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Credit Innovation Group


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16 User Reviews


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. 


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.


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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Talanye St Louis, MO

I really can’t complain because my agent now is more involved with my profile with helping me reach MY goal and that is getting into a home of my dreams! Overall I like the program but I do think they could do a bit more considering the length of payments amd monthly payments. I have faith that they will help me get there. Shout out Rosie H‼️ You’re doing great 😊

2 months ago

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Reply from Credit Innovation Group

Thank you, Talanye! We appreciate your feedback and we are always looking for ways to improve! We appreciate you taking the time to share your experience with us!

Aug. 3rd, 2021

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Mary Earl Lebanon, PA

My husband and I have been with CIG now for almost a year, Not worth your money. Also we have taken steps by ourselves to improve our stuff because our Specialists isn't much help. They say within a time frame things will get better but nope. Just do the work yourself. They will write a reply to this saying that did amazing things but no Just no.

3 months ago

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Reply from Credit Innovation Group

Hi, Mary. You are right, you have had amazing things happen with our help and we are sorry to hear that we didn't meet your expectation. We have very high expectations at Credit Innovation Group and would love the opportunity to improve. Please get in touch with us at (877) 226-9442!

Jul. 27th, 2021

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Jamieann Cerra ,

I just started working with this company and the price is exceptionally high. It's not just $149. They got $149 from both me and my fiance. Plus another fee of $15 each. We've spent total $300 in a week. I'm waiting to see if there's actually results. I was using Lexington Law. Which is so much cheaper with their work and results. This company literally PUSHED ME INTO THE PURCHASE & I had instant buyers remorse. I feel sick to my stomach with the money we just wasted on this overpriced farse. Stick with Lexington Law!!!!!

8 months ago

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Reply from Credit Innovation Group

Hi Jamie, I have asked your specialist to reach out to you and explain our products better and review our pricing structure. We do operate differently than Lexington Law and we offer a home ready map that aims to educate our members on exactly what they need to do in order to accomplish their credit goals. We have high expectations for ourselves at CIG and providing an exemplary customer experience is important to us. Thank you for your feedback and allowing us the opportunity to improve our services.

Jan. 29th, 2021

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