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Overview

360 Credit Consulting is a credit repair firm that uses a program informed by the latest laws and regulations governing credit, credit repair, and credit reporting in order to help customers boost their credit scores and get their finances in order. They have a number of programs devoted to helping customers who have specific goals, which makes them appealing for many consumers.

Pros

The first positive aspect of the company we found was that they file disputes with credit reporting agencies to challenge negative and inaccurate information found in credit reports. This information can severely impact a consumer’s credit score, resulting in higher interest rates for loans, or possibly getting denied for loans altogether. These disputes are one of the most common strategies for resolving credit report issues.

360 Credit Consulting has the additional benefit of they offer lots of helpful information for consumers regarding credit, credit repair, credit reporting, good credit practices, and more. Our research indicates that companies with more consumer information generally do a better job at helping consumers stay out of credit trouble. Moreover, a greater focus on consumer indication generally means that the company is at least as interested in helping the consumer as they are in making a profit, and important aspect for credit repair companies.

The final pro we’d like to highlight is that they have a clear description of their rates and fees, which lets consumers know what the total maximum cost of their services will be. This helps customers understand the value-for-dollars they are getting from the company. Moreover, our research indicates that when a company has transparent pricing they are more likely to get positive results for customers and have higher customer service ratings.

Cons

360 Credit Consulting does have some downsides, for example, they use a monthly fee model instead of a pay-per-deletion model. We don’t like this model as much because it means that the consumer is paying the credit repair firm to wait for a response from the reporting agency. Neither the consumer nor the credit repair company has control over how long the credit reporting agency takes to respond to a dispute or verification request, and so the cost for credit repair services can become higher than it should be with the monthly fee model.

360 Credit Consulting has some other issues, including the fact that their prices and fees are on the higher side for the credit repair companies we reviewed. This brings them down a few notches because it limits the number and type of consumers that can get value from their services. Moreover, higher prices don’t correspond to better results or higher customer satisfaction in our research, so there isn’t as much of an upside as consumers might hope.

360 Credit Consulting also gets bumped down a few rankings because they don’t have any case studies or samples of consumer credit reports available. This makes it hard to verify their success, and knocks them down a few points in our review because before-and-after credit reports from customers is really the best way to show the sort of results that customers can expect from their services.

Verdict

360 Credit Consulting still has some work to do before they can break out of the pack of credit repair companies. They use a pricing model we don’t care for, cost more than many other services, and use free consultations to get customers into the door to make a sale. Look elsewhere for credit repair services.