Name: EZ Credit Repair
Price: EZ Credit Repair offers four pricing packages:
Standard, Inquiry, Premier, Rapid Rescore
Each package has two options: a monthly subscription or an annual option.
The annual options provide a discount on the total payment for the year compared to the monthly subscription.
Each package also has a one time setup fee and the monthly subscription is for a minimum of 6 months.
The Terms of Service state that the payment is for the initial consultation only and that the dispute service that you receive is free and last one year.
Who is it for:
Individuals seeking credit repair services that will focus on the five categories of factors that affect their credit score instead of a quick-fix, bandage solution to credit restoration should choose EZ Credit Repair.
How It Works
According to the EZ Credit Repair website, a consumer is paying for the initial consultation which consists of an education on the guidelines established by Fair Isaac Corporation that were established in 1988. The credit dispute service received is free and lasts for 12 months, but a consumer can choose to initiate their own dispute if they do not want EZ Credit Repair to initiate the dispute.
EZ Credit Repair provides both credit report disputing as well as what they call Credit Score Optimization services. Credit Score Optimization uses the five factors that FICO outlines to determine an individual’s credit score.
- Remove bad credit – Strengthen your payment history.
- Rapid rescore your existing credit – Strengthen debt ratio.
- Add seasoned tradelines – Strengthen length of credit history.
- Add more good credit – Introduce more types of credit.
- Remove inquiries – Maintain total number of inquiries.
Based upon this system, EZ Credit Repair maintains that they have developed a system of successful credit repair for individuals who become long-term clients of theirs.
They have five credit repair experts employed through their company who have pictures and bios on the website.
An expert appears to be assigned to the consumer when they sign up for services.
Like most credit repair companies, they will order credit reports and the consumer must send reports back and work with their credit repair expert to receive results.
- Positive reviews appear to be very good and negative reviews appear to be common complaints with the typical credit repair company – the consumer did not have the money to spare for the service, asked for a refund, but did not allow the process to go through in order to get results.
- While the reviews are only 1 1/2 – 3 stars online, those reviews only include 1 review from one consumer which is not telling enough to give a true picture of the service that EZ Credit Repair provides.
- The Better Business Bureau lists one positive review from March 2015 which is fairly current and two negative complaints, one from December 2012 and the other from February 2013 which are fairly old.
- They list memberships to organizations that verify the work they provide on their credit repair service for FICO credit scores.
- They have been in business since
EZ Credit Repair has low reviews due to lack of positive reviewing. This is possibly due to the lack of marketing for testimonials and reviews from their customers.
The price is high for a subscription credit repair service, however, the work they provide appears to be comprehensive compared to other credit repair services.
If the credit repair services themselves are free, a consumer should ask questions about the strength of the dispute through this process and must stay dedicated to that process to see it through to their satisfaction.
EZ Credit Repair is the most fascinating and well rounded credit repair service I have researched.
It is unfortunate to me that they still use the words “credit repair” to describe what they do, because they appear to be on a much higher level of service for individuals than the typical credit repair model. They appear to set themselves apart in a way that other credit repair services cannot compete with.
Any consumer using EZ Credit Repair should be seeking to create a better financial education and to use their service in order to take themselves to the next level in credit management. A level that requires better habits and behaviors and a better understanding of the purpose of credit than what is promoted elsewhere. The more you know about your own credit, the better results you will achieve with EZ Credit Repair’s service.
My Final Rating
If you are interested in starting the approval process off by raising your credit scores for free, I invite you to take my free, four-part, Dispute Letter Mastery Course.
In this course, you will learn how to update your personal information, dispute information that has errors, and delete negative information in order to raise your credit scores 50 – 75 points in only 45 – 60 days. A boost like this can really make a difference in your interest rates, and it is all free.