Credit Repair Review

Customizable credit repair for all levels of need

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Investopedia’s Rating

Our Take offers a broad scope of services ideal for all types of credit repair needs. However, the company has had past trouble with the CFPB which is a major red flag.

  • Pros & Cons
  • Key Takeaways
  • Company Overview
Pros & Cons
  • Offers a free credit evaluation

  • Choose from three service levels

  • Robust educational library

  • Mobile app available

  • Option for in-house credit monitoring

  • Mixed customer reviews as well as CFPB issues

  • Lacks full pricing transparency

  • Limited monthly disputes

  • No money-back guarantee

Key Takeaways
  • offers three service packages and one of the options costs $99.95 a month.
  • Available services include credit disputes, credit monitoring, and financial planning tools.
  • The company gets mixed reviews from past customers and has a history of trouble with the CFPB including complaints and a lawsuit.
Company Overview began in 2012 and has offices in both Utah and Arizona. The company offers credit repair and credit monitoring services to customers in most locations across the United States. The company has helped over 830,000 people remove over 7.5 million negative items. Today, is owned by Progrexion, which also owns Lexington Law and

  • Year Founded 2012
  • Kinds of Credit Repair Service Credit disputes, monitoring, credit repair
  • Fee Schedule Monthly with probable start up fees
  • Monitoring Options In-house
  • Customer Service Phone, email, mobile app
  • Official Website

Investopedia’s Rating

One of the most well-known credit repair companies, has been helping consumers address credit disputes since 2012. But just because a credit repair company has spent decades in business doesn’t mean it offers the best services. While has a competitive range of plans, there are also a few red flags you should know about before you decide to enroll in credit repair services.

Pros Explained

  • Offers a free credit evaluation: Get a free online credit snapshot that includes your credit score, a summary of the negative items on your report, and suggestions for how to address them.
  • Choose from three service levels: offers options for basic, moderate, or aggressive credit repair based on your needs.
  • Robust educational library: Even non-customers can take advantage of the free credit information, videos, and interactive calculators at
  • Mobile app available: Download the free mobile app to track your progress and get alerts.
  • Option for in-house credit monitoring: has in-house credit monitoring services. These services may be included in your plan.

Cons Explained

  • Mixed customer reviews as well as CFPB issues: gets mixed reviews from customers depending on what site you check. Additionally, the CFPB has sued the company and there are consumer complaints against it in the CFPB database.
  • Lacks full pricing transparency: Pricing isn’t disclosed upfront on’s website, and you need to watch out for hidden fees. They do mention on of the plans has a $99.95 monthly fee, but they don't even say which one.
  • Limited monthly disputes: Monthly disputes are limited depending on the plan you choose.
  • No money-back guarantee: Many competitors offer a refund if they aren’t able to remove any items from your report, but doesn’t have a similar policy.

All About FICO Credit Scores

Types of Services offers three service packages with tiered levels of service. These are designed with the idea that not all customers need the same level of support in repairing their credit; some may just have one or two errors to be corrected, while others are in need of a complete overhaul. This allows customers to save money by not paying for services they aren’t likely to ever use. offers three different plans. With each plan you will get a different level of service. Between the three plans things like credit monitoring, number of disputes per month, what they will dispute, and the level of support and assistance you receive will differ. The plans are called basic, moderate, and aggressive.

Optional Add-ons doesn't offer many add-ons or optional services. However, they do have an option called Quickstart service that starts the process faster in exchange for a one-time fee. However, their site has no information about it and you have to go to the checkout page to see it.

Pay close attention as you’re completing the checkout process on The company automatically checks the box selecting Quickstart, and unless you uncheck it, you’ll be charged an extra $14.99 for a service that you may not want or need.

Customer Service’s main customer service touchpoints are via email and phone. Phone service is available between Monday through Friday from 6 a.m. until 10 p.m. MST and during shorter hours on the weekend.

Customers can also download a mobile app for easier access to their account dashboard and credit score tracker. The app is available for both iOS and Android and gets positive ratings at both stores with a 4.7 at Apple and 4.5 at Google.

Company Reputation’s services appear to offer good value with a broad range of services. Customers seemed to have mixed opinions about this. The company receives a broad range of scores high, middle, and low depending on which source of costumer reviews you check.

More worrisome is that has been the subject of six complaints with the Consumer Financial Protection Bureau in the past three years. Even worse, it was sued by the agency in 2019. According to the lawsuit, and another firm owned by the same holding company, Lexington Law, both violated telemarketing laws and charged illegal credit repair fees before any service had been rendered. This violates the Credit Repair Organizations Act, which states credit repair companies cannot collect payment before providing their services.

If you have a complaint about the services of a credit repair company, you can file a complaint with the FTC or call 877-FTC-HELP.

Contract Duration

None of’s service plans are subject to contracts, meaning you can cancel anytime without penalty. According to the company, most customers need to pay membership fees for an average of six months to see results.

Cost offers three services levels, but they only publicize on their site that one option costs $99.95 per month.

To stay in compliance with the Credit Repair Organizations Act, calls its first month of membership fees a “first work fee.” This is because credit repair companies aren’t allowed to start charging monthly fees until they’ve already begun performing work. From a practical standpoint, this doesn’t change anything for the consumer, but it’s something to be aware of as you’re signing up for credit repair.

The Competition: vs. The Credit Pros

No two credit repair services are the same. To gauge how stacks up against the competition, we pitted it against The Credit Pros. Credit Pros offers more comprehensive services, but it's prices seem to be a bit higher as two of their three plans cost more than the one published price we have for

While The Credit Pros is higher in price, we find the difference justified. All packages include credit monitoring and identity theft protection. The Credit Pros will also submit unlimited disputes on your behalf. Finally, The Credit Pros offers financial management tools to all of its credit repair customers that doesn’t match. These include bill payment reminders, a budgeting system, and automatic syncing with your open accounts. The Credit Pros
Year Founded 2012 2009
Services Offered Credit repair, monitoring Credit repair, monitoring, identity theft protection, budgeting
Customer Service Touchpoints Phone, email, client portal, mobile app Phone, email, client portal, mobile app
Upfront Fee Contact company for complete pricing information $119 to $149
Monthly Fee One option costs $99.95, contact company for complete pricing information $69 to $149

Looking at’s plans and services, it seems to provide much better value than competitors do, especially considering the offering of credit monitoring as well. However, we’re highly concerned with the volume of customer complaints and’s history of facing legislation from the Consumer Financial Protection Bureau. It’s best to proceed with caution with this company.

How We Review Credit Repair Companies

We assess a variety of factors to review credit repair companies, using a quantitative scoring system to assign each a total score out of five possible points. Our method looks at the services offered by each company, including the number and variety of plans available and their value in terms of pricing. We also look at each company’s reputation among customers and with third-party agencies such as the Consumer Financial Protection Bureau. Finally, we walk through the customer purchasing experience to see what you can expect if you decide to enroll in credit monitoring services.

Learn more: Read our full Credit Repair Review Methodology here.

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

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

  3. Google Play. "CreditRepair."

  4. Apple App Store. "CreditRepair."

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

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

  7. U.S. House of Representatives. "Subchapter II–A—Credit Repair Organizations."