Last Updated:
8.9 Our Score
  • $49.95 Per Month
  • Repairing Credit Since 1997
  • 24/7 Credit Monitoring & Alerts
  • Identity Theft Insurance Included
  • Track Your Credit Score With Their Free App

Based in Florida, has locations throughout the U.S. They’ve been in business since 1997, but that doesn’t mean they’re old-fashioned. In fact, just the opposite, that 24 years of experience has put them on the cutting edge of credit repair technology. offers a free credit score tracker app for clients who prefer online and mobile communication. Plus, they also partner with Equifax and TransUnion, signaling a positive relationship with the credit bureaus — a considerable asset when it comes to getting positive results for clients like you.

What They Offer provides credit score tracking, a credit report summary, and credit repair progress updates for tech-savvy clients. Check out some of their features:

Online Dashboard

Monitor your starting credit score and its progress through this online application.

Mac iOS & Android App

Free from both app stores, you can streamline your personal online dashboard through your smartphone. This gives you access to your information, regardless of where you are.

Text & Email Alerts allows you to set up text and email alerts to give you updates on your credit repair progress. It doesn’t matter if the news is good or bad — you’ll know as soon as the information comes in.

What It Costs charges a monthly fee of $49.95 for its array of services. For this rate, subscribers gain access to a range of tools aimed at detecting and contesting credit report discrepancies. Considering the substantial advantages of elevating one’s credit score, this monthly cost can be a valuable investment for those seeking enhanced financial stability.’s three-pronged approach includes repairing past credit issues, monitoring your current credit situation, and helping you to financially prepare yourself for your future goals.

Like most other credit repair companies, you can cancel your subscription at any time without incurring any extra fees or costs. As soon as you’re satisfied with your credit scores, you can cut off your plan, no questions asked.

Frequently Asked Questions About

For this review, we’ve pulled together a list of the most common questions we receive about to help you decide if this is the right credit repair company for you.

How does repair bad credit history?

They handle all disputes on your behalf for negative, questionable items on your credit reports.

They contact your creditors directly to make sure they are operating within the Fair Credit Reporting Act (FCRA) and confirm that errors on your credit report are removed from the three major credit bureaus.

This built-in interaction takes the burden of communication with the creditors and three credit bureaus off your shoulders. In fact, the whole process is stress-free. You get both progress and verification from, which can all be monitored through their full suite of tech-friendly tracking tools. logo

In addition to credit repair, also offers resources on debt solutions, identity theft, and other personal finance topics. Stay up to date on these current issues through the Education section of the website.

You will learn more about the credit repair process. However, you’ll also learn things that you can apply to your everyday finances and that can help you maintain your credit score once you’re back on an upward trajectory.

How can I sign up to get my bad credit fixed at

You can sign up directly on the website.

You can speak to a live customer service representative and ask them any other questions you may have about their process and how they can help you fix your bad credit. Never be embarrassed or afraid to ask questions.

Credit repair is a personal journey, and you need to feel comfortable with the company you choose because you’re going to be divulging numerous details about your life. Make sure you feel a strong rapport and trust with any company before deciding.

How long does it take before I see results?

According to their website, on average people see around 7% of their negative items removed in the first month and every month thereafter another 7% reduction in their negative or questionable items.

Another statistic from the company states that members see an average increase of 40 points in four months for their TransUnion credit score. Obviously, results vary by individual, but these statistics do help give you an idea of where to set your expectations.

Does offer a guarantee? cannot legally guarantee a specific outcome due to laws within the Credit Repair Organizations Act (CROA). They are also currently not accredited with the Better Business Bureau (BBB). However, you will find plenty of reviews from many satisfied customers who have used their credit repair service.

Plus, you are free to cancel at any time with no further obligation, which speaks to their commitment to getting the job done right.

What kind of items can they remove from my credit reports?

Any negative item can be removed from your credit reports if the information is inaccurate. This includes items like bankruptcies, late payments, student loans, repossessions, paid collections, judgments, charge-offs, hard inquiries, etc.

It doesn’t matter if the entry is ‘mostly’ correct or ‘almost’ correct. Inaccurate items can be successfully challenged because your rights to an accurate credit report are protected by the Fair Credit Reporting Act (FCRA). will customize your individual strategy based on the information found in your actual credit report.

Could the negative items be added to my credit report again after they’ve previously been removed?

This is highly unlikely. Credit reporting laws make it difficult for creditors to re-add negative items that have been successfully disputed and deleted.

And since is an expert at interpreting consumer laws like the FCRA, you can feel confident that you’ll experience long-term results when you sign up for this service.

Which credit repair company is better, or Lexington Law?

While we have Lexington Law ranked #1, credit repair is a personal choice and everyone’s circumstances are different. We encourage you to take a look at several credit repair companies you are considering to find the best fit for you.

Consider factors like the range of services you’d like to receive, how and when you can access a support team member or other account information, and how much of your monthly budget you can (or want to) devote to your credit repair journey.

Where is located?

They are located in West Valley City, Utah. However, they serve most states in the U.S. and there is no need to visit them in person. Everything can be handled over the phone or internet, making it an extremely convenient service for consumers across the nation.

What are their prices? has one plan for its services. They charge $49.95 per month to repair your credit history.

This pricing structure takes out a lot of the guesswork when it comes to determining what services you should get and how much you’re willing to pay for them. With, one price gets you the whole array of credit repair services, no questions asked.

Do offer a family discount or couple’s discount?

Yes! In fact, they offer one of the deepest discounts for couples. If you sign up with a friend or a family member, you each save $50 off the first month’s payment — that’s the equivalent of a 50% discount! This is a great way for couples to prepare for their financial futures together, regardless of what stage of life they’re in.

Whether you want to buy a house or gear up for a quiet, financially stable retirement, creating a joint credit repair plan is the perfect way to get started.

Or maybe you would like to improve your credit score with the support of a friend? It’s a great bonding experience, and you always have someone to talk to about your credit who knows what you’re going through.

What are the customer service hours for

You can reach someone at to discuss your account six days per week:

Monday through Friday, 8 AM to 10 PM EST

Saturday, 10 AM to 7 PM EST

Though not open 24 hours a day, seven days a week, they still offer extremely flexible hours so that you can find a time that’s suitable with your schedule.

They know that life is hectic with work, kids, and other responsibilities, so you still get solid access throughout the majority of the week. Plus, you always have access to your account through your online login and the smartphone app.

How can I cancel my credit repair services?

Because they offer month-to-month services, you can cancel at any time by contacting the customer service reps at You never have to worry about broken contracts, fees, or penalties when you decide you’re ready to cancel your plan.

Bottom Line is ideal for tech-savvy individuals who are constantly on the go. It’s also an excellent choice for couples who want to work on their credit repair at the same time.

The monthly fee is slightly higher than some of our other favorites, but you do get many user-friendly perks that are unique to this particular company. If you want easy access to an array of online tools and data, then they could be a great choice for you.