123 Credit Restoration Logo

123 Credit Restoration


star star star star_half star_border
7 User Reviews
LAST UPDATED: April 19th, 2022

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.

Top Ranked Companies


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.


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.


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.

View Best Credit Repair Companies

Was this content helpful?
thumb_up Yes thumb_down No

Star Rating


star star star star_half star_border

7 Reviews

Review Breakdown

5 grade


4 grade


3 grade


2 grade


1 grade


Sentiment Criteria


star star star star_half star_border


star star star star_half star_border


star star star star star_border


star star star star star_border

Filter by:


Sort by:


Review Source

star star star star star

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 months ago

star star star star star


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

2 years ago

star star star star star

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

3 years ago

star star_border star_border star_border star_border

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 $

5 months ago

star star_border star_border star_border star_border

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.

6 months ago

star star_border star_border star_border star_border

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!

3 months ago

star star star star star

Amanda Utica, NY

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

3 years ago