Select Page

Overview

RL Kramer’s Credit Repair Pro offers one of the longest terms on their refund policy out of the credit repair companies we’ve looked into, 120 days. They provide dispute assistance to remove negative items from their customer’s credit reports and boost their FICO score to get better terms on things like home loans, auto loans, and credit cards.

Pros

RL Kramer will launch disputes on your behalf to force credit repair agencies to remove negative and inaccurate information from your credit report. These items include things like late payments, foreclosures, bankruptcies, tax liens, judgements, and more. The result is a higher FICO score that can help consumers get better deals on mortgages, car loans, and other financial products.

Cons

The company isn’t perfect. The first issue we have is 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.

They also have another problem, namely that their prices are higher than many of the other credit repair firms we looked at. As a result, they may not be the best option for some consumers. This is especially true when the nature of the credit repair industry is considered, as many credit repair clients don’t have extra money to spare. As a result, they lose a few points in this category and aren’t as good as some of the other credit repair companies we’ve looked at.

Verdict

RL Kramer’s Credit Repair Pro isn’t a company that we’d recommend for most consumers. They have a higher price than average and don’t use the best payment model, which can cost consumers more money than the credit repair process should. We’d advise looking into other credit repair firms.