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Credit Aid: “Bad Credit” Repair Software — 20 Comments

  1. I love the Credit Aid sign, it is like a band aid for your credit. The fact that up to three people can get the help they need to repair their credit with the one time payment of this product is really good. If you know of two other people that need to repair thier credit perhaps you could split the cost with them making it only about $10 each. That is a very low cost for a very valuable tool. I like that it gives you some training as to what to look for as errors on your report.

    • Hi Andy,

      That is a catchy logo! Yes, you can have three people use the program and split the cost among you. And as you noticed, it gives you tips on how to improve your credit rating. That’s the beauty of the software, it gives you ideas that you may not have thought of. When you think how valuable good credit is, the cost is nothing! 

      Thanks for stopping by! If you have any questions, I will be glad to help. 

      Chas

  2. Thanks for bringing this awesome post to me at the point I need it I happen to have a poor credit history and find it difficult to do something good like purchasing an asset, is this product going to be of help to me and also does it support all countries? 

    • Hi Seun,

      I am glad to be of help to you! Now, I am not sure about support worldwide, you will have to contact Credit-Aid and make sure. It may be based upon American rules and regulations.Thanks for the great question!

      Chas 

  3. Thanks for this helpful review.  I wasn’t even aware there was software to help someone do it themselves.

    Having form letters and a tracking system can be of great help.

    I like that up to 3 people can use it vs having to buy a license for each one.

    I see you also have a best credit repair recommendation.  Might you have a side-by-side comparison of the two?

    Thank again.  I look forward to your response.

    • Hi Merlynmac,

      I am glad you found my review helpful. this software is great for giving you a plan. You have a good idea with the side by side comparison, will have to consider that! Thanks for the suggestion!

      Chas 

  4. I’m actually really happy I came across this article, because I used to have an amazing credit score, and then some things happened in my life, and now my score has dropped drastically.  I honestly don’t mind putting in the work, and if this is going to give instructions and templates for letters, I think under $30 is an amazing price.  I appreciate you posting this article, and I’m excited to give it a try.  You stated also that you can do up to three people?  My daughter also needs to get her score up, so maybe we can work through the process together.  Thanks so much, Chas!  Much appreciated!

    • Hi Babsie,

      You will like it. It make it much easier. Well worth the price for sure.Yes, you can repair credit for three people! I am glad you found it useful, and I am sure you will find it very helpful.  Thanks for reading my review.

      Chas

  5. Hey Chas

    Thank you for recommending this Credit Repair Software – Credit Aids – a low cost software but effective in improve your credit score. If you have a poor credit score,  it’s difficult to restore the score by yourself although it’s possible. You will not be able to obtain any loans from any financial institution until your FICO score improve. That’s why you need this type of tool to help you in removing negative items with automated dispute letters, negotiate with creditors and keep things organized.

    FYI, l have a dispute over a credit card issue resulting l was blacklisting but the card issuer never inform me until one day l apply for a mortgage. I was declined and felt embarrassing. Immediately, l called up the card issuer and settle the case amicably.

    I have bookmarked this site for future reference.

    Best regards

    Shui Hyen

    • Hi Shui Hyen,

      You are welcome! I hope you find it useful if you decide to use it. The software makes the chore so much easier, and I can’t keep track of my car keys half the time, let alone a credit repair program. Sending letters and waiting for replies, then answering right away with the correct letter…This is so much easier.

      If the credit issue is old, then it is simple. But, if you are trying to remove current valid non-payment complaints, this will help! The process is more difficult, and harder to achieve. Thanks for stopping by and leaving a comment.

      Chas

  6. While credit repair is great and while it works, my preference is keeping credit cards profile very thin. Meaning keep credit card activities at a minimum. I also use credit card or ATM cards that have the least value in it. This way the repair thing is avoided. 

    The article is for us who have been hit by credit card disasters hard. It is very helpful and constructive. Great knowledge base to have just in case!

    Thanks for the great share!

    Joe Joson

    • Hi Joe,

      I agree with you, I try to pay each card off every month, even if it is a couple hundred dollars. I saves in interest and keeps my mad money for me. I just had a truck repair bill of $750. I will pay that off in two months, normally.

       But this time of year is tough with Christmas just around the corner. So, I will carry a higher balance now, and may take a few months than normal to pay it off. Normally I pay half, or a third of the bill, and if i am really hurting, I pay triple the minimum payment. Works great for me.

      Sometimes people just can’t pay or won’t pay…maybe they feel the got ripped off and refuse to pay the bill. Thanks for stopping by and leaving a comment.

      Chas

  7. From what I have understand, it takes up to 7 or even 10 years to have bad marks removed from your credit. By writing letters each month, can one reasonably expect to get their credit issues solved in 1 or 2 years? I want to see what a realistic timeline is since you said it is not going to happen fast.

    • Hi Jessie,

      Actually, yes you can speed some thing up, and get them cleared up in a few months. But it is mostly mistakes, or information that has been on file too long and should have been removed. I sent letters years ago and asked creditors to remove stuff, some will, some won’t. Bankruptcies stay on seven years…and they may have increased that time lately. It does take 3-6 months to get stuff cleared up, sometimes longer to try to persuade creditors to remove stuff. Thanks for stopping by and leaving a comment.

  8. Hey Chas,

    I’ve made some bad decisions in my life when I was young, my bank chequebook was stolen and the thief used it to scam other people. He used it to convince investors to bank in large sums of money to him and he used my chequebook to pay for them and when I didn’t have cash anymore, the cheque got rejected and I got penalized AND losing all my money.

    I almost got barred from all the banks because of his actions until I made a police report but I still got that low credit score which worries me. Does Credit Aid apply for this type of situation?

    • Hi Riaz,

      I would give them a call and ask them before I bought the product. I depends on how long ago it was. After seven years everything is supposed to come off. That is what you can correct yourself any old data that remains on your file. But it is a pain to keep track because you have to keep sending letters like a schedule. They don’t make it easy for sure. However, that is what this software is good for. it helps to keep you organized and makes it easier. I hope that helps. Good Luck!  Thanks for stopping by.

      Chas

  9. Thank you for this very informative review of the credit card repair software. For many who have poor credit, this could be the answer to their problems. It is hard to buy a house or a car with poor credit, so this could help those who need help with their credit rating. Are there any before and after results from users of this product that you could share with us?

    I have bookmarked this site so I can learn from the awesome information you have here.

    Steph

    • Hi Stephanie,
      I am glad you found the information useful and hope you share it with others! It is a cheap and affordable solution for people who have a bad credit rating. To be able to buy a new car or home could impact someones lives tremendously, and give the the helping hand they need. One of the many testimonials says “Dave Goodman of Phonex,AZ raised his score 237 points. So you can see it does work! Thank you for your interest and please share this information with others. Thank you Stephanie
      Chas

  10. Hey,

    Pretty interesting and simple product. I like it. I think a lot of people face bad credit these days and fall into a trap they find hard to get out of.
    This could actually be quite useful for some. I think most people need to set themselves some sort of boundaries to avoid bad credit.
    Nice review!

    Esteban

    • Hi Esteban,
      The product is simple and easy to use, and affordable for most even if money is tight. I am glad you like the product and hope you share this information with others. Bad credit is a growing problem people face today because of the sluggish economy we have now. I hope it will help someone get their credit repaired to the point of making a difference in their lives by allowing them to get that new car they need, or the new house. Thanks for taking the time to read my review.
      Chas

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