Credit Repair Services Cost Guide Now Available On

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A new guide from Loan Love can help keep potential borrowers from overpaying for credit repair services. is a website that is dedicated to helping borrowers to find loans that they will love. A big part of finding a great loan is getting a good interest rate and, unless the borrower is willing put down a big down payment, interest rates are determined primarily by the borrowers credit score. For those who are suffering from bad credit, usually their best option is to try to improve their credit scores before applying for a loan. Some of these people decide to obtain the services of credit repair agencies or law firms. But how much should repairing credit really cost? A new guide from Loan Love titled, “Credit Repair Services Cost (Don’t Get Ripped Off!)” helps to answer this question.

The new guide says, “It sounds too good to be true: rather than letting time work its healing magic on your credit score, you can purchase the services of a credit repair firm to improve your score in just a few months and be on your way to a new home purchase. But what do credit repair services cost and how effective are they? The short answer is that, like most things that sound too good to be true, a quick fix to your credit score is probably not the best use of your hard-earned cash. While there are some credit repair companies that are complete scams, in many cases, the services offered actually can have a positive impact on your credit score. However, with a little time and effort, you can go through the same credit repair steps and get similar results. Plus, there is the chance that engaging the services of a credit repair company could actually harm your credit score rather than pulling it upward.”

The article goes on to explain that those who are seeking credit repair should be especially cautious if they decide to obtain the services of a credit repair agency. There are many of these so-called agencies that will take hundreds or even thousands of dollars from their clients without significantly improving their credit scores. While not all agencies are like this of course, the fact that there are many predatory credit repair firms means that those who wish to find a good credit repair agency must really do their research to make sure that the services they are getting will be worth their hard earned money. Loan Love goes on to explain some things to look for when choosing a credit repair agency, and talks about what type of costs and payment methods to be aware of.

The credit repair cost guide also explains why it might pay to avoid credit repair agencies altogether. It says, “The biggest reason you should think twice before paying to have a company improve your credit score is because in most cases, those companies are going to take the same steps you can legally take on your own to clean up your score. The fact is, it is your right to dispute any errors you find on your credit report and the three major credit bureaus must investigate your dispute at no additional charge. That means, anything a credit repair organization can do for you legally, you could be doing on your own. The three major credit reporting bureaus each have websites that provide information on the procedure you should follow for disputing erroneous information. In most cases, you will have the option of filling out a form online or mailing a letter.”

Loan Love ends by offering a third option – credit counseling. Unlike credit repair agencies, these businesses typically help by counseling borrowers on how to make better credit decisions in the future. This is not usually a short term fix, but it is a long term way for borrowers to get out of the bad credit trap. Another benefit of these credit repair counsel organizations is that they are often run as non-profits or have relatively small fees involved. The article ends by saying, “If you are looking to improve your credit score so you can get the best possible interest rate on a future real estate purchase, making use of services offered by a credit counseling organization, particularly when the services are free or at little cost to you, may be the right choice. In addition, it’s always a good practice to obtain a copy of your credit report and dispute any erroneous statements prior to applying for a loan. However, this step can be taken on your own, without the cost of a credit repair agency.”

For more information on this subject, read the full credit repair cost guide at

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Kevin Blue
Loan Love
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