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29 User Reviews


Overall Score

LAST UPDATED: September 22nd, 2021, which was founded in 1997, is a private credit law firm that offers credit repair, credit monitoring, and credit coaching assistance to consumers on a monthly subscription basis.

The credit repair company offers one-on-one coaching, pay-for-delete creditor negotiations, student loan consolidation, and tax preparation services. The company also assists consumers with home and auto loan approval preparation.

Like the majority of other credit repair companies, provides a free credit consultation. services also include MOV requests, Debt Validation, Permissible Purpose Verification, and Goodwill Requests.

Keep reading to learn more about the pros and cons of's credit repair services. 

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The Good

  • Extensive Credit Restoration Services 
  • Lower-Than-Average Pricing 
  • Time in Business 

The company appears to provide a fairly straightforward process that maximizes results in a realistic period of time. Benefits of include:

Extensive Credit Restoration Services delivers an extensive range of credit restoration services to help consumers reduce overall debt and increase their credit scores.

The credit repair company creates customized plans for its clientele and works to stop harassing calls from debt collectors. also works with clients to obtain mortgage loans in the home-buying process.

Unlike most companies within the credit repair industry, provides unlimited credit bureau challenges, unlimited inquiry challenges, unlimited goodwill interventions, and unlimited debt validation services. 

Lower-Than-Average Pricing charges customers a monthly price of $49.99 which is on the lower end of pricing in comparison to other companies in the credit repair industry.

The company also charges a first-time fee of $49.99 which is significantly less, once again, than what other credit repair companies charge for first-time fees.

According to's website, customers can cancel services "at any time without penalty or any further obligation". 

Time in Business was founded in 1997 which makes it one of the older credit repair companies in the industry. Due to its time in business, the company retains a level of experience and respect that newer companies may lack. 


The Bad

  • Limited Website Information
  • Lacks Official Money-Back Warranty 

Although has designed a process that will help consumers remove inaccuracies, there are limitations to their platform as well. 

Limited Website Information 

While is transparent about its pricing and services online, the company is not very clear about its refund policy, whether or not it provides clients with an app or online portal access, whether or not it provides clients with extra financial tools, how long its credit repair process generally take, and more. 

Lacks Official Money-Back Warranty does not appear to have an official money-back guarantee.

Instead, the company applies a money-back warranty on a case-by-case basis. customers may only get the money-back warranty if the company deems it to be necessary. 


The Bottom Line is a private credit repair company that provides extensive credit restoration services to individuals requiring long-term credit repair.

Services include one-on-one credit coaching, pay-for-delete creditor negotiations, student loan consolidation, and tax preparation services. also has lower-than-average pricing and has experience from being in business since 1997. However, the company does not have an official money-back guarantee and fails to disclose some information on its website.

If you are looking for a cheaper monthly subscription credit repair service, may be a company to consider. That said, we encourage you to conduct your own research, read several reviews, and talk to a company representative to see if is the right service for you. 

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29 Reviews

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Sandra Landerstein Scottsdale, AZ

I signed up with credit firm about 8 months ago. Then things got busy for me, I had a baby, this, that, and the other, so I completely forgot about them. Then, I went to a dealership to try and buy a minivan last Saturday, I was hoping that I could get approved for something decent (I have never had good credit). They pulled my credit and my score was 726! Then I remembered that I hired a company to fix my credit, and boy did they ever. I got a brand new Honda Odyssey at 0.9% APR! I drove out with a big grin on my face. I think I'll have credit firm work a bit more to get my scores to 800. I'm very happy.

6 years ago

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Jermon Mableton, GA

My score is now 146 fica points higher than it was before. The company did good but communication could have been faster. The price was great and I definitely got my money's worth. I would probably give them 5 stars if they replied faster but in some cases I had to wait a few hours to get a call back from the guy working on my case. In the end my credit is a lot better and I didn't have to spend a fortune fixing it.

3 years ago

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Cathy Moody Edison, NJ

I don't usually do these types of things and leave reviews but, these guys did a good job, a really good job. They were pretty up front with me throughout the whole process and explained exactly what they were doing over the course of the 5 months that I was with them. Instead of being vague like other companies I talked to they explain every part, every process, and every step that they took, and that was very important to me. My scores went up, a bunch of stuff got deleted - I'm happy.

4 years ago

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Janet Stein Plano, TX

Company did a good job, they deleted a lot of my medical collections and cleared off some old late payments from a few years back. My scores on credit karma both went up over 100 points so I'm happy but, the price for the service is $50 a month not $40.

5 years ago

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Derek Roman Vernon Hills, IL

Credit score went up 71 points after credit firm deleted 12 accounts off my reports. Great service, super cheap! I'd give them a 10 if they responded to emails faster, but I can't really complain since they got rid of $8,000 in collections from my reports.

6 years ago

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Dontrey S. Plano, TX

After 11 months credit firm deleted 24 accounts including a $12,000 collection account for my repossessed car. My scores all went up over 150 points and I just got word that I'm pre approved to buy a house.

5 years ago

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Jackson Moore Vernon Hills, IL

Got 18 accounts deleted off my report in 5 months and my score increased about 120 points. Good company to help get your credit right.

7 years ago

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