Credit MRI started in 2010 with the goal of helping people restore their credit both quickly and legally. But while the company abides by all federal regulations, it ranks poorly in terms of customer service and online transparency; customers can trust Credit MRI to attempt to restore their credit, but are also given little information regarding the company’s legal experience and authority, as well as specific pricing information.

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Monthly Price
Company Rating


$79.95 -119.95







The Good

One of the most significant benefits of using Credit MRI is that clients are not required to pay a monthly subscription fee. Credit MRI operates on a pay-per-deletion structure, which means clients only pay for items that are completely erased or corrected. The company conducts an initial audit, which involves a full investigation of credit bureaus, collection agencies, and creditors, before asking for payment.

In addition to the pay-per-deletion structure, Credit MRI also does not charge any up-front fees for their services. And while the company cannot legally make commitments regarding a timeline for expected results; however, most of its clients see an increase in their credit scores within the first 60 days. Credit MRI also has an online portal for customers, available day or night, to help them keep track of the credit repair process.

No Upfront Payments or Subscription Fees

Credit MRI charges nothing up front, and customers only pay for removed items.


Favorable pricing model for individuals with few credit repair issues and a lower budget.

Full Initial Audit

Credit MRI investigates credit bureaus, collection agencies, and creditors for inaccuracies.

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The Bad

Credit MRI does not have any licensed attorneys on its staff, which can severely limit the company’s ability to represent its clients to debtors, put a stop to collection calls, or file lawsuits against creditors for inaccuracies on its clients’ credit reports.

In fact, very little information as to the qualifications and background of Credit MRI’s staff or employees can be found anywhere. Other companies will at least provide a basic background of its staff’s credit repair or legal experience. The company also fails to provide useful on-site information, such as specific pricing details; customers can expect to pay at per deletion, but no further explanation is given regarding specific items or their associated fees.

No Attorneys on Staff

With no on-staff attorneys, Credit MRI cannot legally represent clients in court.

Poor Online Transparency

Credit MRI lacks complete information regarding pricing and other fees.

Compare To Other Top Credit Repair Companies

The Bottom Line

Credit MRI is careful to follow all the federal and state regulations placed on credit repair companies, meaning it does not make guarantees regarding raising customers’ credit scores or expected times to do so. The company does not charge until services are rendered, which is also compliant with the law. However, because so little crucial pricing information is readily available, customers may end up paying more with Credit MRI that they originally anticipated, and for less satisfactory results.

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Frequently Asked Questions

How much does Credit MRI cost?

Customers pay per deletion from their record after enrolling with Credit MRI.

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

Only individuals may enroll as customers with Credit MRI. Spouses and other second parties must enroll separately.

How does Credit MRI repair my credit?

Credit MRI uses a professional, thorough approach to helping improve your credit score. Once you enroll, a company specialist will begin to go to work on your case, contacting not only credit report bureaus but collection agencies and other creditors as well. By identifying false charges and information from these sources on your report and by disputing these claims, Credit MRI helps remove the negative information from your report.

How does Credit MRI provide credit monitoring?

Once you sign up with Credit MRI, you have the ability to go to your online account and monitor the company’s progress as it works on your case. You get to see results with your own eyes.

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

Individual results vary, but most customers see results within 60 days of signing up.

What results can I expect from Credit MRI?

With the experienced, dedicated Credit MRI team at work, you can expect those erroneous items removed from your credit. You can also expect honest answers and forthright guidance as you move forward.

How can I contact Credit MRI?

You can call toll free at 1-888-491-1119 to reach a Credit MRI representative. If you prefer, you may fill out an online form, and a staff member will get in touch with you.

More Information

Published Results

Credit MRI is very cautious about making claims regarding its service. The company does state that it helps most customers see results with its credit score within 60 days, but it acknowledges that many factors determine whether this will be the case with you.

Price Breakdown

 While many credit repair companies charge up-front fees and monthly payments, Credit MRI will only charge you when it has been successful on your behalf. Here’s how the payment structure works:

Per-Deletion Charges

Don’t worry about having to pay a dime before results come because you won’t be expected to hand over any money until negative information is taken from your credit report. Credit MRI charges per deletion. So you’ll pay more only if the company does its job for you.

“No Results” Means You Pay Nothing

This isn’t the type of service you need to worry about wasting money on. You won’t ever have to pay a dime if Credit MRI doesn’t remove anything from your report.

No Hidden Costs

You may be skeptical and think there’s got to be a catch somewhere, but you’ll never have to pay anything upfront, nor will you ever be charged some surprised fee along the way.

How It Works

 Credit MRI believes in working diligently, honestly and in adhering to all laws and regulations. The credit repair process is sound and complete.


The enrollment process is so simple that you can take care of it in a matter of minutes. All you need to do is go online and fill out some basic information, and then a company representative will contact you.

Make a Game Plan

Credit MRI will work with you to come up with an effective strategy to make sure your credit gets to the point where you feel more comfortable. You will be in communication with the company to make sure you approve of the direction they’re going with your case.

Credit MRI Contacts the Right Parties

A staff member will immediately identify those questionable items on your report and will begin working to dispute the items and have them removed. Credit MRI won’t just contact report bureaus, but specialists will work with your creditors and with collection agencies directly.

What to Expect when Signing Up

The enrollment process shouldn’t take more than a few minutes to complete online. Credit MRI takes the hassle out things and eliminates needles paperwork and other materials.

Once you are enrolled, a professional credit repair specialist will contact you to discuss your needs and your case. You will not be pressured into making any commitments but will instead have the opportunity to discuss your concerns with the staff member.

What Can Be Removed?

 Credit MRI is not able to remove legitimate information from your account, just those false and outdated items on your credit report. Some of the items the company can remove include the following:

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

Upon removal of these items, you should see an increase in your score and should be a better position to secure loans and other credit.

Are there any inaccuracies in this review? We take our accuracy very seriously and would love your feedback. Give feedback here.

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2 Credit MRI Reviews

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    August 6th, 2016 Milwaukee, WI

    I love working with Credit MRI. They did everything they said they would, plus some. Although I had to pay more than I expected. The company was very nice about setting up a payment plan for me. Best credit repair system I’ve ever used.

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    October 5th, 2012 Dallas, TX

    I have tried a few more companies with little to no results. The folks at Credit MRI have been upfront and transparent about the entire process. I have never been charged for a single item that was not verified. The results are incredible and my credit scores are all up. The service is real and the billing is fair.

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