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123 Credit Restoration

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4.1

Overall Score

LAST UPDATED: June 9th, 2024

123Credit.US was started by a law-trained former bank attorney and a graduate of the University at Buffalo Law School in 2008. The company strives to remove all negative items and stop all creditors from collecting any money clients owe under the Fair Debt Collection Practices Act (FDCPA). 123Credit.US appears to closely follow the Fair Credit Reporting Act regarding the removal of negative items.

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The Good

  • Free Consultation
  • Legal Training
  • Reasonable Price

Free Consultation

123Credit.US offers a free consultation which involves a private assessment of each client's credit situation. The company appears to offer more personalized credit repair solutions instead of having standard credit repair plans for clients to choose from.

Legal Training

The company has a legal foundation as it was founded by a former bank attorney and law school graduate. The 123Credit.US website adds an emphasis on the company's legal focus. Many other credit repair companies either lack legal focus and/or attorneys on staff, which gives 123Credit.US a more reliable reputation.

Reasonable Price

Unlike several other credit repair companies, 123Credit.US does not require any upfront fees for its credit repair services. The company also only charges a $20 fee per deletion of each negative item, only after the item has been successfully deleted from the client's credit report.

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The Bad

  • Very Limited Website Information

Very Limited Website Information

123Credit.US lacks significant information on its website including specific credit repair process details, guarantees/refunds, contracts, staff information, the number of credit bureaus the company works with, and much more. Potential clients must contact the company directly (via phone call or online contact form) in order to receive any additional company and credit repair information.

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The Bottom Line

123Credit.US offers a free, personalized consultation, has a strong legal foundation, charges a low $20 fee per item deletion, and does not require clients to pay any upfront costs. Unfortunately, the company does lack a significant amount of website information and forces customers to contact its staff directly in order to obtain this important information.

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Star Rating

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2.6

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10 Reviews

Review Breakdown

5 grade

40%

4 grade

0%

3 grade

0%

2 grade

0%

1 grade

60%

Sentiment Criteria

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Guy

I do admit I was skeptical at first as I have tried many companies and spent a lot in monthly fees. With no great success. Then I heard about 123 credit restoration and said this is my last try. I am amazed on how fast my credit was cleaned up and how high my scores went. This was well worth what I was charged and would recommend 123 to everyone again I thank you for your help

5 years ago

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Lori Frankfort, NY

I started using this company about a month ago and my credit has already gone up 65 points. I can’t believe how fast. Any questions I’ve had they have always been available to talk to and let me know everything. Definitely would highly recommend

5 years ago

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MZiadeh Englewood, NJ

This guy is the biggest scammer! and he continues to post ads on Facebook to continue scamming people. I hired him 6 months ago to do work for one of my clients and he did nothing. He took the $500 and when I contacted him he said some negatives are removed. I check with all three credit bureaus and nothing is done. When he realized that we figured him out as a scammer, he blocked my number. He's response is going to be can I post what I did. My response is yes post it!

1 year ago

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Reply from 123 Credit Restoration

Complete lie your number is not blocked. We tried to call you. No rush times we've removed items and are not finished. You also were never charged $500. You must be talking about someone else.

Apr. 1st, 2023

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Steven W

I paid Joe $1,295 to settle on a closed account that went into collections in March 2022. This month (Nov '22) I received a wage garnishment for that account. I have a receipt for the money paid to him and text messages since March 2022 saying the money was paid out and it's taken care of. He says he will refund me but I havent received anything yet and doubt I will.

1 year ago

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Reply from 123 Credit Restoration

KEEP WRITING FALSE REVIEWS

Nov. 23rd, 2022

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Joe Blow Champlin, MN

Complete waste of my hard earned money. He harassed me for my g payments and once I paid in full he fell off the face of the earth and ghosted me, then blocked me. He did not get one dang thing removed, after emails and emails and texts promising me results in 10 days. What a joke. This guy is a scam artist please don’t be stupid like I was & can’t believe he is still in business and not in jail. He literally did nothing for me except waste my time money and stress.

2 years ago

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Reply from 123 Credit Restoration

NOT EVEN A CLIENT - FAKE PROFILE

Nov. 23rd, 2022

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Laurie Carter Concord, NC

He responds quickly until you pay him then no response once paid in full and zero results. Promised to send updates which never happened. Not one change , nothing done. Will also be filing with BBB they may not do anything but at least maybe it will save someone some $

2 years ago

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Reply from 123 Credit Restoration

NOT EVEN A CLIENT

Nov. 23rd, 2022

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Amanda Utica, NY

This company is amazing .. I keep watching my credit score go up .. I recommend this company to everyone

5 years ago

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Review Source

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anupam sumessur Curtis Bay, MD

The best credit repair company. They rebuilt my credit in a matter of 3 months and were able to remove delinquent accounts.

2 years ago Edited April 19, 2022

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Chrissy G

terrrible job, go look at this BBB reviews this is a scam. He takes money over and over and does nothing!

4 months ago

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Amanda Blackshear Decatur, GA

This man is a con artist who stole our money and never delivered any services. I will write reviews on every forum until my money is returned. He is a thief!

2 years ago

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Reply from 123 Credit Restoration

CAN WE POST YOUR RESULTS FOR WHICH YOU OWE US MONEY FOR AND WERE SENT TO COLLECTIONS FOR?

Nov. 23rd, 2022