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Credit Vision LLC

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LAST UPDATED: August 27th, 2022

Credit Vision provides comprehensive credit building, repair, and other financial services to individuals and businesses alike. Credit Vision focuses on utilizing consumer rights to ensure that inaccurate and negative items are removed reflecting a more accurate representation of spending habits. Credit Vision acknowledges that it cannot do anything that individual consumers cannot do on their own, however understanding the credit repair and negotiation process allows for better and more consistent results in a timely fashion. 

While Credit Vision was founded in 2022, the professional staff and leadership has over 10 years of experience within the credit repair industry. Additionally, some credit repair specialists also have mortgage experience allowing for insights into home buying for those clients looking to improve credit scores for potential mortgage rate purposes. 

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The Good

  • Wide Range of Credit Services
  • Transparent Pricing
  • Business Credit Repair
  • Other Financial Solutions

Wide Range of Credit Services

Most credit repair companies focus solely on removing inaccurate and negative items. While that is Credit Vision's main focus, the company offers the following additional services to consumers: credit monitoring, credit education, and a credit report review. By offering a wide range of credit services, Credit Vision is helping clients establish a solid financial foundation. 

Transparent Pricing

Not all credit repair companies are willing to disclose pricing or specific features included in their services. Instead, many companies will make general statements about the cost of their services and then tack on hidden fees. Credit Vision eliminates this problem by providing explicit pricing information with associated plan services and features.

Credit Vision offers three pricing packages:

Standard — $49.99 monthly fee, start-up fee of $69.99

  • Late payment removal
  • Hard inquiry
  • Personal information edits

Premier — $99.99 monthly fee, start-up fee of $149.99

  • Late payment removal
  • Hard inquiry
  • Personal information edits
  • Collection items
  • Charge-off removal
  • Medical bills

Elite — $129.99 monthly fee, start-up fee of $149.99

  • Late payment removal
  • Hard inquiry
  • Personal information edits
  • Collection items
  • Charge-off removal
  • Medical bills
  • Repossessions
  • Bankruptcies
  • Public record
  • Child support

This transparent, tiered pricing structure allows clients to choose services they need without having to pay for features unrelated to their specific credit case. 

Business Credit Repair

Most credit repair companies focus solely on providing services to individual consumers. Some will offer deals for couples looking to jointly improve credit scores, but the consumer remains the main focus. Credit Vision understands that individuals are not the only ones that need credit repair help, so its service extends to businesses as well.

The company offers two business packages:

Single Business Monthly Package — $99 enrollment/audit fee, $89 monthly for continued service

  • Credit education
  • 3 bureau audit analysis
  • 24/7 client portal access
  • Customer service support
  • Monthly updates
  • Credit building
  • No contract
  • Money-back guarantee if no deletions made within the first 90 days

Couple Business Monthly Package — $149 enrollment/audit fee, $134 monthly for continued service

  • Credit education
  • 3 bureau audit analysis
  • 24/7 client portal access
  • Customer service support
  • Monthly updates
  • Credit building
  • No contract
  • Money-back guarantee if no deletions made within the first 90 days

Businesses needing loans or other financial support may need to see an increased credit score in order to do so. Credit Vision can help make that happen. 

Other Financial Solutions

While credit repair is Credit Vision's main focus, other financial services are available to Credit Vision clients. Most credit repair companies strictly offer credit repair solutions, but Credit Vision also offers identity theft protection, debt settlements, and educatinal resources.

Some credit repair companies will offer some level of identity theft protection and limited financial education resources, but very rarely are debt settlement solutions available through a credit repair company. 

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The Bad

  • Young Company
  • Unknown Service Area

Young Company

Many companyies in the credit repair industry have been around for several years, helping clients remove inaccurate and negative items from major credit reports. These years of experience have helped companies and the support staff that handle each case understand the ins and outs of the item-removal business.

With Credit Vision, clients could potentially be missing out on this valuable experience and knowledge. The leadership at Credit Vision has been in the financial industry working either in credit repair or mortgage approval, but the company itself was only founded in 2022. For those with more complicated cases, Credit Vision may not have the experience needed to navigate those complexities. 

Unknown Service Area

Credit repair is legal in most states, but not all 50. Some credit repair companies only offer local services, providing help to those residing in one state. Credit repair companies generally make it known where services are offered, but Credit Vision has failed to disclose that information. Prospective clients will have to reach out directly to Credit Vision to determine whether the company can provide service in their specific area.

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The Bottom Line

Credit Vision provides consumers and businesses with credit repair services that are proven to produce results. Credit repair clients can expect a full credit report review, credit repair strategies, credit monitoring, and continued credit education.

A variety of pricing packages are available for individuals and businesses depending on the desired services and features. Business credit repair comes with monthly updates, bureau analysis, and a money-back guarantee. In addition to offering traditional credit repair services, Credit Vision also offers identity theft protection, debt settlement, and educational resources. 

While there are a number of reasons Credit Vision should be considered by consumers for credit repair services, there are some key items of information to be aware of. First, the company is brand new to the industry. Even if the leadership has experience, the business itself has limited experience taking on cases on its own. It is also unclear what states Credit Vision can provide services in. 

Consumers in need of credit repair to bolster their credit scores will likely benefit from Credit Vision's services. The business credit repair service is also viable. 

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