Experience with AAA Credit Repair

R

Roberts

Member
I’ve been working on rebuilding my credit and recently came across a company called AAA Credit Repair. I’ve seen mixed reviews online so I figured I’d ask here to see if anyone in the community has worked with them directly.

I’m currently sitting around the low 500s and trying to get to at least 650+ over the next year. My credit history includes a few collections mostly from old utility bills and a medical account. I’m familiar with things like secured credit cards and pay-for-delete strategies but I’m looking to see if a professional service might speed things upif they’re legit and effective.

If you’ve used AAA Credit Repair, what was your experience like?
  • Were they transparent and responsive?
  • Did they actually help remove any negative marks?
 
I worked with AAA Credit Repair back in 2023. They were able to get two old medical collections removed from my report, but it took around four months. It wasn’t some overnight miracle but they were upfront and transparent throughout the process, which I appreciated.
 
Any company asking for payment before doing any work is a major red flag . Take some time to read the Credit Repair Organizations Act it lays out your rights. Always protect yourself first
 
It’s not always a scam some upfront fees are legit and go toward things like pulling your credit reports and onboarding. The key is to read the fine print carefully so you know exactly what you’re paying for
 
I’ve heard a mix of reviews about AAA some folks had success, while others said they got ghosted. Personally, I’d rather put that money directly toward settling collections instead of taking the risk.
 
If a company can’t clearly explain their process in a way that gives you more value than a quick Google search that’s a hard pass from me
 
Some utility companies are still open to pay-for-delete agreements, even if they’ve already sold the debt to a collection agency. It never hurts to ask you might be surprised
 
Not necessarily specific to AAA, but my cousin did use their services and got three negative items removed. That said she also ended up enrolled in a subscription she wasn’t aware of so just be sure to read all the terms carefully
 
Any company promising “fast” credit repair is selling false hope. Building credit takes time—just like trust... or a really good pot of chili
 
I worked with AAA Credit Repair for a short time. In the beginning, their communication was actually pretty solid they were responsive, explained the process clearly, and seemed on top of things. But after about two months they stopped reaching out and basically went radio silent. I had to follow up several times just to get updates.

To their credit, they did manage to get one negative item removed from my report, so it wasn’t a total loss. Still, the lack of consistency and follow-through left me feeling unsure about continuing with them long-term. If you’re considering them, just be prepared to stay on top of things yourself.
 
Can we talk about how almost every credit repair site seems to use the same recycled stock photos? It's always the overly enthusiastic person in a headset, smiling like they just solved world peace.
Like, come on no one believes you're actually “Jasmine from the Client Success Team” sitting in a white office with perfect lighting.
If your service is legit, maybe try being a little more original with your presentation. The fake-friendly stock model vibe doesn’t exactly inspire trust
 
I work in collections, and trust me some accounts are just incredibly stubborn.

It doesn’t matter if you’re working with AAA, a credit repair company, or even a lawyer some debts just won’t budge.

They sit there unresolved no matter what approach you take
 
I managed to turn my credit score around by paying off my Capital One card and, yes, selling feet pics on the side. No regrets, no shame. Honestly, sometimes you’ve got to get creative when traditional methods aren't cutting it

I saw an opportunity, took it and used the money to clear my balances and start rebuilding. Credit repair isn’t always glamorous but it’s about doing what works for you
 
Did they mention how many disputes they actually send out each month?
Some credit repair companies only send one or two disputes at a time on purpose not because it’s more effective but so they can stretch the process over several months and keep you paying longer.
It’s a tactic some use to make the plan look more “comprehensive,” when really, they’re just slowing things down.
 
Credit Karma is a great starting point it’s free and gives you a clear breakdown of what’s helping or hurting your score. It shows areas like payment history, credit utilization, and account age, so you know exactly what needs attention.

Pair that with a secured credit card, and you’ve got a solid foundation to start rebuilding. Make small purchases, pay them off in full each month, and keep your utilization low. It’s not an overnight fix, but if you stay consistent and keep monitoring your progress through tools like Credit Karma, you’ll be well on your way to boosting your score.
 
They tried to sign me up right away without even reviewing my credit report. Like... seriously? You don’t even know what kind of financial chaos you’re dealing with yet and you’re already pitching a monthly plan?

That was a huge red flag for me. Any legit credit repair service should take the time to actually understand your situation before offering solutions. If they can’t be bothered to look at your report first, how are they supposed to help you fix it? Feels more like a sales script than actual help.
 
Medical debt under $500 shouldn’t even be showing up on your credit report anymore, thanks to recent changes in reporting rules.
Before you spend money trying to get it removed, double-check your report it might already be gone or shouldn't be there in the first place.
 
This is exactly why I’m so cautious about trusting anyone with my credit information. You’re not just giving them numbers you’re handing over a piece of your financial future. One wrong move could set you back for years.
 
Medical debt under $500 is no longer supposed to appear on your credit report due to recent policy changes. Make sure to double-check your report before paying anyone to remove it you might not need to take any action at all
 
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