Credit Assistance Network Credit Repair Review

The Credit Assistance Network combines credit repair and financial management

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Credit Assistance Network

Credit Assistance Network

Investopedia’s Rating
4.1

Our Take

The Credit Assistance Network goes beyond the typical credit repair services to offer additional benefits like budgeting tools, identity protection, and even lines of credit. However, the company has outdated or unclear information on its site, and there are no current customer reviews on major consumer review sites, so it may be a good idea to research other companies with more established reputations.

  • Pros & Cons
  • Key Takeaways
  • Company Overview
Pros & Cons
Pros
  • Transparent pricing

  • Additional benefits and services

  • Unlimited disputes

Cons
  • Unclear and outdated information on website

  • Limited information about customer service

  • Does not accept all credit card types

  • No customer reviews

Key Takeaways
  • The Credit Assistance Network is owned by The Business Credit Pros Corporation. 
  • Credit repair services are provided by The Credit Pros. 
  • Offers a 20% spousal discount. 
  • The company is based in Newark, New Jersey. 
  • It provides free educational tools and calculators.
Company Overview

The Credit Assistance Network was established in 2004, and it’s based in Newark, New Jersey. It’s owned by The Business Credit Pros Corporation, and it offers a suite of credit repair and financial management services. 

The Credit Assistance Network doesn’t handle credit repair on its own. Instead, it partners with The Credit Pros to provide credit repair services, and it partners with other companies like Cash Rules and ID Cover to offer other benefits. 

Because the Credit Assistance Network works through its partners, there is very limited information about the company, and there are no customer reviews on major consumer sites like the Consumer Financial Protection Bureau’s complaint database, the Better Business Bureau, or Trustpilot.

  • Year Founded 2004
  • Services Offered Credit repair, credit monitoring, identity protection, financial management
  • First Work Fee $149
  • Monthly Fee $49 to $149
  • Customer Service Phone: (888) 557-0487; Email: sales@creditagenda.com
  • Official Website www.creditagenda.com
Credit Assistance Network

Credit Assistance Network

Investopedia’s Rating
4.1

If you have less-than-perfect credit, you may have more issues than just a low credit score. You may find that you struggle to stick to a budget, or you may be a victim of identity theft. If that’s the case, you may need more help than a basic credit repair service. That’s where the Credit Assistance Network stands out from other companies. 

Rather than offering only credit disputes and repair services, the Credit Assistance Network partners with other companies to provide comprehensive financial management tools. Through your subscription, you can get access to credit repair and budgeting tools, bill reminders, identity monitoring, and additional benefits like pharmacy discounts. 

There are no long-term contracts, and the Credit Assistance Network offers a 90-day service guarantee. However, information and customer reviews about the company are scarce. 

You can view your credit reports—and dispute inaccurate information—on your own for free. View your credit reports from each of the credit bureaus at AnnualCreditReport.com.

Pros Explained

  • Transparent pricing: The Credit Assistance Network clearly lists the monthly fees for its three tiers of service. It also lists what each tier includes, and that customers are covered by a 90-day guarantee. 
  • Additional benefits and services: Through the Credit Assistance Network’s partners, you can take advantage of additional benefits like financial account managers, budgeting tools, identity protection, and access to credit lines. 
  • Unlimited disputes: While some credit repair companies cap how many disputes you can request per month, the Credit Assistance Network includes unlimited disputes in your fee.

Cons Explained

  • Unclear and outdated information on the website: The Credit Assistance Network recently went through a web design update, and we found that its site included some outdated or unclear information, as well as some glitches. For example, The Credit Assistance Network claimed in its FAQ that it has an A+ designation from the Better Business Bureau (BBB). However, the link it provided to its BBB page was broken, and no results were found with the BBB’s search tool for the Credit Assistance Network.
  • No customer reviews: There are no consumer reviews about the Credit Assistance Network on Trustpilot or with the BBB. And while the company boasted in its FAQ that it has positive reviews on TrustLink.org, the link it provided was broken, and the reviews on TrustLink are all quite old. 
  • Does not accept all credit card types: In 2022, it’s odd for companies that do business online to not accept all major credit cards. However, the Credit Assistance Network only accepts Visa, Mastercard, and American Express. If you have another card type, such as Discover, you won’t be able to use it to pay your fees. 
  • Limited information about customer service: The Credit Assistance Network provides limited information about its customer service, and it doesn’t list its business hours online.

Types of Services

If you are struggling to manage your finances and improve your credit score, the Credit Assistance Network may be able to help. The Credit Assistance Network doesn’t make any claims about how much it can boost your score—that’s a good thing, since no company can guarantee results—but it does offer a comprehensive suite of services to help you.


There are three programs to choose from:

  Money Management Prosperity  Success 
Credit Score
Credit Monitoring  ✓  ✓  ✓ 
Credit Reports ✓  ✓  ✓ 
Identity Monitoring  ✓  ✓  ✓ 
Bill Reminders  ✓  ✓  ✓ 
Budgeting Tools  ✓  ✓ 
Three Bureau Credit Restoration    ✓ 
Debt Validation Letters    ✓  ✓ 
Reporting to Experian & TransUnion      ✓ 

Credit Monitoring

Through the Credit Assistance Network, you can monitor your credit reports from the three major credit bureaus and view your credit scores.

Credit Restoration

Credit restoration assistance services are provided through The Credit Pros. This feature includes credit bureau disputes. 

Learn more about what you’ll get in our full review of The Credit Pros.

Debt Validation

On your behalf, the Credit Assistance Network will send debt validation letters to your creditors. If the creditor cannot prove the debt is active and belongs to you, it must be removed from your credit report. 

Optional Features

Depending on the level of service you choose, you may be eligible for additional features like pharmacy discounts, lines of credit, and credit tradelines. 

Company Features

As a customer of the Credit Assistance Network you can access the following features: 

  • Free credit analysis: A Credit Assistance Network representative will review your credit reports with you and outline a credit improvement plan based on your information. 
  • Educational materials: The Credit Assistance Network has free educational resources available, including articles and calculators. 
  • Discounts: You can qualify for a 20% discount when your spouse signs up at the same time as you. 

Legally, a credit repair company cannot get credit bureaus to remove negative information if it’s accurate. They can attempt to do so by sending debt validation letters, but the creditor is not obligated to remove that information. 

Customer Service

The Credit Assistance Network is available via phone or email. However, it doesn’t post its business hours online. You can contact customer support at (888) 557-0487 or sales@creditagenda.com.

Company Reputation

There is very little information about the Credit Assistance Network’s reputation or customer service history. There are no customer reviews on Trustpilot or the BBB, and no complaints have been submitted to the CFPB (although this doesn’t indicate anything about a company’s reputation).

While the company directs consumers to TrustLink.org to view customer reviews, the links posted were broken, and the only reviews on that site are seven or more years old. 

Further, the Credit Assistance Network posts reviews it says are from customers on its main page (although it seems to have multiple main pages), but it uses the same individual’s photo for all of the reviews.

Together, those things are concerning since it makes it difficult to gauge what level of service the company provides. 

Contract Duration

The Credit Assistance Network doesn’t require contracts, and you can pay on a monthly basis. Depending on which state you live in, you can cancel and get a full refund as long as you contact the company within three to five days. 

Cost

There are three tiers of service. Depending on which tier you choose, the monthly fee can range quite a bit. 

  Money Management Prosperity  Success 
Monthly Fee $49  $119  $149 

We were told by a customer service representative that there is a $149 first work fee. However, this information is not posted on the Credit Assistance Network’s website. 

How to Choose a Credit Repair Company

If you’re looking for help fixing your credit, you may be overwhelmed by how many options there are. To find a reputable company, consider the following: 

  • Fees: Fees can vary a great deal between companies. There is typically a monthly fee, and many companies also charge setup or first work fees. 
  • Customer support: Customer support is usually available via phone or email. While some companies have 24/7 call centers, others can only be reached during normal business hours. 
  • Commitment: Some companies require you to commit to a certain timeframe, such as 6 to 12 months. Others allow you to sign up on a monthly basis with no contract. 
  • Refund policies: Many credit repair companies offer service guarantees that provide you with additional protection and peace of mind. If you aren’t happy with the service or it hasn’t delivered results, you may be eligible for a refund. 
  • Additional features: Some companies have additional features, including comprehensive financial management tools and identity protection services. 

If a credit repair company promises specific results, that’s a red flag. No company can guarantee how it can impact your credit since there are so many variables affecting your credit scores. 

Alternative Choices

To help you find the right credit repair company for you, we compared the Credit Assistance Network to CreditRepair.com, a leading service. 

CreditRepair.com has a higher price point, but it covers credit disputes, credit monitoring, and identity theft protection. Depending on the level of service you choose, you can also get identity theft insurance that covers some of your expenses related to identity theft. 

CreditRepair.com doesn’t disclose all of its fees online, which is a significant drawback; Credit Assistance Network is better in that respect. 

CreditRepair.com is more established with customers than the Credit Assistance Network. It has hundreds of reviews on Trustpilot and an unusually high rating for a credit repair company. However, CreditRepair.com is involved in ongoing litigation with the CFPB (although the alleged problems are similar to those of other companies). 

  Credit Assistance Network CreditRepair.com 
Services Offered Credit report disputes
Creditor intervention
Credit monitoring
Identity theft protection
Financial management
Credit report disputes
Creditor intervention
Credit monitoring
Identity theft protection
Max. Number of Monthly Disputes/Challenges  Unlimited  19 per 45-60 days 
Letters to Creditors/Bureaus Debt validation, cease-and-desist, goodwill removal  Debt validation, cease-and-desist, goodwill removal, inquiry disputes 
First Work Fee  $149  $24.95 to $119.95 
Monthly Fee  $49 to $149  $24.95 to $119.95 
Customer Service Platforms  Phone, email  Phone, email, live chat 
Final Verdict

For those looking for an all-in-one service to improve their credit and manage their finances, the Credit Assistance Network could be a good fit. It offers credit repair services, budgeting tools, and identity monitoring in one package. 

However, the Credit Assistance Network isn’t a direct provider; it works with other companies to provide those services. And there is little information about the Credit Assistance Network’s customer service, which may make potential customers think twice about signing up. 

If you’re researching your options, be sure to check out our picks for the best credit repair companies to find a reputable company.

How We Review Credit Repair Companies

Our team evaluated 17 credit repair companies and collected over 600 data points before selecting our top choices. We weighed 39 criteria, giving the highest weights to those that are the most significant for customers.

The top picks were selected based on:

  • Costs and fees (weighted 40.5% in total)
  • Services offered (34%)
  • Customer experience (22.5%)
  • Stability (3%)

We took into account factors like how many disputes will be sent per month, what kinds of dispute letters will be sent, cancellation and return policies, and how long companies have been in business. This information was used in our company's star ratings and best picks.

Article Sources
Investopedia requires writers to use primary sources to support their work. These include white papers, government data, original reporting, and interviews with industry experts. We also reference original research from other reputable publishers where appropriate. You can learn more about the standards we follow in producing accurate, unbiased content in our editorial policy.
  1. Credit Assistance Network. "Terms and Conditions." 

  2. Credit Assistance Network. "Pricing." 

  3. Credit Assistance Network. "F.A.Q." 

  4. Credit Assistance Network. "Credit Assistance Network." 

  5. Better Business Bureau. "Search Results." 

  6. Consumer Financial Protection Bureau. "Consumer Complaint Database."

  7. Trustpilot. "Credit Assistance Network." 

  8. TrustLink.org. "Credit Assistance Network, Inc."

  9. Credit Assistance Network. "Credit Assistance Network." 

  10. CreditRepair.com. "Fix My Credit." 

  11. Trustpilot. "CreditRepair.com." 

  12. Consumer Financial Protection Bureau. "Consumer Financial Protection Bureau Files Suit Against Lexington Law, PGX Holdings, and Related Entities."