Overview
Cleanup Credit Repair is a credit repair firm that focuses on using disputes to help consumers remove harmful and inaccurate information from their credit report. This information may include things like late or missed payments, judgements, tax liens, and more.
Pros
The first positive aspect of the company we found was that they have solid consumer information regarding credit, credit services, the credit reporting process, and more. This gives them a boost because our research shows that companies that put more effort into consumer information and education generally have better marks when it comes to customer service and customer satisfaction. Moreover, consumer education shows a greater focus on helping the consumer with their financial situation, and less like the credit repair company views itself as merely another business.
Cleanup Credit Repair also gained points in our review because their rates and fees are clearly explained on their website. This saves customers time shopping for credit repair services, and lets them understand the sort of commitment they will be making without having to sit through a consultation that is really just a sales pitch. This is preferable to companies that want you to call or come in to get rates because that is a sales tactic, as customers are more likely to sign up for a service if they make personal contact or give their information to a company.
The last pro we’d like to note is that they offer a dispute service that helps consumers target detrimental information on their credit reports, including late or missed payments, bankruptcies, defaults, tax liens, judgements, and more. These pieces of information can severely impact a person’s credit score and leave them suffering from higher interest rats on loans and credit. Negative information can even disqualify someone for loans and credit, making disputes an excellent tool for credit repair services
Cons
Cleanup Credit Repair does have some issues however, the first being 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.
Cleanup Credit Repair also lost some points in our review because they don’t have the detailed list of services that we want to see from the best credit repair companies. A detailed services list is a good indicator of the resources a company is willing to put into the repair process, and is important when judging the value-for-money of their services. Companies that have a clear list of the services they offer generally did better in terms of the customer service and satisfaction ratings they got from us, other reviewers, and customers.
Cleanup Credit Repair loses points because they don’t provide customers with proof of past successes in the form of case studies or before-and-after credit reports from actual clients. This makes it difficult to evaluate how successful the company has been, and also makes it difficult for customers to determine if the firm has the experience needed to work with their specific circumstances
Verdict
Cleanup Credit Repair is a company that isn’t quite there yet. They don’t have a good description of their services online, and their price is one of the highest that we could find for credit repair services. They do get some points for being upfront about the price, but we’d like to see more case studies and other proof of results before we can recommend them at the price they charge.
