Review has quickly become a popular credit repair solution for those looking to undo their poor credit situation. Their service is best suited for people looking for credit repair and credit monitoring in a one-stop solution. Also, it is for those wanting to stay continuously updated on their current credit scores via an online dashboard, email, and text alerts.




Known in the industry for their helpful customer support and successful results, has been helping customers ease their credit problems since 1997. Combining their experience with technology, they provide online amenities as well as a mobile app to enhance their already excellent credit repair services. They also supplement their service with the input of consumer credit experts and credit bureaus to ensure accuracy.’s goal is much more than just repairing your current credit history. They do their best to help you develop healthy, lifelong habits that will have a lasting impact on your financial well-being.


How does’s credit repair process work?


After you sign up with, their team of experts begin by reviewing your credit report and identifying the negative items to dispute. They use a three-prong approach they call Check, Challenge, and Change:


  • Check:

    They analyze your credit report and, with your input, build a customized credit repair plan suitable for your specific situation. This might include correcting inaccurate information and identity theft issues, addressing bankruptcies and late payments, and also repairing problems related to judgments and liens.

  • Challenge:

    They then advocate on your behalf with the credit companies to challenge disputed items as well as communicate updates to the credit bureaus. At the same time, they are constantly monitoring your credit score and ensuring it is current and accurate.

  • Change:

    As your credit score improves, continues to provide you with the guidance and tools necessary to change bad credit habits into tangible progress toward your future goals.


Part of what makes so successful with their customers is their use of technology for accurate and immediate updates. Their personal online dashboard, score tracker, mobile apps, and text/email alerts allow you to keep tabs on your credit repair process at any time. The dashboard, in particular, is a powerful tool that lets you stay on top of your credit status. You also have access to a collection of credit FAQs and  live chat support. Some other features you have access to via the dashboard:


  • Your credit reports, both past and present
  • A score advisor which breaks down your credit score visually and provides suggestions for how to improve it
  • Credit alerts notify you when a problem arises
  • A status center, where you can view the number of credit items being disputed, the results for each item, the amount of items removed, and the status for each credit bureau.


What kind of results can I expect?


Past members have seen, on average:


  • a 40-point credit score gain within 4 months or less
  • 6 negative items removed from their credit reports across the 3 major credit bureaus (TransUnion, Experian, and Equifax)
  • 7% of their negative items removed from their credit reports every month
  • an average increase of 70 points after one year, a significant amount for someone who wants to apply for a mortgage or secure a better rate for their loans


Though there is no guarantee that you will see similar results, you can be sure that’s team of experts will work diligently to give you the best possible outcome for your situation.


How long does the process take?


The credit repair process is personalized for your specific circumstances. The length of time required depends on your current situation and the number of overall issues. Rest assured that the team will work efficiently to help you reach your goals as quickly as possible.


Other services


There are additional perks that are offered alongside’s standard services at no extra charge:


  • When you call, you can request a free credit consultation, which includes your credit report and credit score.
  • Upon signing up, you will also receive their TransUnion Credit Monitoring service, which, on its own, could cost more than $25 per month.
  • Not only do they focus on improving your score, but they also track and analyze the data so you can follow and understand the results as they happen.



How do I get started?


Signing up with is quick and straightforward. Simply visit them online here and complete their sign-up form. Your credit report is automatically collected.  Then the the expert team reviews your report and starts the credit repair process.


What information do I need to provide? may require the following information to supplement your credit history:


  • Social security number
  • Date of birth
  • Credit or debit card information
  • Credit report account numbers


How much does it cost? charges an initial $12.99 setup fee to acquire your credit reports, and then $99.95 per month after that.


Though the monthly cost may seem comparatively high, customers have found that the modest setup fee for obtaining their credit reports actually offsets the higher rate for 3-4 months, during which time many have already acquired an average increase of 40 points on their credit score.


Are there any discounts available? offers a $100 discount for couples.  Unmarried couples living together are eligible for this discount as well.


Does offer a guarantee? does not offer any service warranty or guarantee but the reviews show that they do have a high customer satisfaction rating as of now. As per BBB, there is government action pending against Nor are there any complaints against their advertising methods. The BBB rating for this firm is A+.


Is it easy to cancel?


There is no contract with, and you are free to cancel at any time with no further obligations.  After achieving the desired results, simply call them to cancel and you won’t be billed any further.



How do I contact’s has an easy sign up process.  It’s not necessary to talk to them in person; you can call as well as sign up online.


Their call hours are:


Mon-Fri: 8:00 am to midnight EST

Sat: 9:00 am to 7:00 pm EST

Sun: 11:00 am to 7:00 pm EST

Call now & they’ll provide you with a:

  • FREE personalized credit consultation
  • FREE access to your credit report summary
  • FREE credit report audit on all your accounts
  • FREE score evaluation & recommended solution

Visit their website to get started with your FREE consultation and credit report audit.


Advantages of


Here is a summary of the benefits of choosing


  • Have over 19 years of industry experience
  • Provide great customer support and fast results
  • Have a low initial setup fee and also straightforward pricing plan
  • Offer TransUnion credit monitoring and at no extra charge
  • Give access to online tools that help you keep track of your credit status anytime, anywhere
  • Provide features such as score tracking, alerts, and mobile apps to help you follow the credit repair process
  • There is no contract.  Cancel at anytime.
  • Have a B rating with the Better Business Bureau
  • Registered with the Department of Justice and trustworthy, ethical company




While their monthly fees seem a little higher compared to some other credit repair companies, is one of the best companies in the industry.  They provide credit repair and credit monitoring in a single solution, with a streamlined process and the highest quality of customer service.


For, changing your credit future is more than just repairing your credit history. is dedicated to helping you develop a healthier relationship with your credit.  Also, they are commited to helping you make the long-lasting lifestyle changes necessary to see your financial dreams come true.





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