3 Best Credit Repair Company And Their Services


Having a weak credit line can be a real challenge when it comes to buying a home, a car or getting any kind of income. A low credit score may result in your loan application being denied or it may give you a higher interest rate than usual.

Even if your bad credit is not an error in your credit report which is not your fault, trying to solve the problem by yourself can be extremely difficult and frustrating.

A credit repair service is a company that works for you to remove negative items in your credit report such as late payments, liens, charge offices, debt collection, bankruptcy and many more.

Each company has its own pricing structure and unique methods for repairing your credit score.

Having said that, let’s take a look at some of the most popular Credit Repair service providers and how they stack up against each other.

Here are 3 Best Credit Repair Companies and Their Services:


Credit Karma



1. CreditRepair – Best Credit Repair Services

CreditRepair.com is recognized as a popular credit monitoring agency in the industry. They’ve earned glowing testimonials and positive customer reviews both their results and on their customer support. The company were founded in 1997, But they began offering their credit repair services in 2011 and has assisted hundreds of thousands of members since then.

Their primary goal is to help through credit repair as well as credit counseling empower individual customers to overcome their credit issues, clean up their files, acquire debt solutions and improve their scores–finally achieving good credit.

  • Offers a free credit evaluation
  • Choose from three service levels
  • Robust educational library
  • Option for in-house credit monitoring
  • Repairing Credit Since 1997
  • 24/7 Credit Monitoring & Alerts
  • Identity Theft Insurance Included
  • Track Your Credit Score With Their Free App
  • Lacks full pricing transparency
  • Not available in all locations
  • Limited monthly disputes

CreditRepair.com pulls your credit reports from the three major bureaus (TransUnion, Equifax, and Experian) to identify and dispute unverifiable items such as bankruptcies, charge-offs, late payments, collections, judgments, and more.

You are also provided with a comprehensive online client portal and a free app on Android or iOS in order to track your credit improvement progress 24/7.

CreditRepair.com offers TransUnion credit monitoring, score tracking, and analysis at no additional cost to you. First-time callers to CreditRepair.com also receive a free personalized credit consultation, access to credit report summary, a free credit report audit on all accounts, and free score evaluation.

What They Offer

CreditRepair.com provides credit score tracking and credit repair progress updates for tech-savvy clients. Check out some of their features:

Online Dashboard

Monitor your starting credit score and its progress through this online application.

Mac iOS & Android App

Free from both app stores, you can streamline the personal online dashboard through your smartphone. This gives you access to your information no matter where you are.

Text & Email Alerts

CreditRepair.com allows you to set up text and email alerts to give you updates on your credit repair progress. It doesn’t matter if the news is good or bad — you’ll know as soon as the information comes in.

What It Costs

CreditRepair.com doesn’t charge an account setup fee, but they do have a low initial fee that pays for processing and to pull your credit report. Here’s how the costs breakdown:

  • Initial Fee: $14.99
  • Monthly Fee: $99.95

CreditRepair.com’s three-pronged approach includes repairing past credit issues, monitoring your current credit situation, and helping you to financially prepare yourself for your future goals.

Like most other reputable credit repair companies, you can cancel your subscription at any time without incurring any extra fees or costs. As soon as you’re satisfied with your credit scores, you can cut off your plan, no questions asked.

CreditRepair.com Customer Services

Touch points of CreditRepair.com’s main customer service are via email and phone. Phone service is available Monday through Friday from 6 a.m. to 10 p.m. Between MST and weekends.

Customers can also download a mobile app to access their account dashboard and credit score tracker. The app is available for both iOS and Android and receives generally positive reviews with at least a four-star rating in both App Stores.


2. Creditcama.com

Creditcama.com is a free online service that provides a monthly credit score since 2000. They offer free monitoring, federal and state income tax preparation, and credit card and recommendations.

  • It’s free
  • Support from Credit Karma professionals
  • Authorized IRS E-file Provider
  • Encrypted data
  • Errors are on you
  • Can’t file state return without also filing federal return

Creditcama.com combines your credit score with credit cards that typically accept applicants with similar scores. If you apply through credit action they get a small commission.

You do not need to apply for a credit card to use the credit card. Many people sign up for this service only to access free credit scores and credit monitoring permissions.

Creditcama.com Free Credit Monitoring

Creditcama.com monitoring goes hand in hand with a free credit score. Since Creditcama.com action is already accessing your credit report to provide your credit score, they will also send you a warning if they suspect unusual activity.

For example, when you apply for a new credit card or mortgage loan or car loan, they will send you a notification if the credit bureaus report a strict investigation. If your application is approved, Creditcama.com action will send you a second notification stating that a new Creditcama.com account has been opened in your name.

Creditcama.com Free Tax Filing

Free tax preparation is the most recent feature of credit action that was introduced during the filing of the tax year 2016 in 2017. More than one million people took advantage of free federal and state income tax services for credit action.

Creditcama.com will file any tax return free of charge. Even if you have a complex schedule C, D, or E form to itemize or file your investment income or self-employment income report. There are a few unsupported tax forms where Creditcama.com will not file a New Mexico State tax return or a part-year resident return.


3. FreeScore360

FreeScore360 is based in Dallas, TX and was founded in 2000. Credit monitoring is the process of reviewing your credit reports for accuracy and changes that may be caused by fraudulent activity. You can monitor your credit by yourself or by using a credit monitoring service, such as FreeScore360.


  • Offers access to the data of multiple credit bureaus.
  • Experian’s credit report.
  • TransUnion’s credit report.
  • Equifax’s credit report.
  • FICO Score available.
  • Helps with disputing errors on your credit report.
  • Free trial available.
  • Access to all three national credit bureau reports.
  • Provides identity protection.
  • Will not help you with freezing your credit report.
  • No free credit monitoring.
  • Does not allow you to check your updated credit report anytime you want.

How much is FreeScore360?

FreeScore360 charges a monthly fee of of $29.95.

Does One Technologies, LLC offer free credit monitoring services?

No, FreeScore360 does not offer free credit monitoring.

Does FreeScore360 offer a free trial?

Yes, FreeScore360 offers the option of a trial for a nominal price. However, check the terms of the trial. Usually, trials require a small fee and auto-renew into a full membership after the trial period.

How accurate is FreeScore360?

FreeScore360 is as accurate as the information on your credit bureau reports. Only you can tell if the information is incorrect or incomplete.

FreeScore360 offers access to all three credit reports, which is a huge benefit if you want to ensure all the information used by creditors is accurate.

Your credit reports can differ significantly depending on which credit bureau’s data you use. So, it is a good practice to check all three credit reports.

FreeScore360 offers access to the credit reports mentioned below.

Credit Bureau Reporting

  • Experian
  • Equifax
  • TransUnion

Credit scores also vary depending on the model used, such as Vantage or FICO 8. FreeScore360 gives you access to your FICO score, which is the model most widely used by lenders.

How often does FreeScore360 update?

FreeScore360 does not specify how often it updates credit reports.

What features does FreeScore360 offer?

There are many credit monitoring services, free and premium, to choose from. So, you can get picky when it comes to credit monitoring features. Here is a summary of the features FreeScore360 offers.

What is the identity theft insurance limit?

FreeScore360 offers a maximum coverage for identity theft of $1,000,000.

Does FreeScore360 help with fixing credit report errors?

Yes, FreeScore360 helps dispute incorrect or incomplete items on their credit reports.

Does FreeScore360 help you put a credit freeze on your credit report?

No, FreeScore360 does not help you put a freeze on your credit report. This article provides a detailed step-by-step guide on how you can do it yourself.

How to contact FreeScore360?

The easiest way to contact FreeScore360 is visit their website and go to their help and support page. You can typically find a link on the footer of their homepage. click here.

How to cancel FreeScore360?

To cancel your FreeScore360 account, log in as you usually do. Go to your profile or account page and request a membership cancellation.

How can I join FreeScore360?

  1. Visit the One Technologies, LLC website.
  2. Fill in the enrollment form. You will typically need to provide general financial information, such as your name, Social Security Number, address, annual income, and source of employment.
  3. Check the information is accurate and submit your application.


A review of these 3 best credit repair companies and their services shows that Creditrepair.com has a very good service.

We recommended Creditrepair.com because they do a good job of providing your credit score and monitoring your credit. The resources available in Credit Action make it easy to monitor your credit activity and plan for your next successful credit card application.

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