No hand holding from a live credit analyst: Since Credit Versio is a software program and not a team of live experts, you won't have much, if any, interaction with a live person.SmartCredit offers a limited money-back guarantee, but IdentityIQ does not. May not have a money-back guarantee: Credit Versio doesn't charge for its services but you will need to purchase a subscription to either IdentityIQ or SmartCredit.That's not the case with Credit Versio, where you'll need to take a more active role in things, including printing and mailing your own credit dispute letters that the company helps you create. Requires you to send letters yourself: Typically, credit repair is a hand-off service, where someone else does all the work for you.Credit Versio is one of the newest companies out there, so it doesn't have that history built up yet. Short track record: Credit repair isn't a very old industry, but having a longer relative track record can be a sign of a more stable and customer-driven company.Easy-to-use, intuitive interface: Credit Versio's online portal offers a smooth experience that makes it easy to see where you're at now, what needs to be done, and what improvements you've already made.

But with Credit Versio's DIY approach, you can get the ball rolling in just a few minutes.

Can get started ASAP: Often you'll need to wait at least a day before someone sits down with you to create a credit repair plan.

In fact, after you pay for a third-party credit monitoring service, Credit Versio itself is free.

Very affordable: You probably won't find a cheaper option for a credit repair company.

If you'd rather hand things off to someone else because you don't have enough time to do it on your own or you're not confident in your abilities, consider hiring a more traditional credit repair company.

Credit Versio uses a DIY approach to credit repair.

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