Review 2022 | Fees, Complaints & More provides a wide range of services to help clients improve their credit score. In this review, you will learn everything you need to know about, including their credit repair services, ratings, basic plans, and fees.

Company Background

Since its establishment in 2012, has completed 1.8 million removals from the credit reports of their members, and executed over 19 million disputes and challenges. In 2019 alone, the company made over 1 million interventions on behalf of their customers.

Reputation, Complaints & Ratings has a 4.2/5 TrustScore from TrustPilot. This score is on the higher end among credit repair companies and is based on over 600 reviews. However, the company also has 87 customer complaints filed over the last 3 years with the Better Business Bureau (BBB).

On BBB, has an average score of 1.06 out of 5 is based on 16 reviews. This score is equivalent to a “D” rating on a scale of A+ to F. Over the past 10 years, only 12 official complaints were submitted to the Consumer Financial Protection Bureau (CFPB). has fewer complaints compared to other credit repair companies.

  • Consumer Financial Protection Bureau (CFPB): 12 official complaints
  • BBB Rating: D
  • BBB Complaints: 87 complaints closed in last three years 
  • Trustpilot ⭐⭐⭐⭐⭐ (4.2/5) Based on 616 reviews
  • Consumer Affairs: ⭐⭐⭐⭐ (3.7/5) Ratings - Based on 120 Reviews  
  • Facebook: ⭐⭐⭐⭐⭐ 4.7 Ratings - Based on 547 reviews 

What Credit Repair Services Do They Offer? helps their clients improve a poor credit score. They analyze the credit report of their clients to challenge inaccurate negative items. They show exactly what’s hurting your credit score and the ways to fix it. They also send debt validation letters to the creditors. 

The company claims that past clients improved their scores by an average of 40 points over a period of 4 months. However, it is important to understand that individual results may differ. The length of your credit history, initial credit score, and ongoing credit habits can have an impact on your credit score.

Services offered by include:

Bureau Challenges

The company offers to work with the three major credit bureaus to handle any inaccurate information affecting the credit reports. They try everything possible to have the erroneous information removed.

Debt Validation sends a debt validation letter to the creditor if you have outstanding debt that is in default or is delinquent. The creditor must prove that the debt is current and belongs to you. Otherwise, the item in question may be removed from the credit report.

Goodwill Intervention helps draft a goodwill intervention letter if there are open accounts that are late. You can request the creditor to remove any late payments affecting your credit reports with this approach. For your part, you need to ensure that all future payments are made on time.

FICO Score Updates

A major benefit of becoming a member is that they regularly track and monitor your progress with FICO score updates.

Cease and Desist Intervention

You can avail of the cease-and-desist letter service offered by if any of your debt collectors is harassing you. This letter essentially asks the debt collector to stop contacting you while you work out a way to repay the debt. The letter doesn’t affect the debt status, though – you still owe the debtor money. However, the cease-and-desist letter may help reduce harassing phone calls from debt collectors.

Optional Add-On Services

Depending on the tier of service you choose, you may avail of identity theft insurance and identity theft protection, which can significantly improve your score. In case an item doesn’t belong to the credit report, can take steps to help you challenge their accuracy. They can also ask for the errors to be removed. offers certain unique and individual features that set them apart from other alternatives:

  • Free consultation for credit repair: You can avail a free online credit consultation before you become a member to identify the negative items that are impacting your credit report.
  • Credit monitoring: It is easy to review your scores and credit reports through the online account.
  •  Educational materials: The company offers informational tools and articles to help you boost your credit. The credit score simulator shows the impact of different actions on the credit score. doesn’t offer 24/7 customer support, which is available only during business hours Monday through Friday (MST time). You do get access to their mobile app which can be used for monitoring your progress and managing the account.

Basic Plans

There are three tiers of service offered by

Direct Package

The Direct Package starts from $69.95 per month and includes the following services:

  • Bureau challenges
  • Inquiry assists
  • Goodwill intervention
  •  Quarterly credit score updates

Standard Package

The second-tier costs $99.95 per month and includes all the same benefits as the Direct Package and then some. It also includes the FICO Score Inquiry Assist service for disputing unfair and inaccurate inquiries on an account. The services include:

  • Bureau challenges
  • Inquiry assists
  • Goodwill intervention
  • Quarterly credit score updates
  • FICO score inquiry assist

Advanced Package

This package costs $119.95 per month with a first-work fee of $119.95. All the same benefits as the Direct and Standard package are included. You also get more bureau challenges, monthly credit score updates, and more interventions for creditors and cease and desist. Advanced package services include:

  • Bureau challenges
  • Inquiry assists
  • Goodwill intervention
  • Quarterly credit score updates
  • FICO score inquiry assist
  • Monthly credit score updates
  • More bureau challenges and interventions Fees has three fee structures depending on the tier you choose.

  • Direct package starts at $69.95 per month. There is also a one-time first work fee of $69.95. This package is recommended for clients that only have a few entries they would like to challenge.
  • Standard package begins at $99.95 per month in addition to a first work one-time fee of $99.95. This is for customers with several questionable items which need to be challenged.
  • Advanced package includes identity theft protection, credit monitoring, and monthly credit score analysis. The plan starts at $119.95 per month with a $119.95 first work fee.

What I Like About

There are several features offered by that are not commonly offered by its alternatives. These are the features that I like about the company:

  • Free credit evaluation: 

    There is free credit consultation and evaluation, which provides the information to help you get started on the credit repair process.

  • Extensive removals: 
    The company has removed 1.8 million credit items since 2012 for its members.
  • Personal online dashboard: 

    I especially like the helpful services on offer, such as continual financial monitoring and credit score tracker.

  •   Mobile credit repair app:

    You can check your financial situation through the free mobile app. The app lays out the reporting information in an easy-to-understand and simple format..

All in all, doesn’t act as a one-and-done service. You get services beyond initial disputes and interventions. You can use their app for quick access to your current financial information.

What I Do Not Like About

There have been instances in recent years in which could not do a lot for their customers. I came across a few complaints on BBB in which aggrieved customers did not get a desired resolution even after multiple complaints. In addition, there is no service guarantee. You should know that the company has a pending litigation with the CFPB.

The lack of 24/7 customer support is another deal-breaker. You cannot access any representative on weekends. You would need to wait till Monday to have your query resolved. Moreover, you cannot access their pricing options without providing your personal information first.

Is trustworthy and legitimate? has been in business for over a decade. This is a legitimate business that has helped many customers improve their credit scores by removing disputed and erroneous items. The company claims to have helped the majority of its customers improve their credit rating by 40%. However, you should be aware that there have been numerous complaints filed with the BBB and there is a pending lawsuit with the CFPB.

Are there any specific negative items which can remove from my credit history?

It is possible for credit repair organizations, such as, to remove any type of negative items from the credit reports. You may be able to have charge-offs, bankruptcies, and late payments, among others, removed from the credit report. However, it is important to understand that doesn’t offer any guarantees and there have been instances in which no items were removed.

What do I have to pay to have my late charges removed?

The company offers three tiers of service at different price levels – Direct, Standard, and Advanced. You may want to choose the most basic package (Direct) if you only have a few items that need to be removed. The different package price starts from $69.95 per month and goes up to $119.95 per month.

Is there a money-back guarantee offered by

There are no money-back guarantees offered by This can be a deal breaker for some. However, their customer service staff explained that there may be a possibility for refund if you are dissatisfied with the services offered.

How long will it take to have my credit fixed? doesn’t guarantee any results. However, 70% customers see their credit scores improve within 6 months.

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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