Credit Versio Review: Pros, Cons, & Fees

Written by Kim PinnelliUpdated: 14th Jan 2022
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Is your credit score holding you back from refinancing a loan or qualifying for a credit card? Maybe your bad credit score is hurting your employment opportunities, or you are tired of paying an egregious amount in the form of interest payments.

You are not alone. Across the United States, millions of Americans struggle with a bad credit score. However, when it comes to repairing your credit, you have options.

One option is Credit Versio. Keep reading our Credit Versio Review to see if this cheap credit repair software could be of service to you.

What is Credit Versio?

Credit Versio is a low fee credit repair software designed to help you file disputes with all three credit bureaus. Harnessing the power of artificial intelligence (AI), this credit repair solution is easy-to-use, cheap, and relatively quick.

It is important to note that Credit Versio is not a credit repair company. Instead, it is software that enables you to repair your credit yourself.

If you would like a little more hand-holding or would rather have an expert do it for you, check out our list of credit repair companies.

How Credit Versio Works

Using Credit Versio could not be easier. They will walk you through how to review your credit report, identify negative items to remove, and file disputes with all three credit bureaus( Experian, Equifax, and TransUnion).

Credit Versio only uses three steps.

The first thing Credit Versio will do is pull a credit report from all three credit bureaus. Next, it will sift through your credit report line-by-line identifying negative items and accounts to delete.

After a thorough review, Credit Versio will devise an aggressive dispute strategy. At no time will Credit Versio put an inquiry on your credit report.

And to help you learn about credit repair and credit in general, they give their members access to exclusive video coaching, so you can begin to build your credit.

#2. Dispute Negative Items

Credit Versio knows the difference between negative items. For example, if you are trying to remove a negative item, your dispute letter will be different from trying to remove a collection account. Here are a few items Credit Versio will help you dispute:

As they tout, “Credit Versio helps you create the right dispute to achieve a permanent deletion.” This tailored insight is hard to find in the credit repair industry, which is why this product is truly revolutionary.

While Credit Versio is certainly capable of helping you dispute inaccurately reported items on your credit report, the software will not help you write goodwill or debt validation letters

#3. Carefully Monitor Results

After you file tailored dispute letters, Credit Versio will monitor and track the progress. They will send you monthly reports highlighting which accounts have been deleted, pending action, and what your new credit score is.

Credit Versio Packages Explained

Unfortunately, Credit Versio is not free. However, it is one of the most affordable credit repairoptions currently on the market.

Here is what each Credit Versio package includes.

  • smartcredit®BASIC: $19.95/Month

This is their most basic plan; however, it still packs a punch and is more than capable of helping your successfully repair your credit. With this package, you get credit reports from all three credit bureaus, credit scores, identity theft insurance ($1m), and robust credit monitoring.

Moreover, this package includes access to the Smart Money Manager with two monthly smart credit reports and action buttons.

  • smartcredit®PREMIUM: $24.95/Month

The premium package is the most advanced solution Credit Versio offers to customers. This package includes credit reports from all three credit bureaus, credit score, identity theft insurance ($1m), and of course, credit monitoring.

However, this is where the two packages differentiate. With the premium package, you get access to the Smart Money Manager with UNLIMITED Smart credit reports and action buttons.

  • IdentityIQ Addition: $29.99/Month

While Credit Versio doesn’t provide identity theft monitoring, they do make it easy for you to sign-up for the most advanced protection services on the market.

For an extra $29.99/month you can enroll in IdentityIQ to protect your identity.

How Much Does Credit Versio Cost?

Just to recap on how much Credit Versio costs, we included the prices below one more time.

  • Basic: $19.,95/Month
  • Premium: $24.95/Month
  • IdentityIQ: $29.99/Month

When comparing Credit Versio to the industry average, it is well-below. Though it is cheaper than other credit repair companies, the experience is heavily automated, which means you will not receive tailored guidance or advice. 

How Does Credit Versio Compare to Other Companies? 

Credit Versio is not the only choice you have. In fact, there are quite a few standout credit repair companies that we recommend. Here is how Credit Versio compares to other companies. 

#1. Credit Saint (Best Overall) vs. Credit Versio

Pioneering the 90-day money-back guarantee, Credit Saint is a clear leader in the credit repair industry. With low-fees, great customer service, and proven results, Credit Saint gets our stamp of approval and highest recommendation.

Offering three packages (Clean Slate, Credit Remodel, & Credit Polish), Credit Saint will send unlimited challenges to all three credit bureaus.

Additionally, Credit Saint offers creditor interventions, Experian Credit Monitoring, credit score tracking, and inquiry targeting. So, if you are looking for a more personalized credit repair experience, then Credit Saint is worth considering. 

>> More:Credit Saint Review

#2.  Credit Versio vs. Lexington Law

Right behind Credit Saint is Lexington Law. As the Nation’s oldest credit repair company, they will protect your rights as a consumer, repair your credit, and more. Offering three packages, Lexington Law will help you file disputes, escalate disputes, and will provide guidance on what steps you need to take to successfully build your credit. 

However, it is important to note that the Consumer Financial Protection Bureau currently has an open lawsuit with Lexington Law. We currently advise staying away from this service until this legal dispute is resolved. 

>> More: Lexington Law Review

#3. Sky Blue Credit Repair vs. Credit Versio

Sky Blue is another option you have if you want fast results, a 90-day money-back guarantee, and a flat monthly fee. With one straightforward payment, Sky Blue Credit offers consumers more credit repair capabilities, a better customer experience, and a greater chance of succeeding. 

Sky Blue Credit is a great choice if you are looking for a simple solution that is affordable. Moreover, Sky Blue will not upsell you additional services or features, since they only offer one payment plan. 

>> More: Sky Blue Review

#4. Ovation Credit Services

Ovation has been helping American’s for years. A subsidiary of LendingTree (America’s largest loan comparison marketplace), Ovation can help you repair your credit and receive a loan at a favorable interest rate.

On your behalf, Ovation Credit will review your credit report, file disputes, and provide complimentary credit monitoring. They offer two straightforward plans; however, it is a bit pricey for our liking. 

>> More:Ovation Credit Services Review

Is Credit Versio a Legitimate Company?

Credit Versio is a legitimate company. Even as one of the newest credit repair solutions to enter the market, they have favorable reviews on TrustPilot.

Is Credit Versio Safe?

Yes, Credit Versio is safe. Since it is a software solution, you are in complete control. You can cancel your subscription at any time and try another service if you are not happy with the results or progress.

Will My Credit Score Improve Using Credit Versio?

Whether or not your credit score improves using Credit Versio depends on your unique credit situation.

If Credit Versio can remove negative items from your credit report, then yes, your credit score will increase. That said, results will vary per user, so it is important to go in with the right expectations.

Furthermore, repairing your credit does not happen overnight. It takes time and patience.

Bottom Line: Credit Versio Review

If you are looking for a cheap credit repair solution, then look no further. Credit Versio is the most affordable credit repair opportunity currently available.


To accurately evaluate Credit Versio we analyzed the company’s level of transparency, fees, service offerings, industry reputation, online experience, customer support, security, and results. To aide our efforts in assessing Credit Versio, we leveraged trustworthy third-party sources, such as the Better Business Bureau, verified Google reviews, TrustPilot, and the Consumer Financial Protection Bureau. Read our editorial guidelines and rating methodology for credit repair to better understand the integrity of our reviews. 

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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.