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.
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.
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.
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.
Continental Credit says that customers should see results within 30 to 45 days after enrolling.
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.
Continental Credit does not charge a per-removal fee but will instead pay $6/month.
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.
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:
- Late payments
- Tax liens
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.