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Credit Repair Magic Review — 38 Comments

  1. Hi,

    Thank you so much for this review. I have a friend that is looking to use something like this because he went to an attorney but the fees were too high. However, I decided to do some research for him. I see that it is easy to use and it’s not an e-book but rather multimedia. Which will work great for my friend because he travels a lot. I am going to send him the link to your review so that he could look into this to repair his credit. 

    • Hi Nia,

      Thanks for the kind words. I am glad you found it helpful. it is software that you use with your computer to help organize everything, give you the correct forms and saves all the searching the internet to find something you can print out. Thank you for recommending Credit Repair Magic, He will not be sorry if he decides to use it.

      Chas

  2. I am finally getting back on my feet and now am looking to try and repair the damage that was done to my credit. I was hesitant to join any credit repair systems as you never really know if you can trust them or not. It’s bad enough that your credit is shot but to have to worry if the company is a scam just adds more stress. Thank you for your review and the reassurance that Credit Repair Magic is legit. 

    • Hi Wendy, 

      You are welcome.They are a legitimate company. I went through bad credit myself and it is a real pain! I wish I had this program to help me repair my credit! Thanks for the comment and come back.

      Chas

  3. I don’t think the cost is outrageous or anything of the sort. This would be great for those in my generation as many of us will find ourselves in credit trouble. This program would be my go-to route if I ever found myself in need of credit repair and I agree that it’s a much more cost-effectie alternative than going through the legal process. 

    • HI Todd,

      It is a bargain if you value the time and effort required to research and fix your credit on your own. Thank’s Todd, If you decide to use it, you will not be disappointed! 

      Chas

  4. Credit repair magic definitely sounds like the real deal to me. Just from browsing your (awesome!) review and reading the comments – I’m sold. Tackling a bad credit situation is hard enough and sometimes you need help. That’s where a company like this can apply the right muscle to get the job done. Awesome review!

    • Hi Dave,

      You are right, it is the real deal. In fact, you are getting as a bonus, $321 of extra products, all designed to help repair bad credit. It’s a bit of a bang for the buck, and you can’t expect anyone to just give a good product away.

      The muscle they apply is in help to repair your credit.

      Thanks for leaving your great comment Dave,

      Chas

  5. With a credit score being a vital issue with everyone these days, it just makes sense to be on top of one’s credit.

    I believe that a lot of younger folks have not been taught how to manage their finances and with all the credit card companies out there that just want your business, it’s extremely easy to over-extend.

    Credit Repair Magic, even though a little on the expensive side,is a great way to re-build one’s credit and improve their scores. I do believe that the cost of this program would be worthwhile to anyone trying to improve their credit.

    Thank you for this article.

    Karen

    • Hi Karen,

      Credit is so important, we have to be able to get the best score possible, especially in the less than ideal credit situations. In order to do it you have to have the information and know how to apply it.

      This program might seem a bit expensive but you are getting $321 in bonus products that are all geared toward helping repair credit. So you have great information and a good platform to organize your efforts. How much is a time saver and information at your fingertips worth.

      Thanks for your great comments Karen,

      Chas

  6. Hi Chas

    Should a problem arise to do with my credit. like maybe my score was to low and I was denied a loan this repair system could be very helpful when trying to get approved. Does it come with a one hundred percent money back guarantee.

    Thanks for the information on credit repair magic

    • Hi Freddie,

      It does take some time to clean up your credit, so maybe 6 months or a year later it will improve you score.Then you will have better success at getting a loan.

      The program has a 60 day, 100% money back guarantee thru Clickbank.

      You are welcome, and I hope you find it useful.

      Thanks for the comment Freddie,

      Chas

  7. I currently have bad credit and I’ve looked into ways to improve it, but haven’t found the solution so I will be checking into. I know one thing is for sure the $97 is nothing compared to the  bad credit interest rates that I have to pay for buying a car. I don’t know if everyone know how much extra interest people with bad credit pay but it feels like being robbed. Thank you for the credit repair magic review, it’s great to be able to know if a company is a scam or real.

    • Hi Lance,

      You are a person who totally understands the value of good credit! I makes a huge difference for sure. You may be able to refinance for a better rate if you have been paying for awhile. This would help clean anything that hurts you off your record.

      You are welcome, this is not some scam. It works! Because it give you organization and make you more efficient and on time.

      Thanks for the comments Lance.

      Chas

  8. Credit is so easy to wreck and so hard to get back.  One negative mark can drop you many points and believe me you need to work 10 times as hard to get those points back.

    Im glad you confirmed this doesn’t guarantee anything.  Its really a virtual assistant to get you organize and get you doing the right things to repair your credit.

    This was a great article and something like this, Im sure can help a lot of people.

    • Hi Dale,

      So true. My wife used to mock me and say, “your precious credit” because I paid on time! Now, we are divorced and she has terrible credit. Great credit is “precious”.

      Yes, Dale this only aids you in the long process, but good organization works like paying on time. It makes a difference. Things like that help shorten the length of time it takes for your credit rating to improve. Once it improves, you get improved offers for credit.

      Thanks for your great comments Dale,

      Chas

  9. Hi Chas. What a great and informative article. Thank goodness I do have good credit – I must, the banks keep increasing my credit without me asking. I make my final payment on my car December 4th and I had to call into the finance company a few months ago. The first thing they said was “Wow, you have never missed a payment! That is awesome!” But I have to tell you it wasn’t always this way. I had many struggles in the past and worked really hard to get it where it is today. 

    This tool might have been very beneficial when I needed it and I might not have had to work so hard. Thanks again.

    • Hi Mary Ann,

      If you are dealing with banks, you have good credit! I have also had some tough times with credit! One thing that helps rebuild it, after you get it cleaned up, is a new car loan. And, never missing a payment till it’s paid off!

      It is not an easy task to rebuild credit, and I try very hard to keep that way myself! In fact I constantly pay off my credit card every month, unless I have an emergency expensive car repair, then 3 or 4 payments tops! I always keep using them, but paying them off as well.

      Thanks for your great comments Mary Ann,

      Chas

  10. Can credit repair software be used world wide or just in certain countries as I know some people here in new Zealand that could really benefit from getting their credit score cleaned up a lot and i would be really grateful if you knew this information

    Thank you and I look forward to your reply

    • Hi Vicky,

      It is a downloadable product, so I don’t know of any reason why it would not be. Does New Zealand have any specific internet restrictions? It is also sold thru ClickBank. Do you have any issues with purchasing Clickbank products? As far as I know it is an international product, and not restricted to the USA.

      Thanks for your great question.

      Chas

  11. Thank you for this great post. You have outlined the different options for repairing your credit score very nicely. I think that credit repair magic sounds like it is worth the extra cost for getting it done quickly and properly so thanks for taking the time to share your experiences 

    • Hi Chris,

      You are welcome. It is a great help and organizes everything quite well. Plus, you get the value of $321 in bonus products added in for free.

      Thanks for the comment!

      Chas

  12. Thanks for including information about Credit Repair Magic.  It’s great to know that it was created by people familiar with the credit industry.  I agree that hiring an attorney to help would be lots more expensive than $97.  Can you tell me what the 8 bonus programs are designed to do.  That would make it easier to decide to spend the $97 for the program.  Thanks for bringing this product to my attention.

    • Hi Nancy,

      You are welcome. The bonus programs are listed on the description of the product. 

      #1 Credit Expert Audio Program- cost – $87

      #2 Increase Your Credit Score by 140 pts – cost – $35

      #3 Settle Your Debt for Pennies – cost – $39

      #4 Five Ways to Get a Free Credit Report – cost – $19

      #5 Postpone Mortage Payments up to a Year – cost – $49

      #6 Improve Credit Scores by Increasing Credit limits – cost – $59

      #7 Improve Credit Scores by Adding Utility, Rent and Unreported Items – cost – $39

      #8 Improve Credit Scores by lowering Credit Card Interest Rates – cost – $39

      Total – $321 Total Value

      So, you get all those bonuses as well for $97

      Hope that helps to make up your mind!

      Chas

  13. Been able to figure out ways out of a credit problem is no easy task. A lot of people have trouble doing that and most times it just makes more sense to leave it at the hand of a professional. But like me I don’t really like paying someone to help me solve my money problems. I do like to figure it out myself.

    I have never tried making use of a software to clear my credits but I have seen some people that have given it a try. I would need to do more research on the credit repair magic software program to see if it can be of any assistance to my credit issues. Thanks for sharing

    • Hi Jay,

      Some people get into a mess with lot’s of credit card debt and loans. It get hard to keep it all straight when you are trying to get creditors to forgive the debt. It is not an easy task to clean up you credit, and it has strict dates to follow.

      It doesn’t sound like this is needed by you, but others are not so fortunate. Maybe you will hear of someone who needs the help, and you can pass the information on.

      Thanks for leaving the great comments.

      Chas

  14. I’ve had credit problems in the past and it’s no fun. I recently joined a program that got me out of debt and helped me a lot but I also retired, sold my home, moved to Florida and too the extra cash to pay off the debt.

    Credit Repair Magic is a new one for me. I’ve never heard of it.But it doesn’t seem like a scam to me. It’s just that you have to join and pay $97.

    So for the money, would your credit be fixed, how long would it take, and is the $97 a one time fee? If it is, it’s a lot cheaper than the program I had joined!

    • Hi Rob,

      This isn’t some instant magic fix. it is a tool the helps with the credit repair process. It has instructions, forms and a detailed schedule on when to do what. I did it on my own years ago, and I had to go to the library, look up forms, copy them, go home fill them out, and send them out at the right time and so on. 

      I had about 5 different creditors to work with, it was a nightmare. If someone is trying to eliminate say just one creditor, then save the money and go to the library or you can search the internet. For a hundred bucks, I wouldn’t waste my time. It’s up to you! The Magic is in the easy organized way you get the job done. It’s no scam.

      I hope that helps?

      Chas

  15. That is so funny that I ran across your post today. I was just talking to a friend  that is a broker and asked him about this exact thing. A friend of mine is trying to clean up her credit of things that have been on there for years so that she can buy a house. I know you said a con was the price, but honestly I think paying less than a hundred bucks to have her credit cleaned up is amazing. I’d seen this system before and was curious about it so thanks for clarifying that this system is legit!

    • In all honesty, I agree with you. For a hundred bucks, you get a complete kit, forms you need, instructions, and schedule of mailings, all organized for you. If you ever tried to fix your credit, it is a bit of a pain in the butt. You have certain deadlines, for mailing responses, and if you have several creditors you are dealing with, it gets confusing real fast. This product wasn’t available when I was doing it, and I can tell you…it would have been well worth it! 

      Just understand this isn’t some magic fix, you have to fill out forms, and sign letters and send them to creditors. All the forms are there. 

      When I did it on my own,I had to go to the library and research what I needed, make copies, ect. A lot of work. This eliminates all that. No scam…Just a nice tool to help you.

      I hope that helps.

      Chas

  16. Interesting. I’m curious to see how much faster one can increase their score with the program compared to if they did it on their own. It would also be interesting to see why can be done above and beyond the basics that most people are aware of. 

    I’m currently building my credit, might not be a bad idea to look into this further. 

    Thanks for the review

    Christine 

    • Hi Christine,

      It will make the organization of your schedule of letter writing much easier. Since it takes almost a month for each letter and awaiting a response, you tend to forget which letter you sent and which one you need to send. it is a process. If you don’t know the process of repairing your credit, this will definitely help. But, you can find out on your own as well. The information is available, the credit agencies will tell you how to dispute items on your file. Thanks for stopping by and leaving a comment.

      Chas 

  17. Thank you for this review.

    I had an experience a few years back where my bank manager told me a credit card company had put a black mark on my credit file.  It actually related to an automatic payment which continued to be taken out of a cancelled card. My statement changed to the new card and did not show any issue.  

    I had a heck of a hard time convincing them that I did not know anything about the outstanding amounts. They finally sorted it and transferred the outstanding amount to my current card and all was sweet.

     At a time like this, I certainly could have used the help and assistance of Credit Repair Magic. If not for my bank manager at the time, knowing that I would never have allowed an outstanding amount to happen, I would have been none the wiser and could have been refused credit at a later time.

    It sounds like Credit Repair Magic could act as a preventative measure as well – to stop a bad credit before it happens. Is this the case?

    • Hi KerryAnn,

      You are welcome. You had an exceptional situation, but one that may have been helped by credit magic. Most of the time this software is for the college kid who ran up a bunch of credit and just defaulted on everything and stopped paying. If it is a few years later, that helps too. 

      I don’t know if it would be a preventive, other than to help you learn what not to do the next time? Thanks for stopping by, and leaving a comment.

      Chas

  18. Do you literally mean repairing my credit report so that I can qualify for a loan or something like that? How does that happen? This sounds amazing and I didn’t know anything like this existed.

    Thanks to the technology which has really providedus with all sorts of benefits and solutions. I will bookmark this post for further reference because am sure I will need it in the near future.

    I guess I need more follow up articles from you to understand how this software exactly works.

    Best wishes 

    Paul. 

    • Hi Paul,

      Well not exactly! They make it sound like that, but all it really is ..is organization for your records, and keeping everything on schedule. It is a process you have to go through..you send a letter, then another different letter in a month, then a different one the next month…depending upon the responses you get, some things can be removed from your file. Things like bankruptcies, will not be removed. It is not fun, but it will raise your credit score. Thanks for stopping by and leaving a comment.

      Chas

  19. Thanks for writing such an interesting and informative article. I did not know such a service even existed. Thanks for bringing me up to speed. It is good to know this option exists as when you do want a loan or line of credit you need good credit. It can take forever to track down what is effecting your credit. Keep writing good articles with lots of information.

    • Hi Ruth,

      You are welcome! I am glad I was able to introduce you to credit aid. Absolutely, it helps to clear things up, but it takes a few months. So, if you want that loan, you have to start 3 months earlier.Well, whe you get the copy of your credit report, it is on their. Then, it is just a matter of contacting everyone and basically begging them to remove the bad stuff. Thanks for the kind words, and thanks for stopping by.

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