good idea. In the long run, this will improve your score. Debt settlement can also negatively impact your score. It will remain on your report for around 7 years, however, older negative information has a lesser impact on the score.

How do I fix my credit myself?

To repair your credit on your own, you would first need to have a look at your credit report. If you notice any mistakes, you can report them to the credit reporting agency and the creditor (information provider).

Does credit repair com really work?

In order for this to work, you need to have errors in your report. If the negative items in your report are accurate, then disputing them won’t make a difference. Luckily, negative information won’t stay on your report forever but will be removed in 7 to 10 years.

Is credit repair worth the money?

For some people it is, for others it is not. As stated in one review, you can try and dispute these items on your own. While this is true, the process can take a couple of months, making this type of service worth considering.