eCreditAdvisor vs Credit360 Credit Repair Services (2026)
Written by Harvey Brooks | Reviewed by the CreditDoc Editorial Team
eCreditAdvisor
Google rating from 320 reviews
Credit360 Credit Repair Services
Google rating from 390 reviews
Summary
eCreditAdvisor charges $99/month with a 6-month cap (~$594 total) and holds a BBB A+ accreditation since 2013, making it profiled for mortgage-focused borrowers. Credit360 offers a pay-per-deletion model with no monthly fees but charges a $360 upfront audit fee plus $50-$100 per deletion, potentially costing $1,500+ for multiple disputes. Credit360 lacks BBB accreditation and has a concerning 1.7/5 Trustpilot rating despite many Google reviews. eCreditAdvisor's listed pricing, stored reputation signals, and mortgage-specialization give it more risk context to review for homebuyers, while Credit360 appeals only to those with few disputed items and no BBB requirement.
Side-by-Side Comparison
| Feature | ||
|---|---|---|
| Monthly Price | From $99.00/mo | From $50.00/mo Lower |
| Setup Fee | $99.00 Lower | $360.00 |
| BBB Rating | A+ Higher | NR |
| Refund Term Listed | Yes | Yes |
| Google Rating | | |
| Credit Monitoring | ||
| All 3 Bureaus | ||
| Goodwill Letters | ||
| Cease & Desist Letters | ||
| Debt Validation | ||
| Credit Education | ||
| ID Theft Protection | ||
| Score Tracking | ||
| Mobile App | ||
| Online Portal | ||
| Personal Advisor | ||
| AI-Powered |
How to Compare These Two
CreditDoc Profile Note
Research Note on eCreditAdvisor
Review eCreditAdvisor if these stored profile signals are relevant to your research: Prospective homebuyers who have been turned down for a mortgage due to insufficient credit scores. Consumers with a 4–6 month runway before they plan to apply for a home loan. Profile signal to verify: Founded in 2004 with 22+ years of experience and 30,000+ clients served.
CreditDoc Profile Note
Research Note on Credit360 Credit Repair Services
Review Credit360 Credit Repair Services if these stored profile signals are relevant to your research: Florida consumers with multiple specific negative items (collections, charge-offs, repossessions) who want to pay only for outcome context to verify. Business owners in South Florida seeking to establish or repair business credit profiles. Profile signal to verify: Pay-per-deletion model — clients only pay for items actually removed, not for effort or time.
CreditDoc Profile Note
Research Note on eCreditAdvisor
CreditDoc comparison note: eCreditAdvisor. eCreditAdvisor offers more profile context, with BBB A+ accreditation (active since 2013), listed pricing capped at $594, and 22+ years of operational history. Credit360's lack of BBB accreditation, undisclosed listed refund terms, and critical 1.7/5 Trustpilot rating present significant trust and cost risks despite its pay-per-deletion appeal.
Check the Context Before You Contact a Company
Use this comparison with each company profile, related category pages, local guides, and CreditDoc data explainers. This page is directory context, not a recommendation, approval prediction, price quote, or licensing determination.
Frequently Asked Questions
Which lists the lower monthly price, eCreditAdvisor or Credit360 Credit Repair Services?
Credit360 Credit Repair Services lists the lower monthly price at $50.00/mo, compared with eCreditAdvisor at $99.00/mo. Setup fees can change first-month cost: eCreditAdvisor lists a $99.00 setup fee, while Credit360 Credit Repair Services lists a $360.00 setup fee.
Which has the higher stored BBB rating, eCreditAdvisor or Credit360 Credit Repair Services?
eCreditAdvisor has an A+ BBB rating (accredited), while Credit360 Credit Repair Services has an NR BBB rating. BBB ratings are third-party signals and should be checked with current provider, regulator, and complaint-response context.
Do eCreditAdvisor and Credit360 Credit Repair Services list refund terms?
eCreditAdvisor has a listed refund term: provider-stated refund policy to verify with cancellation language in published terms. Specific terms and conditions not publicly disclosed on website. Credit360 Credit Repair Services has a listed refund term: provider-stated refund term offered. Full terms and conditions not publicly disclosed; contact provider directly for specifics.
How should I compare eCreditAdvisor and Credit360 Credit Repair Services?
Compare the profile details, pricing fields, public ratings where available, refund terms, and complaint-response context before contacting either company. CreditDoc's stored comparison note records eCreditAdvisor for this matchup because: eCreditAdvisor offers more profile context, with BBB A+ accreditation (active since 2013), listed pricing capped at $594, and 22+ years of operational history. Credit360's lack of BBB accreditation, undisclosed listed refund terms, and critical 1.7/5 Trustpilot rating present significant trust and cost risks despite its pay-per-deletion appeal.
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