Review (2024): Is It Legit And Worth It?

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creditrepair-com review

If you're looking for a credit repair company, you may have come across But is it worth it? In this review, we'll take a look at what they offer, the costs, and whether or not they're legitimate. We will also discuss the pros and cons of using their services so that you can make an informed decision about whether or not it is right for you!

What Is is a website that provides information and services to individuals looking to improve their credit scores. The company was founded in 1997 by Kevin Lane and is headquartered in Salt Lake City. It is a fully owned subsidiary of Progrexion.

The website offers a variety of resources, including a credit score simulator, articles on how to improve one's credit score, how to recognize red flags that lead to debt, and a directory of credit report agencies. also provides access to its own credit repair services.

Credit scores are important because they can affect many aspects of our lives, such as our ability to get a loan, have a job, credit cards or rent an apartment. A low credit score can also lead to higher interest rates and fees when borrowing money. It is therefore important to understand what your credit score is and how you can improve it if necessary.

There are several things you can do to improve your credit score. One of the most important is to make sure that you always pay your bills on time. You should also try to keep your credit utilization low, meaning that you should not borrow too much money relative to the amount of credit you have available. You should also make sure that you have a good mix of different types of debt, such as installment loans, revolving lines of credit, and mortgages. Finally, you should check your credit report regularly for errors and dispute any inaccurate information.

If you need help improving your credit score, offers a variety of resources and services to help you get started. You can use the website's credit score simulator to see how small changes in your behavior can impact your score. You can also read articles on how to improve your score, find a reputable credit counseling or repair agency, or use credit building apps, or get access to's own services.

What Does Credit Repair Offer?

When it comes to credit repair, is one of the best and most comprehensive services available. They offer a variety of services, including:

Bureau Challenges can dispute all of the negative information on your credit report, which could lead to it being removed.

Debt Validation

If you have any debt that is listed on your credit report, can help get it verified and validated. This can help improve your credit score.

Goodwill Intervention

If you have a good credit history but a few negative marks on your credit report, can work with the creditor to try and get the mark removed.

Cease and Desist Intervention

If you are being harassed by a collections company, can send them a cease and desist letter to stop the harassment.

Fico Score Update will keep you updated on your credit score progress throughout the entire process.

👀 Related Article: Experian Boost Review

Is Credit Repair Legit? is a website that offers credit counseling and credit repair services for people with bad credit. There are many different opinions on whether or not is a legitimate service. Some people claim that the company is helpful in repairing their credit report and improving their credit score. Others say that the company is a scam and that they do not provide any real help.

The truth is, there is no one-size-fits-all answer to this question. may be a legitimate service for some people, but it may not be right for everyone. Before you decide whether or not to work with this company, you should consider your own personal financial situation and your specific needs.

Here are some things to keep in mind before deciding whether or not is right for you:

  1. does not offer free credit repair services. In order to use their services, you will need to pay a fee. This can be a bit of a gamble, since you may not know if their services are effective or not until you have already paid them.
  2. does not provide legal advice. If you have questions about your credit report or about how to improve your credit score, you should speak with a lawyer or financial advisor who can help you understand your specific situation and offer legal advice.
  3. may not be able to help you if you have a history of bankruptcy or other serious financial problems. Their services are geared towards people who want to improve their credit score so that they can get approved for a loan or mortgage. If you are unable to qualify for a loan due to your credit history, then their services may not be able to help you.
  4. may not be able to help you if there are errors on your credit report that are beyond their scope of control. In some cases, the company may be able to help remove negative items from your credit report, but they cannot fix errors that are caused by incorrect information on your file.

Before making a decision about whether or not to use the services of, it is important to weigh all of the pros and cons carefully and consider your own unique financial situation

About and Progrexion Lawsuit

Credit repair companies are a dime a dozen. So, when you're looking for one, how do you know which is the right one for you? Do your research!

One credit repair company that has been garnering a lot of attention lately is Here's what you need to know about Progrexion lawsuit.

Progrexion is a credit repair company that has been in business since 1997. PGX Holdings Inc. is the parent company of Progrexion Marketing Inc., Progrexion Teleservices Inc., eFolks LLC, and Inc. John C. Heath is an owner and operator of Lexington Law, a law firm that specializes in credit repair services.

The company has come under fire in recent years, with several lawsuits being filed against it.

The lawsuit, filed in U.S. district court in Utah, alleges the defendants violated the Telemarketing Sales Rule (TSR) by requesting and receiving payment of prohibited upfront fees for their credit repair services. Under the rule , companies can only charge fees for telemarketed credit repair services after providing consumers with documentation reflecting that the promised results have been achieved.

The Bureau's investigation found that the defendants do not provide any documentation evidencing that the promised results have been achieved until after they have received payment from consumers. In many cases, consumers are unable to obtain refunds from the defendants even after canceling their services.

The Bureau's complaint seeks to stop the defendants from continuing these illegal practices, obtain refunds for consumers, and impose civil money penalties. is a website that offers credit repair services. According to the website, for a fee of $99.95 per month, will "raise your credit score by up to 200 points." The website also states that " has a team of legal experts who know how to dispute negative items on your credit report."

This lawsuit is another step in the Bureau's ongoing work to protect consumers from unlawful and deceptive practices in the credit repair industry. In October 2017, the Bureau issued a report finding that the credit repair industry continues to harm consumers through misleading promises and high-pressure sales tactics. The report also highlighted specific examples of illegal conduct by some of the largest players in the industry.

As a result of the lawsuit, Progrexion was ordered to pay $2.5 million in damages. This was the largest award ever given in a credit repair lawsuit.

In addition to the $2.5 million in damages, Progrexion was also ordered to stop using deceptive tactics to sell its services. This ruling could have a major impact on the credit repair industry as a whole.

How Does Credit Repair Work - What's The Process

The company offers a variety of services, including credit report access, credit score tracking, and direct interaction with creditors. The site also promises to help users dispute inaccurate or negative items on their credit reports, as well as to work with credit bureaus to ensure that changes are made.

In order to use, you'll need to provide some information about yourself and your credit history. This includes your name, Social Security number, and date of birth. You'll also need to provide some information about your current debts and credit accounts.

Once you've entered this information, will access your credit reports from all three major credit bureaus. The company will then organize the information in a way that makes it easy for you to see where you may have some areas for improvement.

From there, will create a plan tailored specifically for you. This plan may include interacting directly with creditors and dispute letters to the credit bureaus. The company promises to keep you updated on your progress every step of the way.

How Much Does Creditrepair.Com Cost?

The company charges a monthly fee, on top of a “first-work fee,” which is separate from the monthly billing cycle and covers the cost of setting up your account. The first-work fee includes several steps, such as getting your credit information, deciding on a plan that will address your unique credit situation and starting to communicate with the bureaus.

It’s important to be aware that your rights are protected by the Credit Repair Organizations Act (CROA) whenever you work with a credit repair service. This act ensures that you only have to pay for services that have been completed. By understanding your rights, you can avoid scams from dishonest credit repair organizations. offers three different plans: the Direct package, the Standard package, and the Advanced package.

Direct Plan

The Direct package is the most basic plan and it costs $69.95 per month, with a first-work fee of $69.95. This package includes bureau challenges, inquiry assists, goodwill intervention, and quarterly credit score updates.

Standard Plan

The Standard package is the second-tier package and it costs $99.95 per month, with a first-work fee of $99.95. This package includes the same benefits as the Direct package but includes a FICO® Score Inquiry Assist service, which allows you to dispute inaccurate or unfair inquiries on your account.

Advanced Plan

The Advanced package is the last package and it costs $119.95 per month, with a first-work fee of $119.95. This package includes all the same benefits as the Standard package as well as monthly credit score updates, more bureau challenges, more creditor interventions, and access to a dedicated credit specialist. Reviews

The company has been in business for over 15 years and has helped millions of people improve their credit score.

Customers who have used generally report positive experiences. Many say that the company was able to help them improve their credit score significantly in a short period of time. Customers also appreciate the customer service team's responsiveness and willingness to help.

While generally enjoys positive reviews, some customers have reported negative experiences. Some customers feel that they were misled about the amount of work that needed to be done in order to improve their credit score or that they were not provided with enough support. Others complain about the high price tag for the services offered by the credit repair company.

Better Business Bureau (BBB) has an 1.06 out of 5 rating with the Better Business Bureau (BBB)

Trustpilot has an 3.9 out of 5 rating with Trustpilot

Google Play Store

The Credit Repair app has a rating of 4.3 on the Google Play Store and got more than 1.75K reviews.

How To Contact Credit Repair Customer Service?

There are several ways that you can contact customer service.

Phone Number

You can call Creditrepair at 1-800-232-6499. The phone number works Monday to Friday from 7:00AM to 7:00PM MST.

Online Support

Alternatively you can check the FAQ page on their website.

No matter which method you choose, you will be able to get help with your account and with the credit repair process. The customer service team is knowledgeable and friendly, and they will do everything they can to help you get the results you want.

If you have any questions or concerns, don't hesitate to contact customer service. They are there to help you every step of the way!

Frequently Asked Questions

How To Avoid Credit Repair Scams

Credit repair scams are an all too common occurrence in today's society. Unfortunately, there are many criminals who see opportunities to take advantage of people who are struggling financially. These scams often promise quick and easy solutions to fixing a person's credit score, when in reality they do nothing but steal the victim's money.

One of the most common types of credit repair scams is the so-called "credit fix" or "credit restoration" service. These companies typically charge a fee in order to help the consumer dispute inaccurate information on their credit report. However, most of these services are nothing more than a scam. The Federal Trade Commission has reported that more than 90% of these businesses fail to deliver on their promises.

In some cases, scammers will even create fake credit repair companies in order to prey on unsuspecting victims. These businesses often have official-sounding names that make them sound legitimate. They may even claim to be affiliated with the government or one of the major credit bureaus. However, these businesses are nothing more than frauds and should be avoided at all costs.

If you're looking for help repairing your credit, it's important to be aware of the many scams out there. Do your research before choosing a credit repair service, and be sure to read reviews from past customers. If something sounds too good to be true, it probably is!

How To Cancel Credit Repair?

The only method to terminate your membership is to call the creditrepair com phone number at (800) 232-6499 between the hours of 8 a.m. and Midnight Eastern Standard Time (EST) Monday through Friday, or between 9 a.m. and 11 P.M. Cancellations will be handled instantly; however, you cannot get a refund of a paid monthly membership.

Final Thoughts On is one of the most popular services, but it may not be worth the cost for everyone. There are other reputable companies out there that can help you dispute inaccurate information on your credit report or you can do it on yourself. This will save you money. So before you pull out your wallet, make sure you know what to expect and how to get the best results.

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