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LAST UPDATED: April 18th, 2023

AltoCredit Advisors has helped individuals and businesses with credit repair needs since 2011. In order to help clients reach creditworthiness, AltoCredit develops a customized plan to address credit report issues on Equifax, Transunion, and Experian. 

Each client that utilizes the AltoCredit credit repair service will have access to a free credit review and credit monitoring when services are completed. Customers are not locked into a contract and can terminate services whenever desired.

Additionally, AltoCredit offers credit-building services, helping individuals see improved credit scores rapidly. AltoCredit has the ability to backdate 24 months to get clients positive credit for rental reporting. 

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The Good

  • Performance Guarantee
  • Credit Report Item Removal
  • Credit Monitoring Services
  • Credit Builders Program

Performance Guarantee

While AltoCredit does not offer a traditional money-back guarantee, the company does offer clients a performance guarantee that also comes with financial backing. 

While some credit repair companies will refund a client if a negative item does not get removed from a credit report, AltoCredit takes it one step further with its performance guarantee: if AltoCredit fails to increase credit scores or delete negative information from credit reports after three rounds of service, the next four months of work will be free of charge. Items deleted during those four months will not be charged.

Credit Report Item Removal

Negative items on credit reports are what cause an individual or business to have a low credit score. Removing outdated or inaccurate negative information from credit reports is one of the more effective and timely ways to improve credit scores. 

AltoCredit specializes in having the following negative items removed from credit reports:

  • Collections
  • Student loans
  • Bankruptcy
  • Late payments
  • Repossessions
  • Inquiries
  • Charge-offs
  • Personal information inaccuracies

While many credit repair services will also attack these types of negative items, AltoCredit is so confident in its system that they even offer a pay after deletion platform targeting the aforementioned items.

Credit Monitoring Services

The credit monitoring service through AltoCredit allows clients to have access to daily credit monitoring. This data allows clients to see changes as they happen in real-time and be proactive in the event that something unexpected happens. Credit monitoring is not a service every credit repair company offers to clients, setting AltoCredit apart from the rest of the industry. 

Credit Builders Program

Building credit can be a tedious process, especially for renters. AltoCredit has developed a process to help people looking to build their credit from scratch. Advantages of the Credit Builders program includes the following:

  • No credit score required
  • Guaranteed approvals
  • Anytime cancellations
  • Reporting to major credit bureaus
  • Credit score improvement
  • FICO & Vantage scores improvement

Most credit repair companies are solely focused on removing negative items to bolster credit report scores. AltoCredit goes the extra mile, helping clients see positive data placed on credit reports and reflected in their scores. 


The Bad

  • Undisclosed Service Area
  • Limited Payment Structures

Undisclosed Service Area

It is unclear if AltoCredit’s services are only available within the state of New York or across the country. 

There are federal and state regulations that credit repair companies must comply with. While credit repair services are legal in most states, there are some that prohibit the credit industry. Thus, some credit repair companies operate locally, whereas some provide services nationally.

Limited Payment Structures

Credit repair companies typically offer a number of payment plans. Those in need of credit repair range in financial status, so credit repair companies adjust to meet potential clients’ needs. That being said, AltoCredit only offers the following two types of payment plans:

Pay-After-Deletion Plan

A performance-based plan that allows clients to pay on a per-item-deleted basis. There is a $199 one-time up-front service charge which goes towards credit reports being pulled and customized plans being instituted. Costs for deletions include the following:

  • Inquiries — $25
  • Collections accounts — $60
  • Charge offs — $60
  • Late payments — $60
  • Medical collections — $60
  • Student loans — $60
  • Repossessions — $125
  • Bankruptcies — $125
  • Foreclosure/short sale — $125
  • Personal information — $0

Pay-As-You-Go Plan

The pay-as-you-go plan does not require any sort of contract and clients are charged each month for work done on their behalf. There is still a $199.00 upfront service charge. This plan includes the following:

  • Credit report analysis
  • Identification of areas of improvement
  • Debt ratio review
  • Recommendations for building credit
  • Student loan assistance
  • Guidance calls and check-ins
  • Live webinar access
  • Performance guarantee

While these two plans should service many individuals in need of credit repair, not everyone will find value in these two different plans from AltoCredit. 


The Bottom Line

AltoCredit Advisors has helped both private individuals and business entities improve credit scores by removing outdated negative items from the three major credit reporting agencies — Equifax, Transunion, and Experian. AltoCredit services are designed to help businesses and people experience the benefits of positive credit scores by qualifying for loans and other financial assistance.

There are a number of negative items AltoCredit knows how to remove from credit reports. Additionally, the company offers credit monitoring and ID monitoring services to customers who have gone through the credit repair process.

While there are a number of benefits that come with AltoCredit’s service offerings, it is unclear which states that it is licensed to operate in. There are also limited payment options for clients to take advantage of. For these reasons, we suggest that prospective customers conduct further research prior to using AltoCredit, including comparing top-ranked credit repair companies. 

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