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Distinct Credit Solutions

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Distinct Credit Solutions is a woman-owned, veteran business that offers credit repair services that are designed to help clients restore, rebuild, and re-establish their credit. The company provides all potential clients with a free credit consultation that includes communication with a certified financial and credit repair specialist. 

In terms of credit repair services, the company offers one package option — the Start Up package. This package includes a three-bureau credit audit analysis, unlimited disputes, monthly updates, credit-building tools, document preparation, credit education and financial management tools, and more. 

Additionally, Distinct Credit Solutions offers add-on services including monthly credit monitoring services, three-bureau credit reports and scores, tax assistance and preparation, credit building loans and credit cards, and a home buying guide and home loan pre-approval with the company’s partner. 

When it comes to refunds, the credit repair company provides a 100 percent money-back guarantee if it fails to remove the negative items it has been working on within 120 days. It's important to note, however, that the company does have certain requirements that clients have to hit in order to qualify for the money-back guarantee.

Along with a 120-day, complete money-back guarantee, Distinct Credit Solutions gives clients access to around-the-clock customer support via a secure client portal.  

Read on to learn more about Distinct Credit Solutions’ credit repair package options and services.

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The Good

  • Credit Repair Services
  • Money-Back Guarantee
  • Client Resources

Credit Repair Services

In addition to a free credit consultation and money-back guarantee, Distinct Credit Solutions offers the following credit repair package and add on services: 

Start Up Package — This package costs an initial fee of $249 for enrollment/audit and initial document processing. With this package, clients will also pay $99 per month for credit monitoring, education, and credit restoration services. 

The Start Up package includes document preparation, three-bureau audit analysis, access to credit education and financial management tools, a debt management plan, credit-building tools, around-the-clock access to a secure client portal, monthly updates, and unlimited disputes. 

Add-On Services — The company offers a few add-on services including monthly credit monitoring services, three-bureau credit reports and credit scores, a home-buying guide and home loan pre-approval, credit-building loans and credit cards, and tax assistance/preparation services. 

According to Distinct Credit Solutions’ website, it has helped clients delete a variety of negative items including the following and more: 

  • Late payments
  • Charge offs
  • Judgments
  • Bankruptcies
  • Medical bills
  • Collections
  • Foreclosures
  • Student loans
  • Inquiries
  • Credit errors 

The company’s website also states that 93 percent of the company’s credit repair clients “see their credit score increase 10 points or more in the first 35 days.” 
Along with credit repair services, the company provides access to a 24/7 secure client portal which gives clients access to their case status and updated information. Clients can also choose to get phone call and text case updates/reminders as well as email case updates. 

Money-Back Guarantee

Distinct Credit Solutions offer a complete money-back guarantee to clients if its services cannot delete negative items within 120 days. According to the company’s website, in order to qualify for this complete refund, clients must have the following things occur: 

  • The company does not remove negative items worked on within 120 days. 
  • The client has no new collections or missed payments while using the company’s services. 
  • The client has maintained credit monitoring services the entire time while using the company’s services.
  • The client has sent updated credit reports and responses from all three major credit bureaus within five days of receipt. 
  • The client has not used a credit counseling agency and has not attempted to repair their credit one year prior to signing up for Distinct Credit Solutions’ services. 

Potential clients can visit the company’s website or speak to a company representative to learn more about its complete refund policy. 

Those interested in Distinct Credit Solutions’ services should also note that the company does not offer any credit repair result guarantees and that they must experience the things listed above in order to receive a full refund. 

Client Resources

In terms of client resources, Distinct Credit Solutions offer financial management tools, debt management tools, a home loan buying guide, weekly and monthly finance newsletters, a business-starting guide, and more. 

The company also gives clients access to a personal credit specialist and provides a detailed frequently asked questions page on its website along with a blog. Clients can use these resources to learn more about how they can create successful financial futures.

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The Bad

  • High Service Pricing
  • Limited Plan Options 

High Service Pricing

Although Distinct Credit Solutions provides a complete money-back guarantee and a free credit consultation, the company does charge fairly high prices for its credit repair services in comparison to other companies in the industry. 

The company charges an initial fee of $249, which covers enrollment, audit, and initial document processing fees. Additionally, the Distinct Credit Solutions charges a monthly fee of $99 which covers credit monitoring, education, and credit restoration fees. 

Distinct Credit Solutions claims that there are no hidden fees when it comes to its credit repair services. Potential clients can visit the company’s website to learn more about its credit repair services and package pricing.  

Limited Plan Options 

Unlike many other companies in the credit repair industry, Distinct Credit Solutions only offers one credit repair package option. This one option does include quite a bit in terms of credit repair and financial services; however, some customers may need additional services depending on their credit situations. 

Many credit repair companies offer multiple plan/package options in order to help consumers who need a wide range of credit help. Consumers who need additional credit repair or financial services may need to seek service elsewhere. 

Although Distinct Credit Solutions only provides one credit repair package, the company does offer a few add-on services that potential customers may want to consider.

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The Bottom Line

Distinct Credit Solutions is a Florida-based company that offers credit repair services to consumers that are designed to help them restore, rebuild, and re-establish their credit.

The credit repair company gives potential clients the opportunity to receive a free credit consultation and provides one credit repair service package called the Start up package. This package costs an initial fee of $249 along with a monthly fee of $99 and includes three-bureau audit analysis, unlimited disputes, document preparation, credit education and financial management tools, credit-building tools, monthly updates, a debt management plan, and more. 

When it comes to negative items, the company has been successful in removing late payments, charge offs, bankruptcies, medical bills, collections, foreclosures, student loans, inquiries, credit errors, and more. 

In addition to credit repair services, Distinct Credit Solutions offers a complete money-back guarantee to clients if its staff cannot remove any negative items within the first 120 days of service. Potential clients can read the content above or visit the company’s frequently-asked questions page online to learn more about what is required in order to receive a full refund.  

Along with a 100 percent money-back guarantee, the company provides clients with 24/7 access to a secure client portal. Clients can use this portal to access their case status and updates. The company also gives clients the option to receive phone or text reminders and case updates as well as email case updates. 

In terms of client resources, the company also gives clients access to an online blog, certified credit specialists, and a detailed FAQ page on its website. Clients can also contact the company whenever they wish via the phone number that is located at the bottom of the company’s main website page. 

Unlike other companies in the credit repair industry, Distinct Credit Solutions charges a high price for its initial fee and monthly fees. The company also only offers one plan option that potential clients can choose. Clients, however, are presented with a few add-on services that may make up for the lack of credit repair package options. 

Those interested in Distinct Credit Solutions’ credit repair services can visit the company’s website, sign up for a free credit consultation, and/or read Distinct Credit Solutions reviews to learn more.

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