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CRE Credit Services

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58 User Reviews

4.7

Overall Score

CRE Credit Services don't just do credit repair.  In addition to credit repair, the company offers credit restoration services, credit building services, and credit education services. CRE Credit Services has only been in business for six years, but in that time it has created a 7-Stage Repair Process for clients.  James Charlet, a former member of Experian's legal and compliance department developed this process.

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The Good

  • Money-Back Guarantee 
  • Free Consultation 
  • Seven Step Process
  • Educational Resources 

Not only does CRE Credit Services operate in full compliance with the Federal CROA and Texas State CSO regulations, it is registered and bonded for clients' protection. Some additional highlights about CRE Credit Services are as follows:

Money-Back Guarantee

CRE Credit Services stands by their promise to produce results with a 100 percent money-back guarantee.

Free Consultation

Potential clients have the option for a free consultation during the signup process. During this, each client gets an in-depth analysis of their credit reports, with no obligation to work with the firm.

Seven Step Process

As stated above, CRE Credit Services has a unique 7-Step System used to repair clients' credit. It is designed to be used over six months but the firm has stated that some clients see results in as little as 30-45 days.

Educational Resources

The CRE Credit Services team provides a ton of information on credit repair, credit education, credit support, credit reports, etc. The company has an informative blog, FAQs, and more providing insights on these topics.

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The Bad

  • Time in Business 
  • Hours of Operation 

CRE Credit Services has many great benefits to its services, such as its unique 7-Stage Repair Process, developed by a former member of the Experian team. However, they do have a few drawbacks to note:

Time in Business

CRE Credit Services has only been in business six years, making them relatively new to the credit repair industry. Some companies have been in business well over 10 years, giving them more experience.

Hours of Operation

CRE Credit Services operate 8 am to 7 pm Central Time while some companies operate until 9 or 10 pm. This can be somewhat limiting to clients.

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The Bottom Line

Overall, CRE Credit Services has a unique 7-Step Process for improving their clients' credit. The firm states that on average clients will see 50+% of deletions removed in 30-45 days and 75+% within six months. In addition, they are staffed with licensed attorneys and have a money-back guarantee. And although the company's price is quite high, it is transparent about it.

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Star Rating

4.2

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58 Reviews

Review Breakdown

5 grade

74%

4 grade

9%

3 grade

0%

2 grade

0%

1 grade

17%

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Daniel Hernandez

7 months ago, I was told by numerous banks and lenders that I did not qualify for a home loan, nor would I ever. I then was referred to Chad Campbell at CRE Home Solutions. I gained so much insight, knowledge and direction from the guidance of Chad in our initial conversation, that I knew CRE was my only hope of ever becoming a home owner. CRE Home Solutions well exceeded my expectations! Not only did they delete 99% of the negative items off my credit report, Chad coached me all the way into my beautiful new home. Words cannot express how THANKFUL I am for Chad Campbell and CRE Home Solutions… I have a new quality of life! CRE Home Solutions is the BEST in the business!!!

3 years ago

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Daniel Hernandez

7 months ago, I was told by numerous banks and lenders that I did not qualify for a home loan, nor would I ever. I then was referred to Chad Campbell at CRE Home Solutions. I gained so much insight, knowledge and direction from the guidance of Chad in our initial conversation, that I knew CRE was my only hope of ever becoming a home owner. CRE Home Solutions well exceeded my expectations! Not only did they delete 99% of the negative items off my credit report, Chad coached me all the way into my beautiful new home. Words cannot express how THANKFUL I am for Chad Campbell and CRE Home Solutions… I have a new quality of life! CRE Home Solutions is the BEST in the business!!!

3 years ago

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Janet Carrollton, TX

I had had experience trying credit repair by myself before working with Cre but I was never able to keep a negative off my credit report. I would get one removed and a month or so it would show right back up again. This repeatedly kept me from getting a decent home. My friend finally told me to try cre. I was skeptical at first considering how I had tried and tried and was never able to accomplish anything myself and also I noticed that they do charge more than some other companies I had heard about but on the recommendation of my friend i decided to give them a try. I am so glad I did. Within 6 months they were able to remove all the accounts that were keeping my score down and it has been another 6 months since I completed the program and still all the accounts are gone. I must say I extremely grateful to CRE for getting me through this and the money was well spent.

6 years ago

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Jordan and Jerry Hallowell Allen, TX

I really can't thank CRE enough for all of their help. My husband got laid off several years ago and it was so unexpected, but the economy got very bad and despite working for a large company he was not immune. In addition, I went through medical problems around the same time and that caused a lot more problems. Finally, my husband found a great job and I got past my medical problems, but it took us a while to recover from the debt and our credit was terrible. Everything had changed so quickly and so unexpectedly that we felt lost. We had lost our house and we were renting for a few years. I knew I couldn't get a house, but I was determined to one day get a home again for our family. I decided to call and talk to a financial planner and he had me sit down with a mortgage friend of his and they advised me to call CRE Credit Services and start working on our credit. They both had told me we had a ways to go, but we needed to call them and learn about our credit and see what they could do to help us as well. I have to say it was the best decision of our lives. After the consultation with them I felt like a weight had been lifted off of my shoulders. My husband and I felt happier again and we felt hope so we did everything they told us and now as of March of 2013 we got rid of our debt, both of our credit scores are around 700, and we closed on a house! It was a dream come true and if you have experienced anything similar I recommend you start with one of their consultations as we did. They were recommended to me and it may sound silly, but they changed our lives. Jordan Hallowell

8 years ago

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Carly Plano, TX

I have tried several credit repair companies in the past and a couple that were ranked high on this list and they got no results for me. I was very cautious about moving forward with another company again as I felt I had wasted so much money in the past. I heard about the experience of this company from my cousin who is a loan officer who sends his clients to them. I reluctantly gave them a shot and they did everything they said they would. I am very happy I took the chance on another company. I got a new car last month and we moved into our new house in March of this year! I highly recommend CRE.

8 years ago

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Susy Salazar Denver, CO

September 2016 after getting the news that the landlord was selling the house I was renting, I was once again looking for a place to live. I had bad credit so everyone was turning me away. I was so scared that my family would be homeless, not because we couldn't afford it but because of my credit. Just 4 days before I had to be out of the house I found a home. In Oct. 2016 on my way home from work I got a call from a number I didn't recognize and I answered which I never do. A gentleman named Chad C started talking to me about fixing my credit, at this point I would usually hang up but I didn't. Not only did I hear him out I signed up. 10 months later on Aug. 11, 2017 my husband and I closed on our house. Chad C from CRE is awesome! he is very knowledgeable and will guide you every step of the way. My life has changed for the better in so many ways.

3 years ago

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Tyrell New York, NY

I had a great experience with CRE. Before I signed up I had all this stuff on my credit reports that didnt even belong to me. I couldnt even get qualified from one of those cheap used car dealerships that approve anyone. After 6 months with CRE i was able to finally get a car from a manufacturer approved dealer and for a great rate. I loved my results with CRE and the customer service was great especially for someone like me who probably called too much with a lot of questions. :P I have already started telling my friends about CRE

6 years ago

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William Deats Plano, TX

I did extensive research on this company and many others before making a decision and I can tell you they are by far the best. One of the owners speaks all around the country at the top mortgage conventions as a keynote speaker. I just went to one of them in Oregon before making a decision and this guy knows a lot. He is from Experian and these guys are the best. A lot of the mortgage people there said they use them there as well and get people qualified for them. I am looking forward to working with them and I know I made the best decision.

6 years ago

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Jack Arnold Carrollton, TX

I was lucky to find this company. I had been trying for at least years to dig myself out of a hole with my credit with no luck. A friend had me call CRE Credit Services and I am glad I did. They were able to remove 12 of the 13 negatives on my reports and that was enough to get my score into the 700s. Now im finally looking for a new home for my family. I cannot say enough great things about this company.

6 years ago

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Melanie Collins Durham, NC

I am very happy with the results that I have had in only 1 1/2 months. My Transunion score went up 80 pts already!! I'm very anxious to see what the other credit reports will look like. Josh was very nice and even the results department was very nice and called me to remind me about sending in any information that I receive from the credit bureaus. I'll see what happens next!

6 years ago

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Sally and Stuart Rutherford Plano, TX

We are so very thankful for CRE who helped us get qualified for our first home! We were denied for a home loan which was frustrating and embarrassing due to some credit issues we had. They set us up on a plan and exceeded our expectations by getting us into a home in less than 4 months. We are forever grateful to this wonderful company and the great staff at CRE. Thanks CRE!!!

6 years ago

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Jason Stotts Allen, TX

This company is great! I tried other credit repair companies and didn't have a lot of success. I did a lot of research and found that these guys were the best. They had the experience and a money back guarantee so I tried them. I am glad I didn't give up on trying, I was trying to get a house for my wife and kids for years and they helped my significantly raise my scores and get into a home in 3 months. I am eternally grateful for CRE and so is my wife and 2 daughters!

8 years ago

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Kelly Rasmussen Des Plaines, IL

Awesome company!! Chad Campbell is the best! He knows his stuff. I have seen the results he promised! I am so glad I took the chance! I can not say enough but if you want results and better credit Chad Campbell and CRE Home Solutions is it!

3 years ago

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Jasper Fleming Chapel Hill, NC

It has truly been helpful working with to Chad and CRE on getting my credit back on track. Chad has always responded to my calls and emails. Also, Chad took him time to explain the process on rebuilding my credit. Just after 60 days working with CRE my score jumped by 100 points. If you are looking for a company that will help you rebuild you credit, CRE Home Solutions is that company.

3 years ago

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Margie Plano, TX

I am so thankful for this company. I was hesitant, but did my research and prayed about it. I made the right decision as I got my credit score increased 189 points on my midscore in 5 months. Thank you thank you thank you! I highly recommend them!

5 years ago

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Heather New York, NY

I just finished this program and I can say I am very happy with CRE .When I signed up I had about 15 negatives on my credit report and they were able to get all but 2 removed and I saw my score jump to about 700 from about 500. I am about to start looking for homes which is something i didnt think I would be able to do for years.

6 years ago

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Raymond Pappit New York, NY

I used to be with another credit repair company that will remain nameless and they were awful. Then my friend said to check this website. After reading the review I decided to go with CRE Credit Services. I am so glad I did. Since joining them I have seen my credit score go up about 150 points and I have just started looking for a home

6 years ago

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Rod New York, NY

CRE has been amazing for me. They helped me get my credit score from 540 to 715 during the 6 months of the program. I finally was able to get approved for a mortgage through wells fargo. I would recommend CRE to any of my friends. Not only do they get results but their customer service is amazing. I am very happy :)

6 years ago

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joanna Plano, TX

No company is perfect...but they helped me and my son and many others i have referred, improve our credit by 100 points or more. i refinanced my car and saved 8 thousand dollars...if you stick with the program and do as they suggest you will get great results no doubt.....my step son has credit cards now and is getting ready to buy his first home

6 years ago

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Rick Fornash Detroit, MI

Many thanks to CRE! I've webt through several companies and none delivered results, these guys did. I'm sure everyone's situation is different and credit is different but for me they did a great job and I finally was able to purchase my first home :-)

6 years ago

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Mrs. C Plano, TX

This was the third company I tried on this list and let me tell you they are legit. These other companies dragged their program and didn't get me any results. CRE got 25 items deleted in 3 months. That is what I am talking about! This is the company you need to go with right here. Thanks CRE!!!!!!!

7 years ago

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Suzy Plano, TX

This company is no doubt the best. I tried 3 different companies over 2 years and these guys actually got results. After all that time in 4 months they got 90% of my negative items deleted and got me qualified for a home. They are great!

7 years ago

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Matt Haslet, TX

These guys are awesome. My credit was really bad due to a medical situation in outlr family compounded by a job loss. When I signed up with CRE I started out with a 544 on Experian, a 562 on transunion, and a 493 on equifax. In 5 months my scores have gone up to a 678 on Experian, a 707 on transunion, and a 698 on equifax. They are Awesome!!!

8 years ago

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Angie New York, NY

I dont understand how anyone can give this company anything but a 10. They did everything for me they said they were going to and I am so happy finally having a credit score over 750 with all three bureaus. :) I love CRE

6 years ago

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Jimmy Reed Plano, TX

I graduated from their program this week and I just had a lender pull my credit scores today and my midscore was 697. I was a 538 midscore 6 months ago. I am very happy with their services and I highly recommend them!

6 years ago

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Jessica Wegmann New York, NY

I am extremely happy with CRE Credit Services. They have helped me to get a new car for the first time in my life and they were always so great when I call called with questions.

6 years ago

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Sierra Allen, TX

Thank you for all of your help. You helped get me and my son a house when no one else would or could. I am forever grateful to your company and will send everyone I can your way!

7 years ago

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BB Allen, TX

I got some really great results and I referred 2 family members that did as well. They fixed my credit much quicker than I expected. I got some $ waived for referring people too which was awesome and they were happy.

7 years ago

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RH Allen, TX

These guys are awesome. Heard about them from a buddy in the mortgage business. He told me they get all of his clients qualified and so far I have gotten great results in the first couple months!

7 years ago

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Lisa Allen, TX

This company is amazing. I am telling you they are so great if you are hesitant at all you shouldnt be. I certainly was at first, but I have seen the results they promise. They really are the best. Thanks guys!!!

7 years ago

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Geena Montague Plano, TX

I went from a mid score of 578 to a mid score of 674 in 3 months and got qualified for a house. Saying I am happy with the results of this company would be an understatement!

7 years ago

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crystal furton

Chad at CRE was great to work with. He was low pressure and very knowledgeable. I have seen an over 80 point increase in all 3 credit bureau scores over the past 4 months with his and his team's help

3 years ago

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Melissa Pompano Beach, FL

Please do yourself a favor and stay away from this company and many others that promise to help you fix your credit by deleting negative accounts such as car repos, etc... CRE is a complete fraud. They will promise and GUARANTEE that they will delete all negative accounts. They might delete some easy accounts such as credit inquiries and some late payments and that's about it. If you have a car repo, tax lien, foreclosure or medical bills.... don't even dream that they will delete those accounts. Again please don't believe them. The only thing that is guarantee is that you will lose a lot of money if you decide to go ahead and do business with them.

6 years ago

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DANNY A Pompano Beach, FL

This company CRE Credit Service is a ripoff they promise they going to eliminate collection account and they only delete stupid account and credit inquiries from your credit but the most important one with the high potential they will never delete those account , car repo, medical bill, tax lien, etc .. when i call to obtain information on how they work.. the rep make me a lot of promise that he really convince me it cost me over 1600 for nothing , at the end the more important account never got delete , all they do is send dispute account never was delete my car repot , my medical bill, 2 account that i have in collection from TMOBILE over 1700 , and federal and state tax lien .. they Finish all the process and told me there is nothing else they will be able to do.. they lie to me after they got the money pay , now they coming that there is nothing else they wll be able to do.... there is about 5 account the more important one they never delete those account..

6 years ago

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Justin Kansas City, KS

Do not use this company. They make you feel like you're fine with the easy stuff then with the hard stuff you get screwed and get bad advise along with garnishment of all your wages and cars. They of course on a Friday they aren't available to help when the companies are obviously available and willing to take money you were promised was safe by CRE. "They'll take care of it"... no they won't. Find a better company with better ratings. Once you look for a company like this then it just stirs up a buch of stuff that they aren't willing to handle as promised. Seriously... go the other way!!!!!!

6 years ago

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Rachel Lockhart, TX

They did get stuff off my credit but they defiantly did not deliver what they promised. I did the full 6 months, and my credit score did not improve in fact it went down. They removed my mortgage that was paid off, because in had one 30 day late payment. I would go with Lexington law they are much cheaper and do the same thing. They also promise to refund you for anything they do not remove that is a lie they will do some special math and tell you they don't owe you anything. though their own graph tells them they left 53% of negative credit on your report . The point is there is no fast way to fix your credit and know one even knows how they come up with score.

6 years ago

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Briget C. Spring, TX

Ok, so just to be clear. When you're a forgotten client, who stopped hearing from the company, all attempts at communication lead to dead ends, you've been told numerous times you'd hear from "Brandon" or other "managers" and have yet to.... were given no final result stats on your DUAL case you paid for (husband/wife).... have seen previous deletions made by CRE show back up on your credit (even though was promised they never would or could), as well as never having obtained ANY answers regarding some creditors that were being actively worked on when my account time was "up".... what exactly does this mean for their customers? "CRE Credit Services is the best credit repair company in the nation based on Customer Satisfaction, Results, and Experience, and we back it up with a 100% money back guarantee." I was a client that fell between the cracks back in 2011/2012. My case manager abruptly left the company & ultimately me hanging. After making repeated phone calls, leaving numerous voice mails & not understanding why he wasn't calling back, *I* finally decided to make contact with someone else & it was only then (over a month later) that I was informed he was no longer there & that a new case manager was handling my case. I heard from that person maybe all of twice? Then crickets. I received one generic email in the end showing some deletions that were made & then nothing. No further communication, no "this is what we accomplished for you" letter. No, "here's some advice to keep your credit strong" papers... NOTHING. I paid CRE LOTS of money to help my Husband & myself, and soon after the final payment was made- I heard NOTHING. I recently made contact again with Gary? Who then was in contact with Brandon again, said he would contact me, and NOTHING. No communication, at all. Again, several things have showed back up on our credit that was previously "deleted".... our credit scores never improved enough to attain our goal & CRE dropped the ball BIG TIME regarding my/our case & has done nothing to make it right. NOTHING. No offer to look into our credit again, no offer to amend the previous deletions- they won't even stay in contact after you call & have a very lengthy conversation explaining your concern of lack of contact. That's sad. I trusted this company & wanted so bad for everything to go smoothly & to be happy in the end. Trust didn't come by easy for me not only bc this service was expensive, but considering they obtain EVERY bit of personal information on you, that's scary to some. Not to mention when their case workers abruptly leave, knowing they've had access to all that information- you can imagine how that makes someone feel. In the beginning when I first started & began to feel comfortable with my original case worker (Chris Fritze) I referred several people to this company, as I was hopeful & excited to begin this process of credit repair. He spoke so highly of his position there & had open lines of communication ALL the time. I even had his cell phone number. I had goals & hopes of this program helping my family to obtain our dream of home ownership. Then Chris left. Without warning & without as much of a heads up to his clients. There was apparently no-one in line to pick up the pieces, or take over his active cases, so I fell between the cracks. And to this day, was left there. I can only hope at this point that anyone I referred had a much better experience than the outcome of my own. I did everything that was required of me, yet was given the excuse that between Chris' abrupt departure & the company "changing their systems" are the reasons I become forgotten. My point is, even in knowing that & even with active currently employed case workers having recently overlooked my case having told me they can see I fell through the cracks....CRE has still done nothing to make it right. So, CRE, if you claim to have a 100% satisfaction guarantee in place, and I am anything but satisfied- what do you (if anything) plan to do to make it right?? It would seem like to me that's false advertising. So, lets see if this gets their attention.....

6 years ago

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WILLIAM (TREY) BRUNSON Acworth, GA

I dealt with Jason S. Was told it was a money back guarantee. It is with strings attached. He also said that he had a good chance of removing my bankruptcy. They did not do that as well. Heck they cant even get a duplicate account with Ally off my account record. I am getting that done on my own. Anyway, credit repair is tough but these guys over sell their money back guarantee and their services. You are a lot better off to write the letters on your own and do it yourself. I wasted 1330 dollars for a 25 point boost that I did by doing things related to my credit on my own.

2 years ago

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Kelly Plano, TX

Thank you so much for everything you did for my family and I! 100 point increase in just over 2 months!! Just closed on our new home.!

4 years ago

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Stacy Orlando, FL

They offer a money back guarantee if your not satisfied with their service but do not give you the details, for example, that they charge for everything they do so they don't have to give you the refund. Additionally their customer service is horrible. I have tried to get them to give me contact info to try to get a home loan--which i cant do because they weren't successful in removing something they guaranteed to do...so I would not recommend spending your money.

6 years ago

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Shonda New York, NY

This company is amazing. Been trying to get approved for a new car for years. Finally after CRE I can say I got my first new car.

6 years ago

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Clay Davis Mary Esther, FL

Check the BBB's site and complaints made against this company. It seem that they lie to customers to get 1000. plus dollars(100.00 a month plus extra fees) then when the customer stops paying as no results seen in 4 months they claim warranty of contract is voided due to non payment and customer gets nothing back and no services. Looks like a scam to me. 26 complaints that say basically the same thing from clients over and over again.

6 years ago

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Harry Plano, TX

I highly recommend this company. I have used them for my clients and for myself. They do a fantastic job, better than anyone else I have ever used.

6 years ago

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Helen Peters Allen, TX

CRE got me qualified for a home loan in 4 months after I had been turned down by multiple lenders. I am forever grateful. Thanks CRE!

7 years ago

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Bobby B. Plano, TX

I got referred to this company after being turned down for a mortgage. They got me qualified and at a good interest rate. This company is legit.

7 years ago

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Rosemary DiMaggio New York, NY

DO NOT USE THIS COMPANY!!!! I'm 5 months in and $1600.00 poorer. My credit score actually got worse after dealing with this company. I'm so frustrated I could cry. Big mistake on my part. I believed what they told me. Oh and don't believe you'll get your money back. You won't. So do yourself a favor and Don't use them.

5 years ago

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Ale New York, NY

CRE is very god company. They did help me to get credit car. I call they have spanish speker too.

6 years ago

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Dev Patel New York, NY

CRE Credit services is great company. They help me to get home qualify. There customer service great to.

6 years ago

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garrett New York, NY

Just started using this company no results yet but it's only been one week I really want to buy a nice home for my family

6 years ago

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Janice Allen, TX

My husband and I got a new house thanks to CRE and we got a 3.75% interest rate. We are very happy!

8 years ago

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