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Continental Credit

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5.4

Overall Score

LAST UPDATED: July 7th, 2023

Continental Credit is a financial services company based out of Westminster, Colorado.

The credit restoration company provides a free credit consultation as well as a customized experience for its clientele through a monthly commitment with no required long-term contract. Continental Credit also allows customers to cancel services at any time.

Keep reading to learn more about Continental Credit's credit repair services. 

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The Good

  • No Contracts—Cancel Anytime
  • Personalized Attention From Credit Specialists 
  • Credit Education and Tips to Help Boost Overall Score 
  • Comprehensive Credit Analysis with Customized Plan 
  • Monitoring and Progress Tracking 

Continental Credit works with consumers to establish a customized credit repair game plan and consumer education program to improve overall credit scores.

As a full-service credit repair company, Continental Credit 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 item details on their own.

Many benefits of this credit repair company include:

No Contracts—Cancel Anytime

The company does not force a penalty if a client decides to cancel services and no reason is required.

It seems like the Continental Credit repair program does not require months of client commitment, unlike some other credit repair companies that force clients into long-term contracts.

Personalized Attention From Credit Specialists

Each credit repair client 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 throughout the credit repair process.

Your credit will specialist will conduct an investigation utilizing the Fair Credit Reporting Act to clean up any incorrect items on your credit report, provide valuable insight on how you can best maximize your credit potential, and create a comprehensive plan with straightforward goals to help you reach your financial goals. 

Credit Education and Tips to Help Boost Overall Score

Credit repair may only be one way a client can improve a credit score. However, the credit repair firm strives to provide customers with additional knowledge and understanding of the credit and financial landscape in order to help them with future money decisions.

The Continental Credit educational resources include topics like credit reporting, good credit practices, credit report items, student loans, credit card usage, credit history, and more.

Comprehensive Credit Analysis with Customized Plan

Similar to some other companies in the industry, Continental Credit gives clients a free comprehensive credit analysis that will identify all areas of credit report weakness.

Monitoring and Progress Tracking

Clients will be able to access their case results and track deletions accomplished by Continental Credit via an online client account portal.

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The Bad

  • No Money-Back Guarantee
  • No Licensed Attorneys on Staff 
  • No Customer Testimonials or Deletion Proof on Corporate Website 
  • No Pricing Structure Offered to the Public on Website 

In order to fully cancel a membership account 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 receive a monthly payment charge.

Negative concerns that have been raised by consumers regarding Continental Credit include:

No Money-Back Guarantee

If unsatisfied with the company's service, Continental Credit clients will not be able to get a full refund for any payment they have already made.

Meanwhile, several other companies within the credit repair industry offer a money-back guarantee for at least the first few days/months of service. 

No Licensed Attorneys on Staff

Although some companies do have access to attorneys, Continental Credit does not.

While not required by credit repair bureaus, oftentimes having an attorney on staff who can help customers with difficult item disputes and provide legal advice is a major plus in the credit repair industry. 

No Customer Testimonials or Deletion Proof on Corporate Website

The main Continental Credit website does not offer much for prospective clients to read about in terms of previous experiences clients have had with the company's credit repair program.

No Pricing Structure Offered to the Public on Website

There is a pretty large lack of transparency when it comes to how much clients will have to pay for the Continental Credit credit repair service. Those interested in credit repair services need to directly contact the company in order to obtain these important pricing details.

Potential clients should keep in mind that the majority of other credit repair firms directly offer information about monthly payments and setup fees on their main websites.

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The Bottom Line

Continental Credit seems to be a legitimate credit restoration company with over nine years of experience in the financial services industry.

Consumers can receive a free credit consultation and pay for monthly credit repair plans that can be canceled at any time. Clients can also access helpful online resources to learn more about credit scores, credit history, and more.

It is important for potential clients to note that some Continental Credit consumers have sent in a complaint with billing, cancellation, and/or overall service delivery.

In comparison to other credit repair firms, Continental Credit also doesn't seem to offer information on its website regarding monthly payments or setup fees. Consumers are advised to review all policies carefully, contact the company for more information, and read Continental Credit reviews before they agree to purchase services.

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Star Rating

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3.7

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156 Reviews

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57%

4 grade

10%

3 grade

3%

2 grade

3%

1 grade

27%

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Jacquie Port Saint Lucie, FL

I have read many of the reviews and many of them are speaking the truth. I was recommended to CC by my cousin so I trusted her judgement. I was attempting to purchase a home in Nov 2016 after being with CC for 3mths. If it was not for my realtor I would have not been able to improve my credit score to make the purchase. CC did not help in anyway. I’ve tried to cancel several times and have been talked out of it. In the beginning I could get I n touch with my primary counselor Stu Nicks after leaving several messages. He then changed to a “different” department without him reaching out to let me know he was no longer working with me. Then I was changed to someone else named Desiree Dallas whom I have spoken to maybe once or twice. I get no updates unless I call that does not seem right. At this point when I do call they keep telling me “just a few more months” it’s been over one year.

5 years ago

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Christie Hillyer Las Vegas, NV

BUYER BEWARE! These people will help your credit and it usually will happen fairly quickly. The problem is, when you try to cancel. The first time I tried to cancel they bullied me into staying. Then I tried to cancel again a month later and the guy was so angry with me I felt as if I had committed a crime, then he hung up on me before letting me know if my account had been cancelled or not. I called back, they "verified" that it had been cancelled. The next month they charged my card again, I called, they apologized, sent me out a refund check in two days and sent me a "cancel confirmation". Here we are again a month later and guess what? Another charge on my card from them! I called AGAIN and went through the rigmarole and got the same "verification" and "cancel confirmation" from the woman on the phone. She assured me that it has been cancelled for good. Who knows if this is correct or not. We shall see in a month.

6 years ago

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Olga Z McCants Lithonia, GA

This is the worse company to deal with Lexington Law t is a better company , the rep that I had was very argumentative even after I cancelled they still charged me stated it was in the contract , please do not go with this company they do not communicate with you about whats going on with your credit update, even after i read the reviews I should of known better they are worse then a collection agency Jeffrey G he needs to be trained on how to deal with customers

5 years ago

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Pat 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.

7 years ago