360 Credit Consulting Review 2021

360 Credit Consulting Review 2021

Our 360 Credit Consulting review dives deep into the reasons for (and potentially against) hiring the firm for your credit repair service needs.

Bad credit history can affect numerous aspects of your life from utility bills to student loan interest rates.

We understand good credit scores equal more financial success overall.

Industry experts agree that when it comes to credit repair, many agencies can’t do anything for you that you can’t do yourself (see: how to repair your own credit).

Some research suggests that more people are realizing this and it’s hurting the credit repair industry, but there are still many solid credit repair agencies out there.

They may be one of these agencies. The company has two offices and has been operating as a small business for seven years. But despite the testimonials and industry recognition, they have practically no reviews online.

360 Credit Consulting did not rank in the top 5 in our research of the best credit repair companies.

Here’s what we were able to find out about this small business and its position in an industry with a bad reputation.

What We Like About 360 Credit Consulting

Based on their website it’s clear that 360 Credit Consulting tries to emphasize providing information and education to help their customers with collection practices, credit reporting, credit monitoring, and personal finance.

They’re right about education and information being essential to empowering consumers. It’s important for consumers to know their rights, as indicated by the FTC.

Here’s what we like.

Pro #1: Educational Resources & the Company Blog

360 Credit Consulting posts extensive information on credit best practices on their website, with few advertisements for their own services.

The information posted on their company blog is also detailed and helpful and answers common questions site visitors might have, like how to improve your credit score quickly.

Pro #2: ‘A+’ Rating with the BBB

Even though they don’t have accreditation with the Better Business Bureau (BBB), 360 Credit Consulting has an ‘A+’ rating with the agency and 8 reviews, as of the last update to this article (June 30, 2019). However, they also had three complaints with the BBB. Some people may swear by Lexington Law, however, 360 Credit Consulting is just as competitive with positive reviews, especially with their free services, in particular, their free credit repair services.

Pro #3: Simple Fee Structure

There’s only one account structure with 360 Credit Consulting, which makes it easy for customers to know what they’re paying for.

The company also says that canceling is easy. There are no fees for canceling the service, and no contracts.

Pro #4: Serve Customers Across the U.S.

360 Credit Consulting has two locations: one in Colorado and another in Texas. However, their online presence and reviews suggest they can help customers located across the United States.

The firm has a partner network across the United States. If customers in states outside the firm’s network need help, they can provide referrals.

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What We Don’t Like About 360 Credit Consulting

Unfortunately, we found a fair amount of information not to like about 360 Credit Consulting. One minor thing, off the top: the similarity in name with another credit repair company, Credit 360 Consulting.

Aside from this, it looks like the company has some practices that can put them on the wrong side of consumer laws when it comes to credit repair.

Con #1: Charging Enrollment Fees Before Completing any Work

360 Credit Consulting allows potential customers to purchase enrollment online.

Accepting payment without completing any services is strictly in violation of the Credit Repair Organizations Act.

They’re not explicitly demanding payment, but we would require some more information before letting this one pass without comment.

Con #2: Sign Up and Pay Process is Too Simple

Considering that the enrollment for these services is almost $90, and customers agree to be charged monthly once they enter their personal information like their credit card information, there should be more steps before people choose to sign up with 360 Credit Consulting.

Anyone with a credit card can sign up, even customers who might not be the best fit. Making enrollment so simple suggests the company might only care about getting money first, not helping customers.

Con #3: No Information on What Happens after Enrolling Online

We didn’t complete the enrollment process online, but at the time we wrote this article, we could have signed up for an account without anyone at the company contact us for at least a day.

Before enrolling, there should be more information for potential customers on what to expect after they sign up. This should include what happens if they sign up on a Friday night or weekend (when the office is closed).

We also were not clear on if customers still get a ‘free’ consultation if they enroll before talking to anyone at the company.

Con #4: Lack of Company Information

What we’ve heard from representatives at other credit repair agencies is true: the industry does not have the best reputation.

In light of this, we found the lack of company information on them to be concerning.

They have two offices, but it wasn’t clear if customers could visit the offices. We didn’t find any company hours, no information about the owner and CEO, or why they started the company seven years ago.

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Customer Reviews

Even though the company has been around for seven years, there aren’t many reviews about the company online.

The company’s BBB profile has eight negative reviews and three complaints.

Out of the eight reviews posted with the BBB, it looks like there has been some confusion with the company’s process to cancel and general communication.

Two people left complaints with the BBB to which the company responded. One complaint said:

“The communication has been very minimal as far as what is being done to repair or any update.”

After going back and forth via the BBB, the company gave this customer a refund on two months of service.

Reviews left on Facebook, Yelp and Google were not substantial enough to garner any valuable information.

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When To Use 360 Credit Consulting

Based on their site, the best time to use the agency may be after going through life situations that might affect your credit negatively (like a divorce or losing a job).

You may also want to contact them if you’re new to the country or don’t have any credit history. On their site, they say they can help customers open new accounts and figure out what strategy would be best for building your history.

Past clients have also reached out to 360 Credit Consulting if they have had issues with identity theft, or family issues with credit, or have had trouble with being approved for loans.

However, there are no specific circumstances that would be a reason to use 360 Credit Consulting over any other credit repair agency. If you’re considering the company, also consider doing your own credit repair.

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What Can Be Removed From Your Credit?

One of their company videos says 360 Credit Consulting can help customers remove the following inaccuracies & negative items from their credit reports:

Here’s the video:

Even though this is what they say they can help customers with, it doesn’t mean that they can always remove these accounts from all credit reports.

In general, they say they can remove errors on credit reports. The FTC also points out that this is the only type of information that can be legally removed from reports. 360 Credit Consulting is not a law firm and cannot provide legal services in regard to your credit report.

Even though you may want negative but accurate information removed from your report, it isn’t always legally possible.

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How Do They Work to Repair My Credit?

Prior to enrolling with 360 Credit Consulting, you would have had a free consultation with a personal credit specialist.

This consultation is to analyze your credit report and come up with a plan of action to achieve what you are disputing or wanting to change to result in a score increase.

After enrollment, one of their personal credit specialist gets to work “right away” to help eliminate your bad credit.

This first step involves demanding credit bureaus ‘validate and verify’ the ‘potentially erroneous’ reported accounts on your credit report.

The specialists act as “official requestors” between you and the credit bureaus (Equifax, Transunion, and Experian) and ask for validation on anything that might be wrong on your report.

360 Credit Consulting says that specialists take care of all ‘disputes, paperwork, dispute letters, and follow-up on your behalf’, so you don’t have to worry about contacting debt collectors yourself.

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How Much Does it Cost?

The cost to use 360 Credit Consulting is unclear.

However, it does say on their FAQs page that the prices vary from state to state, but most customers pay $99.99 per month.

The company also offers a free credit analysis that you can complete before enrolling for services.

There is no contract for their services, but customers generally see results in 30 to 60 days (according to the FAQs on their site).

While these results are probably not typical, customers could end up spending a minimum of $149.98 while enrolled with 360 Credit Consulting.

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What Can I Expect When Signing Up for 360 Credit Consulting?

They have a very simple sign-up process. Enrollment starts with completing an online form. The process is very similar to purchasing an item on Amazon or other online retailers.

You can add an enrollment purchase to your cart by clicking on one of the ‘Get Started’ buttons on the site.

Once on the checkout page, potential customers can fill out a form with their personal and billing information to set up the account.

After you finish the enrollment process, 360 Credit Consulting says a personal credit specialist will start working on the customer’s file. The company doesn’t provide any information on what happens after the signup process.

If you already have your credit report, you can contact a personal credit specialist for free credit analysis.

During this consultation, the specialist will provide you with a recommendation on what they can help with, an estimate on how long the program should take, and analysis of the credit report.

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What Results Can I Expect?

There isn’t much information on the website for 360 Credit Consulting, nor are there many reviews that would suggest what results in previous customers have had with the company.

Their ‘How to Fix Credit’ video (embedded below) suggests that they can help customers ‘clean up’ their credit, but they don’t actually explain what that means.

The reviews posted on their own website are overwhelmingly positive, and all suggest they can achieve the best results for all customers.

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Who Is 360 Credit Consulting?

360 Credit Consulting is a small business based out of Broomfield, Colorado. They specialize in credit repair, correction, restoration, and education.

As part of their services, they provide ‘information and education’ so that their customers can take control of their financial future.

A large part of their business is working with mortgage professionals and realtors to help consumers with qualifying for loans.

The company employs ‘FICO professionals’ to work on helping customers reach their goals and clean up their credit.

Who Owns 360 Credit Consulting?

360 Credit Consulting was started in 2010 by Alan Harrington, who still heads the company from its headquarters in Colorado.

Alan runs the small company with two main offices.

Where Is 360 Credit Consulting Located?

360 Credit Consulting has two locations: one in Broomfield, Colorado, and the other in Austin, Texas.

Based on reviews they’ve posted on their site, 360 Credit Consulting also serves customers outside of those two areas.

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Frequently Asked Questions

Does 360 Credit Consulting offer a guarantee?

It does not appear that 360 Credit Consulting offers any guarantees for their service.

One reviewer who left a complaint with the BBB seemed to think the company offered a ‘200% refund’, but Credit 360 Consulting actually offers that guarantee, which is another credit repair company with a very similar name.

Be careful to completely research the company before moving forward with enrolling. If a guarantee is important to you, consider looking at other companies that clearly back up their services.

Can deleted items reappear on my credit report after my credit is repaired by 360 Credit Consulting?

If you delete a legitimate (or, sometimes even an inaccurate) account from your credit report, it may reappear. This is true regardless of whether you do your own credit repair or hire an agency like 360 Credit Consulting to work on your credit report.

If you submit a dispute to a creditor, they have thirty days to verify the account. The account will disappear from the report after 30 days.

This at first can look like the account is deleted, but usually, creditors send accounts to bureaus every 30 days. Then, the account is re-added to the report. To a consumer that doesn’t know what’s happening, it looks like a deleted item ‘reappeared’.

If you’re working with an agency or doing your own credit repair, make sure you know what’s happening with your report. If an item does reappear it might mean that you have to submit the dispute again. Or, it could mean that they found the item accurate.

How Long Does 360 Credit Consulting Take to Repair Your Credit?

360 Credit Consulting says they cannot offer any guarantees on how long it will take for them to repair your credit if you enroll.

They also say that their clients usually see ‘drastic improvement within 30 to 60 days’.

However, completely repairing credit could take substantially longer, depending on the state of your current report and your goals.

Is There a Couples, Family or Active Military Discount?

It doesn’t look like 360 Credit Consulting offers any discounts for couples, family, friends, or active military.

The only perk available with this agency is a free consultation.

Consider asking the company for a discount if you’re focused on working with 360 Credit Consulting on your credit repair.

What Are 360 Credit Consulting’s Hours?

Their Yelp profile says their offices are open during regular business hours:

  • Monday 9:00 a.m. to 5:00 p.m.
  • Tuesday 9:00 a.m. to 5:00 p.m.
  • Wednesday 9:00 a.m. to 5:00 p.m.
  • Thursday 9:00 a.m. to 5:00 p.m.
  • Friday 9:00 a.m. to 5:00 p.m.
  • Saturday CLOSED
  • Sunday CLOSED

What is 360 Credit Consulting’s Phone Number?

Toll Free: 1 877-487-4898

How do I cancel a 360 Credit Consulting membership?

Contact your personal credit specialist by email and phone to find out about canceling your membership with 360 Credit Consulting. We recommend calling and emailing so there’s a record of when you contacted the agency to end your service.

Rating: 5.2 out of 10
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6 thoughts on “360 Credit Consulting Review 2021

  1. I keep seeing terrible reviews and do not understand why. Sometimes I think people think that raising a credit score is an overnight thing. I have been 360 Credit Consulting for six months now and my credit score has gone up by 120 points. I initially joined them to raise my score to get a mortgage loan. Well, I got the loan and am now in the process of closing on a house. Thank you 360 Credit Consulting!!

  2. I have read all kinds of reviews on this agency even before I applied I wasn’t convinced that this wasn’t a good idea once I spoke with an associate I was definitely intrigued and hopeful on my future with my credit and my dreams completely ignorant on how things work as time went on the associates treated me like I was family they trained me educated me assisted me and always keep me abreast on the reality of my actions and how things work the associates are amazing people I am so happy that I have gotten to know so many of them on my darkest moment of feeling despair on my financial situations of my past they’ve always showed me a light on how things can be figured out worked out and rectified there are no words to explain how grateful I am for the associates today I spoke with Torisa and this is not the first time she always makes me feel like I’m a family member as they all have in the past but talking to her again nothing has changed she still the same person that made me feel like family then and now. I am looking forward to receiving more help from my family agency 360 credit I thank you Torisa for today which was Valentine’s Day thank you so much for making me feel important and that I matter have a wonderful VALENTINE WEEKEND To all the associates.. and thank you so much for doing what you do and have done..

  3. Hardy is a lair he promised my husbands premium account he had signed up for and paid 500.00 upfront would be expedited. Which was a complete lie he really tried to say he was apart of amazon and they have a system that puts you ahead of everyone and can get the job done in two weeks. Then once we paid three weeks later he said well it takes the credit Bureaus up to 30 days.

  4. I am Rob Nicholson’s wife. I also used this service for a few months and cancelled because they never followed up with the statements and objectives they state in their service. I did not get penalty fees/cancellation fees because I did not turn my bank loose on them and report them to the fraud division. I believe this cancellation fee/penalty fee was a retaliatory action on their behalf.

    We are moving forward with the assistance of the Washington State Attorney General’s office.

  5. We signed up 2 years ago for their credit repair services after a divorce. They did NOT produce ONE result for me or my credit record. I have emailed them several times about this and they continually came up with excuses and put a task back on my plate to resolve. I finally called and emailed them in Nov 2018 to discontinue services, they continued to debit my account. I filed a claim with B of A to stop this recurring charge. They then stopped the auto-payment and then sent me a threatening email that I owned them a penalty fee (in the email called it a penalty)

    “Hello, My name is Alyssa Zike and I am on the accounting team for 360 Credit Consulting. We’ve tried reaching you regarding a notification received from your banking institution regarding your monthly fee’s with us. Please be advised that there has been an alert generated by your bank. Your account has now been placed in a delinquent status. Also please note that there is a penalty fee of $45.00 associated as well. If you have previously submitted a request to close your file with us that request has been lifted and your account will be past due and the balance will continue to accrue until we speak with you. You can reach our customer service line at 877-487-4898 If you have further questions regarding this matter. We look forward to speaking with you soon.”

    When I called to follow up with Alyssa’s email, she stated that they were going to report non-payment of this penalty fee to the credit bureaus if I did not pay it. The final cost to be rid of them was $104.99.

    I DO NOT recommend this company. Please review customer reviews first, the BBB, and report them to your state attorney general’s office if need be. We are in the process of doing that now.

  6. This is an honest review I would not give this review if it was not true. First I believe it’s a total scam. I used them for 7 months and my credit did not change at all. After I canceled the service they said I still owe them one more month and I disagreed, so I didn’t pay. They called over and over and over, totally harassment. So just paid it to get them off my back. Please do not use them, total rip.

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