eCredit Advisor Review

Estimated read time: 6 minutes

The Plight of Home Buying

One third of Americans today rent their home. Though there are a number of benefits to owning a home in comparison to renting, Some people struggle either because they don't understand the home buying process or they are limited by financial factors.

Owning a home can give you a sense of accomplishment and enables you to build equity and create generational wealth for you and your family. Have you ever tried to buy a home? Are you thinking about it? If so then there are some key things you need to consider, most importantly your credit score.

person standing with large calculator in front of house

The Importance of Credit Score

Credit score is one of the most common reasons why home buying fails in the underwriting process. A low credit score might indicate that you are a high-risk investment who may have trouble making on-time payments or handling the financial responsibilities of the loan.

What if my score is too low to be approved for buying a home?

The good news is that with today's accelerated information technology you can feasibly make significant changes to raise your credit score typically within 5-6 months depending on several factors. The better news is that is here to help you do just that. has over 14 years experience with helping their customers prepare for the home buying process with credit counseling. But it doesn’t end there, a healthy credit score can help you achieve your goals in many other ways like auto loans or personal loans while opening access to better interest rates.

customer getting assistance with representative in office setting

What are the benefits of

Consultations are always 100% free! They will help you map out an expected duration time to achieve your goals before enrollment. has doubled the speed of the competition with customers seeing an average of 20 points increase per month. At that rate you might be ready to purchase your new home, new car or get a personal loan faster than you ever thought possible.

They offer lowest rates of any credit counseling service and back it up with a 100% money back guarantee if you do not see score increases in the fastest time possible.

What people love about it

Customers can’t say enough about the team at Review after review of testimony talking about how comfortable they felt with their dedicated credit coach. Customers say that the team at are honest and sincere and don't prioritize making money over customer experience.

Loan Officers confirm that does everything it can for their clients and the results are astounding. Helping people realize their dream of owning a home is the best part of their job and gives their clients HOPE.

mutiple arrows pointing customer in right direction

Biggest Consumer Complaints

One thing that consumers should be aware of is that when you sign up for services you are entering into a “partnership” with your dedicated credit coach. Which means that some steps to your credit recovery will have to be taken by “you”. For example, you might need to ease your spending habits or apply for new lines of credit at the proper time. All of which will be mapped ahead of time by your credit coach, but deviations from that plan may affect the timeliness of your results.

How the company works is one of the most trusted credit repair providers in the mortgage industry. They have developed relationships with over 10,000 loan officers as well as partnered with the nation’s largest home builders. Their proprietary technology enables partners to track the progress of clients throughout the credit restoration process and enables complete visibility into the coaching they provide.

After the initial free consultation, eCreditAdvisor’s team will provide you with an estimated duration to reach your credit goals before you enroll. A one time payment of $99 sets up your file and starts our engagement with the credit bureaus on your behalf. Then $99 per month after that with a max of 6 months to resolve. No additional charges incur for complex situations requiring more than six months.

Should they fail in their service and no credit score gains are realized, all funds will be returned to you.

Frequently Asked Questions

What makes eCreditAdvisor unique?

Speed & Results – In 2015, home buyers completing the program average a 75 point increase to their credit mid score. Average time to complete the program took only 4 months.

Personal Credit Coach – each client is assigned an advisor to assist them through the credit repair process. They meet with clients at least twice a month to provide status updates and help guide decisions on financial matters.

Transparency – during the free consultation, they provide a written estimate of the expected credit score improvements as well as the time required to reach your goal. As a client, you will also receive access to an online account that tracks your progress through the credit restoration process.

How long does it take to repair my credit?

It depends… Credit reports are like fingerprints; each profile is different. Clients typically spend 4 to 5 months in the program. An advisor will review your credit reports and provide an accurate timeline for free.

What if there are inaccuracies in my credit report?

The law guarantees your right to dispute inaccurate information on your credit report free of charge. If you find an error in your credit report, simply call or write to the credit bureau. The bureau will check with the source of the information and send you an update. The dispute process can take up to 30 days. If you still disagree with the information, you can add your own statement to the credit report

Will I always have to deal with a low credit score?

No – just the opposite is true. A credit score is a "snapshot" of your risk at a particular point in time. It changes as new information is added to your credit bureau files. Your credit scores change based on the way you currently handle credit. In other words, historical credit “hic-cups” impact your score less as time passes as long as you establish and maintain healthy financial habits.

(Final Thought) Bad Credit Doesn't Have to Last Forever

eCreditAdvisors offers a unique approach to helping build consumers’ credit scores who have a goal of home ownership. They aim to help those in need achieve maximum credit score improvement in as little time as possible, which sets them apart from other credit repair services that have much lengthier processes.

eCreditAdvisors’ services can help those whose credit scores may have been impacted by the current economic downturn, unexpected bills, or unforeseen life events. Trying to navigate the credit score improvement process can be difficult to do on your own, and that’s where eCreditAdvisor shines. They offer a free phone consultation with one of their specialists who will help put together a credit score improvement plan based on your goals.

Several features of eCreditAdvisors’ program that we feel really sets them apart include a 100% refund policy, as well as a no-hassle cancellation policy. You’ll need to review the disclosures for each of these on their website, but their main goal is to make sure you are happy with the results in the time frame expected. Additionally, they have an A+ rating with the BBB, along with many testimonials from customers who were pleased with their own results.

Editorial Note: This content is not provided or commissioned by the offer provider. Opinions expressed here are author’s alone, not those of the offer provider, and have not been reviewed, approved or otherwise endorsed by the offer provider. Every reasonable effort has been made to maintain accurate information. However, all offer information is presented without warranty. After you click on an offer you will be directed to the offer provider’s web site where you can review the terms and conditions for your offer.
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The Operator of this Website is not a Financial Advisor and does not provide debt settlement, debt consolidation, or credit counseling services. This website does not constitute an offer to settle your debt or negotiate a debt settlement. This website will submit the information you provide to third party financial services providers specializing in providing credit counseling, debt settlement, and debt consolidation services. Providing your information on this website does not guarantee that you will be eligible to consolidate or settle your debt, or that you will be offered credit counseling services. Offers and services may vary between financial services providers and based on your individual financial circumstances. For details, questions or concerns, please contact your financial services provider directly.
Credit checks, consumer reports, and other personal data may be obtained by some service providers from Experian, Equifax, Trans Union, or through alternate providers.