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360 Credit Consulting

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4.6

Overall Score

LAST UPDATED: November 9th, 2023

360 Credit Consulting provides customized credit repair services to clients with varying credit repair needs. 

Potential clients are able to receive a free credit analysis before they decide to sign up for the company's credit repair program. 

360 Credit Consulting gives clients dedicated credit specialists to work with and provides clients with helpful online credit resources. The company, however, does not provide much information on its website. 

Those interested in the company's credit repair services are encouraged to take the time to contact 360 Credit Consulting directly.

Read on to learn more about 360 Credit Consulting's services and to see verified customer reviews. 

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The Good

  • Customized Credit Repair Process
  • Affordable Average Monthly Fee
  • Online Credit Education Resources
  • Available Customer Service

Customized Credit Repair Process

360 Credit Consulting offers customized credit repair plans based on clients' varying credit repair needs. The company's process includes a free credit analysis and the development of a customized credit restoration plan.

According to the company's website, the credit analysis is conducted by FICO experts. These experts evaluate clients' credit reports and make sure that they understand their credit reports.

Once clients decide to sign up for 360 Credit Consulting's services and create an account, they will receive a customized credit restoration plan. Each credit repair process is different and may take a different amount of time depending on the clients' credit repair needs. 

According to the credit repair service's website, however, most clients see positive credit score results within the first month or two after they start using the company's services.

Affordable Average Monthly Fee

360 Credit Consulting states on its website that monthly service fees vary by state and plan; however, the company does provide that most account clients pay around $69.99 per month for credit repair services. 

This monthly fee is considerably lower than what many other repair companies in the industry charge for credit repair services.

Online Credit Education Resources

Along with its credit repair service, 360 Credit Consulting also offers helpful online credit education resources that clients with bad credit can take advantage of.

360 Credit Consulting provides clients with websites and phone numbers for all three major credit bureaus, an active blog, credit score and credit rating information, and credit report information. 

Clients can use these resources to check their credit report and score and strengthen their current poor credit situations.

Available Customer Service

With 360 Credit Consulting, clients can obtain one-on-one support from a dedicated credit report specialist. These specialists stay with clients throughout the credit restoration process. 

Along with one-on-one support from credit report specialists, clients can also call the company directly whenever they need additional assistance. 

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The Bad

  • Lack of Important Website Information
  • Potential Lack of Legal Assistance

Lack of Important Website Information

Although 360 Credit Consulting does offer some website information about its repair services, potential clients will notice that the credit repair company fails to disclose a significant amount of information on its website regarding the following:

  • Refund policy
  • Signup fees
  • Exact monthly payments
  • Credit repair processes
  • Employee certifications
  • Legal assistance
  • Negative items the team disputes
  • Company history/experience in the industry

Those who wish to learn the above-mentioned information and more must directly contact 360 Credit Consulting.

Potential Lack of Legal Assistance

360 Credit Consulting does not appear to provide any legal assistance for clients' credit situations. Several other companies in the credit repair industry have at least one attorney on staff who is available to provide legal assistance to clients if needed.

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The Bottom Line

360 Credit Consulting offers consumers a free credit evaluation along with customizable credit repair action plans. Additionally, the company appears to work with all three major credit bureaus and seems to offer credit repair services at lower monthly prices than many credit repair companies in the industry. 

Along with unique credit repair plans and lower monthly fees, 360 Credit Consulting provides clients who have poor credit habits with helpful online credit resources including an updated credit blog, websites and phone numbers for all three major credit bureaus. 

The credit repair company also provides each client with important credit score and credit report information, and more to help clients learn more about credit management and to help them maintain a good credit score in the future.

360 Credit Consulting, however, does not provide much information on its website regarding any refund/money-back policy, exact monthly payments or setup fees, credit repair process details, etc. The lack of this information and the potential lack of legal assistance may lead consumers elsewhere. 

If you are interested in hiring 360 Credit Consulting to improve your credit, you should contact the company directly to obtain more detailed service information and should read several customer reviews before signing up for the company's service.

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Star Rating

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3.1

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30 Reviews

Review Breakdown

5 grade

43%

4 grade

10%

3 grade

0%

2 grade

0%

1 grade

47%

Sentiment Criteria

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