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.