Build My Scores


Overall Score

5 User Reviews

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Build My Scores Credit Services is headquartered in Plano, Texas and has been working in credit repair since 2008. They service all but four states in the United States.

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5 User Reviews

The Good

  • Money-Back Guarantee
  • Info on Credit Industry 

Another benefit that Build My Scores provides is the fact that it specialized in audits to the creditors and collection companies directly, not just the bureaus. A company explaining the ins and outs of the credit industry is a good sign that you're dealing with a company that is legitimate. It can be a red flag when a company doesn't give upfront information on the industry and what you can do on your own. Also, a money back satisfaction guarantee is a nice touch, even though not much detail is given on how long services need to be provided before you qualify. You can likely get these questions answered through a free consultation.

Money-Back Guarantee

Build My Scores aims to provide personalized service with excellent communication. If you don't see a fifty point increase in your credit score or any removal of derogatory or incorrect terms, you'll receive a refund.

Info on Credit Industry

The company provides plenty of information on the credit industry to help the customer understand why credit repair is important. This information includes summaries of credit law, credit bureaus, and different kinds of credit scores.

The Bad

  • Attorneys Only Available in Texas and Louisiana
  • Must Contact for Pricing 
  • Doesn't Serve all of U.S.

When comparing to other credit repair companies, it's nice to have prices for different plans available, and Build My Scores doesn't do that. Although you can discover your price through its free consultation, some of its larger competitors offer different plan prices upfront. Also, little information is provided on its website regarding attorney availability.

Attorneys Only Available in Texas and Louisiana

In order to qualify for any attorney assistance, regarding a client's credit repair, that individual must reside in either Texas or Louisiana.

Must Contact for Pricing

Build My Scores claims "start today for $150 or less," but it's unclear on whether that's a startup fee, a monthly fee, or a deletion fee. Three plans are offered to give you the one that's most relevant to you. However, you must contact the company through its contact page to get more pricing on those plans; other companies are more transparent with this information, and don't normally require you to call in.

Doesn't Serve all of U.S.

However, Build My Score does have other credit repair assistance across other parts of the U.S. Unfortunately, if you live in Idaho, Wisconsin, Georgia, or South Carolina, you're not eligible for any of Build My Scores services.

The Bottom Line

If you live in Idaho, Wisconsin, Georgia, or South Carolina it's probably best to seek credit repair help elsewhere. Build My Scores seems like a legitimate credit repair company in that they provide digestible information on the credit industry and how credit scores work. You can receive a free consultation and get a comprehensive analysis about your credit repair needs. However, more clarification about their money back guarantee would be helpful. In addition, presenting little pricing information without a phone call is not as ideal compared to other credit repair companies who are more transparent about service costs.

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