Review 2022 | Fees, Complaints & More is a credit repair company that offers simple and affordable services. Keep reading to learn more about their services, fees, and ratings.

Company Background

Not to be confused with Credit Firm Inc., is a US-based credit repair company established in 1997. The company has helped many customers fix their credit report scores in all 50 states and Puerto Rico. is widely considered as one of the best credit repair companies because of their dedicated attorneys and managers, affordability, and excellent customer service.

Reputation, Complaints & Ratings

There are currently no complaints registered with the Consumer Financial Protection Bureau (CFPB) against However, this doesn’t necessarily guarantee the company’s good reputation. has a 3.8 Trust Score out of 5 by TrustPilot. The majority of complaints were regarding customer response time. The company claims over 100,000 satisfied customers. It has an A rating from the Better Business Bureau (BBB).

  • BBB Rating: A
  • BBB Complaints: 3 complaints closed in last three years  
  • Trustpilot ⭐⭐⭐⭐ (3.8/5) Based on 48 reviews
  • Facebook: 2100 follovers 

What Credit Repair Services Do They Offer? serves each client based on their unique objectives and needs. The company’s credit repair experts use a customized action plan to improve your score by finding, verifying, and correcting or removing negative components from your credit files.

Unlimited disputes and inquiries are sent to creditors and credit bureaus to remove the derogatory remarks from the documents. With the help of, you may be able to have the following removed from your credit report:

  • Foreclosures
  • Collections
  • Charge offs
  • Judgments
  • Repossessions

Some items are definitely easier to remove than others. For instance, foreclosures and bankruptcies can be removed from your credit reports after a lengthy process that could reach up to 10 years. has helped thousands of clients remove foreclosures and bankruptcies from their files.

The company will send a letter to your creditor requesting to remove derogatory marks if you missed a mortgage payment only once for a valid reason, such as losing your job. In certain cases, inconsistencies regarding the address, name and employment can also bring down the credit score by a few points. will review all your personal details on the credit reports.

They will search for such mistakes and have them corrected. The company’s representatives will request the creditors to change incomplete and inaccurate personal information. They will also write goodwill letters to creditors encouraging them to improve their client’s credit scores.

Debt validation is a critical service offered by There is only one basic package offered. This credit repair service is automatically included depending on the credit file needs. The company will automatically send debt validation letters to your creditors and collectors if certain types of debt show up on your report. The creditor will be responsible for proving that the debt belongs to you. pays attention to customer service and assigns a Personal Credit Consultant to each account. You will be given an in-depth legal credit audit that includes finding errors and looking over your credit reports. A detailed plan will be formulated to contact the credit bureau once complete. This will allow for changing or removing incorrect items on the credit reports.

Any erroneous credit account details, hard inquires, or personal information corrections will be identified by Customers can ask the company to send credit interventions in the form of requests and letters on their behalf. This includes cease-and-desist notices to put an end to harassing phone calls from collectors while you find a way of repaying the debt.

There is not much on offer in terms of additional credit fixing tools and features. The primary downside of is that it lacks additional products and services, including credit monitoring, identity theft protection, and mobile app credit score tracking. These are useful applications and features that are necessary to stay updated with any changes in the credit score.

Basic Plans

There is only one plan offered by You can sign up to the basic package that consists of credit disputes and credit interventions. The company will take 1-2 days before working on your credit repair plan once you sign up. All services, including debt validation, goodwill, and cease-and-desist letters are provided in unlimited quantities each month.

You don’t need to pay for multiple packages as with other credit repair companies that may offer the same services, but with a cap on it. You don’t need to pay anything additional to avail the same services with In addition, you don’t need to sign up for any long-term contract if you want to utilize their services.

All you need to do is pay a monthly fee and avail the services. You can cancel the services any time by contacting customer service. Fees doesn’t have any hidden fees or multiple tiers. There is a single monthly fee of $49.99 to avail all services offered. You don’t need to worry about initiation or first-work fee as is the case with the majority of credit repair companies.

You can save more by signing up as a couple. Couple package has a monthly membership fee of $89.99. I found that offered more discounts when you called their customer support. The first monthly fee will be charged within five days of your enrolment. This time is taken by the agent to create your credit report file and initiate an initial round of investigations.

What I Like About

There are no hidden fees charged by You won’t be bogged under multiple tiers of services. There payment plan is straightforward. This option is perfect for individuals looking for something budget-friendly without the unnecessary frills.

Another great thing about is that you are assigned a dedicated Personal Credit Consultant from day one. You don’t need to worry about staying in the dark regarding your credit score. The Personal Credit Consultant will be responsible for completing all paperwork, identifying errors and disputing items on the credit report.

There is no limit on the number of disputes and letters sent each month. This means that your credit repair process will probably be completed quickly.

What I Do Not Like About doesn’t provide any additional services. This is a major problem since you won't be able to track or stay updated with your credit score. You will need to find another credit monitoring firm, which means shelling out more money. There are no refunds or money-back guarantees offered. Most competitors offer this service.

The fact that there is only one plan on offer also means that you don’t get any customizations. You will need to look elsewhere if the services on offer don’t fit your situation.


How can I cancel my service? is one of the few credit repair companies that doesn’t have a long-term contract. You can stop the services anytime you want by not paying the next month’s membership fee. There are no penalties in canceling your membership.

Does provide debt settlement services?

Your Personal Credit Consultant may give valuable advice on negotiating with collection agencies and creditors to get the best settlement deal. The firm doesn’t offer debt settlement services. is not a debt settlement company and doesn’t contact creditors to reduce the debt or change terms.

Am I supposed to pay for the credit repair services upfront? doesn’t accept any payments in advance. All fees are chargeable in arrears. Paying upfront for credit repair services is illegal as per the Credit Repair Organizations Act (CROA). Any credit repair company that demands payments before performing services are violating the law.

Is Legal? is a legitimate credit repair company. It complies with all federal and state regulations for offering legal credit repair services. follows all guidelines stipulated by Credit Repair Organization Act (CROA), Federal Trade Commission (FTC), and the CFPB.

When will mail out letters to the credit bureaus?

Letters to credit reporting agencies – Equifax, Experian, and TransUnion are generally mailed out within the first 24-48 hours. With that said, this is only after the firm receives your credit reports.

About the author Greg Lorenzo

Greg is a financial expert who has been advising his audience on loans for over 10 years. He has a wealth of knowledge and experience in the area, and he is passionate about helping people get the best possible deal on their loans. Greg is an expert in negotiating loans, and he has a proven track record of getting his clients the best possible terms. He is also a strong advocate for financial literacy, and he regularly gives workshops and seminars on the topic.

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