Credit Innovations claims to be the number one credit repair network. As of August 15, 2016, Credit Innovation’s website does not meet Google’s proper internet safety criteria. You will receive a warning that your connection is not private. Due to this warning, we do not recommend potential customers to visit its website.

The company’s website lists the numerous awards of recognition it has received. Clients pay a one-time fee for credit restoration services. However, space is limited as the company only assists 50 clients on a monthly basis.

Rank Chart
Monthly Price
Company Rating
Review

#1

$99.95
9.4

#2

$99.95
9.0

#3

$59
8.9

#30
credit-innovations

$699
5.5

The Good

Credit Innovations helps their clients remove erroneous items from their credit reports to help improve credit scores. In addition to providing professional credit repair services, there are a number of other beneficial features that prospective clients should be aware of. These include:

Extensive Credit Repair Services

Credit Innovations provides consumers with a free consultation, financial calculators, and loan options. The company uses up-to-date software programs to achieve an 80 percent deletion rate. Long-term debt management and financial services are also provided at no additional charge. $500 credit limit credit card accounts are also available for clients.

Price Plan Assistant

The company offers a fast and easy pricing assistant tool on its corporate website to help give customers a quote based on their unique credit situation. Consumers simply answer a few basic questions and the online tool will give consumers an estimate on how much they will have to pay for credit repair services through the company.

The Bad

While Credit Innovations can help their clients get the credit help they need to approve for loans or for other needs, there are concerns that should be addressed. Those considering Credit Innovations for credit repair services should be aware of the following:

Expensive Setup Fee

Credit Innovations charges a one-time fee of $699, which is higher than that charged by similar credit repair companies. The company does not disclose whether or not they offer flexible payment options. Consumers will have to contact the company directly and speak with a customer service representative for this information.

The Bottom Line

Credit Innovations offers extensive credit repair services for a one-time fee to individuals requiring long-term assistance in establishing good credit. Long-term debt management services are provided at no additional charges. However, the company only works with a specific number of clients on a monthly basis.

How it Works

Credit Innovations uses a three step process similar to that of other credit repair companies.

Step #1: Analysis
The company will review credit reports for inaccurate items and determine what may be eligible for removal.The company will also work with the client to establish a long-term plan for financial and debt management issues.

Step #2: Dispute Process
The credit repair company will then draft and send dispute letters to the credit bureaus on the client’s behalf. Once the credit bureaus receive these letters, an investigation will be conducts with results sent to the client within 30 days.

Step #3: Settlement
Once items are removed from credit reports, settlement will begin to resolve any possible debt.

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10 Credit Innovations Reviews

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  1. User Score

    10

    March 31st, 2016 Sandy, UT

    I have been using Credit Innovation for several years and I am totally satisfied with my results. Owning a small business and being subjected to the ups and downs of the economy my credit score took a beating. now that I am doing better I needed credit repair help. I am totally excited about the results ! My score did go up because they corrected some big mistakes made by some of the creditors etc. I have referred them to my friends and they also are satisfied with their results.

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  2. User Score

    0

    February 29th, 2016 Gainesville, FL

    Gave Mr false information on the prices. Now they are retaliating and ruining my credit even more.

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  3. User Score

    0

    March 27th, 2014 Seattle, WA

    Stay away! They are now operating under Credit Repair Nerds – not to be confused with the one in AR. Scott Been will take your money and disappear…BTW Penny works for Scott.

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  4. User Score

    0

    October 9th, 2013 Katy, TX

    This company, Credit Innovations is a joke. My credit score went down from them working on it not up. He is a scam artist and con man and no results guy. The 2 good reviews he has are from his ex-girlfriend and his new main squeeze. Just look into this company before you hire them, and if you do, you’ll go somewhere else. They are now operating under a new name Credit Repair Nerds, but its the same people with the same business ethics, so don’t be fooled, they’ll still steal from you, regardless of the name they go by, the thieves are still there. DO YOUR HOMEWORK!!!!

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  5. User Score

    0

    July 9th, 2013 Thousand Oaks, CA

    Scott Been is a salesman thats IT! He talks really good and will convince you that you are making a good decision however I got return mail on what was sent to the bureaus. I could have done that myself. Save your money because otherwise its a donation to a salesman.

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  6. User Score

    10

    April 24th, 2013 Katy, TX

    Got me and my husband approved for our mortgage. We started at a 568, ended with a 744. Credit Repair isn’t about removals only. We had to establish our credit while they were cleaning us up. As long as you stay on their program and maintain your open accounts, you’ll be good to go.

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    1

  7. User Score

    10

    February 9th, 2013 League City, TX

    Thank you Credit Innovations for the professional knowledge and help with all my credit issues. You guys are the best.

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    1

  8. User Score

    2

    December 17th, 2012 Killeen, TX

    I will agree with the previous stated review while at first it all seemed great and things were slowly coming off, his website makes promises he doesn’t follow through with. He will take your money and when he doesn’t feel like working on your case anymore even if you have paid up front he will not call you back, ignore your calls, and he will just stop working on your case even if he tells you that he is going to do a final pull.

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  9. User Score

    0

    September 23rd, 2012 Tomball, TX

    Terrible customer service. Took my money and did nothing for me then threatened to sue me when I ask for a refund. They are self promotors that use other websites they started to write good reviews about themselves. Scott Been is a theif and a crook. DON’T DO BUISNESS W THIS COMPANY.

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  10. User Score

    0

    September 7th, 2012

    A while back i used a friends reference for a good credit repair guy. Then company is Credit Innovations. Guys name is Scott Been. BEWARE OF THIS GUY. He is a scam artist and will smooth talk you into giving him money to repair your credit. I paid him over $600 Dollars. At first i expected it to take time he said as long as thirty days before i saw a difference. He told me to open multiple credit cards and keep the balance low, I opened 2 new ones and I, MYSELF called one of my collections and had them transfer the debt to a new card to get it in good standing. I called or messaged him almost every week tryin to get an update and rarely rieceived one. When i did, all he told me was that he would handle it. I even suggested that i try and settle with some of my accounts. He urged me not to and so i paid him off. Almost immediatly after i made last payment he went missing. didnt return calls, text, emails, facebook messages. His website is cicreditrepair.com if you look on there it shows the BBB logo. He is NOT accredited by the BBB and is committing copyright infringement. Ive already confirmed this with the BBB and they are investigating him. After i told him i was going to report him for fraud he tried to tell me that he had special privileges and had a personal contact with the BBB. He also said that no credit counseling company was allowed to be accredited by the BBB, which is also a lie. Its not hard to look up the BBB so why hes lying is beyond me. He doesnt. and he would not give me their contact info. **THIS GUY IS A FRAUD* He will deny this completly but its 110% true. this guy had my credit card information so i had to change. I have reffered friends to him and i have seen alot of my friends use his service and they also say he was very hard to reach and very shady. Once again the guys info:

    Scott Been
    Credit Innovations
    CIcreditrepair.com

    Look him up on the BBB and you will see that he is not accredited.

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