Review for 2023


  • Up to 11 challenges per month
  • Up to 2 disputes per month
  • Founded in 1997
  • Cost: $49.95/mo.
  • No contract – Cancel service at anytime is quickly becoming one of the most popular credit repair services for people with bad credit.

They offer a one-stop solution for customers who want credit repair and credit monitoring all-in-one.

For this review, we’ll go over their comprehensive solutions that allow people to stay on top of their credit score 24/7. This credit repair company is best for people who want to be kept up-to-date on the credit repair process. provides email and text alerts when significant changes are found on your credit report. Being alerted to these changes right away can ensure that false or misleading information is removed from your credit report as quickly as possible. costs a little more per month than Lexington Law, Sky Blue Credit Repair, and some other credit repair companies. However, they offer credit repair service and credit score monitoring all-in-one. It’s a great pick if you’re seeking both services because you’ll save a lot of money instead of signing up for each service separately. has been in the credit repair industry for over 24 years and has provided customers with top-quality service to help them with credit issues. They have a great customer service team and many positive reviews to prove it. Reviews from Past Clients

The following are real customer reviews from past clients.

“Thanks to, I’ve finally been able to improve my credit score and qualify for an auto loan to get a much-needed new vehicle for the family!

In just one month, I’ve had two negative items removed that were keeping me from being able to qualify for the loan that we needed. Can’t say thank you enough!” — D.D.

“We were hoping to qualify for a new home while the interest rates at the banks were low. Three charge-offs meant that we couldn’t qualify for a bank loan, and I thought we would have to give up moving into our dream home.

Working with them was the best choice that we could’ve ever made. We closed on our home three months after they cleaned up our credit report!” — T.S.

“Charge-offs from medical bills and a bankruptcy due to health issues had ruined my credit. I couldn’t qualify for even the worst credit cards, and I had many difficulties getting back on my feet. helped me turn my low credit score around and stopped the debt collectors from listing and relisting old debts. Awesome work!” — S.S. currently has a Better Business Bureau (BBB) rating of NR, which means “No Rating.” However, most customer reviews on other online review sites are overwhelmingly positive.

Frequently Asked Questions about

How does work? outlines its three-step process in simple, easy-to-understand steps: check, challenge, and change. Upon signing up, they pull your credit reports. Then, they organize it in a way that helps you identify items you want to dispute or have updated.

After reviewing your credit report summary and choosing the accounts you want to challenge, they put together a game plan to help you get your desired results. Once they have a strategy in place, they work directly with your creditors and communicate with the three major credit bureaus to confirm that the appropriate changes have occurred. offers a simple, straightforward process that keeps you involved without having to take on the weight of the individual tasks associated with credit repair.

You also receive a personal online dashboard, credit score tracker, and analysis tools to help you keep up with your credit score and continue strengthening it with your current financial habits. Moreover, they provide plenty of education on credit building, debt solutions, and budgeting.

Is available in my state?

Unfortunately, is not available in all 50 states. does not provide credit repair services to Colorado, Georgia, Kansas, Maine, Maryland, Michigan, Minnesota, Mississippi, Ohio, Oregon, South Carolina, and Wisconsin.

If you live in one of those states, check out one of our other top credit repair companies.

How long does it take them to repair my credit?

The length of the entire credit repair process depends on your goals, your credit situation, and how much work needs to be done. It also depends on how well the major credit bureaus are willing to cooperate.’s professionals get to work quickly and efficiently to repair your credit reports so that you can achieve the best results possible. can’t offer a specific amount of time your credit repair will take. However, they do provide transparent tracking.

You can check on your credit repair progress at any point by logging onto the free app for either iOS or Android. Of course, there’s also an online dashboard available where you can log in and track your progress. In addition, you can even sign up for text and email alerts.

You never have to wonder what’s happening with your credit because all the information you need is at your fingertips, day or night.

Does offer a guarantee?

No, does not offer a money-back guarantee. According to the Credit Repair Organizations Act (CROA), credit repair companies cannot guarantee results. However, some of them offer a money-back guarantee if you are not satisfied with the results.

Results depend on how your creditors and the three credit bureaus cooperate and are impossible to predict. However, says that members see an average of 7% of inaccurate negative items removed each month they’re enrolled in the program.

Some members see an average increase of 40 points over four months. Again, these numbers aren’t guaranteed but can give you an idea of realistic expectations to keep in mind when working with

consumer credit report

Which items on my credit report can be removed?

Any item that has been placed on your credit report can be removed, including the following items:

  • Late payments
  • Collections
  • Charge-offs
  • Hard inquiries
  • Judgments
  • Repossessions
  • Bankruptcies
  • Tax liens

Any accounts affected by identity theft that may be causing bad credit can be deleted from your credit report. That doesn’t mean they will be, as there are no promises or guarantees, but they absolutely can be.

Even if most of the negative items on your credit report appear to be accurate, there is a lot of information that goes into a single entry. checks to make sure your credit report is accurate, and also that the information contained in it is timely, substantiated, and fair to you. All of their work falls within your rights under the FCRA, so they can be a great resource to improve your credit score. vs. Lexington Law: Who’s better?

Lexington Law and are two of the biggest names in credit repair, so they get compared a lot. We have reviewed and presented the facts for each credit repair company, but we encourage you to give them each a call and choose which one you think will do the best for you. You can review your credit history and financial information during your call and listen to each credit repair company’s approach.

You should also consider pricing and the extra benefits each credit repair agency offers because different consumers value different services. Do your research so you can make a fully informed decision you can feel good about.

Where is located? is based in Seattle, Washington, with a few offices throughout the country. However, it’s unnecessary to visit their offices, as you may call or email their advisors from anywhere in the country.

Don’t forget, you can also access your account through your computer, smartphone, or tablet.

How much does cost?’s Direct package costs $69.95 per month, with a first-work fee of $69.95. This package includes filing disputes with the credit bureaus, credit inquiry assists, goodwill intervention, and quarterly credit score updates.

The Standard package is $99.95 per month, with a first-work fee of $99.95. It includes the same benefits as the Direct package, but you also get a FICO® Score Inquiry Assist service, which allows you to dispute inaccurate or unfair credit inquiries on your account.

The Advanced package is a monthly fee of $119.95, with a first-work fee of $119.95. It includes all the same benefits of the first two packages as well as monthly credit score updates, more credit bureau challenges, more creditor interventions, and cease-and-desist interventions with debt collectors.

The average member uses the service for six months, but it could be quicker or take longer if your credit is better or worse.

There are never any hidden fees. These listed costs are the only ones you’ll ever pay with, which can be a big relief if you’ve dealt with less reputable credit repair companies before.

Does offer a discount for family members or couples?

Yes, offers a couple’s discount of $100. You do not have to be married to the second person to receive the discount. So if you want to enroll with a friend to fix your credit scores together, you can still take advantage of these savings, and each take $50 off your first payment.

What is’s phone number?

You can reach’s customer service at (800) 232-6499 for member support during business hours. If calling after hours, you can leave a message for someone to respond to you the next business day.

What are’s call hours?

Mon-Fri: 7:00 am to 7:00 pm MST
Sat-Sun: closed

How do I cancel with

You can cancel anytime with no further obligation. There are no contracts or pre-set obligations. Once you’ve achieved the desired results, give customer service a call to let them know you’d like to cancel.

You won’t be billed further. It’s a low-pressure process once you’re ready to wrap up your credit repair journey.

Compare the Top Credit Repair Companies

Check out our other credit repair company reviews and choose the one that is right for you.