credit repair review 2019 | review – June 2019

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You’ll get TransUnion credit monitoring as part of its credit repair package, but membership is pricey.

Incorrect entries on your credit report don’t just bring down your credit score — they limit your ability to apply for new credit in the future.

  • Credit report repair
  • 24/7 credit monitoring and alerts
  • Score tracker and analysis

Attempting to challenge the negative scores on your credit report on your own can be tedious and time-consuming. For a fee, you can opt to hire a credit repair service to handle the task for you.

We review the credit repair service to help you make a decision.

What is is a credit repair service based in Seattle, Washington, with additional offices in Utah and Arizona. It focuses on trying to empower its customers to develop a healthy relationship with their credit and pursue their financial dreams.

In addition to a free personalized credit consultation for new customers, also includes TransUnion credit monitoring with its service.

Product details

Initial fee$0
Monthly fee$99.95
BBB ratingNo Rating (NR)
Fee to access credit report$14.99
Money-back guaranteeNo
Credit monitoringTransUnion
Free credit consultationIncluded in membership
Customer serviceCall 866-268-6975 or email

Features and benefits claims that most of its customers see an average 40-point increase in their TransUnion credit score within four months of membership.’s service also comes with the following membership perks:

  • No setup fee. Unlike many of its competitors, there’s no setup fee associated with this provider’s service.
  • TransUnion credit monitoring. Offers 24/7 credit monitoring through credit reporting agency TransUnion as part of its credit repair service.
  • Mobile app. Download’s mobile app to keep track of your progress on the go.
  • Text and email alerts. Sign up to receive text and email alerts about changes to your credit and updates on your report.
  • Personal online dashboard. Check out what moves are being made to improve your credit by logging in.

How much does it cost?

Initial set-up fee$0
Credit report fee$14.99
Monthly membership fee$99.95

How long does take to improve my credit?

The length of time it takes to improve your credit score will depend on your individual credit situation, including the number of inaccurate marks on your record and how long it takes for your creditors to respond.

This is one of the reasons can’t guarantee you’ll see your score improve within a specific time frame. However, it does suggest that most of its customers see their scores go up by an average of 40 points within four months of using its service.

How do I sign up?

  1. Go to’s site and click Get Started.
  2. Enter your full name, home address, email address and phone number. Click Go to Step 2.
  3. Enter your payment information. Click Go to Confirmation.

Once you’ve submitted your payment information, a agent contacts you to help you access your credit report. You can then monitor the progress of your service through your online account or by downloading the mobile app.

How do I cancel with

To cancel your service with, call 800-232-6499 on a weekday from 8 a.m. to 10 p.m. ET or Saturday from 10 a.m. to 7 p.m. ET.

What to watch out for

While credit monitoring and online account access help keep you in the loop,’s service isn’t without its pitfalls:

  • High prices. While’s service offers more features than most, its monthly membership fee is high compared to its competitors.
  • Credit report fee. Some credit repair services include your credit report fee in the cost of your membership, but charges $14.99 to pull your credit report.
  • No guarantees. Like all other credit repair services, can’t guarantee that your credit score will improve.

What should I be paying for credit repair?

Compare with other credit repair services

Details Features
Self Lender — Credit Builder Account
Self Lender — Credit Builder Account
Savings account that helps you build credit.
  • No hard credit inquiry
  • Available in all 50 states
  • It typically takes 60 days for new accounts to appear on credit reports
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The Credit People
The Credit People
Professionals work with you to clean up your credit and raise your credit scores. Cancel anytime.
  • 7-day trial for $19
  • Get access to your credit reports
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Online credit repair service.
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CuraDebt: Tax Debt Relief Free Consultation
CuraDebt: Tax Debt Relief Free Consultation
Debt relief professionals helping individuals and small businesses nationwide.
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  • 15+ years experience
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The Credit Pros: Legal Credit Repair
The Credit Pros: Legal Credit Repair
Online credit repair service that gives free consultations.
  • Unlimited disputes to help clean up your credit
  • Monitor your credit with real-time alerts
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  • Updated credit report and score each month
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Lexington Law Credit Repair
Lexington Law Credit Repair
Law firm that specializes in credit repair.
  • Remove incorrect listings from your credit file
  • Get free access to your credit report
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Professional credit repair service that can help you create a step by step action plan. Cancel anytime.
  • Free credit consultation
  • Over 15 years of credit repair experience
  • Get help optimizing your credit file
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Details Features
Get quarterly access to your most widely used FICO® Scores and a 3-bureau credit report
  • Get quarterly access to your most widely used FICO® Scores
  • Credit report change alerts
  • FICO® Score analysis
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Experian Credit Report
Experian Credit Report
Get your credit report and FICO score for just $1 with enrollment in Experian CreditWorks credit monitoring. Cancel anytime.
  • 3 credit reports
  • Track your FICO® score
  • Easy to use dashboard
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TransUnionCredit Report
TransUnionCredit Report
TransUnion credit score, monitoring and identity theft insurance.
  • Unlimited updates to your TransUnion credit score
  • Up to $1,000,000 in identity theft insurance
  • Personalized debt analysis
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Equifax Business Credit Monitor
Equifax Business Credit Monitor
Monitor your key business relationships to protect your company from losses.
  • Bankruptcy Alert
  • Derogatory Alerts
  • New Inquiry Alert
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$1 for a seven-day trial to get access to your credit score and credit report from TransUnion.
  • Credit reports from all 3 bureaus
  • Email alerts when your credit report changes
  • Up to $1,000,000 in identity theft insurance
Go to site More info

Is legit?

Many are wary of getting involved with a credit repair service, as these companies have been criticized in the past for false advertising.

We dug up some information about’s online reputation. Here’s what we found:

  • Better Business Bureau (BBB). is not an accredited business with the BBB, from which it receives a No Rating status. Customers report that’s alert system helps them stay on top of changes to their credit, but criticize a drawn-out cancellation process that often results in excess membership charges.
  • Trustpilot. As of July 2018, it receives a TrustScore of 8.4 out of 10. Customer reviews are mixed, with some complaining of long customer service wait times and others pleased with their improved credit scores.
  • Legal trouble. The BBB reports that on September 6, 2017, it contacted about unconfirmed claims listed on its site regarding improved credit score. The false claims have since been removed in compliance with the BBB Code of Advertising.

Customer service

You can reach’s customer service by emailing or by calling 855-255-0263. Its customer service reps are available weekdays from 7 a.m. to 12 a.m. ET, Saturdays from 9 a.m. to 11 p.m. ET and Sundays from 9 a.m. to 10 p.m. ET.

Online reviews suggest that wait times to reach customer service can sometimes be more than 90 minutes.

Is there a guarantee to fix my credit report?

No credit repair service can guarantee an improvement to your credit score as per the Credit Repair Organizations Act (CROA) of 1996. The CROA was enacted to prevent the predatory business practices and false advertising schemes often used by credit repair companies in the past.

While suggests many of its customers see an improvement to their credit score, it can’t make any promises.

Tips for increasing your credit score

Bottom line offers a number of appealing perks for those looking to better their credit scores, including credit monitoring, text and email alerts and a convenient mobile app. However, it’s more expensive than its competitors and will charge you a fee to retrieve your credit reports.

Before you select a service, explore your credit repair options to make sure you get the service that best fits your individual credit needs.

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