Credit Assistance Network Review

Written by Kim PinnelliUpdated: 1st Sep 2021
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Choosing the right credit repair company to work with is a tough decision. To help you make this choice, we provide candid reviews of the best credit repair companies, and today is no different.

Our team spent hours researching the services offered by Credit Assistance Network. Is this a legit company? Is it worth the fee? These are all questions you are asking yourself.

Keep reading our Credit Assistance Network Review to see how this credit repair company stacks up against its competitors and whether it is worth your time.

What is Credit Assistance Network?

Credit Assistance Network is a firm that specializes in “credit improvement, not credit repair. They prefer this reference because of the fraudulent activities that take place in the credit repair industry.

Founded in 2004 by Corey Gray, Credit Assistance Network provides customers with credit improvement services you cannot find anywhere else. They are meticulous, results-oriented, and above all, transparent.

This firm takes the necessary steps and follows all financial laws to achieve extraordinary results. And by results, we mean significant credit improvements.

It should come as no surprise that the Credit Assistance Network is powered by consumer finance, debt, and credit experts who tailor their personalized insight to your unique needs.

As they tout, Credit Assistance Network can assist with any credit, debt, or loan problem you are facing. And if they cannot solve your complex problem, they will point you in the right direction.

This is the Credit Assistance Network difference. They value you as a customer and want to see you achieve your financial goals more than anything.

How Does Credit Assistance Network Work?

First things first, when you work with Credit Assistance Network, a credit specialist will review your credit report. They will thoroughly analyze your report line-by-line and will identify any and all negative items hurting your credit score.

Unlike some other credit repair services, Credit Assistance Network will identify negative items, craft a legal basis, and will file a dispute with all three credit bureaus on your behalf.

The big takeaway here is that they will leverage their knowledge of the FDCPA, FCRA, FACTA, and FCBA to protect your consumer rights.

Additionally, these laws provide you with certain rights that you can exploit to your advantage when dealing with a debt collector, financial institution, or lender. Here is a complete list of what Credit Assistance Network will help you with:

As you can see, their expertise and service offers are vast. They are truly dedicated to helping you take back your credit. And the best part about working with Credit Assistance Network is that their staff will not judge you.

They are there to help guide you in the right direction, arm you with the necessary resources, and will provide candid consultation.

By the end of your time with Credit Assistance Network, they will make sure your credit report is free of errors, inaccurately reported items, false information, and identity theft.

Related: How to Build Credit

Credit Assistance Network Standout Features:

Credit Assistance Network provides its customers with a robust credit restoration program. But that’s not all. They also arm each customer with ample resources and knowledge, so they can learn about credit, managing debt, and consumer rights.

These are all important topics to master if you want to live the financial life you deserve – one that is debt-free.

Robust Dispute Process: Multiple Steps Taken

While you can dispute an error on your credit report yourself, it can be challenging and requires persistence. On your behalf, Credit Assistance Network will write and mail tailored dispute letters to all three credit bureaus (TransUnion, Experian, and Equifax).

Apart from filing disputes with the three major credit bureaus, Credit Assistance Network will also write goodwill letters, debt validation letters, submit information requests, cease & desist letters, and will file formal complaints if they have a legal basis. These are additional tactics many will use when dealing with an aggressive debt collector or lender.

Due to their efficiency and breadth of expertise, Credit Assistance Network can dispute up to 45 items. Once they file a dispute, the credit bureau is required to investigate the issue. This process can take up to 30-days, so be patient.

Depending on the outcome of the investigation, Credit Assistance Network will either file more disputes or will escalate the issue further to the FTC, State Attorney General Office, BBB, or any other regulatory agency necessary.

Rest assured; this firm will not go down without a fight. As we said, they are deeply committed to helping you regain control of your financial life.

Related: Do Credit Repair Companies Really Work?

Secure Online Portal

As a customer, you get access to Credit Assistance Network’s exclusive online portal. From here, you will receive real-time updates, ask questions to your credit specialist, upload documents, and access to exclusive conveniences that will help you improve your credit.

Mortgage and Loan Calculators

While you can find these tools online, it is still nice to have. Credit Assistance Network provides these tools free of charge. These calculators will help you calculate your monthly payment.

Simply enter the interest rate, loan amount, and loan terms, and this calculator will spit out the exact amount you will pay each month and the date it will be paid off.

Credit Monitoring

Credit Assistance Network partnered with IdentityIQ to provide you with around the clock credit monitoring services. You will receive a credit report and scores from all three credit bureaus.

However, this service is not free. Customers are required to pay $19.99/month but can opt-out if they want to. This feature is worth considering though if you are serious about turning around your credit.

Especially in our day and age when identity theft is becoming more prevalent.

Related: Best Credit Monitoring Services

Educational Credit Blog

Credit Assistance Network routinely publishes educational content on their blog to help you master the basics of credit repair, credit, debt management, and loans.

They publish detailed guides that provide clear next steps and will help you formulate a game plan as you take back your credit. Although we are biased, we believe our blog offers deeper insight into the complex world of credit, credit repair, and investing.

Credit Assistance Network Review: Pros & Cons

Here is both the good and the bad. We provide this level detail, because you need to know the facts to make a clear decision.


  • Dedicated to seeing you succeed. You are more than just a number to them. They will provide clear next steps and tailored guidance to meet your credit needs.
  • Robust Customer Service. Credit Assistance Network is available by phone or by email. A credit specialist will answer any question you may have.
  • 90-Day Money-Back Guarantee. No commitments necessary. If you are not satisfied with the services provided (no negative items removed), they will give you your money back.
  • Complies with all rules and regulations set forth by the U.S. Government and State Governments.


  • The upfront fee and monthly subscription are expensive. You can find cheaper alternatives elsewhere.
  • Website is a bit outdated, and educational content isn’t as published as much as we would like.
  • C+ Rating with the Better Business Bureau (BBB).

How Much Does Credit Assistance Network Cost?

Credit Assistance Network charges more than their competitors; however, you pay based on performance. Individuals will pay $179/month, while couples will pay $279 (for the first payment).

After that, you will pay $50 for each negative item removed and $75 for public records.

This payment model is not the industry standard, which is why it is attractive. Most companies will charge a flat monthly fee regardless of their performance.

Here, Credit Assistance Network, put their money where their mouth is. This incentive-based payment ensures they do everything they can.

Credit Assistance Network Guarantee

Some credit repair companies will make lofty claims. Credit Assistance Network makes guarantees. This is another reason why they stand out from the pack. Here is their guarantee to each customer:

  • Unlimited Credit Bureau Disputes
  • One-on-One Consultation with a Credit Specialist
  • Assistance with Debt Validation Letters
  • Goodwill Letters
  • Cease & Desist Letters to Debt Collectors
  • 24/7 Access to Secure Client Portal

Alternatives to Credit Assistance Network

While Credit Assistance Network is certainly a strong choice, you have options. Here is who we like more.

#1. Credit Saint

When trying to repair your credit, the best option is to work with Credit Saint. They are an industry leader and pioneer when it comes to credit repair. Additionally, they are affordable, transparent, and offer a 90-day money-back guarantee.

Learn More:Credit Saint Review

#2. Sky Blue Credit Repair

Trailing Credit Saint is Sky Blue Credit Repair. They offer fast results and a low fee to get the job done. Since their founding, Sky Blue has attracted a legion of fans and are praised for their superior customer service.

Learn More:Sky Blue Credit Repair Review

#3. Lexington Law

As the oldest credit repair firm in the United States, Lexington Law offers customers a personalized experience. They bring years of experience to the table and are also fairly affordable.

Learn More: Lexington Law Review

Is Credit Assistance Network Legit?

Yes, Credit Assistance Network is a legit credit improvement company. They bring years of experience to the table and are 100% compliant with the Credit Repair Organization Act (CROA), Florida Credit Service Organization Act (FCSOA), and are members of the National Association of Credit Service Organizations (NACSO).

How to Sign Up for Credit Assistance Network

Signing up for Credit Assistance Network could not be easier. Click Here to head to their website and sign up.

Enter your first name, last name, phone number, and email address in the sign-up form and wait.

A credit specialist will reach out to you. Remember, before you make a payment, they will do a free credit report analysis.

Bottom Line: Credit Assistance Network Review

Credit Assistance Networkis more than capable of helping you improve your credit. Whether you need derogatory marks removed, debt counseling, or a tailored game plan, they do it all. While Credit Assistance Network is expensive, they guarantee results.

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Kim Pinnelli
Kim Pinnelli

Kim Pinnelli is a Senior Writer, Editor, & Product Analyst with a Bachelor’s Degree in Finance from the University of Illinois at Chicago. She has been a professional financial writer for over 15 years, and has appeared in a myriad of industry leading financial media outlets. Leveraging her personal experience, Kim is committed to helping people take charge of their personal finances and make simple financial decisions.