Trinity Credit Services Credit Repair Review

Trinity Credit Services lacks transparency about its services and fees

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Trinity Credit Services

Trinity Credit Services

Investopedia’s Rating
3.1

Our Take

Trinity Credit Services offers useful credit repair and loan assistance services with a “no results, no charge” guarantee. The company’s website lacks some important information, however, such as service prices and extra fees.

  • Pros & Cons
  • Key Takeaways
  • Company Overview
Pros & Cons
Pros
  • Free credit report evaluation

  • Online portal for tracking progress

  • No results, no charge guarantee

  • Assistance with taking out a loan

Cons
  • Not transparent about pricing and services

  • Doesn’t serve Georgia or Massachusetts

  • No web chat customer support

Key Takeaways
  • Trinity Credit Services provides credit repair and loan assistance services, along with plenty of educational resources.
  • Prospective customers can sign up for a free credit consultation, during which a credit consultant will review their credit reports from all three credit bureaus. 
  • The company offers a “no results, no charge” guarantee, but it’s sparse on details about how to get the refund or what it charges on a monthly basis.
Company Overview

Trinity Credit Services is a credit repair company based out of Celina, Texas, that serves customers in 48 states. Founded in 2005, this company says it has helped more than 20,000 people restore and improve their credit. There are only a few customer reviews to be found online, but they’re generally positive. According to Trinity Credit Services, it offers a 100% money-back guarantee, though it does not specify the terms of this guarantee online.

  • Year Founded 2005
  • Services Offered Credit repair, loan assistance
  • First Work Fee $1.00
  • Monthly Fee Varies (Not disclosed)
  • Customer Service Phone (844-334-6844); email (info@trinitycreditservices.com)
  • Official Website https://www.trinitycreditservices.com/
Trinity Credit Services

Trinity Credit Services

Investopedia’s Rating
3.1

Trinity Credit Services works with clients to help them restore and improve their credit. Bad credit can close the door to low-rate loans and other financial products, while good credit makes it easier to take out a mortgage, open a credit card, or even secure a job or an apartment. 

Although you can dispute credit mistakes on your own, companies like Trinity Credit Services understand your rights as a consumer and will challenge credit reporting errors on your behalf. The company also provides education on maintaining good credit in the form of its credit survival guide. 

If you’re pursuing a specific goal, such as securing a mortgage or auto loan, Trinity will tailor its services to help you achieve it. Plus, the company says it can help you secure a loan through its partner lenders (though it's always a good idea to shop around on your own).

Trinity Credit Services isn’t the only credit repair company out there. If you’re looking for other options, our list of the best credit repair companies has got you covered.

Pros Explained

  • Free credit report evaluation: Trinity Credit Services will pull your credit report from all three credit bureaus and go through them with you line by line for no cost. 
  • Online portal for tracking progress: Trinity clients can log into an online portal to monitor progress and access credit education programs and webinars. 
  • No results, no charge guarantee: Trinity offers a 100% money-back guarantee, though it doesn’t specify how or when customers can request a refund.  
  • Assistance with taking out a loan: If you’re looking for a mortgage or auto loan, Trinity Credit Services can guide you through the process with its lending partners. Try our picks for the best mortgage lenders or best auto loan rates to see our favorite options.

Cons Explained

  • Not transparent about pricing and services: Unlike some other credit repair companies, Trinity Credit Services does not share information online about its costs or the full extent of its services. 
  • Doesn’t serve Georgia or Massachusetts: You can’t work with Trinity Credit Services if you’re a resident of one of these states.
  • No web chat customer support: You’ll need to call or email the company for more information, as it doesn’t offer chat through its website.

Types of Services

The main service provided by Trinity Credit Services is credit repair. It will work on your behalf to remove errors on your credit reports and educate you about how to improve your score. Here’s what you can expect if you work with this company. 

Credit Disputes 

If you sign up for the company’s credit repair package it will work on your behalf to dispute and remove errors on your credit reports; it will do this by reaching out to your creditors and the credit bureaus. This work begins within five days of enrollment. Specifically, it will take a look at negative marks that may be damaging your credit, such as: 

  • Late payments
  • Bankruptcies
  • Foreclosures
  • Auto loan inquiries
  • Charge-offs
  • Student loans
  • Repossessions
  • Collections

There’s no limit to the number of monthly disputes at your disposal. Trinity Credit Services will also send debt validation letters to your creditors to make sure debts belong to you. 

Although credit repair companies can dispute errors on your behalf, you can also file credit disputes on your own for free. And while removing mistakes can improve your credit, negative marks will likely remain if the information is accurate. 

Credit Survival Guide and Webinars 

Trinity’s educational resources may prove especially useful to customers. Trinity consultants educate customers on how to manage credit and make prudent buying decisions. The company’s online customer portal provides access to educational programs and webinars on managing credit. Plus, customers receive a credit survival guide in the mail that provides additional advice, as well as prepaid labels for forwarding any correspondence from the credit bureaus to the Trinity team. 

Loan Assistance 

If you’re looking to take out a mortgage or auto loan, Trinity Credit Services can connect you with its lending partners to help you find a loan. It’s worth noting, however, that Trinity likely receives a commission from these lenders for referring customers. Although this partnership doesn’t necessarily mean you’d be getting a bad deal, it’s still worth shopping around on your own to compare options and find the best loan for you. 

Optional Add-Ons

If you’re looking for general credit cleanup, Trinity’s primary credit repair services might be a good fit. However, you can also opt for a more customized package through its Credit Ready program, a plan that takes your specific goals into account. Through Credit Ready, Trinity Credit Services will work with you to achieve a specific outcome, such as qualifying for a home loan or auto loan, or getting a new job. 

If you’ve been denied one of these opportunities due to bad credit, Trinity Credit Services will work with you to get your credit back on track. As mentioned, it may also refer you to its affiliate lending partners, though you’re not obligated to obtain a loan from one of its partners. 

Company Features

Trinity Credit Services offers a few features that are fairly standard among credit repair companies, like its free credit report evaluation and, to a lesser extent, its money-back guarantee. But as mentioned, there aren’t any details about the guarantee online.

You or your credit consultant will start by pulling free copies of your credit reports from each of the three main credit bureaus: Equifax, Experian, and TransUnion. Then your consultant will review your reports with you, line by line. While some credit repair companies require you to sign up before you can meet with a consultant, Trinity offers this service for free upfront. 

If you sign up, you’ll gain access to an online customer portal with educational resources and webinars. The portal allows you to track your communications and other progress. The company may offer discount opportunities as well, so it’s worth asking if you qualify. 

According to customer support, credit monitoring is also included in its package, although Trinity doesn’t provide any details about this, either. 

Customer Service

The best way to get in touch with Trinity Credit Services is by phone at (844) 334-6844. You can also submit your name and email with a comment on its website contact form or by email at info@trinitycreditservices.com.

The company does not provide its business hours online, nor does it offer live web chat or a mobile app. 

Company Reputation

Although Trinity Credit Services has been around for 17 years, it only has a handful of customer reviews online. As of August 2022, its two customer reviews on Trustpilot both give the company five stars out of five. Along similar lines, 12 out of 13 customer reviews on Yelp give the company five stars, with the remaining reviewer rating it at just one star. The company has one complaint lodged against it in the Consumer Financial Protection Bureau (CFPB) consumer complaint database from 2015. The company gave a timely response and closed the complaint with monetary relief to the customer. 

If you have a complaint about a credit repair company, you can file it with the Federal Trade Commission (FTC) online or by calling (877) 382-4357.

Contract Duration

Trinity Credit Services does not specify a minimum contract duration, though its general timeline for credit improvement spans 180 days. At the 180-day mark, you’ll do a final review of your credit results and get assistance borrowing a home or auto loan, if applicable. According to the company, it offers a 100% money-back guarantee if your credit doesn’t improve. That said, the company is not very transparent about its fees, cancellation policy, or refund guidelines. 

Cost

One of the biggest downsides of Trinity Credit Services is its lack of transparency around costs. Rather than share its pricing structure on its website, like many other credit repair services, the company requires you to call and speak with a representative to learn more. 

Furthermore, according to customer support, pricing varies based on different factors. You’ll pay a minimum $1 first work fee to access your credit reports; after that, you’ll pay a monthly fee which will vary based on the contents of your credit reports. Being unable to see prices ahead of time puts Trinity Credit Services at a disadvantage when you’re shopping around for credit repair.

How to Choose a Credit Repair Company

Whether you’re borrowing a loan or choosing a credit repair company, it’s always a good idea to shop around and compare options. Here are some features to look for when deciding on a credit repair service: 

  • Costs: Before signing any contract, make sure you understand what the costs will be, including the upfront fee, monthly costs, cancellation charges, and any other fees (like extra charges for certain kinds of disputes). 
  • Credit disputing services: Look for comprehensive credit repair services, including disputes with creditors and credit bureaus, debt validation letters, and hard inquiry disputes. Find out if the company offers unlimited disputes or restricts them to a certain number each month. 
  • Credit bureau coverage: To improve all your credit reports, make sure the company covers Equifax, Experian, and TransUnion (most services do). 
  • Credit monitoring: Find out if the company provides credit monitoring or if you’ll need to sign up for a third-party service for an additional fee. 
  • Satisfaction guarantee: Find out if the company offers your money back if you’re dissatisfied with its services; some do and some don’t.  
  • Customer reviews: Websites such as Trustpilot and the CFPB can reveal real customers’ experiences with a company. 

Alternative Choices

   Trinity Credit Services AMB Credit Consultants  Sky Blue Credit 
Services Offered Free credit report evaluation
Credit disputes
Educational webinars
Loan assistance
Free credit consultation
Credit audit
Credit empowerment program
Credit dispute resolution
Professional credit analysis
Credit disputes
Score rebuilding 
Debt management program 
Max. Number of Monthly Disputes  Unlimited Unlimited  Unlimited 
Letters to Creditors/Bureaus  Credit disputes, debt validation, others not disclosed Debt validation, disputes, goodwill removal requests, cease-and-desist  Debt validation, goodwill, cease-and-desist 
Min. First Work Fee  $1  $149  $79 
Min. Monthly Fee  Varies  $99  $79 
Customer Service Platforms  Phone, email  Phone, email  Phone, email, online portal 
Final Verdict

Trinity Credit Services offers credit consultation, repair, and education to consumers in most states. With its customer-friendly free credit report evaluation and money-back guarantee, the company seems easy to work with. However, it could be more transparent about its pricing and cancellation policies. And while Trinity Credit Services can connect you with home and auto loan lenders, don’t forget it receives a commission for referring customers. It’s always a good idea to do your own research on lenders so you can find a loan that’s the best fit for you.

Trinity’s lack of transparency can make it difficult to compare its services to other companies. Browse our picks for the best credit repair companies, which are more upfront about what they offer and how much it’ll cost.

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. Trinity Credit Services. "Homepage."

  2. Trinity Credit Services. "Contact Us." 

  3. Trustpilot. "Trinity Credit Services."

  4. Yelp. "Trinity Credit Services." 

  5. Trinity Credit Services. "Credit Ready." 

  6. Trinity Credit Services. "Credit Repair." 

  7. Consumer Financial Protection Bureau. "How do I dispute an error on my credit report?"

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

  9. Federal Trade Commission. "FAQ." 

  10. Federal Trade Commission. "Report to help fight fraud."