A credit score will determine your eligibility for a credit card, loan, mortgage, and more. Negative items on your credit history will give you a lower score, which makes it harder for you to open a credit card or get a loan offer with good terms. Furthermore, if these negative items are errors, you will want to fix those credit report mistakes as soon as possible.
CreditZO is a credit repair company that automatically identifies and disputes negative items on your credit report. Additionally, they offer credit repair advice, credit monitoring, and referrals to credit card providers and lenders that specialize in low credit scores.
Read below for more information on CreditZO so you can see if they’re the right option for you.
CreditZO Free Credit Repair
CreditZO is different compared to other credit repair competitors in the platform. Since they don’t charge a fee for filing credit error disputes on your behalf. However, you will have to pay to pull your credit report from a third party, along with a monthly fee that ranges from $14.29 to $27.99 to monitor your credit.
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| Basic | Basic Pro | Premium Pro | Deluxe Pro | |
| Monthly Pricing | $14.29 | $14.79 | $18.49 | $27.99 |
| Bureaus | TransUnion | All 3 | All 3 | All 3 |
| Credit Monitoring & Alerts | x | x | x | x |
| ID Restoration | x | x | ||
| ID Theft Insurance | x | x | ||
| Enhanced Alerts | x |
If CreditZO is successful in removing negative items from your credit history, your credit score will increase. Additionally, you will receive tips and pointers on things you can do to improve your credit score as well. It even gives referrals to financial institutions that cater to consumers that carry low credit scores or poor credit history.
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Conclusion
CreditZO is a great match for you if you have negative items on your credit report, and if you don’t want to deal with handling it yourself. Furthermore, sending disputes for you is free, but credit monitoring will come with a fee as well.
