Credit Assistance Network Credit Repair Review

Credit score Help Community is among the smaller credit score restore companies within the enterprise, a standing that comes with execs and cons. Whereas the corporate is extra seemingly to provide you individualized consideration than a significant competitor may be, youll additionally must take care of fewer sources and outdated applied sciences.

What will get our consideration most about Credit score Help Community, although, is its charge construction which, in contrast to most rivals, operates on a per-deletion foundation as an alternative of a month-to-month foundation. For anybody with an extended listing of credit score reporting errors to repair, this might result in exorbitant charges you possibly cant afford to pay, leaving you in a fair worse place than the place you started.

Execs Defined

  • Free session: Your preliminary credit score evaluation with Credit score Help Community is freed from cost.
  • Personalised service: Since Credit score Help Community is a small firm, youll get extra one-on-one consideration than you would possibly with a bigger agency.
  • Cash-back assure: If Credit score Help Community is unable to take away any incorrect gadgets out of your credit score report inside 90 days, theyll refund your preliminary charge.
  • Provides academic supplies: The corporates weblog is stuffed with guides associated to credit score and monetary well being.

Cons Defined

  • Excessive service charges: After a one-time $179 setup charge, youll be charged $50 per deletion per bureau. That provides as much as $150 for each merchandise that seems on all three of your credit score stories.
  • No monitoring: Credit score Help Community doesnt supply or embrace monitoring in its service charges.
  • Outdated web site: The Credit score Help Community web site gives a poor person expertise and makes it tough to find info. A lot of the info hasnt been up to date since 2013.
  • Makes questionable claims: We discovered a number of examples of questionable and contradictory info throughout the Credit score Help Community web site. For instance, the corporate claims to carry an A+ ranking with the Higher Enterprise Bureau, but it surelys truly a C+.
  • Few buyer critiques: Credit score Help Community has few to no verified buyer testimonials on any of the main evaluation web sites.

Kinds of Companies

Credit score Help Community affords a single credit repair service with no clearly outlined plans or packages. For the reason that firm is smaller than most rivals, it has the benefit of having the ability to tailor providers to the person. This implies the providers you obtain might differ relying in your private credit score historical past. Nonetheless, Credit score Help Community highlights two core providers that it affords by default to all credit score restore prospects.

Credit score Disputes

Most individuals search out a credit score restore firm for help disputing gadgets on their credit report. Credit score Help Community handles these disputes in your behalf, first combing by means of your credit score stories to determine potential errors after which drafting and sending letters on to the credit score bureaus. The corporate will then observe up on any disputes which might be rejected to pursue various programs of motion.

Creditor Interventions

A extra distinctive service to Credit score Help Community is its inclusion of creditor interventions. This encompasses a variety of actions that require interacting instantly with collectors. The corporate might ship requests for debt validation, which forces the creditor to give you proof that you simply legally owe the debt they’re reporting. In case your credit score is in in any other case good condition and also youve been making all of your latest funds on time, it’s possible you’ll profit extra from a goodwill letter, which merely asks the creditor to take away the derogatory mark out of excellent nature.

If Credit score Help Community or any credit score restore firm suggests sending debt validation letters in your behalf, proceed with warning. Most collections companies view this as an indication that you simply intend to keep away from the debt and it could set off a extra aggressive effort to gather fee.

Non-compulsory Add-Ons

Relying on what Credit score Help Community finds in your credit score stories, they might counsel further providers to assist additional enhance your credit score. Theres no official pricing construction for these further providers, so its as much as the corporate to determine what number of theyll embrace in your base charges earlier than imposing a surcharge. Ensure that to ask about further charges earlier than agreeing to providers not included in your preliminary contract.

Settlement Supply Help

Credit score restore cant be used to erase legitimate money owed that you simply truly owe. If a delinquent account is bringing down your credit score rating, the perfect plan of action is to repay the steadiness as rapidly as potential. Because its within the creditors finest curiosity to gather as a lot of their cash as potential, some will settle for a suggestion for lower than the excellent steadiness when you conform to pay a lump sum. Credit score Help Community may help draft settlement supply letters to collectors when you select to pursue this selection.

Id Theft Decision

Victims of identification theft face an extended street to restore their credit score by eliminating traces of accounts opened by criminals of their title. Credit score Help Community can tailor its providers to assist anybody struggling to revive their credit score to its prior standing after their identification has been stolen.

When you can simply rent an expert service to assist restore your credit score from identification theft, its completely potential to do it by yourself with out paying lofty charges. Take a look at the Federal Commerce Fee (FTC) identity theft guide for a transparent, step-by-step plan to report identification theft and clear up your credit score.

Safety Clearance Help

In case your job requires you to have a safety clearance, your credit score is among the many gadgets checked out in your software. Whereas bad credit report gainedt essentially bar you from getting clearance, it could actually actually harm your case. Credit score Help Community affords a selected service to these hoping to shine their credit score earlier than making use of for a safety clearance.

Buyer Service

Credit score Help Community primarily interacts with prospects by telephone and e mail. Representatives can be found to reply telephones from 9:00 a.m. to 9:00 p.m. EST each weekday. It is a promoting level for working professionals with a nine-to-five job; many rivals shut down telephone traces proper at 5:00 p.m. each day, which creates a significant headache anytime it’s worthwhile to get in contact together with your case supervisor.

Sadly, the Credit score Help Community web site doesnt reside as much as the identical normal. A lot of the positionings info hasnt been up to date since 2013 or earlier, and the design seems at the very least as outdated. We often struggled to find key info reminiscent of pricing, and a few particulars had been completely incorrect. For instance, whereas Credit score Help Community advertises an A+ ranking with the Higher Enterprise Bureau, its precise ranking is a a lot much less respectable C+.

Firm Repute

We often use third-party ranking websites as a supply of buyer evaluation knowledge when analyzing credit score restore corporations. Sadly, Credit score Help Community doesnt have a lot of a web based footprint, seemingly attributable to its small buyer base. The corporate has no complaints registered with the Consumer Financial Protection Bureau or the Better Business Bureau, though it does obtain a less-than-optimal ranking of C+ from the latter. As a result of an absence of information on fashionable evaluation platforms reminiscent of Google, we had been unable to find dependable buyer testimonials.

Contract Length

Not like the overwhelming majority of credit score restore corporations, Credit score Help Community doesnt cost charges on a month-to-month foundation. With no contracts to talk of, its straightforward to cancel providers anytime. Nonetheless, since Credit score Help Community payments prospects primarily based on the variety of profitable disputes, you should still be chargeable for charges associated to any gadgets which might be eliminated after you cancel.

Be aware that Credit score Help Community does supply a 90-day money-back assure. If no gadgets are efficiently eliminated out of your report within the first three months, the corporate will refund any charges paid as much as that time.

If in case you have a criticism in regards to the providers of a credit score restore firm, you possibly can file a criticism with the FTC or name 877-FTC-HELP.


Credit score Help Community costs two forms of charges. The primary is a one-time setup charge paid if you join providers. This charge is $179 for people and $279 for {couples}, which is extraordinarily excessive for the trade. The second charge is charged primarily based on the variety of gadgets the corporate has deleted out of your credit score stories. The speed is $50 per deletion per bureau; public file deletions are $75 every.

Credit score Help Community costs prospects $50 for each profitable deletion. Even when the identical error seems throughout all three of your credit score stories, youll find yourself paying $150 in complete to have that one merchandise eliminated. If in case you have a number of errors in your report, these charges may add up in a short time.

The Competitors: Credit score Help Community vs. Credit score Saint

To see how a lot youd pay for credit score restore with Credit score Help Community versus an organization that costs month-to-month charges, we ran a comparability in opposition to Credit score Saint. The competitors mid-tier Credit score Transform bundle prices $99 monthly and contains as much as 10 disputes for each billing cycle, putting the associated fee per dispute as little as $9.90. Youd pay $500 for a similar variety of disputes with Credit score Help Community (assuming they had been all profitable).

On high of this, Credit score Help Communitys $179 first work charge is almost twice the $99 youd pay with Credit score Saint. Taking these prices into consideration, Credit score Saint is definitely the higher worth out of the 2.

Credit score Help CommunityCredit score Saint
12 months Based20042004
Companies ProvidedCredit score restoreCredit score restore, monitoring
Buyer Service TouchpointsTelephone, e mail, consumer portalTelephone, e mail, consumer portal
Upfront Payment$179.00$99.00 to $195.00
Month-to-month PaymentVaries by variety of disputes$79.99 to $119.99


Except you solely have one or two errors to handle in your credit score report, Credit score Help Community could also be costlier than theyre value. The corporates per-deletion charge construction makes it laborious to know precisely how a lot youll find yourself paying for providers till the ultimate invoice arrives. We favor the transparency of a month-to-month membership that features a set variety of disputes per billing cycle.

How We Evaluation Credit score Restore Firms

We take many various knowledge factors into consideration when reviewing credit score restore corporations. Based mostly on trade averages and finest practices, we grade every firm on their service choices, pricing, and insurance policies. We additionally learn fastidiously by means of buyer testimonials to determine frequent themes and potential pitfalls. Lastly, we test with authorities companies just like the Client Monetary Safety Bureau to search for complaints and authorized motion that might point out poor enterprise practices.

Be taught extra: Learn out full Credit Repair Review Methodology here.

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