Credit Repair Review

Customizable credit repair for all levels of need

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overall rating

Our Take offers a broad scope of services ideal for all types of credit repair needs. However, consistently negative customer reviews should be a red flag for those considering signing up for services.

  • 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

  • Poor customer reviews

  • Lacks full pricing transparency

  • Limited monthly disputes

  • Not available in all locations

  • No money-back guarantee

Key Takeaways
  • offers three service packages. The most popular of them costs $99.95 a month.
  • Available services include credit disputes, credit monitoring, identity theft insurance, and financial planning tools.
  • The company gets overwhelmingly poor reviews from past customers and complaint agencies.
Company Overview was founded in 1997 in Salt Lake City, Utah. The company offers credit repair, credit monitoring, and identity theft protection services to customers in most locations across the United States. The company has filed more than 19 million disputes since opening its doors. Today, is owned by Progrexion, which also owns Lexington Law,, and Efolks.

  • Year Founded 1997
  • Kinds of Credit Repair Service Credit disputes, monitoring, identity theft protection
  • Fee Schedule Upfront and monthly
  • Monitoring Options In-house, additional fee
  • Customer Service Phone, email, mobile app
  • Official Website

One of the most well-known credit repair companies, has been helping consumers address credit disputes since the late 1990s. 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: Two of’s three service packages include ongoing credit monitoring and alerts.

Cons Explained

  • Poor customer reviews: gets consistently poor feedback across multiple review sources.
  • Lacks full pricing transparency: Pricing isn’t disclosed upfront on’s website, and you need to watch out for hidden fees.
  • Limited monthly disputes: Monthly disputes are limited depending on the plan you choose.
  • Not available in all locations: may be unable to offer services in your area of residence due to a lack of local legal representation. Unfortunately, the company doesn’t disclose its service areas; you’ll have to enter your address to find out.
  • 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.

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 generally positive reviews with at least four-star ratings in both app stores.

Company Reputation

From an objective standpoint,’s services appear to offer good value with a broad range of services. Unfortunately, however, many customers seem to disagree. The company has a D rating from the Better Business Bureau, 74 complaints in the past three years, and a 2.29/5 stars average rating.

More worrisome is that has been the subject of 15 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 a competitor 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 the most popular option costs $99.95 per month. They also state that there is a one-time charge of $14.99 to obtain your credit reports.

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.

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 1997 2009
Services Offered Credit repair, monitoring, identity theft protection Credit repair, monitoring, identity theft protection, financial planning
Customer Service Touchpoints Phone, email, mobile app Phone, email, client portal
Upfront Fee $70 to $120 $19 to $149
Monthly Fee $69.95 to $119.95 $19 to $149

Looking at’s plans and services, it seems to provide much better value than competitors do, especially considering the inclusion of credit monitoring and identity theft protection with premium packages. 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. Better Business Bureau. ", Inc." Accessed Apr. 5, 2021.

  2. Consumer Financial Protection Bureau. "Consumer Complaint Database." Accessed April 5, 2021.

  3. Housing Wire. "CFPB accuses two of the nation’s largest credit repair companies of tricking and cheating customers." Accessed April 5, 2021.