EZ Choice Financial Corp is a credit repair service company that operates out of Irvine, CA. They have been in business since 2005 and offer a wide range of credit services to their customers. They have one of the most professional and comprehensive websites out of the companies that we researched for these reviews.
One of the best things about EZ Choice is the completeness of the process information they offer on their website. The company details 12 different ways that they will work to help improve their customer’s credit scores. This includes a credit report review, an explanation of your credit report, an analysis, credit education, disputes, working with reporting agencies, understanding reporting agency responses, going over updated credit reports, following up disputes, legal reviews, rights violations, and credit repair service access. This comprehensive approach is one of the best we’ve seen, and gets EZ Choice Financial Corp close to the best credit repair services around. EZ Choice also offers a guarantee that the items on your credit report when you start working with them will be improved within 6 months, or you get a full refund. They have sent more than 1 million disputes to credit reporting agencies and have worked with more than 15,000 customers in the 12 years they’ve been in business.
The biggest downside for EZ Choice, and the thing that keeps them out of the list of the best credit repair services, is the lack of pricing transparency on their website. There isn’t any information about how much their services cost, nor is there a description of their pricing or fee structure. As a result, we don’t know if they are advance-fee, results-based, or a combination of the two models. A lack of pricing transparency prevents us from naming a company among the best credit repair services because we cannot accurately evaluate the value per dollar that customers are getting for their money.
EZ Choice also has a lack of consumer information on their site. There’s no explanation of the credit reporting process, the dispute process, or even a basic explanation of the more confusing terms. As a result, consumers are forced to look elsewhere for information, which lowers EZ Choice’s score a little bit more.
EZ Choice is a solid, if not great, choice for credit repair services. They have a detailed and effective process to help individuals fix their credit, we just wish they offered pricing and terms information.