Continental Credit is a financial services company based out of Westminster, Colorado. The credit restoration company provides a customized experience for its clientele through a monthly commitment with no contract and customers may cancel anytime.

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#1

$99.95
9.4

#2

$99.95
9.0

#3

$59
8.9

#58
Continental Credit Reviews

Undisclosed
3.6

The Good

Continental Credit works with consumers to establish a customized game plan and consumer education to improve overall credit scores. The financial services company charges consumers a consulting fee and a fee per month. This credit repair company is best suited for individuals in need of long-term credit repair in the deletion of several inaccuracies or false information on their credit reports and who do not have the time to deal with these items on their own. Many benefits of this credit repair company include:

No Contracts-Cancel Anytime

There will be no penalty if a client decides to cancel services and no reason is required.

Personalized Attention From Credit Specialists

Each case that comes to Continental Credit will get a dedicated credit specialist. That means each client has a specific contact and resource working on their behalf.

Credit Education and Tips to Help Boost Overall Score

Credit repair may only be one way a client can improve their credit scores. With additional knowledge and understanding of the credit and financial landscape can help with future money decisions.

Comprehensive Credit Analysis With Customized Plan

All clients will receive a comprehensive credit analysis that will identify all areas of weakness in their credit reports.

Monitoring and Progress Tracking

Clients will be able to access their case results and track deletions done by continental credit.

The Bad

In order to fully cancel membership with Continental Credit, customers will need to call the company directly and speak with a customer service representative. If the necessary steps are not taken properly for cancellation, the consumer’s account will continue to be billed on a monthly basis. Negative concerns that have been raised by consumers regarding Continental Credit include:

No Money-Back Guarantee

If unsatisfied with the service, Continental Credit clients will not be able to get their money back.

No Licensed Attorneys on Staff

While not required by credit repair agencies, often times having an attorney on staff can help with difficult disputes.

No Customer Testimonials or Deletion Proof on Corporate Website

There is not much for prospective clients to read about in terms of previous experiences Continental Credit clients have had.

No Pricing Structure Offered to the Public on Website

There is a lack of transparency when it comes to how much the Continental Credit service will end up costing.

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The Bottom Line

Continental Credit seems to be a legitimate credit restoration company with over 9 years of experience in the financial services industry. Consumers are offered monthly plans that can be canceled anytime.

However, consumers have reported issues with billing, cancellation, and overall service delivery. Consumers are advised to review all policies carefully before the agreement to services.

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Frequently Asked Questions

How much does Continental Credit cost?

Continental Credit will consult with you about your potential case. If you decide to enroll as a customer with the company will pay a monthly fee.

Does Continental Credit allow me to enroll more than one person or my whole family?

An individual may enroll as a customer with Continental Credit, but if a second party wants to have credit repair services, he or she has to enroll separately.

How does Continental Credit repair my credit?

Everything begins with the consultation where the company will work with you to determine what types of issues are causing problems with your credit report. If you decide to use Continental Credit, the company will formulate a plan to help raise your score. The company with then begin contacting each of the three reporting bureaus to ask inaccuracies to be removed for the report.

How does Continental Credit provide credit monitoring?

The company will provide a monthly report to you as the customer to show you what items have been removed from your report and what troubling areas remain.

How long will it take before I start to see results with Continental Credit?

The company claims to be able to make changes to the customers’ credit report within as little as 30 to 45 days after enrollment. Individual cases vary, of course.

What results can I expect from Continental Credit?

Continental Credit will not only help remove false information from your report that has been lowering your score, but the company will provide you with helpful advice on how to better manage your credit going forward.

How can I contact Continental Credit?

You can call toll free at 1-866-488-2066 to reach a Continental Credit representative. You may also fill out an online contact form to request a company representative to get in touch with you.

More Information

Published Results

Continental Credit says that customers should see results within 30 to 45 days after enrolling.

Price Breakdown

 The consultation is a crucial step to the entire credit repair process. Continental Credit charges a hefty fee to meet with a staff member to discuss your case. If you decide to enroll, you will pay a monthly fee.

Monthly Payments

Continental Credit does not charge a per-removal fee but will instead pay $6/month.

No Contracts

When you enroll as a customer with Continental Credit, you don’t have to worry about signing a contract. Your enrollment is month-to-month, meaning you make as much or as little commitment as you would like.

Cancel Anytime

If you ever become dissatisfied, or if you have gotten everything out of Continental Credit that you need, you can feel free to cancel the service whenever you wish without penalty.

How it Works

Continental Credit uses a credit repair process similar to other credit repair companies.

Step #1: Contact and Analysis

Consumers first contact the company either by phone or online form. The credit specialist will review the credit report and determine what items may be eligible for removal, Consumers will be required to submit relevant personal information at this time.

Step #2: Monthly Correction Process

Consumers will be given the option to remove any inaccuracies by purchasing a monthly plan. Consumers who choose to continue will be required to pay the monthly fee as well as the consultation fee. Consumers are given 5 days to cancel before any services will be performed.

Step #3: Dispute Process

The company will draft and send dispute letters to the 3 major credit bureaus. There will be a 30-45 day waiting period before consumers receive an official response.

What to Expect when Signing Up

Customers may sign up over the phone or online. You don’t have to worry about signing any contracts. Instead, you will pay on a month-to-month basis. The sign-up process is fast and painless.

You can work with Continental Credit as long as you need to. If you achieve the results you want within any time frame, you may cancel your service.

What Can Be Removed?

 Continental Credit is not able to remove legitimate information from your account, just those erroneous items on your report. Some of these false items include the following:

  • Charge-offs
  • Collections
  • Judgments
  • Late payments
  • Bankruptcies
  • Tax liens
  • Garnishments
  • Foreclosures
  • Repossessions

Once these items have been removed, you can have the peace of mind and confidence that your financial picture is more secure and that you have more purchasing and borrowing opportunities.

Are there any inaccuracies in this review? We take our accuracy very seriously and would love your feedback. Give feedback here.

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35 Continental Credit Reviews

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  1. User Score

    0

    October 11th, 2016 Pleasanton, CA

    I was told when I wanted to cancel due to my budget that they would give me a month free. I agreed and when that month came so did the charge I inquired and was told it was a internal issue. I was charged banking fees because I was not expecting the money to come out of the bank when I asked what they would do, they finally said whats your address we will send you refund, cant you put that on my card you took it from? finally I kept getting calls from them and they said how about we just credit the month that you didn’t want service.

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    1

  2. User Score

    0

    September 29th, 2016 Mansfield, MA

    The worst you can ever see in the whole world. You dont get any response from the customer service. You cant get hold of any one once you sign up for this program. You will be lost once you sign up with them. Pls be careful

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    1

  3. User Score

    0

    September 1st, 2016

    This is the biggest piece of crap company on the planet. You’ll wind up and twice the debt you were before you begin they are cons do not do business with Continental Credit

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    1

  4. User Score

    0

    August 23rd, 2016 Las Vegas, NV

    Horrible Customer Service, They are good with service when they want you to sign up but then you don’t hear anything from them once you sign their contract and no progress. When you call to follow up on their service they have very horrible customer service, and are very very rude. Then when you try and cancel they make you go through a lot of steps to cancel. Very horrible experience stay away from this company..

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    1

  5. User Score

    10

    July 30th, 2016 Sacramento, CA

    Over the course of my life i have heard aboud credit fixing company and seen the back lash of these company from friends and family members. I am glad that ingave been dealing with Paul who has been listening to my situation and goals and looking out for my better well being. Because of this great customer service i have recommended any of my friend that tell me or even mention that there trying to fix there Credit yo continental because of the great service that i have gotten from Paul and continue to receive.

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    1

  6. User Score

    0

    July 27th, 2016 Greeley, CO

    Terrible customer service. Billed my account $99.00 per month for three months after I cancelled. I saw no improvement of my credit.

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  7. User Score

    0

    July 8th, 2016 Menifee, CA

    Over all horiblle experience. Nothing good to say. Don’t use them to repair your credit.

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  8. User Score

    10

    May 25th, 2016 Anaheim, CA

    I have been with continental for a couple of months and I have to say that I have nothing to say but good things. I am greatly thankfull with Gaby Barrios. She has have the time to answer my questions and she keeps me updated with my account. Kuddos Gaby! Keep up the good job!!

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  9. User Score

    5

    May 15th, 2016 Frisco, TX

    I was with this company for over 2 years, paid my bill on time every time and decided I wanted to cancel. I emailed my contact via email to cancel. I got an acknowledgement that they received my email and they still charged my card.

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  10. User Score

    0

    February 13th, 2016 Nampa, ID

    Continental Credit did nothing for us but take our money every month. Not only have they taken us for hundreds of dollars they did nothing to help our score. In fact our scores dropped 40 points we started with 598 and now we are at 530. The customer service sucks!! We were passed around to 5 different reps and could never get a straight answer from any of them. Mostly lies and promises that things will improve by the end of the month.

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    2

  11. User Score

    2

    February 12th, 2016 Atlanta, GA

    Do not resort to this company. Their advertising says they fix credit errors and mistakes. Also careful with giving them a card because they will keep on file and charge you without notice. Another issue is they will start challenging everything on your report and that will awaken any dormant accounts that in turn they will start to report again and damage your credit even worse…STAY AWAY…we spent over 560 dollars and have worse scores now and old accounts hunting us again..

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    2

  12. User Score

    1

    December 10th, 2015 Pueblo, CO

    I would not recommend this company. I paid $15K from outstanding collections (credit cards, lien, hospital bills, etc) due to an economic downturn resulting in a loss of employment for 2 1/2 years. Now that employment flourished, I was able to pay down my bills and ready to begin the process of buying a home. My contract obligation was for $793 for 9 months of service. My mortgage lender suggested I use this company to help improve my credit score. Unfortunately, the work performed to improve my credit score was minimal. Customer service was very poor from rude customer service to people who don’t know anything to no one ever returning my phone call whenever I asked for a return phone call. I was sold the contract under false pretense. When my credit score did not reach the goal score, under which my initial reason for signing the contract, didn’t happen, I called in to complain. They will do EVERYTHING in their power to keep you including lying to you. In the end, I completed my part of the bargain and have learned my lesson… The truth of the matter is… Do NOT turn to credit repairing companies..It’s a waste of time and money.

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    2

  13. User Score

    8

    August 20th, 2015

    I have nothing but good things to say about this company. nothing is perfect, and all I know is, the good will come with the bad in any scenario. so with that being said, thank you continental for what you’ve done for me!

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    1

  14. User Score

    1

    August 1st, 2015 New York, NY

    I signed up for this program and they have don’t nothing for me besides take my money I have called them for 2 months and no one has returned my calls good luck call the credit pros

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    1

  15. User Score

    0

    July 13th, 2015 Orangeburg, SC

    HORRIBLE!!!!!!!!!! Please i beg you please do not waste your time or money with this company… The guy i initially started with told me with the little amount of things i had on my credit that it wouldnt take no more than 2-3 months max to have ALL 7 OF THEM REMOVED!! im in the third month and he has moved to a different department without any kind of notice to me to let me know, i now call in to get an update on my process and talk to somebody totally different each time and all they have to say is “oh the documents has not been processed yet call back in a couple of days” ive been told that the last 5 times i have called. i have payed each month and havent heard anything about my credit whether it is going up or down!!! im past fed up and do not want to continue to pay for a service that im not even receiving 🙁

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  16. User Score

    0

    May 28th, 2015 Springville, UT

    We canceled the service and they where still taking money out of our account

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  17. User Score

    0

    May 28th, 2015 Naples, FL

    A total joke…this company will hurt your credit not help it . All they want is a monthly payment. The only time you here from is when a payment is due. Then when you go to close your account they hit you with more fees to close. Was with them for 8 months and got ZERO removed from my credit. And when you go to call to complain about it to billing they say I only been in the system for two months a total joke save your money I got better things to do in my life I just wanted to get this out there so no other sucker falls in the situation I fell into

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  18. User Score

    0

    May 1st, 2015

    i was told to use this service from a real estate agent..BIG MISTAKE.. bad reviews all over the internet, should have listened…lol… i paid for months and my score did not go up at all, it did not even flatten out. IT WENT DOWN AND GOT WORSE!!! WTF?
    and after cancelling service they will hound you for additional payments for “WORK ALREADY PREFORMED”
    RIP-OFFS.. DO NOT USE THIS CO.

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    2

  19. User Score

    2

    April 24th, 2015 Salt Lake City, UT

    I have been trying to get an update on what they’re working on my account for over four months I get no feedback back. In fact they sent me the information on someone else’s account. Someone named Frank Perez. Now I’m worried that they’ve sent my information to someone else by mistake. When I ask about this the only thing I received back was a email that said I apologize and that was it. Extremely hard to deal with.

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  20. User Score

    10

    April 22nd, 2015 Duluth, GA

    I must say I am 100% satisfied with my results so far. I joined them about three months ago and I have seen a 40 point increase in my score. Fallon Fleming is very professional and always will to address any questions and concerns I may have. I would recommend them to any one who is trying to have their credit files corrected.

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    2