Credit Expert, LLC has been in business since January 2008 and has provided a number of credit-related services, including credit repair, to thousands of people. However, this company requires customers to sign up for a free consultation before revealing its rates and credit repair fees. Customers are encouraged to investigate our industry leaders before investing in any credit repair company.

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$79.95 -119.95







The Good

Credit Expert, LLC provides customers with a “No Risk” credit repair policy, meaning they will not be charged if Credit Expert, LLC cannot remove negative items from their credit report.

“No Risk” Credit Repair

If Credit Expert, LLC cannot remove negatives items, you don’t pay. Credit Expert, LLC offers a “No Risk” credit repair program. According to the website, “If [Credit Expert] is unable to correct or remove qualified negative items from your credit reports that are lowering your credit scores, then you pay no credit repair service fee – PERIOD.” Along with the company’s free consultation, this “No Risk” guarantee can make Credit Expert, LLC a very affordable credit repair option.

Additional Services Offered

Includes identity theft restoration, and bankruptcy recovery. Credit Expert, LLC provides a number of supplemental services in addition to credit repair. For example, the company can help make sure your credit reports are reporting correctly if you have discharged a bankruptcy on one of your accounts. Credit Expert, LLC also assists with identity theft restoration, deceased identity restoration, and merged credit files, all of which deal with resolving credit files or accounts that were either fraudulently filed in your name, or simply do not belong to you.

The Bad

There is no specific pricing information not found on website and it is also important to note that Credit Expert, LLC cannot legally represent clients in court.

Poor Fee Transparency

Despite the free consultation and “No Risk” credit repair program, customers will still be required to pay some initial fees to qualify for Credit Expert, LLC’s service. And while the company’s website mentions customers will be required to pay an initial one-time account setup fee, the company does not specify the initial fee amount.

Other companies provide this and other pricing information (including monthly subscription fees, item removal fees, or cancellation fees) upfront, which can help customers make a more informed decision regarding credit repair. Because credit repair is such an individualized business, no two customers may end up paying the same amount for credit repair; however, customers should be able to expect at least rough or general estimates of standard monthly or activation fees.

No On-Staff Attorneys

Credit Expert, LLC does not have licensed attorneys on staff; and although this is not one of the many legal requirements surrounding the credit repair industry, having direct access to credit repair attorneys can provide invaluable assistance in advocating for your consumer rights. Credit repair attorneys can represent clients to debt collectors, put a stop to collection calls, and file lawsuit against creditors to remove inaccurate information. Credit Expert, LLC does have competent paralegals on its staff; however, paralegals lack the authority to directly represent clients in court for circumstances where that may be needed.

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The Bottom Line

Despite Credit Expert, LLC provides the baseline credit repair services customers have come to expect, as well as supplemental services that many competing credit repair companies do not. However, Credit Expert, LLC does not list pertinent pricing information on its site like other companies, and its lack of on-staff attorneys suggests that customers may have to pay extra for the company to contract legal work to a third-party credit repair firm. Credit Expert, LLC meets all of the legal conditions required by the Federal Trade Commission, but customers may find other companies will suit their needs better.

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Frequently Asked Questions

How much does Credit Expert cost?

Aside from a free consultation, Credit Expert doesn’t have much to say about its pricing structure. The company will charge per-deletion, but how much that is varies from customer to customer.

Does Credit Expert allow me to enroll more than one person or my whole family?

Only individuals may enroll as customers with Credit Expert. Spouses and other second parties must sign up on their own.

How does Credit Expert repair my credit?

Credit Expert is intent on educating the customer on what he or she can do to repair credit scores. As a customer, you will work directly with a company representative and identify key areas for improvement. The company will provide you with a program where you can work yourself to repair your credit through disputed false information.

How does Credit Expert provide credit monitoring?

There is no way mentioned for customers to monitor the progress of their credit repair online; however, because customers will go about the repair process on their own, it should be fairly obvious how things are proceeding.

How long will it take before I start to see results with Credit Expert?

Every customer has a unique situation, so results will vary considerably, but most customers see changes to their reports in as little as one month and sometimes up to six months.

What results can I expect from Credit Expert?

Credit Expert will do a thorough audit of your credit situation and will seek to eliminate all those false charges from your credit score. You can expect honest, frank advice and diligent efforts on the part of the company on your behalf.

How can I contact Credit Expert?

You can call toll free at 1-877-772-7312 to reach a Credit Expert representative. If you prefer, you may also email [email protected]

More Information

Published Results

Credit Expert does not publish any results on its website. This could possibly be because the company is being extra cautious at not providing false claims; however, most companies will at least publish customer testimonials or even actual credit reports that were improved through the companies efforts.

The Credit Expert website is quite vague with much of its information, so it’s not terribly surprising to see this omission.

Price Breakdown

One of the frustrations customers may feel with Credit Expert is that pricing information is a little vague. Potential customers must call the company to get a price quote. Prices are according to a case-by-case basis.

Free Consultation

On the bright side, if you want to review your case and see what Credit Expert can do to help you improve your credit score, you may speak with a representative for free. Here, you can get some honest and open feedback and direction about your case.

Per-Deletion Pricing

It’s not totally clear how much you’ll pay for Credit Expert, but the company does charge per-deletion, which means you won’t have to pay anything unless the information is successfully removed.

No Obligations

You won’t sign a contract with Credit Expert, so you can feel free to stop using the service anytime you’d like. You won’t be charged any extra or hidden fees.

How It Works

Credit Expert offers a unique approach to improving your credit. Unlike most credit repair companies that take control and go about disputing false charges to your report, Credit Expert gives you the tools to do the work.


The free consultation is an important part of the credit repair process. It is here where the company will assess your needs and to what extent you need to improve your score. The company will make an honest assessment of what changes you can make.


Credit Expert wants you to have the knowledge to make sound buying and credit decisions well after your credit repair has been completed. Thus, the company will give you information to help you understand how to control your score and not repeat past mistakes.


Lastly, Credit Expert develops a plan catered to your individual needs and will set you off to repair your credit on your own. You’ll have the expert guidance of a repair specialist to show you the steps you need to take.


What to Expect when Signing Up

 Signing up begins with the consultation. To request a consultation, you must simply fill out an online form, complete with your personal information. You will then be directed to a company representative.

Once you have the consultation, you will be presented with a strategy to improve your credit situation. If you accept and approve the plan, you start disputing false information on your account, not paying anything until the information is removed.

What Can Be Removed?

 Credit Expert can’t get rid of legitimate information from your credit report—it is unlawful to do so; however, the company will help you to remove those outdated, unverified and false items that are dropping your score. Some of the items the company can remove will include the following:

  • Charge-offs
  • Collections
  • Judgments
  • Late payments
  • Bankruptcies
  • Tax liens
  • Garnishments
  • Foreclosures
  • Repossessions

Once you have successfully removed these items, you can have a brighter financial outlook and better peace of mind.

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1 Credit Expert, LLC Reviews

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    July 15th, 2016 Detroit, MI

    No risk my butt!!! $150 non refundable waste of time and money!!! You do all the foot work calling creditors, and just give them your money! No thank you.

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