Credit Assistance Network Credit Repair Review

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 that 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. 

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• Unclear and outdated information on the website: The Credit Assistance Network recently went through a web design update and we found that its site included some outdated or unclear information, as well as some glitches.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 2023, 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:

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. 

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. 

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 Consumer Financial Protection Bureau (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. 

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 six 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. 

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). 

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, check out our picks for the best credit repair companies to find a reputable company.

Methodology

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.