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LAST UPDATED: October 28th, 2021

Cool Credit offers three different credit repair plans that range from basic to aggressive services. 

The company provides new clients with a free credit consultation as well as an online portal where they can check their credit repair progress. Cool Credit also offers online educational resources that help clients learn more about the importance of credit and how to manage it. 

While the company does offer monthly pricing information on its website, potential clients should know that Cool Credit does not present much else in regards to online information. 

Keep reading to learn more about Cool Credit’s services. 

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The Good

  • Free Credit Consultation 
  • Lower Cost Options
  • Client Progress Portal 
  • Online Credit Education

Free Credit Consultation 

Cool Credit offers a free credit consultation to all interested clients. This consultation involves a thorough credit analysis conducted by one of the company’s credit consultants. 

According to Cool Credit’s website, after the credit analysis is completed, consultants will help clients choose the credit repair plan that they think best suits the client’s budget and credit situation. 

In order to sign up for a free consultation, consumers are asked to either fill out the online form or contact the company via phone/email that can be found on the company’s website. 

Lower Cost Options

Unlike many other credit repair services, Cool Credit offers multiple plan options that are set at a lower-than-average monthly price. For instance, the company’s lowest, most basic credit repair plan costs $49 per month, which is significantly lower than most companies’ lowest-priced offerings. 

Additionally, Cool Credit offers Moderate and Aggressive plan options that are both cheaper than what many other companies in the industry charge. 

That said, the company does not appear to offer any information on its website regarding one-time fees or upfront costs. Potential clients may want to contact the company directly to learn more about its fees and services. 

Client Progress Portal 

Cool Credit provides clients with an online portal that allows them to view the progress of their credit throughout the duration of the company’s credit repair process. This type of portal access can be an attractive feature to potential clients since it is designed to help them stay aware of the work that the company is doing. 

Online Credit Education 

Cool Credit offers helpful credit education resources directly on its website that all website visitors can access. 

The company’s online resource section covers topics relating to credit repair and provides useful information about how consumers can build and maintain their credit. Cool Credit appears to regularly share new content on this credit education page.


The Bad

  • Limited Website Information
  • No Service Guarantee

Limited Website Information

Although Cool Credit does provide monthly pricing information, the company does not include online information about its staff, location, how long it has been in business, its upfront/one-time costs (if any), states serviced, and how long its credit repair process usually takes. 

Additionally, the credit repair company does not offer enough detail on its website about what is included in each service plan option. 

No Service Guarantee

Unlike some other companies in the credit repair industry, Cool Credit does not provide any type of service guarantee. The company does claim, however, that clients have the ability to cancel their credit repair service at any time after enrollment.


The Bottom Line

Cool Credit, like many other credit repair companies, provides a free credit consultation that is designed to help clients get started on the right credit repair path. 

The company offers clients three different credit repair service levels that range in pricing and services. Additionally, Cool Credit provides helpful credit resources on its website as well as a client progress portal. Cool Credit appears to charge lower monthly fees for its credit repair plans than many other companies in the credit repair industry. 

Although the company does provide monthly service pricing information, it fails to provide information online about its staff, plan details, and more. The company does not mention whether or not it charges any upfront/one-time fees for services. Potential clients should also note that Cool Credit does not provide a service guarantee. 

Due to a lack of information, we cannot recommend Cool Credit’s services at this time. If you are interested in learning more about what Cool Credit has to offer, we recommend that you contact the company directly and read customer reviews.

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