Simple Repair Services

Simple Repair Services: Credit Repair with Full-Service Dispute Management

Simple Repair Services is a credit repair company serving clients nationwide. Its service focuses on disputing inaccurate, outdated, or unfair items appearing on credit reports—work that, according to its presentation, it handles from start to finish without the client having to deal with the paperwork.

How the Process Works

The starting point is a free consultation. During that call, the team reviews the client's situation, obtains their report, and identifies which items can be addressed, with no commitment and no hard pull. From there, the company sends dispute letters to the three major credit bureaus: Equifax, Experian, and TransUnion. The team tracks every response and follows up until items are resolved. As items are removed, the score improves and the client receives regular progress reports.

The Cost of a Low Score

The company illustrates the impact of credit score with a comparison example between a 620 profile and a 780 profile. For a $565,000 30-year mortgage, the monthly payment would go from $3,880 at a 7.3% rate to $3,618 at a 6.6% rate. On a $50,000 60-month auto loan, the payment would drop from $1,051 at 9.7% to $930 at 4.6%. According to its calculations, that difference exceeds $4,600 a year and $100,000 over the life of both loans, with the same house, the same car, and the same lender. The company itself clarifies that these are examples based on national average rates by score tier and that the actual rate depends on the lender, down payment, debt-to-income ratio, and full financial profile.

Situations Addressed

The service is aimed at people who have been denied a mortgage or auto loan, who have been approved but at a high rate, who have been asked by a landlord for double the deposit or told no outright, or who have been denied a credit card. It also handles cases of collections on the report that the client does not recognize, old debts, mixed-up accounts, or errors that were never theirs. The company also notes that many DIY dispute attempts get lost in bureaucracy and that some credit repair companies send the same generic letter to every client.

Results Shown

The website presents results from real clients, with identifying information removed and shown with permission, broken down by bureau. Examples include average increases of 124 points (Michael), 102 points (Bobbie), 81 points (Ashley), 69 points (Jorge), 45 points (Thomas), and 37 points (Lance). In each case, the starting and ending scores are detailed for Equifax, Experian, and TransUnion. The company warns that individual results may vary based on credit history and the specific items on the report.

Scope of Service

Simple Repair Services presents itself as an official credit repair partner and serves clients nationwide. Its offering combines full dispute management with the three bureaus, tracking of responses, and regular communication with the client about the progress of their file.