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Credit Universe

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LAST UPDATED: October 10th, 2019

Credit Universe strives to help clients repair their credit and build a positive history with access to more than 200 affiliates. The company also assists small businesses to obtain credit for their EIN that is not linked to their SSN. All Credit Universe members have access to mortgage lending options with experts. Credit Universe prides itself on being a one-stop for all financial services. The company has mortgage loan originators, notaries, paralegals, and certified consultants on staff.

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The Good

  • Reasonable Monthly Price
  • Money-Back Guarantee
  • Two Plan Options

Reasonable Monthly Price

Credit Universe has a reasonable monthly price compared to other companies in the credit repair industry. The company offers members two packages to choose from. Customers can choose a lower or slightly higher price depending on the package. Some credit repair companies only offer one package or plan at a set price which can discourage customers from purchasing their service.

Money-Back Guarantee

The company offers all members a 90-day money-back guarantee. Unlike some other companies, Credit Universe's money-back guarantee ensures that customers get a full refund if they are not pleased with the company's credit repair services. According to the company's website, Credit Universe understands that its credit repair services are not always 100 percent successful and allows customers the protection of a money-back guarantee in these cases.

Two Plan Options

Credit Universe offers customers two plan options to choose from: the Round Trip Package and the All Inclusive Package. According to Credit Universe's website, the Round Trip Package includes bureau challenges, creditor interventions, score analysis, access to build credit, personal finance consultant, and a maximum of three accounts or less. The All Inclusive Package consists of bureau challenges with cease and desist letters, direct communication with the creditor, score analysis as well as in-depth monitoring, access to build credit and $500 certificate, a personal finance consultant along with a free mortgage consultation, and a minimum of four accounts or more. Customers should keep in mind that the All Inclusive Package requires customers to pay a little bit more money each month than the Round Trip Package.


The Bad

  • High First-Time Fees
  • Short Time in Business
  • Limited Site Information

High First-Time Fees

The first-time fees for both packages are higher than the industry average. Some credit repair companies do not even charge customers a first-time fee. Customers interested in Credit Universe's credit repair services should keep this in mind.

Short Time in Business

Since Credit Universe has only been in business since 2013, it is one of the younger companies in the credit repair industry. This may be problematic to those who are looking for a credit repair company with extensive experience restoring credit.

Limited Site Information

Although Credit Universe provides pricing and other basic information regarding its services, customers must fill out a form and/or directly contact the company to obtain any additional information. Some credit repair companies offer this information upfront. The site does not address whether the company offers free consultations, credit reports, education resources concerning credit card usage and credit scores, payment method options, a membership fee, an online membership portal, etc.


The Bottom Line

Credit Universe offers a reasonable monthly price for its credit repair services in comparison to some other credit repair companies. The company also provides members with two plan options and a 90-day money-back guarantee. Unfortunately, Credit Universe charges high first-time fees for both its Round Trip Package and All Inclusive Package. The company's site also lacks some important upfront information and is one of the younger companies within the credit repair industry.

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Berkan Clifton, NJ

I am currently using  Credit Universe  services and it is excellent. My credit has gone up. They respond quickly to my questions and they have shared tips! I am blessed and excited to know I trusted the best company to handle something so important to my family and I. Thank you Universe!

5 years ago

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Kathy J South Hackensack, NJ

Thank you so much! You all did a great job and my husband and I just closed on our house today. We don`t know the credit scores from all the credit bureaus, but our lender uses Experian. I was a 740 and my spouse was a 730. We are both pleased!

5 years ago

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Mohammed Khawatmi Clifton, NJ

Credit Universe saved my family $350 per month on our home mortgage loan. That`s money right in my pocket--month after month! Thanks a million.

5 years ago Edited September 14, 2021