Credit Solutions of America
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About Credit Solutions of America
Credit Solutions of America is an online credit repair company that operates in Florida, Arizona, New York, California, Illinois and Texas. It offers full-service credit assistance that combines financial education and aggressive repair techniques to help consumers build a better credit history.
Pros & Cons
- Free credit consultation
- Services start at $49 per month
- Only available in six states
Credit Solutions of America is an online credit repair company that helps consumers remove negative or inaccurate items from their credit histories while teaching them healthy financial habits.
What is Credit Solutions?
Credit Solutions is an online credit repair company that offers full-service credit repair assistance to consumers in Florida, Arizona, New York, California, Illinois and Texas. If you’re interested in Credit Solutions of America’s credit repair program, visit its website to fill out the program interest application and provide the following information:
- Your name
- Your phone number
- Your email address
- Your credit goals
- How you heard about Credit Solutions
Once Credit Solutions of America has your information, one of its credit specialists reaches out to you for a free credit repair consultation. The company's employees start by looking over your credit reports and seeing how you rate with the three major credit bureaus. Credit Solutions then takes your financial situation into account and helps you come up with action items to get you on track to achieving your financial goals.
As soon as you commit to Credit Solutions’ program, its credit specialists begin repairing your credit by contesting negative or inaccurate items on your credit report.
How much does Credit Solutions cost?
Credit Solutions charges a monthly fee that starts at $49. Its credit repair program doesn’t require a contract, and customers commit to services on a month-to-month basis.
Credit Solutions has a 100% satisfaction guarantee, and it claims to only charge customers for services that it has fully rendered.
Credit Solutions FAQ
Is Credit Solutions available near me?
Credit Solutions’ services are available in Arizona, California, Florida, Illinois, New York and Texas.
How long will it take Credit Solutions to repair my credit?
According to its website, Credit Solutions’ average client finishes the program with six months.
Is Credit Solutions a good company?
Credit Solutions helps consumers in need of credit repair for a low monthly price, but its services are only available in six states and many former customers have complaints.
Is Credit Solutions legit?
Credit Solutions of America offers online credit repair services with a low monthly cost and a 100% satisfaction guarantee. If you’re on a budget and searching for a comprehensive credit repair company, Credit Solutions might be the right choice for you. However, given the widespread complaints about the company’s effectiveness and customer service, it’s worth doing your research before you commit to anything.
Credit Solutions of America Reviews
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I wasted 30 minutes of my life listening to his pitch. Money back? I'll see. He tried to upgrade me for like 79 dollars. I didn't take the offer, then he cut the price in half. I forget all the details but there were more offers like over a hundred dollars that kept getting reduced every time I refused. I finally get the booklet and he goes on for at least 3 quarters of the book telling stories and facts everyone already knows, nothings new. Then he tells you not to be late on payments and if you are ask the creditor nicely to forgive you and remove the late payment. In other words don't have late payments and if you have to borrow money to make the payments then pay your creditors.
What about the people you borrow the money from, how you going to pay them back? Oh he does point out that if there are mistake on your report file a claim to have them removed. Why didn't I think of that? Oh that's right. I didn't spend hundreds of hours of research like he did nor did I do all the networking he did. He just like all those flip this house guys who tell you nothing till they get 20 grand out of you. Save your money. He can't help you unless it has to do with emptying out your wallet.
Nearly lost our house due to them telling us "Do not pay mortgage". They lied to us about what credit cards were paid for. No responses, BBB ordered them to pay us back all monies. To date they have yet to pay the remaining 45%. We had to go into bankruptcy in 2010 due to them. Otherwise we would have been on the streets. They never talked to any of our creditors. Never Again.
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They just called me today, and if your deal was the same they are offering now, it is an excellent way to get rid of credit debt. They offer a lower interest rate (an APR that averages 6%) compared to credit card companies who often demand 18%-24%. And they did emphasize I was selected due to my good payment history, so they could rely on me to make the payments. You do not say whether you 1) did you not understand the agreement, or 2) whether it was not disclosed to you.
This is a huge difference. If you didn't understand you had to make payments, you need help with your finances. If you bought things you could not afford, or you were paying bills with credit cards when you could not afford to pay them, there are better alternatives. Try friends and family, or a church, charity or government organization, someone who can advise you for free. If they did not disclose the details, complain to the Better Business Bureau and find a lawyer who will work on commission.
After the call, they made a second call, with just five questions that ensured I understood the terms of the agreement. At the end of the first call, the adviser reviewed the same questions, and I found one detail he did not make clear. He explained it well, so by the second call I understood the terms of the deal and was able to say "yes" to each question. I do not know yet whether this is the best deal I can get, but I have 2-4 weeks before I commit, so I'll see if there are better deals elsewhere.
The only concern I have is that it took some prodding to get all the details out of the adviser. In one case, I had 2.5 months left on a zero interest deal, and at first he claimed it would be better to add that card to his offer. His explanation made no sense to me, so after several times trying to explain, he asked me to wait. A short time later, he returned, and said he spoke with his supervisor and reversed his advice, saying I should wait until the zero interest period ended, then add that balance at that time. BTW, I had found a card (Chase Slate) that offered a good deal for balance transfers. Most cards charge 3% up front to do a balance transfer, so your real interest rate is not really 0. But the the Slate card offered 12 or 18 months of zero interest with no 3% "fee".
I signed up with them several years ago and was mislead about their service. They said I didn't need to pay my credit cards and they would take money out of my account and pay my debts. Several months later I was served papers from sheriff's that I was being sued for not paying. I called credit solutions and they said they would check on it then ask me how much money I could come up with to settle it. I went thru them because I didn't have money, the whole reason I went with them. Then they blew me off after taking couple thousand dollars from me for nothing. They are nothing but crooks.
I paid, was told the total was 700 but 50 off if you make larger down payment. I paid 450 up front and the rest were smaller payment. That last payment I drag my feet paying and "Bree" from that company called me every week until I paid that last $. Once that balance was taken out of my account, I never heard from her again. I called that number several times every day for about a week until some ** lady called me back and told me that location had closed and I will be dealing with her now. I lost the number she called me from but she told me that when my credit reports come, to fax them to this number 214-233-0758 and of course I haven't seen any reports to fax them anything. I have left several messages and NO ONE has called me back and when I went to the website, they took their website down. TOTALLY RIP off and I will not let them get away with this. By all means I will take this to the fullest extent! I kept every email and recorded every call.
They act like they really want to help. They have you pay a monthly amount and they get it all over several months and believe me won’t hear from them again. They are the worthless and get your credit worse than it ever was. Bill collectors calling worse than before even though they are suppose to deal with the calls. I don’t understand how they are still in business. They’re thieves and literally steal everything.
I too enrolled with credit solution and never got anything out of it. I paid 200 dollars a month payment until I was about 2000 thousand paid in when I was subpoenaed to court with one of my bad credit cards. And then there was no help from credit solution when I needed to get out of this court case, instead I got a big bill from the bad credit card and had to make payments to them to pay them off. So now I was paying 2 places. Well I stop paying credit solution and demanded a refund of all the money I gave them because they did nothing for me but make things worse and got my credit worst. But I got nothing from them. They never answered my calls or my letters. So I too am looking to see if there is a class suit against these people that I can get in so maybe I can get some of my money returned to me. I did contact BBB but it respond that it is a close business so I got no wearer with that. So help anyone thanks
I had signed up with Credit Solutions because I had lost my job and could no longer keep up with the payments. I was told that they would settle for a lot less than what I owed. I was receiving letters from the creditors and I called Credit Solutions. They advised me to send all correspondence to them and not to worry. I kept receiving letters and finally summons from court. I called them and was furious and asked what were they doing with my money. I was told that these were tactics that creditors use to try and get me to pay up without going through Credit Solutions. I believed them. They took my money for almost 3 years and now I have to appear in court for debts that they never paid.
I heard that there was a class action lawsuit, but I cannot find any information to sign up and try to get some of my money back. I had worked really hard to establish good credit. Now the only place that would lend me money would probably be one of those cash advance places. If you have any information as to how I can join the class action lawsuit, please let me know. I have been slowly trying to pay off the smaller debts first before I move on to the larger ones. I am ruined.
I hope you all kept and printed your emails from Credit Solutions. If you did, click on the blue highlighted creditsolutions.com/service/awards (they are still out there). I've been ripped off too of $5,600 and they didn't finish the job they were paid for. What is the law going to do about them?
This involves the experiences of two people: myself and my girlfriend.
Me: I wanted to just get the credit score, without being subscribed. I didn't realize that I was subscribing, so I got charged the $30 monthly fee before I realized it. Partially my fault for not reading the fine print, but they also should have been more clear about the stipulations (I thought I was only getting a $2 charge for the credit score, not an entire subscription).
My girlfriend: She also wanted only her score, so she was going to cancel immediately once her score was given. Unfortunately, she made a mistake filling out the forms online, so her transaction got lost. She called them, and the lady on the other end assured her that her account was cancelled and that there would be no charge. Lo and behold, she found out a week later that she was charged. She called them up to get the charges removed, but no one could/would help her. After several calls, she made it to what I can only assume was a supervisor. This supervisor assured her that she'd look into it, and since all calls were recorded, she would call her in the next couple of days to confirm whether the refund was issued. A few days later and still no call, nor any refund.
This company is poorly run. The staff doesn't know what they're doing and this company is borderline a scam outfit. I think I've read emails from Nigerian Princes looking to move their vast wealth that were more trustworthy. Avoid at all costs.
Credit Solutions of America Company Information
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- Credit Solutions of America
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