Review for 2024

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  • Up to 2 interventions per month
  • Founded in 2012
  • Cost: $49.95/mo.
  • 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. is less expensive than Lexington Law, Sky Blue Credit Repair, and some other credit repair companies. They also offer credit repair services 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 11 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 Members

The following are real customer reviews from past members.

“I had eight negative items on my account, and within seven months, all were cleared. No hassle, no worry, it was the best experience.” — I.A.

“The company is very helpful and good with clearing up questionable negative items on your credit report. Also, they are good at explaining everything they are doing along the way. The website has plenty of tools to teach you as well as show how to keep your credit repaired.” — M.E.

“I had things on my report that had nothing to do with me. They were solely the acts of my ex. helped me work to get removed, and allowed me to move forward in my life.  Thank you,!” — M.B.

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 challenge or have updated.

After reviewing your credit report summary and choosing the accounts you would like 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 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 experienced staff get to work quickly and efficiently to help you start working to repair your credit reports, so you can achieve the best results possible. They 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.

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 inaccurate, unfair, or unsubstantiated 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 do your own research and choose which one you think will do the best for you. You can review your credit history and financial information during your free online assessment.

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 Salt Lake City, Utah, with a few offices throughout the country. However, it’s unnecessary to visit their offices, email their advisors once a member from anywhere in the country. You can also access your account through your computer, smartphone, or tablet.

How much does cost? offers its comprehensive services at an affordable rate of $49.95 per month. This monthly fee provides users with access to their suite of tools and services designed to identify and challenge inaccuracies in credit reports. Given the potential financial benefits of an improved credit score, many find this investment a worthwhile consideration in their journey to better financial health.

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.

How do I cancel with

You can cancel anytime with no further obligation. 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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Meet the author

Crediful is your go-to destination for all things related to personal finance. We're dedicated to helping you achieve financial freedom and make informed financial decisions. Our team of financial experts and enthusiasts brings you articles and resources on topics like budgeting, credit, saving, investing, and more.