Developed by : Freelancing Care

Review: EZ Credit Repair

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.

Score: 9/10

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.

  1. Remove bad credit – Strengthen your payment history.
  2. Rapid rescore your existing credit – Strengthen debt ratio.
  3. Add seasoned tradelines – Strengthen length of credit history.
  4. Add more good credit – Introduce more types of credit.
  5. 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.


  1. Interesting article. As someone who has had his fair share of credit issues (self inflicted) in the past I wish that I had found something like this about 6 or 7 years ago. I wound up having to claw my way out of it and luckily, I did.

    Based on your assessment, it sounds like EZ Credit Repair is more like a credit counselling business than a restructuring. Is that a fair assessment?

    • Hello Christian,

      Thank you for the compliment on my article content. That really means a lot. You know, as I researched EZ Credit Repair, it seemed like Credit Counseling or Credit Consulting would have been better names for what they do because it appears to be so much more comprehensive. I almost wish they would have chosen a name that set them apart from the typical credit repair company. According to their website, they practice “rescoring” which appears to be much more like a restructuring of your credit profile to better suit your needs.

      I hope this helps to clarify your own assessment of the service. I would love to hear from some people who have tried the service recently.


  2. Very informative article Tamara! I myself do not have any credit issues, but I do know many friends and some family members that could take a look at EZ credit repair.

    Have you tried this service? Would you say this is the best credit repair service or is there better ones on the market?

    • Hello and thank you for your comment.

      One of the common misconceptions about credit is that you should only use spring cleaning processes if your credit is bad. You can use a credit company or look at your own reports yourself just for routine maintenance. Prevention is the best type of medicine.

      I haven’t personally used this service, but based upon the program and services they offer, and their transparency as a company, my recommendation and rating is sound. Using the service is at the risk of the consumer, so be sure to do your research and ask plenty of questions to qualify this service before signing any agreement or making any investment.

      There are thousands of companies out there that provide credit services. Do your due diligence and you will find one that is best for you.

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