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Dr. Credit Expert


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3 User Reviews
LAST UPDATED: September 13th, 2019

Dr. Credit Expert charges $59 per month for its credit repair services. To start, the company offers a free consultation as well as a free credit analysis. Clients will then receive a credit repair action plan, their own credit expert team, financial product recommendations, and educational credit resources. Additionally, the company has a client portal that customers can access in order to track their credit progress. In terms of a guarantee, the company does appear to have a satisfaction guarantee, but does not give sufficient details regarding the guarantee on its website.

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The Good

  • Affordable Monthly Plan (no contracts)
  • Free Credit Consultation and Analysis
  • Client Portal

Affordable Monthly Plan

Dr. Credit Expert is transparent in what it charges for its credit repair services. In fact, the company charges a lower fee than what most top credit repair companies charge. Clients pay an initial fee of $99 and then pay $59 per month each month they are using Dr. Credit Expert’s credit repair services. In addition to its relatively low monthly fee, the company claims to offer a couples discount.

Dr. Credit Expert does not require clients to sign a long-term contract. Dr. Credit Expert clients are placed on a month-by-month credit repair plan, which allows them to have more freedom to choose when they want to cancel services.

Free Credit Consultation and Analysis

Dr. Credit Expert offers a free “no pressure” credit consultation to determine what each client’s credit goals are. It’s important to note that this credit repair company does disclose on its website that it only takes on clients that it knows it can help. After the initial free credit consultation, the company will then conduct a free credit report analysis.This analysis helps the company understand which negative items to focus on and what plan of action it needs to take. Within this credit analysis meeting, the Dr. Credit Expert staff will also provide financial product recommendations along with educational credit resources. According to the Dr. Credit Expert website, the company’s “mission is to be upfront, honest, and make good credit obtainable to everyone.”

Client Portal

Credit repair can take some time; however, the Dr. Credit Expert  website states that “some clients see improvement in as little as 40 days.” The company offers clients access to a secure client portal where they can view their credit progress and what the company is doing each month. This portal can help clients know where they stand and provides some transparency regarding the company’s credit repair process.


The Bad

  • Limited Website Information
  • Limited Plan Options
  • Time in Operation

Limited Website Information

Dr. Credit Expert is fairly transparent when it comes to its monthly fee and one-time fee. However, the company does not appear to disclose in-depth information regarding its satisfaction guarantee, customer reviews, which credit bureaus it works with, its credit repair process, and more. Those who want to know these details must directly contact the company.

Limited Plan Options

Dr. Credit Expert only seems to provide one credit repair plan option that costs $59 per month. Meanwhile, several other companies in the credit repair industry offer multiple plan and price options.

Time in Operation

Dr. Credit Expert was founded in 2010 and, therefore, is significantly newer to the credit repair industry than most of its competitors. Since the company is young, it may not have the same reputation and client trust that other credit repair companies have.


The Bottom Line

Dr. Credit Expert is fairly transparent with its pricing information, unlike many companies in the credit repair industry. Clients are charged a relatively low monthly fee of $59. In addition to its affordable pricing, Dr. Credit Expert offers a free consultation and credit report analysis as well as a secure client portal. Dr. Credit Expert does, however, lack some important information on its website. Additionally, the company does not appear to offer multiple plan or pricing options and is a newer company in the credit repair industry. Those interested in Dr. Credit Expert services are encouraged to conduct their own research and read customer reviews. 

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3 Reviews

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Scott Cocoa Beach, FL

My credit was ruined after I lost my job and it caused me to miss quite a few payments. My sister had used them before so I gave them a try. They got all my charge offs/collections off my account. I could even text them after business hours if I had any questions. They where way better than I expected. The customer service is top notch. I would recommend them to anyone who needs help with their credit. Because of them my score went from 514 to 773 in a year and a half! Well worth the time and money! Wish I started sooner.

3 years ago

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Reply from Dr. Credit Expert

Thanks you so much! So happy we could help you improve your credit!

Apr. 17th, 2019

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Sandra S Hopewell Junction, NY

Dr Credit Expert has really helped me out. I got a divorce a couple of years ago and got into a little trouble. Now that I'm working again and found Dr. Credit Expert, I'm finally on my way to a much better credit score and life. I highly recommend!

3 years ago

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Reply from Dr. Credit Expert

Glad we could help!

Apr. 17th, 2019

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Mike T Los Angeles, CA

Dr credit expert has helped me tremendously. I had 8 collection accounts. They are easy to contact. Very prompt response. Great service especially for the price. I now have excellent credit. Thanks Dr Credit!

3 years ago

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Reply from Dr. Credit Expert

Your welcome Mike, so glad we were able to help you!

May. 2nd, 2019