Credit Unlimited is a small personal credit repair and education company located in Evanston, Wyoming. Consumers receive restoration services with a money-back guarantee for an initial startup cost and ongoing monthly fees.
Credit Unlimited, while a small firm, provides professional credit repair services to clients residing in Wyoming. Those that enroll in the Credit Unlimited program can expect to receive the following as part of the service:
Money Back Guarantee
The company does offer a money-back guarantee for its customers. The guarantee offers some or all of your money back if unsatisfied, based on the number of disputed items successfully deleted. If the total amount paid exceeds the value of the deleted items after one year of service, the company will reimburse the difference. Full details regarding the refund policy are available to consumers on the corporate website.
While Credit Unlimited can help with various credit repair services, there are some limitations to the firm’s abilities as well. Prospective clients should be aware of the following drawbacks prior to enrollment:
Get your own Credit Reports
The company charges an initial $79.99 fee to set up a client’s credit profile. Thereafter, the charged rate is $79.99/month per individual. This is competitive pricing when comparing against industry leaders like Lexington Law. However, consumers are responsible for any fees involved in pulling their own credit reports for review.
No Licensed Attorneys on Staff
There are no licensed attorneys available on staff for consumers at Credit Unlimited. Those individuals who are dealing with bankruptcies or tax lien issues might find another similar credit repair company in the industry more suitable for their unique situation and household budget.
Frequently Asked Questions
How much does Credit Unlimited cost?
- $79.99 sign-up fee
Does Credit Unlimited allow me to enroll more than one person or my whole family?
No. Credit Unlimited does not have joint or whole family options.
How does Credit Unlimited repair my credit?
You provide a copy of your credit reports and let Credit Unlimited know which items need to be disputed with the credit bureaus.
Does Credit Unlimited provide Credit Monitoring?
Credit Unlimited does not offer credit monitoring.
What results can I expect from Credit Unlimited?
Customers of Credit Unlimited have experienced credit repair results first-hand; they have used credit repair to remove late payments, charge-offs, judgments, and more from their credit reports.
How can I contact Credit Unlimited?
You can contact Credit Unlimited by submitting a form found on the company’s website.
How it Works
Credit Unlimited conducts a simple three step process similar to what other credit repair companies use.
Step #1: Analysis
Once consumers set up a client profile and obtain their credit reports, analysts will review the reports for inaccurate credit items eligible for removal. The company will create a plan with the client to address these issues.
Step #2: Dispute Process
After determining what inaccurate items are eligible for removal, dispute letters will be drafted and sent to the credit bureaus. After the credit bureaus receive these letters, they will conduct a full investigation and then send the results to the client within 30 days.
Step #3: Settlement
Once disputed items are officially removed from the credit report, settlement begins to ensure the items stay permanently deleted.
What to Expect when Signing Up?
There are four steps when signing up and to get started with Credit Unlimited:
Step #1: Sign up with Credit Unlimited
Provide Credit Unlimited with the information needed to create an account and a profile for you in the Credit Unlimited client site.
Step #2: Get a Copy of Your Credit Reports
You will need to obtain a current copy of your credit reports in order to know which items to dispute with the credit bureaus. If you do not have one, Credit Unlimited is able to help get one for you.
Step #3: Provide us With Your Credit Reports
The information on your credit report is added to your Credit Unlimited profile. At this point, you can then log into the client site, view your credit reports online, and track your results.
Step #4: Tell Us Which Items to Dispute
The customer site is where you tell Credit Unlimited which items on your credit report you feel are inaccurate, incomplete, or unverifiable. These are the items they will work on disputing with the credit bureaus. While in the disputing stage, you will need to forward all correspondences you receive from the credit bureaus about your credit to Credit Unlimited.
What Can Be Removed?
Credit Unlimited is able to remove:
- Inaccurate credit items: these items should not be in your report, or include details that are incorrect. Such items may include improper reporting by creditors, dated information, duplicate entries, or items added to the wrong credit reports.
- Incomplete credit items: these items that give the wrong impression regarding the facts surrounding the items.
- Unverifiable credit items: these items cannot be confirmed as belonging to you.
Credit Unlimited claims to have helped customers repair credit by removing late payments, charge-offs, judgements, and more from credit reports. By doing so, clients have been able to purchase homes and get approved for loans. Credit Unlimited does not have the average amount of days it takes to see credit results posted on the website. There is no mention of most common credit score increases. Customers will not find any statistical data on success rates or an average number of items removed on behalf of clients.