Overview
Soko Credit Repair is a Georgia-based credit repair firm that helps consumers restore their credit after their score has gone down as the result of tax liens, judgements, bankruptcies, and late or missing payments.
Pros
The first positive aspect of the company we found was that they create a custom plan for each customer based on their unique credit report. This level of personalization gives us faith that they are committed to achieving results for their customers. Moreover, it sets them apart from many other credit repair firms which use automated or form letters, and treat each consumer exactly the same, which doesn’t lead to the results that customers deserve.
Soko Credit Repair has the additional benefit of 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
The last pro we’d like to note is 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.
Cons
Soko Credit Repair does have some downsides, for example, their fees and rates for services aren’t described on their website, which means that customers will have to set up an appointment or call in to get more information. We don’t like this sales tactic, as customers are more likely to sign up with a service once they’ve shared information, so we view this as a negative when it comes to credit repair services.
Soko Credit Repair also lost some points in our review because they don’t have any kind of money-back promise. This stands in contrast to many of the firms we looked at who stand by their services to the extent that they are willing to provide a 100% refund if the consumer doesn’t get results from their services. As a result, they don’t rank as highly in our reviews as they otherwise might.
Soko Credit Repair also gets bumped down a few rankings because they don’t offer debt collection services, which can be nice for many consumers who are looking for credit repair services. This isn’t absolutely necessary, but it is something we see from the best credit repair services.
Verdict
Soko Credit Repair are a middle of the pack option for credit repair. They offer solid dispute and verification options, but don’t have the services that we expect from the best credit repair companies and so don’t break into the top of the pack. Better price transparency or additional services beyond disputes could help get them where they would like to be.
