Disclosure: Thank you CreditRepair.Com for sponsoring this post. CreditRepair.com’s team understands that a credit score is not just a number; it’s a lifestyle.

Law School Isn’t Cheap!
Eight years of Post-Secondary education at some of the world’s best Universities wasn’t cheap. For those of you who don’t know, I’m a corporate lawyer on Wall Street. I have a 3 degrees and 8 years of post secondary education. That includes a Bachelor of Commerce from the University of Alberta, a Juris Doctor from Canada’s top Law School, the University of Toronto, and a Master of Laws (LL.M.) from one of the world’s best law schools, the New York University School of Law.
Debt, Debt & Wall Street
All that education was extremely costly. And unfortunately, I had to pay for it myself. I faced the classic middle-class problem… coming from a family that had “too much” to qualify for financial aid, yet was not wealthy enough to afford my 6-figure education up front. So I financed it myself with savings I had accumulated while working numerous jobs during Undergrad. I taught dance, taught violin, and worked as a server at high-end restaurants.
During the summers I added an additional job on top of those. I also received a lot of academic scholarships which helped during those first 4 years of post-secondary. But when it came to law school, it was a whole new ball game and I had to take out the dreaded student loans. When it came to my Masters Degree, I had exhausted the government student loans and had to move on to student loans provided by my Bank.

This placed a huge burden on my shoulders. I was constantly worried about money and eager to pay off my student loans as quickly as possible. After pounding the pavement and working my butt off, I landed my dream job at the world’s most profitable law firm, Latham & Watkins. Working at and one of the most prestigious law firms in the world provided a hefty 6-figure salary (after working a mere 90 hours per week), but nevertheless, it still took years for me to pay off my student loans and all the interest they had accumulated.
Living in Manhattan isn’t cheap either, so every month, I would pay my rent, leave some money for expenses, then completely empty my bank account putting all the remainder towards paying off my student loans.
Debt Free…Now on to Credit Repair
I’m now proud to say that I’m debt free and working towards my next goals in life (hello expensive Manhattan condominium). So when I had the opportunity to work with CreditRepair.Com to repair my credit, I jumped at the chance.
I won’t bore you with the specifics of why having a great credit score is integral to your overall life, because I’m sure that if you’re reading this, then you already know. So I was curious to see what CreditRepair.Com could do for me.

What is CreditRepair.Com?
For starters, CreditRepair.Com’s motto is pretty literal. They state that: “[They] help people work to repair their credit, and frankly, [they] know a thing or two about credit repair.” In fact, “members who signed up in 2018 saw, on average, 28 items challenged on their behalf.” Challenged? What does this mean and why does that matter? More on this later…
Indeed, CreditRepair.Com is a leading provider of credit report repair services in the United States. They are an expert team of credit professionals who educate and empower individuals to achieve the credit scores they deserve.

Why is Credit Repair Necessary?
Well, it turns out that millions of people have inaccurate or unfair negative items wrongfully affecting their credit score. Credit repair is the process of finding and addressing these questionable items. This means that once you’ve signed up, CreditRepair.Com will work with you to challenge the questionable negative items affecting your credit score with all three credit bureaus, helping to ensure that your credit reports are accurate and fair.
By law, creditors are required to verify the negative items they have reported when you request confirmation of such items. If they cannot do so, they are required to stop reporting them. Over time, by challenging each inaccurate negative item and placing the onus on the creditors to prove the accuracy of such items, unverified negative items should be removed from your credit report by creditors and credit bureaus. Then, depending on your overall credit factors, your credit score should improve.
In addition, CreditRepair.Com watches your credit, addressing additional issues as they arise so that you can stay on track and reach your goals.

Getting Set-Up with CreditRepair.Com
So knowing all this, I was curious to see how the set up would go at CreditRepair.Com. Admittedly, I HATE talking to sales representatives, customer service representatives, and the like. So I was dreading making this call. But as it turns out, I couldn’t have been more wrong! The CreditRepair.Com team was an absolute pleasure to talk to! A lovely representative called me up and we chatted about the situation in New York City before getting down to business. Starting the process was a breeze and took literally 5 minutes. I simply had to provide my name, address, and the last 4 digits of my social security number, and the representative was able to pull up my credit report and go over it with me. The service felt so personal and meaningful, I can’t remember the last time I experienced that with a company!

Challenging Negative Items on Your Credit Report
The next step would be to select a negative item on your credit report to challenge. The CreditRepair.Com team will ask you (by phone or email) for the rationale behind challenging the item from a list containing items such as “military duty, illness, etc.” And that’s it! From there, the CreditRepair.Com team will challenge each and every negative item you request them to challenge on your behalf. Bureaus then have 30 to 45 days to respond to the challenge and to prove the accuracy of the item reported or they are required to remove it.
Note that in the case of many competitors, you would be sent the forms to challenge the negative items and instructed to challenge them yourself. I don’t know about you but for me that would be a huge hassle and extremely stressful! CreditRepair.Com, on the other hand, takes care of all the challenges for you. Other than providing the rationale for the challenge, you can simply sit back and relax. No need to fill out and mail you own challenge letters or anything.
A negative item on your credit report can be challenged once every month. If an initial challenge is unsuccessful, the CreditRepair.Com team will ask you for more input to support the challenge so they can create a new plan for your unique situation (which they call your “Credit Repair Game Plan”). From there, the CreditRepair.Com team can simply keep going and challenging the negative items until they are removed or substantiated. Once items are removed, people can see the impact on their credit score, which is truly incredible.

CreditRepair.Com Pricing & Technology
In terms of pricing, CreditRepair.Com has pricing tiers based on the number of items to be challenged per month. Depending upon the package you select, the CreditRepair.Com team will challenge one third of your negative items or up to 4, 6 or 8 items per month per bureau.
CreditRepair.Com’s technology provides members with a personal online dashboard, a credit score tracker and analysis, creditor and bureau interactions, text and email alerts, mobile apps and credit monitoring. I love that the site is extremely user friendly and easy to understand.
With that, your credit repair journey can begin!

You are More Than Your Credit Score
Remember, your credit score is not written in stone, and you are more than a credit score. But your credit won’t fix itself. Get help from CreditRepair.Com today with a free consultation and kickstart your credit repair efforts. I, for one, can’t wait to see the results!
Follow along with my credit journey over the next few months, and stay tuned for an opportunity to start your own credit journey!

Disclosure: This is a sponsored post written by me, @lighttravelsfaster on behalf of Credit Repair.com.
~Eileen Rhein, esq. from @lighttravelsfaster
This was very interesting and informative post! Thank you for sharing your experience and your thoughts! I truly believe that this service is absolutely worth it, and they are great opportunity to make some of our ideas to become reality! 🙏🏻🌟🤗
Author
It’s my pleasure!
Good credit score is so important!
Author
It sure is!
Thank you so much for this extremely useful post! Credit Repair is the company to trust 👌🏻
Author
I’m glad you enjoyed it!
Good credit score is very important!
Author
I totally agree!
What a positive and informative post about credit! I’ll pass this information on, especially to those I know with student and credit card debt!
Author
I’m happy to share!
Amazing detailed post. Thanks for the advise. Will keep that in mind.
Author
Happy to help!