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. 

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Star Rating

3.7

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7 Reviews

Review Breakdown

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57%

4 grade

14%

3 grade

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2 grade

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1 grade

29%

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PeteMarshall ,

Credit MRI literally changed my life by helping me get my credit score high enough for a way better loan rate for my first home ever. My credit was not exactly "bad" but it wasn't great. I was looking at a really high interest rate which I ultimately could not afford. I saw a Credit MRI ad on Facebook and responded to it. Shane contacted me right away and after a few minutes had me believing they could help me. It took a couple of months to improve my credit score to a level that got me into a really low interest rate and luckily the house was still available. The amount of money I saved by not paying the higher interest rate was about $63,000 over the life of the 30 year loan. This is what a lot of people don't get about fixing their credit. You don't necessarily have to have "bad" credit but if your credit is just "ok credit" then you are going to pay a lot more in higher interest rates. The bottom line is the amount of money I will save by Credit MRI helping me was totally worth hiring them. I would strongly recommend anyone wanting to make their credit better than just "ok credit" talk to Credit MRI.

5 months ago

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Lee Robe Gadsden, AL

I started without paying one cent to Credit MRI upfront. The same promise they made all these other reviewers was made to me by both the rep I dealt with and the CEO Barry. When I started in November of 2019 my credit scores were in the low 500's due to a nasty divorce leaving me holding a ton of debt from both my ex and I's life items. Today I check my monitoring service (Identity IQ. Which I might and is the only thing I paid for first but no relation to Credit MRI this is to validate any updates on my credit bureaus independently. They told me that I'd pay for this service upfront which was $1 for the first 7 days and then $21.95 ea month after) and to finish that thought, my scores are 701, 709, and 712 and in Jan I purchased a used vehicle with their help...it was a $35,000 loan with already a 100 point increase since I started with them only 2 months prior. In the first 90 days they were able to remove about 90% of all the negative items and even help me get a loan with a dealership that they worked with who referred me to them. Today I'm on my way to buying my first home ever and the CEO personally has helped me with getting 103% advance for the purchase of this home. Barry and the Credit MRI team are LIFE CHANGERS!!! Thank you thank you thank you thank you.

1 year ago

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John Barker Morristown, AZ

I contacted a number of credit repair companies and I was subjected to pushy salesman demanding near a thousand or more dollars up front. I contacted MRI and i was surprised how reasonable their fee schedule was and how easy they were to conduct business with. Within a couple months my three credit bureau scores increased and my negative credit listings began to disappear. I think choosing MRI was the best financial decision I have made in years,

3 years ago

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Bobby Mitchell 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.

8 years ago

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