Review (2023): Price, Results, & What We Like

Written by Kim PinnelliUpdated: 6th Feb 2023
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Did you know almost 25 percent of Americans have errors on their credit report? Those errors could cost you the loan you need, the low mortgage rates available today, or even that job you have always wanted.

What should you do if there are errors on your credit report?

You must dispute them with the credit bureaus. I will not lie – it’s a long and tedious process. It is well worth hiring a credit repair company to do the work for you.

Throughout the entire process, the best credit repair companies will guide you in the right direction and do almost all the work for you. This freedom and peace of mind are hard to beat. is one such credit repair company. Are they up to the task? Check out my review below.

What Is is a credit repair company. This means they dispute negative information on your credit report for you.

They’ve been in business since 2012 and have helped remove more than 1.8 million negative items and processed 19 million disputes since then.

What Does Do? helps repair your credit. They do so by disputing unfair or inaccurate information on your credit report.

Is it something you could do yourself?

Sure, if you have the time, patience, and understanding that the professionals have.

Chances are you don’t have any of those things though because fixing your credit is no joke! Credit repair is a long process.

Creditors and even the credit bureaus don’t just roll over and change your credit. You must provide ample proof and word your disputes just right to see changes.

So, what does do? They use three simple steps:

1. Analyze Your Credit Report

First, they analyze your credit report. In other words, they use their expertise to determine which trade lines they could dispute.

They’ll look for inaccuracies (wrong balance or payment amounts, incorrect dates, misspelled names, and transposed numbers, just as a few examples).

2. File Disputes with All Three Credit Bureaus

Once they create a game plan with you regarding which accounts, they’ll dispute, they’ll formally file the disputes on your behalf.’s professionals have extensive experience writing killer dispute letters that work.

They do not copy and paste the same letter repeatedly. Instead, they customize each letter to your needs, so you get the best response.

Additional Resource:

3. Offers Robust Credit Education Resources shares its expertise with its clients to help you understand how to improve your credit score beyond credit repair.

They provide advice, articles, and videos to help you fully understand how to improve your credit score.

How Does Work?

The process is simple. You sign up, pay the initial set-up fee, and commit to a monthly plan. then accesses your credit report and creates a plan to improve your credit score.

They file the disputes and keep you ‘in the loop’ throughout the process. You have 24/7 access to your dashboard, so you always know your account status.

>> More: Learn How to Fix Your Bad Credit

What Can Remove From Your Credit Report?, like any credit repair company, can only remove any information that’s unfair or inaccurate. They cannot remove late payments just because they hurt your credit score or collections because you don’t want them there.

But they can dispute any item that is not accurate or fair. For example, if the statute of limitations is up on a collection or judgment, they can dispute it.

If they report the wrong account number on a delinquent account, they can dispute it. Here is a complete list of what will help you remove:

You get the idea – they can dispute even the smallest mistake, which is why having professionals look over your credit report often yields better results than doing it yourself.

How Much Does Cost?

  • Set Up Fee: $14.99
  • Monthly Fee: $99.95 has straightforward pricing. They have a $14.99 set-up fee which covers the cost of pulling your credit reports. They also have a monthly fee of $99.95.

With this fee, you’ll receive:

  • Goodwill Letters
  • Debt Validation Letters
  • An online dashboard you may access 24/7 to see your plan’s progress
  • Member advisors dedicated to your account
  • An online credit score analysis to help you understand how you can fix your credit score
  • Identity theft insurance
  • Monthly updates on your credit report
  • Customizable alerts so you always know the status of your credit accounts

When comparing’s fees to its competitors, their fees are a bit pricier. Theaverage cost of credit repair is roughly $79/Month with a $100 setup fee.

Pros and Cons of


  • A Simple Process: uses this simple slogan ‘Check, Challenge, Change’ so clients easily understand how they can help.
  • Substantial Educational Resources: recognizes that credit repair alone won’t increase your credit score enough. They provide ample education to help you improve your score even more.
  • Skilled Professionals: Repairing your credit is overwhelming, but’s professionals make it easy to understand and navigate. They are there for any questions you have and to help put your mind at ease.
  • Cancel At Any Time: If you are unhappy with the service or they achieved your desired results, and you no longer need it; you can cancel at any time.


  • High Cost: At $99.95 per month, it’s an expensive cost to add to your monthly bills.
  • No Guarantee: Like any credit repair, there’s no guarantee it will work. While’s professionals are excellent at what they do, no one can guarantee the disputes will work.
  • No Counseling: Aside from the education (which is great) that they provide, there aren’t any options for credit counseling.

What Results Can You Expect from

According to the Credit Repair Organization Act (CROA), no credit repair company can guarantee results. works hard to meet your needs and ensure that you have positive results, but they cannot guarantee it.

They state they have removed 1.8 million negative credit trade lines and have had more than 1 million interventions, but each case is different.

How Does Compare to Other Companies?

#1. Credit Saint (Our #1 Choice)

Credit Saint has an ‘A’ rating with the Better Business Bureau, offers a private credit repair dashboard, and a worry-free service to help you fix your credit quickly.

They offer three packages based on the number of disputes you have and the level of service (just disputes or more value-added services).

>> More: Credit Saint Review

#2. Sky Blue Credit vs.

Sky Blue Credit offers a straightforward credit repair service for one monthly fee. They also offer a 90-day money-back guarantee.

If you are unhappy within the first 90 days, you’ll receive a 100% refund. Sky Blue works with you to repair your credit, sending re-disputes as often as necessary until they get the desired results.

>> More: Sky Blue Review

#3. Lexington Law vs.

Lexington Law offers three packages, depending on the services you want. Their most popular package is their top package, however, as it provides the most education and ID protection.

Lexington Law has been in business for more than 20 years, and just last year, they removed 1.5 million negative items from clients’ credit reports.

>> More: Lexington Law Review

#4. The Credit People vs.

The Credit People has a pay-as-you-go system, or you can prepay a flat fee for six months of service, saving $74.

They have been in business for 15 years, and an average of 32 percent of their clients see an increased credit score. Their pricing is easy to understand, and they offer a satisfaction guarantee.

>> More: The Credit People Review Frequently Asked Questions

Is Safe? has a solid reputation for helping clients remove negative items from their credit reports.

As is the case for any credit repair company, do your due diligence before providing your personal identifying information.

They don’t offer a satisfaction guarantee, but they also don’t promise unrealistic results.

Does Actually Work?

Any credit repair company works only as much as the information on your credit report allows it.

If your ‘bad’ credit is due to poor financial choices, (or any credit repair company) can’t help.

If your credit report has mistaken or unfair information, though, then yes can help.

Does Offer a Guarantee? doesn’t have a guarantee. They are upfront about what they can and cannot do and offer legitimate credit repair services to help you.

If you aren’t happy, you may cancel your account at any time, but you won’t receive a refund.

How Long Does take to Repair Your Credit?

No credit repair company can tell you how long it will take to repair your credit. It depends on many circumstances. works as hard and fast as they can to dispute the unfair or inaccurate items on your credit report, though.

Is Legit?

The reviews on show that clients are happy. Of course, you should use your judgment when deciding if the company is right for you.

I recommend calling 1-855-255-0263 and speaking to a representative, so you get your own feeling.

How Do You Cancel a Membership?

To cancel your membership, call member services at 1-800-232-6499. They are available Monday – Friday 8 AM to 10 PM and Saturday 10 AM to 7 PM ET.

Bottom Line: Review

Don’t let inaccurate or unfair tradelines ruin your credit score and your financial future.

Get the results you deserve by securing the help of a reputable credit repair company. sees you through the disputes, helps you build your credit score back up, and you can cancel at any time.


To rate analysts evaluated the company’s transparency, pricing, service offerings, reputation, results, security, and online customer experience. To collect data and to provide a thorough review we utilized Google verified reviews, the Better Business Bureau, CFPB, and TrustPilot to assess the company’s performance and reputation amongst consumers. Read our editorial guidelines and credit repair methodology to learn more about our review process. 

More Credit Resources: 

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.