Credit Doctor Company


Overall Score

1 User Review

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Credit Doctor Company is a Virginia-based credit restoration service company with a team that has years of experience in the credit law, banking, and auto industries. Services are provided to nationwide consumers for an initial processing fee and monthly rates thereafter.

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The Good

  • Debt Negotiation and Credit Repair Services 
  • Positive Consumer Reviews 

Credit Doctor Company provides professional debt negotiation and credit repair services with varying degrees of needs and circumstances. Each case will be analyzed and a plan for dispute will then be put into action. Benefits of the service include:

Debt Negotiation and Credit Repair Services

The Credit Doctor Company provides consumers with 3 different tiers of credit services: credit repair services, debt negotiations, and credit building. The company also offers a complete credit education library of free online resources.

Positive Consumer Reviews

There are no filed consumer complaints against the Credit Doctor Company. The company has many positive third party reviews and their work is guaranteed with a warranty. The company has over 10 years of experience in the credit repair industry and consumers are able to cancel services anytime without penalty.

The Bad

  • Expensive Service Rates 
  • No Attorneys on Staff 

While the Credit Doctor Company can help with debt and credit needs, there are limitations to their service as well. Prospective clients interested in using Credit Doctor Company should be aware of the following items prior to enrollment:

Expensive Service Rates

The Credit Doctor Company charges the consumer a $299.99 to set up an initial credit file. Consumers are then expected to pay $59-$99 per month thereafter, depending on the amount of credit that needs to be resolved. These rates are slightly more expensive than the service rates charged by similar credit repair companies in the industry.

No Attorneys on Staff

Credit Doctor Company does not appear to employ licensed attorneys on staff to assist customers in any specific legal issues that may come up during the credit repair process. Those who are dealing with items such as tax liens or bankruptcies might find another similar credit repair company that offers attorney services more suitable for their unique situations.

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The Bottom Line

Credit Doctor Company offers consumers 3 tiers of credit repair and debt negotiation services. The company has numerous positive customer testimonials that attest to the quality of its customer service. However, charged rates can be expensive for some consumers and there are no attorneys on staff to assist with specific legal issues that may arise during the credit repair process.

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