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Credit Innovation Group

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16 User Reviews

3.8

Overall Score

LAST UPDATED: October 8th, 2021

Credit Innovation Group is a credit counseling company located in Salt Lake City, Utah that offers a four-step credit repair program which typically takes members about six months to complete.

The company provides each member with a dedicated credit specialist who can offer assistance throughout the credit repair process.

Additionally, Credit Innovation Group works with all of the major credit reporting bureaus to correct inaccurate items on clients' credit reports in order to help them improve their credit situations. According to the company's website, Credit Innovation Group uses an electronic disputing process.

In addition to credit repair, Credit Innovation Group provides services and tools that are designed to help members build a strong credit profile and leverage their credit to achieve finance-related goals like buying a new house. 

Keep reading to learn more about Credit Innovation Group’s credit repair services. 

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The Good

  • 4-Step Credit Repair Process
  • Helpful Tools and Services
  • Additional Resources

Credit Innovation Group has two membership options that consumers can choose from - the Gold membership and the Platinum membership. Each membership includes a 30-minute credit consultation, access to a mobile app, helpful tools, and more. It appears that consumers can only get credit repair services through the company's Platinum membership. 

4-Step Credit Repair Process

Credit Innovation Group offers the following four-step credit repair process: 

  • Step one — The company will analyze the client’s current credit situation and look at their credit reports.
  • Step two — The company will start the electronic dispute process. 
  • Step three — The company will wait to receive dispute responses from credit bureaus and will take further action if needed. 
  • Step four — The company will continue with disputes (as long as the client maintains membership status) if the targeted items haven’t been resolved within six months. 

As mentioned above, the Credit Innovation Group credit repair program can take about six months to get the best results. Since results can vary, some clients may take longer than others to go through the company's credit repair program. The company states online that it focuses on removing inaccuracies or misleading items that make include charge-offs, collections, late payments, bankruptcies, foreclosures, and repossessions.

Credit Innovation Group also acknowledges on its main website that each credit situation is different and that it cannot guarantee that clients will reach a certain credit score after going through its credit repair process.

Helpful Tools and Services

Unlike some other companies in the credit repair industry, Credit Innovation Group members are given a few extra helpful credit tools and services. 

In terms of tools, Credit Innovation Group provides all members with access to a member-only mobile app. The company also provides a Score Watcher tool that allows members to have anytime access to their credit scores and credit reports. Members can also use this tool to monitor their credit activity and to prevent identity theft or fraud.

In addition to tools, Credit Innovation Group offers a rewards program which can help members get discounts, cash back, and more. The company also offers a cashflow accelerator service that is designed to help members get out of debt. 

Additional Resources

Along with credit repair services and tools, Credit Innovation Group provides Platinum members with some helpful resources like a home guide and a credit-building guide. Members can use these guides to achieve their credit and financial goals. 

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The Bad

  • High Setup Fee
  • No Legal Assistance
  • Limited Website Information

High Setup Fee

Credit Innovation Group does charge a relatively high initial fee for its credit repair service.

To start the company's credit repair process, clients must pay a one-time fee of $149. Meanwhile, some other companies in the industry either do not charge a one-time fee or charge a lower one-time fee.

The combination of the company's $149 one-time fee plus its $99 per month subscription fee may be more than what some consumers are looking to pay in terms of credit repair services. 

No Legal Assistance

Credit Innovation Group does not appear to provide any legal assistance to clients as part of its repair process.

Many other credit repair companies in the industry have at least one person on staff who is available to help clients with their legal-related credit questions and concerns.

Limited Website Information

Although Credit Innovation Group does provide some information on its website regarding its prices and repair services, there is still a significant amount of important information that the company does not disclose online.

Clients who want to learn the details of the company's credit repair services, technology, refund policy, what pricing options are available, and what certifications the company's credit repair specialists have must contact the company directly.

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The Bottom Line

Credit Innovation Group provides a straightforward credit repair process for $99 per month. The company’s credit repair program includes a 30-minute credit report evaluation and recommendation along with direct help from a dedicated credit specialist.

Credit Innovation Group also provides helpful tools and services such as a mobile app and rewards program. Additionally, the company provides those who have a Platinum membership with  resources that are designed to help members achieve improved long-term financial success.

Unfortunately, the company does appear to charge a relatively high initial fee in comparison to other companies in the credit repair industry. Credit Innovation Group also fails to disclose some important information on its main website regarding its repair services.

If you are looking for a credit repair program that includes additional services and tools, Credit Innovation Group may be the right fit for you. That said,  potential members like you are still highly encouraged to contact the company directly and read several Credit Innovation Group customer experience reviews to learn more about what the company has to offer since there is limited information available online. 

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Star Rating

3.6

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16 Reviews

Review Breakdown

5 grade

50%

4 grade

6%

3 grade

19%

2 grade

0%

1 grade

25%

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Sondra Lansing, MI

I am mad as ever. This company is full of it. The terms and agreement for the 5 day if you like it or not is a waste of time because there is no change to happen in 5 days of being with them so why give your customer five days to say yes or no before the 140 comes out? Also I got ripped off. You guys agreed to take out the amount on a certain date and didn't. Then out of now where you guys take the amount finally and I immediately sent a email to my specialist to get my refund and she said I had 5 days to make that decision from the time frame of setting this up and I don't understand if the payment wasn't originally taken out that date agreed upon how is it I can't ask for the refund when the first payment wasn't taking in the time frame agreed too? I am reporting this. I can't believe the person I have as a specialist because she states the money was owed when YA'LL NEVER DID NOTHING!!!!!!! all you did was talk and analyze which wasn't worth $140.00

8 months ago

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Reply from Credit Innovation Group

Hi Sondra, I am unable to review your file based on the information available to me on this platform. However, to give you a little insight, the 5 day right of rescission is the law and we advise you of this right to ensure you are aware of your rights. Once the 5 days if over, you are fully under contract with us and therefore, the $140 is due and owed for the work we performed on your file. We do much more than just pull a credit report and analyze as you say. In the initial 5 days, we set up your portal, map out your individualized goals and develop a step by step process to ensure you reach each milestone, as well as analyze your file, dispute items and go over the process with you. There is an entire team of people working behind the scenes for you during this time to ensure you're on track to achieve your credit goals. The bureaus have 30 days to process disputes, but since we use an electronic system, we often see results much faster and even within the first 5 days. We aim to ensure that all our members have an exemplary customer experience with us and we are sorry that we have fallen short. If you would like to message us your information privately, I would be happy to launch an investigation into your file and help resolve this issue. Please email us at [email protected] ATTN: ELISE in the subject line.

Feb. 13th, 2021

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Matome Makgothokgo Polokwane, LP

am a member at innovation group concerning motor plan wherein the company charge me double in my policy .

2 weeks ago

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Reply from Credit Innovation Group

Hello, we are unable to locate a file matching your name and we do not have any "motor plans". We aim to provide positive experiences at all times and would love to assist you. Please contact us at 1-877-226-9442 or email us at [email protected]

Oct. 11th, 2021

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Tristan Hall Buffalo, NY

SCAMMERS! DO NOT GIVE THESE PEOPLE YOUR MONEY, I HAVE BEEN CALLING FOR WEEKS, DIFFRENT TIMES NO ANSWER FROM ANYONE! ANYTIME I GET AN EMAIL ITS ABOUT SPENDING MORE MONEY ON SERVICES CONNECTED TO THEM! PLEASE ISSUE ME MY FULL REFUND, OR I WILL CONTINUE TO TAKE LEGAL ACTION YOU! AGAIN, IVE BEEN THROUGH 4/5 SPECIALIST, AND NOTHING HAS BEEN WORKING OR HELPING, EXCERPT WHEN ITS TIME TO PAY, THAT WHEN YOU GET A PHONE CALL. CREDIT INNOVATION GROUP ADVISE ON WHAT THE SOLUTION WILL BE. Tristan

1 month ago

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Reply from Credit Innovation Group

Hi, Tristan. At Credit Innovation Group, we aim to provide positive experiences at all times. We investigated your file and determined that your specialist was changed at your request and that we have been trying to work with your financial needs to the best of our ability. After speaking with you, our team was able to resolve your complaint to your satisfaction. If you have any further questions or concerns please reach out to us at [email protected] or Direct message us again through Facebook.

Aug. 27th, 2021

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David West Amelia, OH

Then there are going on 8 months and one deletion

3 months ago

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Reply from Credit Innovation Group

Hello, David. Thank you for bringing this to our attention. Here at CIG we take great care to provide a positive customer experience at all times. We are sorry to hear that your expectations have not been met. I have reviewed your file and found that our records show different results and do show that you have had more positive improvements to your credit profile then posted in this review. Our program is designed to do more than just remove incorrect items from your reports. We aim to teach our members how to build and leverage their credit as well so that they may accomplish their goals. It is important to remember that just removing incorrect items will not always help you accomplish your credit goals. Also, anytime an inquiry is made or a new account is added, there is a chance that your score will decrease. I have asked your specialist to reach out to you to discuss your specific profile and we hope to earn a higher rating from you in the future.

Jul. 20th, 2021

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