Review 2021 Review 2021

The following is our review of’s service as a credit repair company, pros and cons of the firm, and a look at their track record through customer reviews of their credit repair services. is recognized as a popular credit monitoring agency in the industry. The firm touts a track record of successful removals of credit issues with their customers on their website.

On the other hand, a company’s self-reported results is just one factor in determining whether you should hire a firm. We’ll cover the pros and cons of what provides and evaluate its effectiveness as a credit repair company.

Let’s look at how they may differ from other credit repair organizations like Credit Saint, Lexington Law, or Sky Blue Credit. is featured in our research of the best credit repair companies

What We Like About

There are a few positive features that we appreciate about

First, they provide a straightforward website that allows viewers to easily access the information they might need or be looking for. Additionally, they display customer results and testimonials clearly and in a way that makes seeing how successful they may be very clear.

Though, note: make sure never to blindly accept a company’s self-reported testimonials. And, understand credit repair is a process that CAN be done yourself (without hiring a credit repair company).

They have an easy to understand and an intuitive 3-step process for repairing customer credit: Check, Challenge, Change.

Below we’ve listed some of the advantages of signing up with

  1. The company provides a solid record of results on their website. While all credit situations are unique, the firm’s history in the industry is worth taking into account before working with
  2. The 3-step process is very efficient and straightforward. Unlike other credit repair companies that often have complicated, hard-to-understand processes, CreditRepair’s 3-step process (Check, Challenge, Change) makes it very simple for members to understand how they will help them work to repair their credit.
  3. There is a comprehensive education section. offers an article library with hundreds of articles containing information pertaining to credit improvement, debt solutions, identity theft, loans, and savings. Members and potential members are able to gain knowledge about several things, including how bad credit may affect you, solutions for debt management, and great tips on how to save money more efficiently. Reading through a few of these information-packed articles could help answer a few questions you might have or help you to maintain a healthy financial state.

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What We Don’t Like About

Though does offer a simple process, we have a few qualms about whether this process can address every customer’s needs.

Notably: in May 2019, a suit was filed by the Consumer Financial Protection Bureau (CFPB) against Progrexion (’s parent company), relating to Telemarketing practices & the collection of upfront fees.

The website advertises other companies that they consider trusted partners, but there is very little information about the nature of the partnership or supporting information demonstrating that these companies are indeed trustworthy.

There also seems to be a lack of information about how the experts communicate with major credit bureaus so they can remove those items from your credit report.

Below we’ve listed some of the disadvantages (the cons) of signing up with

  1. You don’t know who the experts are. The website advertises “experts” but doesn’t provide information on who these people are or what makes them qualify as experts.
  2. There are no links to outside articles. That being the case, customers don’t receive an objective third-person evaluation of the site before signing up. To find objective opinions, a potential customer would have to look elsewhere.
  3. is not an accredited Better Business Bureau (BBB) member. BBB (Better Business Bureau) accreditation provides businesses with third-party validation of the company’s legitimacy and ethics. Unfortunately, is not accredited by the BBB, and has a rating of ‘F’ at the time of this review (June 30, 2019).

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Reviews and Comments

People are saying many different things about The reviews are somewhat mixed, but they seem to tend toward the negative.

Any of the negative comments stated that they didn’t receive the level of service they’d expected, or people were under the impression that there were guaranteed results.

We couldn’t find an instance on their website that says they guarantee anything, for every credit situation is unique to each individual. Reviews like this may be subjective, for someone who had received the same service could’ve felt satisfied with the results.

As for the positive reviews, most members commented about how while it might’ve taken longer than they anticipated, exceeded what they thought was possible for their credit. Others said that the service provided by lined up perfectly with their expectations, and they received exactly what they hoped to.

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Using seems to be most useful for people who need to have some unfair, inaccurate, and unverified items removed from their credit reports, and are looking to potentially increase their credit score (though, note: a credit repair company can not promise an increased score due to the credit repair organizations act).

Their services are not very extensive, but they are focused on helping you work to achieve one vital end goal.  Be sure to note that doesn’t offer credit counseling or debt consolidation. If your credit has been impacted through credible ways, they cannot help you.

If you’re unsure of whether or not you might need the help of a credit consultant, you can give a call (833-841-1600) and receive a free credit consultation.

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What Can Be Removed From Your Credit?

We all know bad credit can result in terrible interest rates from both credit cards and other loan organizations. works with the credit bureaus like Equifax, Experian, and TransUnion, and your creditors to challenge the unfair or inaccurate negative report items that affect your credit score.

They will work to ensure your credit history is up-to-date, accurate, and reflects you honestly, which in the end, can all help to potentially fix your credit.

There are a few items that might be listed on your credit report that can be challenged. These items must be inaccurate, unfair, or invalid in order to be removed:

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How Does Repair Your Credit?

When you sign up with, they immediately pull your credit report summary and organize it in a way that makes it easy to identify items that might be inaccurate, unfair, or invalid.

Focusing on these items that might be a roadblock to good credit helps them build a game plan for you that fits your personal credit needs.

They will then contact the credit reporting companies and challenge those negative items, and verify with the credit bureaus that the appropriate changes have been made to your credit report.

They will leverage every available consumer rule to protect you and make sure all the personal information on your credit report is accurate.

As you work to achieve your goals, keeps you connected to your progress with tools such as a personal online dashboard, credit score tracker and analysis, mobile apps friendly with iOS and android, and text/email alerts.

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How Much Does cost?

There are 3 packages to choose from. The cheapest package offers basic features like inquiry assists and quarterly credit score updates.

The most expensive package will provide more extensive features, like monthly score updates.

As of 3/16/21, the prices for these packages are as follows:

  • Direct – $69.95 per month, with a first work fee of $69.95
  • Standard – $99.95 per month, with a first work fee of $99.95
  • Advanced – $119.95 per month, with a first work fee of $119.95

We don’t like the extra fee for the credit report pull and believe the company should instead offer the ability for a customer to provide their own free credit report to at no charge.

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What to Expect When Signing Up

CreditRepair will contact you within 48 hours and schedule a time to discuss your credit report after it has been retrieved from the credit bureaus.

Afterward, they will follow up with you and hopefully be able to remove the negative items that were identified in the initial credit review.

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What Results Can You Expect from

CreditRepair states that they can help you repair your credit through the removal of negative items on your credit report.

They also claim that they will work to raise your credit score. On their main website, they cite that the average member receives an increase of about forty (40) points on their TransUnion credit score within just four months of signing up with the company. also advertises customized tools designed to guide individuals through the tasks and action items necessary to maintain a healthy score and see continual progress.

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Who is

Unfortunately, there isn’t a lot of information about the origins of the company.

The website lists the copyright as running from 2012-2015, so we can guess that the company began in 2012. The bio on the website gives information about the company’s mission and what distinguishes them from competitors.’s mission states, “[We] empower every individual to achieve the credit scores they deserve and enjoy a lifestyle of greater opportunity.”

Who Owns Credit

There isn’t any information about the company’s owner. However, the website contains a press release that mentions the company president, Scott Smith. appears to be based in Seattle, Washington.

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Frequently Asked Questions

Does offer a guarantee?

No, the site does not provide a money-back guarantee. What they do provide, though, are stats for the average success rate they’ve seen with past members and a free consultation.

Is it possible for deleted items to reappear on your credit report after working with

There’s nothing to indicate on the website, reviews, or third-party websites like Trustpilot, that customers have had deleted items reappear on their credit report.

However, it’s a possibility, as credit bureaus are independent of any repair service.

How long does take to repair your credit?

The length of time is dependent on the person & their unique credit situation. That holds true whether you’re hiring a company, or if you’re DIY’ing your credit repair process.

Are there discounts for couples, families, or active military? doesn’t seem to offer any of the above discounts. The only discount they offer is time-based and depends on the time of year.

What are’s hours?

Enrollment Center:
  • Monday – Friday: 7:00 AM – Midnight EST
  • Saturdays: 9:00 AM – 11:00 PM EST
  • Sundays: 9:00 AM – 10:00 PM EST
Member Services:
  • Monday – Friday: 8:00 AM – Midnight EST
  • Saturdays: 10:00 AM – 7:00 PM EST
  • Sundays: CLOSED

What is’s Phone Number?


How Do You Cancel a Membership?

To cancel your membership, contact directly using the contact information listed on the website. All you need to do is request that you no longer want to be a member.

Rating: 8.0 out of 10
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About Prevent Loan Scams

Prevent Loan Scams provides guides, reviews & information to help consumers through every restorative step of their financial journey.

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13 thoughts on “ Review 2021

  1. I’m using them now. Trying to wait 30 to 45 days for things to start getting removed. The only thing I can see is that they send out your disputes at different times so you will have to wait 6 months or so. Other than that I will wait. If it turns out bad I’ll come back and answer in the comments my whole time with them. U.S Army Soldier.

  2. Avoid at all costs! Do not use them, use one of their competitors. Any of their competitors, frankly. From the get-go, everything took forever to on-board. It took them two months to set up my account, even after badgering them about it (daily) for a month, via chat. In the 6 months that I used them, they removed but a single negative remark off of my credit. 1 out of the 20 (across the three major credit bureaus). Terrible execution on their part, from their membership correspondence to their ambiguously phrased chat responses. “We’re sorry, we really are…” or “Bear with us, we are trying hard for you…: Blah, blah, blah, blah, blah… They removed ONE SINGLE NEGATIVE REMARK IN 6 MONTHS!!! I spent over $1K using them and they did virtually nothing for me. Save your money and go elsewhere or call the credit bureaus yourself, as ALL THEY DO is challenge negative remarks. Their service is pointless and costly. I’m absolutely positive you’ll get some bureaucratic, bull crap answer from them below my review, but know this. THEY DON’T DO THEIR JOB AND THEY MAKE UP EXCUSES and their software barely functions. I complained to their IT department 10+ times and they still didn’t fix it on the 6th month of service. Just rubbish!

  3. I’ve been using there service for 6 months and since then my credit score jumped from a 500 to a 580 yes they are a hard to get anyone on the phone but they have helped me big time

  4. Do not use them! I can’t cancel my subscription to them and they won’t answer the calls, and the live agent would not cancel it for me. Big Ripoff!

  5. I have never joined but this is a scam and very expensive. $100/ month? You can do it yourself. My score is going up just by making on time payments to our van loan. You don’t need this service. It’s just like Lexington Law which I joined last year.

  6. These scammers cannot do anything you can’t do on your own! They tried to run a payment through after I canceled. Fortunately I anticipated their actions and canceled my card.

  7. This place running a true scam. I can dispute my own credit report FREE. They ask for a copy of your report then send it back to you for service if it’s too much work. Lazy RIP off attorneys!

  8. I did not sign up in the first place, just an accidental click on Transunion website, then it started to charge me without my consent. I didn’t even sign up, 24.95 dollars per month. So far for five months now, I can’t contact them, not by the fraud website. I tried to call, they promised to cancel the subscription but they didn’t. I have no idea what I should do now, it is a BIG FRAUD.

    1. Then you are NOT signed up with credit repair . Com. Their fee is $100 per month, not $24.95. And , you can call them and cancel anytime, the other testimonials that say you can’t cancel is NOT true.. I used them for 14 months yes, it cost me $1400 but my Rico went up 108 points. Unfortunately, you’re signed up somewhere else, not here.

  9. I had all of my collections removed from all three bureaus, it took 3-4 months. I’ve had some points where, they didn’t remove them but this company kept trying and now my credit score was saved.

    One con is just the cancelling is kind of impossible . One big pro, one small con. Do it.

  10. I’ve heard really good things about Thanks for the review! This has been really helpful.

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