Credit MRI Logo
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7 User Reviews

Credit MRI started in 2010 with the goal of helping people restore their credit both quickly and legally. But while the Florida-based credit repair 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.

Keep reading to learn more about Credit MRI's credit repair services. 

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The Good

  • Pay-Per-Deletion Pricing Model
  • No Upfront Payments
  • Full Initial Audit 

Pay-Per-Deletion Pricing Model

One of the most significant benefits of using Credit MRI is that clients are not required to pay a monthly subscription fee for its credit repair services.

Credit MRI operates on a pay-per-deletion structure, which means clients only pay for the items that are completely erased or corrected by the company's efforts. The credit repair company conducts an initial audit, which involves a full investigation of credit bureaus, collection agencies, and creditors, before asking for payment.

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

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. 

Full Initial Audit

As mentioned previously, the Credit MRI program includes the investigation of all three major credit bureaus, collection agencies, and creditors for credit report inaccuracies. The company works to delete inaccurate or misleading items like collections, foreclosures, charge offs, repossessions, judgments, and more. 

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The Bad

  • No Attorneys on Staff 
  • Poor Online Transparency 

No Attorneys on Staff

Credit MRI does not appear to 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.

Poor Online Transparency

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 their 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 per deletion, but no further explanation is given regarding specific items or their associated fees.

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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 and other important credit repair program information is readily available, customers may end up paying more with Credit MRI than they originally anticipated, and for less satisfactory results.

If you are interested in the Credit MRI program, we recommend that you contact the company directly and read several Credit MRI reviews before signing up for its credit repair services. 

View Best Credit Repair Companies

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Star Rating

3.7

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7 Reviews

Review Breakdown

5 grade

57%

4 grade

14%

3 grade

0%

2 grade

0%

1 grade

29%

Sentiment Criteria

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