Credit Repair Review

Get credit help without being locked into a long-term contract

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Investopedia’s Rating

Our Take

With you can pick the tier of service that fits your needs and budget, and you don’t have to worry about being locked into a long-term contract. However, is currently involved in litigation with the Consumer Financial Protection Bureau, so you should be wary and review all terms and conditions before signing up (but complaints like these are somewhat common among credit repair companies).

  • Pros & Cons
  • Key Takeaways
  • Company Overview
Pros & Cons
  • Multiple service tiers

  • No contracts

  • Discount for friends and family

  • Includes identity theft insurance

  • Pending litigation with the Consumer Financial Protection Bureau

  • No service guarantee

  • Pricing unavailable without providing personal information

Key Takeaways
  • is owned by Progexion.
  • offers free online credit consultations.
  • Veterans can qualify for a 50% discount on first work fees.
  • The company is based in West Valley City, Utah.
  • It provides free educational tools and credit score simulators.
Company Overview was launched in 2012. Based in West Valley City, Utah, It’s owned by Progexion, a company that also owns Lexington Law and provides comprehensive credit repair services. According to the company, it has helped over 850,000 members with their credit since 2012. 

Despite mostly positive reviews from customers, is involved in a lawsuit with the Consumer Financial Protection Bureau over its business tactics, and the suit has potential ramifications for the entire credit repair industry.

  • Year Founded 2012
  • Services Offered Credit repair, credit monitoring
  • First Work Fee $69.95 to $119.95
  • Monthly Fee $69.95 to $119.95
  • Customer Service Phone: 800-232-6499. Online chat. Email
  • Official Website

overall rating

To qualify for the top rewards credit cards or the lowest interest rates on personal loans or car loans, you need to have good to excellent credit. If your credit is less than perfect, a credit repair service like could help you improve your score. 

According to, customers usually improve their scores by about 40 points in just four months. That’s enough of a difference to move your score from “fair” to “good,” helping you qualify for lower rates and more rewards.

As part of reviewing, we evaluated 17 credit repair companies in the following categories: costs and fees (40.5%), services offered (34%), customer experiences (22.5%), and stability (3%).

Credit repair companies are required to explain your legal rights, and you have three days to cancel your plan without any charges.

Pros Explained

  • Multiple service tiers: has three different plans, so you can choose the one that fits your needs and budget. For example, if you have only a few items to handle on your credit reports, the basic plan is likely sufficient, so you can skip the more expensive tiers to save money. 
  • No contracts: allows you to pay for its services monthly, so you’re not locked into a long-term contract. 
  • Discount for signing up friends and family: If you sign up along with a friend or family member, you’ll each get 50% off the first work fee. 
  • Includes identity theft insurance: When you sign up for, identity theft insurance is included. If you are the victim of identity theft, insurance can help you recover lost wages and expenses.

Cons Explained

  • Pending litigation with the Consumer Financial Protection Bureau (CFPB): In 2019, the CFPB filed a lawsuit against and Lexington Law. In the suit, the CFPB alleged that the companies used deceptive marketing tactics and requested and received payment for prohibited upfront fees. The suit also alleged that the companies made false claims in their ads. 
  • Pricing unavailable without providing personal information: offers several service tiers, but doesn’t provide information about pricing on its main site. To view pricing information you have to provide your personal information, including your email and phone number. 
  • No service guarantee: Unlike other companies, doesn’t offer a service guarantee, so you cannot get a refund if you’re dissatisfied with its service.

Types of Services

If you have poor credit, you could use to potentially improve your credit score. According to the company, past members saw their scores increase by an average of 40 points in four months. Keep in mind that individual results may vary; your initial credit score, the length of your credit history, and your ongoing credit habits can affect your score. provides its customers with three tiers of service:

  Direct Standard  Advanced 
Bureau Challenges 
Inquiry Assists  ✓  ✓  ✓ 
Goodwill Intervention  ✓  ✓  ✓ 
Quarterly Credit Score Updates  ✓  ✓  ✓ 
FICO Score Inquiry Assist    ✓  ✓ 
Monthly Credit Score Updates      ✓ 
Cease and Desist Intervention      ✓ 

Bureau Challenges

If there is inaccurate information on your credit reports, will work with the three credit bureaus to have that information removed. 

Debt Validation

If you have outstanding debt that is delinquent or in default, will send a debt validation letter to the creditor. The creditor must be able to prove the debt belongs to you and is current, or the item can be removed from your credit report. 

Goodwill Intervention

If you have open accounts that are late, can help you craft a goodwill intervention letter. With this approach, you request that the creditor remove the late payment from your credit reports; in return, you agree to make future payments on time. 

FICO Score Updates will allow you to monitor your progress with regular FICO score updates. 

Cease and Desist Intervention

If you are being harassed by debt collectors, you can use to send a cease-and-desist letter. The letter asks them to stop contacting you while you identify a plan for repaying your debt; you still owe the money, but it may help reduce unwanted phone calls. 

Optional Add-Ons

Depending on which tier of service you choose, you may be able to utilize identity theft protection and identity theft insurance. 

Company Features customers get access to the following features: 

  • Free credit repair consultation: offers a free online credit consultation that you can use to see what negative items exist on your credit reports. 
  • Credit monitoring: You can monitor your credit reports and scores through your online account. 
  • Educational materials: has informational articles and tools you can use as you boost your credit. It has a credit score simulator that shows you how different actions can improve your credit. 

Credit repair companies cannot usually remove negative information that’s accurate and timely from your credit reports, although they may attempt this with goodwill letters. 

Customer Service

While some credit repair companies offer 24/7 support,’s customer service team is only available during its business hours Monday through Friday, from 7:00 a.m. until 7:00 p.m. MST. 

Customer support can be reached by phone at (800) 232-6499, or you can also chat with a representative online. 

Members can contact the company through this email address, although it’s not listed on the company’s contact page: does have a mobile app you can use to manage your account and monitor your progress. 

Company Reputation has solid reviews from customers, but it’s currently dealing with some issues with regulatory authorities. 

On Trustpilot, has a 4.2 out of five TrustScore, which is a “Great” score on Trustpilot’s scale. That score is based on over 600 reviews, and is an impressive rating for a credit repair company. In reviews, customers praised the personalized customer support and results.

Just 12 complaints about were submitted to the Consumer Financial Protection Bureau (CFPB) over the past 10 years, fewer complaints than are typically submitted about credit repair companies. 

Lawsuits and Regulatory Action

In 2019, the CFPB filed a lawsuit against and Lexington law, two of the largest credit repair companies in the country. In the suit, the CFPB made the following allegations: 

  • Violation of the Telemarketing Sales Rule (TSR): The CFPB alleged that the companies violated the TSR by requesting and receiving payment of prohibited upfront fees for their services. Under the TSR, companies can only charge fees after providing consumers with documentation that shows the results were achieved. 
  • Violations of the Consumer: Financial Protection Act: The CFPB also alleged that the companies made deceptive representations in their advertising materials and through their marketing affiliates. 

As of 2022, the lawsuit is still pending. This lawsuit will have significant ramifications on the credit repair industry. Most credit repair companies charge first work fees along with their monthly fee; according to the CFPB, these fees are illegal because they violate the TSR. 

Contract Duration does not require an ongoing contract. You pay for its services on a monthly basis and can cancel at any time.

Cost offers three different service tiers. Depending on which plan you choose, the monthly fee can range from $69.95 to $119.95. There is also a first work fee that is equal to a month’s payment.

  Direct Standard  Advanced
First Work Fee $69.95 $99.95 $119.95
Monthly Fee  $69.95  $99.95  $119.95

If you enroll with a friend or family member, you can both qualify for a 50% discount on the first work fee. doesn’t offer a satisfaction guarantee, so you cannot get a refund if you’re unhappy with the service you receive. 

We were told by a customer service representative that there is another plan with a first work fee and a monthly fee of $24.95, but this plan doesn’t seem to appear on

How to Choose a Credit Repair Company

There are many credit repair companies out there. When choosing a company, consider the following: 

  • Setup and ongoing fees: Credit repair companies typically charge first work fees and ongoing monthly fees. In general, fees range from $69 to $119 per month. 
  • Customer support: While some companies are available 24/7, others are more limited. 
  • Commitment: You likely will only need a credit repair company for a few months, so beware of companies that require you to sign long-term contracts. Instead, look for a company that has monthly plans.
  • Refund policies: Many credit repair companies—but not all—offer service guarantees. If you’re dissatisfied with their service, they’ll give you a refund of your fees.  
  • Additional features: Some companies have optional features like identity theft protection or budgeting tools. 

Credit repair companies can’t guarantee specific results. How much your score improves—if at all—is dependent on several factors unique to you. 

Alternative Choices

Before choosing a credit repair company, shop around and see what options are available. To help you with your research, we compared to The Credit Pros, one of the best credit repair companies

The Credit Pros is more expensive than, but its highest tier of service includes a financial planning component that may be valuable to some customers. It also offers an unlimited number of monthly disputes, while allows as few as three per month, giving The Credit Pros a significant advantage. The Credit Pros 
Services Offered  Credit report disputes
Creditor intervention
Credit monitoring
Identity theft protection
Credit report disputes
Creditor intervention
Credit monitoring
Identity theft protection
Financial planning 
Max. Number of Monthly Disputes/Challenges  18  Unlimited 
Letters to Creditors/Bureaus  Debt validation, goodwill, cease and desist  Not disclosed 
First Work Fee  $69.95 to $119.95  $119 to $149 
Monthly Fee  $69.95 to $119.95  $69 to $149 
Customer Service Platforms Online, phone  Online, phone, mobile app 
Final Verdict is popular with customers and can effectively work to improve your credit. You can choose a level of service that fits your budget, and you can use its online tools and mobile app to manage your account and monitor your credit score’s progress. However, is involved in a lawsuit with the CFPB surrounding its business practices and fees, so it’s important to be cautious and consider all of your options; unfortunately, many companies operate similarly to

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. "FAQs." 

  2. Consumer Financial Protection Bureau. "Bureau of Consumer Financial Protection v. Progexion Marketing, INC.; PGX Holdings, Inc., Progexion Teleservices, Inc., EFolks, LLC,, Inc., John C. Heath, Attorney at Law, PLLC, D/B/A Lexington Law." 

  3. Federal Trade Commission. "Fixing Your Credit." 

  4. "Let's Start By Getting Some Info." 

  5. "How to Prevent Identity Theft and Protect Your Credit." 

  6. "Contact Us." 

  7. Trustpilot. "" 

  8. Consumer Financial Protection Bureau. "Complaint Data:" 

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

  10. Credit Repair Lawyers of America. "Gloves Come Off: The CFPB and Lexington File Cross Motion for Partial Summary Judgment in CFPB v Lexington law."