eCreditAttorney
eCreditAttorney is a credit repair company based in Winnetka, California. They have been in business since 2003 and at the time of this review have a “B” rating with the California BBB.
From the information at their website, they charge a flat monthly fee of $29/mo for unlimited deletions and disputes and clients can cancel the program at any time. This makes enrollment very easy and a very small financial commitment. However, this same low cost is what we feel makes this a program that is not in the best interest of those signing up. Because the cost for services is so low, the company is not going to go into full-out battle mode to clean up your credit. They are going to take their time and work very slowly, just a couple trade-lines at a time, to keep you a paying member as long as they can. By delivering some minimal level of service, they are fulfilling their obligation. The real mismatch here is that everyone who is seeking out credit report repair, is looking to clean up their credit as quickly as possible, not drag out the process for 18-24 months. The credit repair program offered by eCreditAttorney is the slow boat to China for credit repair.
In the long run, you may be paying only $29/mo, but if you have to remain paying for a very long time to get any significant results, you may not be actually paying less. In fact, you may be better off to pay 2 to 3 times more and get your credit cleaned up quickly because you can save thousands per year in interest with better credit.
In most cases people are working to improve their credit to purchase a home, or obtain credit for specific purpose quickly, but if you are truely looking for cheap credit repair, and don’t care how long it takes, and don’t care that you may be spending more in the long run, eCreditAttorney seems to be a reputable company to work with. You have to also keep in mind that since they have over 20,000 clients (according to their website), they are using a cookie-cutter approach to credit repair when you situation may require a more individualized approach to see optimal results.
On April 21, 2009 ChoiceREVU Editor wrote:
Because eCreditAttorney has a very low complaint record and a solid “B” rating with the BBB, we are giving them relatively high marks.
We caution those that are really wanting to clean up their credit quickly and need an individualized approach, that this may not be the best choice for you.
On September 23, 2009 John w wrote:
I have contacted ecreditattorney 3 days, no one will answer the phone they tell you to leave a detailed message, and they will get back to you right away, define right away, what kind of business want even answer the phone. They only answer if you say I am looking to join your outfit, then they answer.
On September 23, 2009 Laura Smith wrote:
I have contacted ecreditattorney for 2 days now, I cant get anybody on the phone, their answering machine says leave a message and we will promptly get back with you. Why want they answer, so I called back and picked option one as a new customer and they answered. Who is in charge? Don’t you care about how the public see’s you, once they have your money, you are just a number, I don’t know what to expect with my credit repair, I will give it 3 months and see.
On January 14, 2010 jordan wrote:
I have been paying these guys for 4 months and nothing has changed on my credit report yet. I call and no ones gets back to me, I send an email and they respond as if they are brain dead.
On January 14, 2010 ChoiceREVU Editor wrote:
We are lowering our ratings for this company due to the large amount of negative consumer feedback we have received about this company. The most common complaint is that they cannot reach anyone and messages are not returned.