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Overall Rating4.0 out of 5
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About Reviews has been offering credit repair services to consumers since 2012. Services include credit counseling, dispute resolution, debt management and identity theft protection. It is important to note that in 2019, the Consumer Financial Protection Bureau filed a complaint against for violating the Telemarketing Sales Rule.

Pros & Cons


  • Flexible payment levels
  • Military discount
  • Free evaluation


  • First-work fees

Bottom Line

Customers can choose from four pricing tiers between $49.95 to $119.95 per month. At every pricing level, disputes inaccurate and negative marks on your credit report through the three credit bureaus.

Featured Reviews

Lexington, KY

“Good payment for service. They will work with you and make sure you have the best service. The guy I spoke with was straightforward and answer all my questions and help me unders...

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“Just a great company. Kody was very nice and very knowledgeable about the org he represents. He laughs and is not a robotlike human. The entire staff is nice over the phone. I en...

Read full review

What is is a company that offers credit repair services to consumers. These services typically include assistance with disputing errors on credit reports, negotiating with creditors and collection agencies and providing educational resources and tools to help consumers improve their credit scores.

The company claims to help consumers remove negative items from their credit reports, such as late payments, collections and bankruptcies. This can help improve credit scores and make it easier to obtain loans or credit cards at favorable terms.

How does work? helps consumers dispute errors on their credit reports with the three major credit reporting agencies (Experian, TransUnion and Equifax). Depending on your situation, it can also assist with negotiating with creditors and collection agencies to try to remove or update negative items on credit reports.

The best place to start is with a free evaluation from You will need to input your Social Security number for this step, but doing so will not hurt your credit score. This evaluation will give you:

  • Your current credit score
  • A summary of negative marks on your credit
  • Recommended credit solutions

Once you sign up with, the company contacts the lenders directly to resolve negative issues. Then, it communicates with the credit bureaus to confirm that the appropriate changes have actually occurred.

It is important to note that credit repair companies can't remove accurate negative information from your credit report that is considered to be fair credit reporting — only time can do that. products and services offers four levels of service, all of which include different levels of:

  • Disputes and challenges with the three credit bureaus
  • Creditor interventions
  • ID theft insurance
  • FICO score updates
The newest level of Credit Repair Direct service is $49.95 per month and is identical to the original direct service, but it includes one less credit intervention and two fewer bureau challenges per month.
For $69.95 per month, this package comes with up to six challenges per cycle to both Equifax and TransUnion and up to three per cycle with Experian. It also comes with up to three creditor interventions per month. Customers can expect inquiry assists, goodwill intervention and quarterly score updates.
At $99.95 per month, this monthly service includes the same benefits as the direct level but includes a FICO score inquiry assist service, which allows you to dispute inaccurate or unfair inquiries on your account.
For $119.95 per month, customers receive all of the perks of the standard service, with monthly credit score updates and more bureau challenges, creditor interventions, and cease and desist interventions. fees

In addition to the monthly fees listed for each service level, also charges a first-work fee. This first-work fee amount is the same as the monthly payment, so if you sign up for the Advanced service for $119.95 per month, expect a $119.95 one-time first-work fee, too. FAQ

Are services guaranteed? is not able to guarantee results for fixing your credit or improving your credit score. There is no money-back guarantee, and you will not be able to receive a refund for services if you are unsatisfied. However, you can cancel your account any time you are unsatisfied with the service.

Does offer any discounts?

Veterans and active military can receive 50% off of their first-work fee.

How long will take to fix my credit?

There is no guarantee that can fix your credit in a set amount of time. Different customers will have different results, and for some, it will take many months to see improvement in their credit scores. reports that past customers have seen an average increase of 40 points in their scores within four months.

Is legit? is a legitimate company that offers credit repair services to consumers. It is upfront with what it can and cannot do to fix your credit situation and makes no guarantee.

Since the company started in 2012, it has had over 955,000 customers.’s pending CFPB complaint should be considered when reviewing this company. The complaint alleged that charged upfront fees for credit repair services in violation of the Telemarketing Sales Rule. Reviews

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Page 1 Reviews 0 - 10

Reviewed March 17, 2023

It's one of the more expensive credit management services, but it is the only one that actually does the work for you in challenging items on your credit. Even if the items on your credit are potentially valid, there are still 'loopholes' and ways of removing them... maybe an incorrect date of birth on file or something like that. The only reason why I am not giving them a perfect rating is that their new app is really buggy and not as sleek as something like Experian for example. For example, getting through the "Game Plan" is a bit time consuming as nothing seems to save, and you need to redo a bunch of stuff. Although they can walk you through this process on the phone or via chat, but it would have been a lot easier to just do it on the app.

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    Reviewed Sept. 23, 2022

    I signed up and quickly (same day) realized this was not what was advertised. I immediately canceled this account. It shows in my account dashboard canceled however on Sept 23rd debit card was charged $170. Called in and spoke to a rude disorganized rep who informed me I was canceled but was now being billed some late fee, and some other fee. I advised I wanted this refunded immediately and no more unauthorized charges to come out. She refused to help at all. Said they would not refund these fees. DO NOT PUT YOUR CARD INTO THEIR SITE. They will bill you what they want when it is not authorized. I am call bank to dispute all charges to this company now. Not only is the service dishonest they think they can charge your card as they please.

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    Response from

    We apologize for any inconvenience and thank you for the feedback provided. Please DM us your contact information and we'd be happy to have one of our representatives reach out to assist you. Thank you in advance for your patience.

    Customer Service

    Reviewed May 26, 2022

    Good payment for service. They will work with you and make sure you have the best service. The guy I spoke with was straightforward and answer all my questions and help me understand everything. Great service.

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    Response from

    We appreciate you sharing your experience so far. Please feel free to reach out to us whenever you need.

    Customer ServiceStaff

    Reviewed Feb. 22, 2022

    Just a great company....Kody was very nice and very knowledgeable about the org he represents..he laughs and is not a robotlike human...The entire staff is nice over the phone...I enjoy talking to them online.

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    Response from

    Thank you for the kind words. We appreciate you taking the time to leave a recommendation.

    Reviewed Jan. 18, 2022

    I was having a problem with bank overdrafts due to their fee schedule. Camilla changed my due date & lowered the fee a lot! I just checked my scores & they're better than I thought. I just got approved for a mortgage!

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    Response from

    We are so happy to hear this! Thank you for choosing us to be a part of your credit repair journey.

    Reviewed Dec. 24, 2021

    CreditRepair has been able to bring my credit score up tremendously by monitoring my credit between the three credit bureaus and resolving issues with providers. They are always available when I call; they take the time to discuss progress on my case and keep me updated. I highly recommend CreditRepair.

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    Reviewed Dec. 22, 2021

    Not only that I'm fixing my credit, in which I'm excited about it, but the Representatives are patient, helpful, hard working, they do what they say they do, fix your credit. It takes, time but they are, there on top of things. Keeping you updated on what they are doing informing you. Thank you Credit Repair.

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    Reviewed Nov. 23, 2021

    Credit repair is a excellent company to restore your credit. They work very had to satisfy their clients. Nobody will be disappointed to use this company. I’ll recommend anyone who have credit problems to contact them and not to wait anymore longer.

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    Reviewed Nov. 8, 2021

    Paid & their other company LexingtonLaw for many months with no results! I canceled both companies after paying almost a year & no results! They both kept billing my credit card. LexingtonLaw refunded my credit card for the month after I canceled. Credit repair will not refund $96.45 that they billed after canceling them!!! BEWARE!!!!

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    Reviewed Nov. 5, 2021

    It was more than just pleasant. Felt good to feel like, I was important to someone in this field. And at an affordable price. Would have to spend much more on an attorney. Again I say thank you ---- all of you.

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    ConsumerAffairs writers primarily rely on government data, industry experts and original research from other reputable publications to inform their work. To learn more about the content on our site, visit our FAQ page. Specific sources for this article include:
    1. Consumer Financial Protection Bureau, "Consumer Financial Protection Bureau Files Suit Against Lexington Law, PGX Holdings, and Related Entities." Accessed January 16, 2023. Company Information

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