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Aggressive Credit Repair

Work Directly with Owner

Our Score
7.1
User Score
10.0

If you’re looking for the personal touch without losing quality, Aggressive Credit Repair is your candidate.  In an industry where quality is more important than quantity Lorin Hanks (owner) has been doing it since 2004.

aggressive_home aggresive_BBB

The Good

We took some time to speak with Lorin to see if he really was as assessable as his site says he is.  Sure enough, he answered.

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Aggressive Credit Repair

BCRC Rank Monthly Price Licensed Attorneys Our Score
#4
aggressive_credit_repair-130x130
$49 No
7.1
#1
$59 - $99 Yes
9.6
#2
$89 Yes
9.4
#3
$59 Yes
7.8

Aggressive Credit Repair uses a three step process which includes: analysis, dispute, and settlement.  And since Lorin is a licensed loan officer as well, it places him in a position of knowing just what to do for individual clients.Clients can cancel anytime, for any reason and at any point during the process.  All you have to do, is pick up the phone and talk to Lorin.   Aggressive Credit Repair also boasts a guarantee as well stating that clients are eligible for a full refund if Aggressive Credit Repair isn’t able to prove results.  Aggressive Credit Repair displays a pretty impressive list of credentials as well:

The Bad

The business is operated out of a personal residence.  This doesn’t effect the quality of the service, but may be a turnoff for others seeking a larger firm.

The Bottom Line

Aggressive Credit Repair is a trusted company, and take stock in their reputation.  Hiring them for their services will come down to whether you want a large company handeling  your case, or more personal attention and expertise of a few.    Aggressive Credit Repair is a good choice for those of you looking for a dynamic and flexible company who focuses on customer service, and mortgage lending options that go beyond credit repair.

Aggressive Credit Repair operates based on a three step process similar to that of other credit repair companies.

Step #1: Analysis

After obtaining your credit report, there will be an analysis to determine what items are eligible for removal. Only inaccurate items can be removed, so any item that is a verified negative item will remain on your credit report for the standard length of time.

Step #2: Dispute Process

After determining what items can be removed from your credit report, letters will be drafted and sent to the credit bureaus. After the credit bureaus receive these letters, they conduct an investigation and then send you the results within 30 days.

Step #3: Settlement 

Once the items are removed that do not belong on your credit report, settlement will begin to make sure the items stay permanently deleted and resolve any possible debt.

My name is Lorin Hanks, owner and operator of Aggressive Credit Repair. Perhaps the best question a future customer can ask is what makes my service different. Arguably the most unique feature of this service is that you’ll work directly with me.

Here are some other unique credentials:

– Open since 2004.

– The only credit repair company to be “Gephardt Approved”.

– 0 BBB complaints in company history.

– Over 100 positive reviews on my websites “reviews” page.

– I’m a licensed Mortgage Loan Officer.

It’s vital to only work with someone who is knowledgeable. It’s important that a credit repair program have a clear path set for your specific situation. Furthermore the steps in the program should be explained distinctively (and should include an exit strategy).

Before you pay for credit repair I encourage you to contact me and I’ll explain how my simple 3 step program can fit your individual needs.

**This is a summation of the terms and services/contract details/privacy policy and is in no way a complete depiction of this company’s actual terms and services or contract. The information found below is simply additional information and commentary with the intent to help the consumer. If you wish to know the exact language of the terms of service/contract, please contact this company with any questions or concerns you may have.**

There is a money-back guarantee if you are not satisfied with the services, however, it is important to make sure you understand the terms before agreeing to service.

Aggressive Credit Repair Guarantee:

“Policy #1: You can cancel anytime, for any reason. Policy #2: At any point in the service you’re eligible for a full refund (if we’re unable to prove results.)”

What to know:

There is a guarantee, but it is important to recognize that there is a requirement before a full refund is returned to you. If you are unsatisfied with results, but Aggressive Credit Repair is able to prove results, then there will not be a full return on your money. Make sure you understand what can be done on your credit repair case before paying money. If you are unsatisfied with what Aggressive Credit Repair is willing to dispute, then you may want to consider taking on the process yourself.

Are there any inaccuracies in this review? We take accuracy very seriously and would love your feedback. Visit our Request Reconsideration page and send us your feedback today!

36 Aggressive Credit Repair Reviews

Select Your Rating:

36
0=WORST 10=BEST

* For verification purposes, please provide the email address you used when signing up with this credit repair company.

  1. User Score
    10
    Bret
    October 4th, 2014 at 8:46 pm

    Lorin did a great job for us. I highly recommend his services! He delivers on what he says he will do. He was able to help me get my credit back above 700 and get the best rates available! He is very responsive and always got back to me after I sent him new reports. Thanks, Lorin

  2. User Score
    10
    Sean Snyder
    September 26th, 2014 at 10:25 pm

    Working with Lorin makes me want to go back to Las Vegas for a few nights. That said, Lorin increased my credit score from the mid 5’s to 680. Now I can get better loan rates and easily qualify to rent an apartment. Thank you Lorin for making life easier for me! If I ever decide to get help with my credit again, I will go to Lorin at Aggressive Credit Repair. Working directly with the owner is vital to know you are getting the best. Cheers!

  3. User Score
    10
    Wendy
    June 9th, 2014 at 11:50 pm

    I was very skeptical at first, having used a credit repair service several years back that worked very VERY slow but, Lorin met or exceeded everything he said he would. Several things came off within the first 2 months, including 2 judgments! Very please with the services he provided. My scores went up almost as soon as I signed on.

  4. User Score
    10
    EH
    June 1st, 2014 at 8:40 am

    I started with Lorin and Aggressive Credit Repair late last summer after he had done an amazing job for my wife. The results were almost immediate and dramatic. My credit score increased by over 50 points within the first 90 days. Within nine months my score was up by well over 100 points. To say this was was life changing would be an understatement. Throughout the entire process Lorin was professional, responsive, knowledgeable and most importantly effective. In an industry teeming with fraud it’s good to know there is at least one reputable company you can turn to for credit repair. Needless to say, if you ever need credit repair I wholeheartedly recommend Lorin and Aggressive Credit Repair.

  5. User Score
    10
    michael toler
    May 20th, 2014 at 10:20 pm

    Just a short note to thank you so much for all the work you did on my behalf. If anyone is looking for a great company to work on your credit score look no further. Did a awesome job and did so in the time frame he stated it would take. Ill be back again!

  6. User Score
    10
    Rob
    April 1st, 2014 at 7:00 pm

    Lorin did an amazing job! In only a few months, he helped my credit improve over 100 points! He was very prompt in our communication and I would reccomemd his services to anyone. I felt like it was getting great customer service and he really did care to help me. I thoroughly researched who to use and could not be more pleased with his service. Thank you, Lorin! -Rob

  7. User Score
    10
    Steve & Tiffnee
    March 15th, 2014 at 10:11 pm

    We enrolled in the program a year ago and seen our credit scores improve drastically especially after our bankruptcy. Thank you again Lorin! Would definitely do it again and recommend Lorin to others.

  8. User Score
    10
    Neal Blair
    March 10th, 2014 at 6:06 pm

    You have provided me with the most detailed and comprehensive service I have ever received. You have thoroughly cured years and years of credit messes and I now have good credit standing and have been able to borrow significant sums from national banks and other financial institutions. Thank you for your tireless dedication to my account!

  9. User Score
    10
    Andrew A
    February 28th, 2014 at 10:22 pm

    Lorin did exactly what he said he would, he worked very hard and was great at communicating what he was doing and what I needed to do. My score increased by 100 points and I was able to get a mortgage for a home I was previously denied for, I highly recommend this service!

  10. User Score
    10
    Stephanie P
    February 25th, 2014 at 6:20 pm

    I am very pleased with my results. Lorin started working on my credit five months ago. My credit scores have improved by more than 100 points. I will be closing on my new home next month.

  11. User Score
    10
    Robert Christensen
    February 11th, 2014 at 11:20 pm

    Awesome program. Working with Lorin really made the difference. When we started the program about a year ago I had FICO scores in the low 500′s. Now two of the bureaus have scores over 700 and the other is 680. With Lorin’s help we were able to purchase a house after only 10 months on the program. I would strongly recommend to anyone looking to repair their credit that you don’t wait any longer, start today. Lorin is very professional and has your best interest at hand all the time.

  12. User Score
    10
    Cottrell Smith
    January 14th, 2014 at 12:20 am

    Aggressive Credit Repair worked for me. I had a score of 640 and it increase 100 points within three months. The source of my low credit score was a couple of items that were in collections (one of which, had been in collections for several years) once those were resolved (or removed) my credit score went up in fairly dramatic fashion. I appreciate the individual attention I received from Lorin and the frankness of our communications. Thanks Lorin!

  13. User Score
    10
    GHansen
    January 7th, 2014 at 2:23 am

    Aggressive Credit Repair in every way exceeded my expectations! Lorin was upfront and really easy to work with. On my account he achieved great results in a considerably short amount of time. In May, when I started with Aggressive, I was looking for a car loan and the banks offered me an interest rate of 8.99%. With Lorin’s help on my credit score, I was able to get a rate of 2.99% in October!

    Thank you so much Lorin!

  14. User Score
    10
    Annie Murphy
    January 7th, 2014 at 1:27 am

    My husband and I really appreciate all the hard work Lorin did on both our credit scores…we would recommend if you need credit issues resolved he is the man for the job…Appreciatively The Murphy’s

  15. User Score
    10
    Darren L.
    December 18th, 2013 at 8:54 pm

    Lorin was incredible. My score shot up from the 660s all the way up to 770+. He removed all negative items on the reports. He also keeps in stellar communication with you as you go through the process.

    He’s your man.

  16. User Score
    10
    Jeff Simpson
    November 17th, 2013 at 12:21 am

    Great service. Great level of communication and worked to help us meet our goals.

  17. User Score
    10
    Jason Ryden
    October 29th, 2013 at 11:17 pm

    Very pleased ! My credit rating went up over 100 pts in less than 3 months.

  18. User Score
    10
    Pauline
    October 18th, 2013 at 7:58 pm

    I came to Aggressive Credit with a credit history involving a lost business, home, illness and divorce. To say I was overwhelmed and didn’t know where to start to clean up the mess was an understatement. Then I met Lorin Hanks, who has been amazing to work with! He is honest, forthright and answers all your questions without making you feel embarassed or stupid. Lorin has been extremely helpful in taking my credit history and repairing it to a place where I can move forward. I will not hesitate to refer my friends to Lorin. Thank you for everything!

  19. User Score
    10
    willie washington
    October 15th, 2013 at 4:45 pm

    Thank you Lorin Hanks and Aggressive Credit Repair for doing what you said you would do i.e., repair my credit. It is a breath of fresh air to know that there is at least one company and person out there who still does what they say or advertise. Lorin your yes means yes. Again thank you for doing what you said you would do i.e., repair my credit. My family and I purchased our new home and it is due to you. Prior to contacting you, I thought I was many years away from this goal. You are changing lives. May god bless you and your family as much as you are blessing others.

  20. User Score
    10
    Byron Millet
    September 20th, 2013 at 7:41 pm

    Aggressive Credit Repair helped me build my credit so I could purchase my first home. Through his diligence, Lorin was able to get my bankruptcy removed from my credit report and has been a great help to me and my family.

  21. User Score
    10
    Margarita Satini
    September 9th, 2013 at 6:58 pm

    I am thankful that I found Aggressive Credit Repair. Lorin Hanks is phenomenal and totally deserves the GephardtApproved stamp. He was able to analyze my credit report and give me some great advice on how to proceed next. I didn’t have to wait that long to get my results back. Lorin was on point, didn’t make me feel like an idiot when I had questions for me and was very professional & personable.. I highly suggest that if you’re looking for help as far as your finances..
    Call Lorin Hanks!!

  22. User Score
    10
    Tina Jones
    August 26th, 2013 at 11:42 pm

    I have been in the lending industry for over 20 years. I have heard of credit repair companies over the past several years and have reasearched some as well, however until I talked with Lorin I felt it would be money (a very large amount they all wanted up-front) wasted. My husband and I both had past credit struggles due to divorce however actively wanted to resolve thes issues and move forward in our lives, we were in Lorin’s program for 9 months and he accomplished MORE than what he said he would at the time of our initial interview and he accomplished this at paced affordable rate. We were not obligated to continue with his services if we did not see results- I never questioned where the results were as he kept us informed each step of the way.

    We now once again own a home at a 3% fixed interest rate and this is most definately a result of Lorin’s work. I have several friends and family members that I have referred to Lorin and have gotten only thanks and positve feedback for referring Agressive Credit Repair’s information, they are all now also on their way to having a healthy credit report once again as well.

  23. User Score
    10
    Chad S
    August 21st, 2013 at 3:53 pm

    Lorin was amazing to work with. If I ever had a problem or a question he was there to help. He keeps you up to date on everything that is going on and I would recommend him to anyone. I was very pleased with my results

  24. User Score
    10
    Tim Chen
    August 8th, 2013 at 9:48 pm

    Aggressive Credit Repair is one of best credit repair agencies out there. I have tried several in the past five years and none has gotten the quick results like that of Lorin. He handles every case with professionalism and I have had a wonderful experience working with him. I will surely recommend everyone in need of credit repair help to Lorin.

  25. User Score
    10
    Steve R
    July 29th, 2013 at 11:48 pm

    Lorin was great to work with. I had a tax lean showing on my reports. I had worked with the state and had documentation showing I did not have the lean srom the state. I was unable to get it corrected myself. Lorin was very pro active and I started seeing changes quickly. I would recommend him to all friends and family.

  26. User Score
    10
    Arianne T
    July 11th, 2013 at 9:35 pm

    I can’t say enough how happy we are that we chose Lorin and Aggressive Credit repair. Because Lorin was upfront about what things he could probably clear up (and a few he didn’t think he could) the results far exceeded our expectations. We went into this a little skeptical, but with a horrific credit scenario that needed help. We were victims of a real estate scam that left multiple foreclosures and short sales on our credit. We had no hope of getting a loan to buy a home of our own. Well, a year later, almost all of our credit issues are gone. Our credit score is up about 100 points and we recently qualified for a conventional home loan! Even most of the things Lorin didn’t think would come off did and we now have great credit. If you’re on the fence, try Aggressive Credit Repair. We are SO glad we did!

  27. User Score
    10
    Karen S
    July 8th, 2013 at 4:50 pm

    Lorin did a terrific job. Despite the best efforts of the credit bureaus, he was incredibly effective in getting incorrect items removed from my credit reports. My credit score was increased by over 100 points in just over a year! He had excellent communications in every step of the process. Also, he never over promised. In fact, if anything he was conservative in his representations. I would highly recommend Aggressive Credit Repair to anyone in need of an improved credit score. Thanks Lorin!

  28. User Score
    10
    Dan Jensen
    June 28th, 2013 at 7:31 pm

    I researched various companies that do credit repair work and I am very happy that I went with Lorin. My uncle had previously used a different company that had him pay up front and they never came through with the results that they promised. He is now also using Lorin’s service, and the first thing he said was, wow he is quick! I would not think twice on who I would recommend to friends and family who are seeking credit counsel.

    Lorin is straight to the point, and was honest with what he would follow through with. If he knew he wouldn’t be able to get it removed, he would tell you it was unlikely that he would be able to help; but when he said it was going to get done, he was right on point. Immediate responses followed up by the details that he would need for you to proceed with. I am very happy with the service that Lorin provided and would recommend it to anyone as I already mentioned previously. Thanks again Lorin!

  29. User Score
    10
    Heidi Kaouk
    June 20th, 2013 at 4:48 pm

    I am very glad we found agressive credit repair, we were on the program for almost a year. Lorin was helping both me and my husband fix our credit report. Both of our credit scores have been raised and a lot of negative credit was removed from our credit reports. We recently went in to buy a new car and were able to finance it on our own without a co-signer and even got the good credit interest rate. This program really works and you will see results.

  30. User Score
    10
    Celly Gallegos
    June 3rd, 2013 at 12:26 pm

    Lorin did a outstanding job. He was there to answer any questions and concerns. And most of all he fixed my credit score. I am 100% pleased with Lorins job. I will recommend him to any friend or family members. Thank you Lorin you really changed my life by opening the door to bigger and better opportunitys for my financial future. Thanks again. Celly Gallegos.

  31. User Score
    10
    Patty Gilbert
    January 31st, 2013 at 5:38 pm

    Three years ago we lost our home to a short sale. This really affected our credit. We looked at purchasing a home after the 3 year wait and our credit scores were not even in ballpark to get a loan. We heard about Lorin @ Aggresive Credit Repair thru our lender and we placed the call. From the beginning Lorin has been wonderful to work with, and all the accounts he disputed and cleared from the Credit Bureaus (even disputed 30 day lates and got alot removed). We are finally in a position to get a home and suppose to close next week. Thank you Lorin for all your assistance, and doing all the work for us, I did not have to contact or mail anything to credit agencies, he does all the work for you! It really was stress free and worth the money.

  32. User Score
    10
    Keylo
    September 4th, 2012 at 6:36 pm

    Finally someone you can work with one on one. Answers the phone when you call and explains everything to your understanding. This is the company to use. Lorin was incredible to work with.

  33. User Score
    10
    Jason Osley
    September 4th, 2012 at 4:51 pm

    When I first came to Lorin Hanks at Aggressive Credit Repair I was a little skeptical. I didn’t think my credit score could ever get any higher but I was wrong. Lorin brought my score from low 500’s to over 700+. He has done a great job on my credit and I would recommend his services to anyone who is looking to improve their credit score. He goes above and beyond to improve your score and getting late payments, judgements etc off your report. A+++ service.

  34. User Score
    10
    Stephanie
    August 27th, 2012 at 8:42 pm

    I have had nothing but upstanding service from Aggressive Credit Repair. Lorin goes above and beyond to help.

  35. User Score
    10
    Mike
    August 22nd, 2012 at 4:11 pm

    I used Aggressive Credit Repair. Was very happy. I worked with Lorin and he really helped me! I would recommend this company.

  36. User Score
    10
    Abby Dimick
    August 21st, 2012 at 9:45 pm

    When I signed up for credit repair I had a credit score of 520 and now after successfully completing the program I am 700+. Not only has my credit improved but so has my knowledge on how credit works. Lorin was great and was always available by phone or email.

Our Score
7.1
User Score
10.0
Rank this Company
Ratings Breakdown

Price

Monthly Payment Price
$49

Time in Business

How Long You've Been Around.
10 years

A+

Guarantees/Warranties

Money Back Guarantee?
Yes

Credit Reports

Equifax, Experian, TransUnion
3/3

Score Updates

Equifax, Experian, TransUnion
3/3

Licensed Attorneys

Are There Attorneys on Staff?
No

Case Setup

consultation, evaluation etc.
Yes

Site Security

Active Website SSL?
Yes

Number of Reviews

User reviews here on BCRC
36

This Review is maintained by

Review Last Updated: August 12, 2014

Company Awards / Certifications
  • Member of National Association of Credit Services Organizations
  • Licensed by the Division of Real Estate as a Licensed Mortgage Loan Officer
  • Gephardt Approved
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