Review for 2021



  • Free Personalized Credit Consultation
  • Founded in 1997
  • TransUnion Credit Monitoring at No Extra Charge
  • Cost: $14.99 Setup – As Low as $99.95/mo.
  • No Contract – Cancel Service at Anytime is quickly becoming one of the most popular credit repair services for people with bad credit.

They’re designed to be a one-stop solution for customers who want credit repair and credit monitoring all-in-one.

In this review, we’ll go over their comprehensive solutions that allow people to stay on top of their credit score 24/7, even when they are away from the computer. This credit repair company is best for people who want continual information about the credit repair process. provides both 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.

While costs a little bit per month more than Lexington Law or Sky Blue Credit Repair, they do offer credit repair service and credit score monitoring all-in-one. It’s a great pick if you’re looking for both services because you’ll save a lot of money instead of signing up for each service separately.

For over 24 years, has provided customers with top quality service and helped people get their credit back on track. 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 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 of the 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 sign 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 communicates with the three major credit bureaus to confirm that the appropriate changes have occurred.

It’s a simple, straightforward credit repair 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.

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 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. While can’t offer a specific guarantee on the amount of time your credit repair will take, they do offer a transparent tracking process.

You can check on your 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 and you can even sign up for text and email alerts.

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

Does offer a guarantee?

No, there is no mention of a guarantee on their website. Results depend on how your creditors and the credit bureaus cooperate and are impossible to predict. However, says that members see an average of 7% of negative items removed each month they’re enrolled in the program.

Another statistic on their website states that some members see an average increase in 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 your negative items on your credit report appear to be accurate, there is a lot of information that goes into a single entry. checks to not only make sure your credit data is accurate, but also that it’s 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 who you think will do the best for you. During your call, you can review your specific credit and financial information and listen to each company’s approach.

You should also consider pricing and the extra perks that each credit repair company offers because different people 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. It also doesn’t matter where you live; provides credit repair services in all 50 states.

How much does it cost?

The cost is $99.95 per month, plus a one-time charge of $14.99 to obtain your credit reports. You can trust that there are never any hidden fees. These listed costs are the only ones you’ll ever pay with, which can be a huge relief if you’ve dealt with less reputable 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 their phone number?

For a free credit consultation, you can reach customer service at (855) 255-0265 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: 5:00 am to 10:00 pm MST
Sat: 7:00 am to 9:00 pm MST
Sun: 7:00 am to 8:00 pm MST

How do I cancel with

You can cancel anytime with no further obligation. There are no contracts or pre-set obligations so it’s quite easy to do. 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.

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