Crowned Credit Reviews

Crowned Credit clients can start with a free consultation and choose from monthly or prepaid service plans. After reviewing a client’s credit reports, Crowned Credit identifies inaccurate or unverifiable items and prepares disputes with the appropriate credit bureaus or reporting agencies.

Clients may see results in 30 to 90 days, depending on the complexity of their case.

Crowned Credit offers disputes with all three major credit bureaus, along with ChexSystems disputes and stand-alone inquiry removal services. Depending on the service plan, the company may also dispute information with other reporting agencies, including Innovis and LexisNexis.

The company reviews credit reports for issues such as duplicate accounts, inaccurate balances, outdated information, fraudulent activity and unverifiable entries. It then prepares disputes with the appropriate credit bureaus or reporting agencies.

Depending on the service plan, Crowned Credit may escalate disputes by filing complaints with the Consumer Financial Protection Bureau or involving legal partners when necessary.

Crowned Credit has three plans to choose from: Essential, Accelerated and Momentum. The Essential and Accelerated plans are billed monthly and can be canceled at any time, while the Momentum plan requires a one-time payment.

Plan features

Crowned Credit plans differ primarily in the level of dispute support, processing priority and the types of reporting agencies included. All three plans include disputes with the major credit bureaus and a full credit analysis.

Crowned Credit also offers stand-alone services for inquiry removal and ChexSystems disputes. These services may appeal to clients who only need help with a specific issue rather than full credit repair support.

Crowned Credit offers two monthly subscription plans. The Essential plan costs $99 per month, while the Accelerated plan costs $199 per month. The Momentum plan costs a one-time fee of $1,095.

All plans require a SmartCredit monitoring subscription, which costs an additional $29.95 per month. Crowned Credit also offers stand-alone inquiry removal and ChexSystems dispute services for $300 each.

To qualify for Crowned Credit services, you must have errors or inaccurate information on your credit report. Valid negative marks can’t be disputed.

Yes, Crowned Credit is a legitimate credit repair company that offers nationwide credit repair and dispute services. The company is headquartered in Greensboro, North Carolina, and provides disputes with all three major credit bureaus, ChexSystems and other reporting agencies.

Crowned Credit follows federal credit repair laws, including the Fair Credit Reporting Act and the Credit Repair Organizations Act, which regulate how credit repair companies operate. The company also offers month-to-month service options with no long-term contracts and provides pricing information publicly on its website.