Houston-based Improve My Credit USA helps its customers' identity mistakes in their credit reports, build credit, settle debts with credit agencies, and even reduce debt. In addition to a do-it-yourself credit repair kit, the company provides professional credit repair at a modest monthly rate. While the company offers competitive services, its initial audit fee is considerably higher than the top companies.

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The Good

Competitive Monthly Rate
Access to Legal Services
Deletion Warranty

Improve My Credit USA provides a number of standard services found in most credit repair companies, along with some services that are fairly unique. For example, the company's deletion warranty prevents customers from having to pay for negative items that reappear on their credit reports. The company also has access to a full-fledged law firm to help customers in need of legal assistance. Lastly, Improve My Credit USA only charges $99 per month, which is a similar monthly rate to most companies.

Competitive Monthly Rate

Improve My Credit USA charges $99/month (with a $199 initial fee).

Access to Legal Services

The company works closely with a law firm to address complicated credit repair issues.

Deletion Warranty

If an item reappears on your credit report, the company will work to resolve it for free.

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The Bad

High Initial Fee
Poor Online Transparency

And while Improve My Credit USA charges a competitive monthly rate, its $199 initial setup fee is considerably higher than most companies; top companies charge only a fraction of that price. Furthermore, this information is not directly available on the Improve My Credit website, but had to be obtained through a customer service representative.

High Initial Fee

Improve My Credit USA charges $199 for its initial setup fee.

Poor Online Transparency

Important information (such as pricing, policies) not found on site.

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The Bottom Line

Although customers will pay a similar monthly fee with Improve My Credit USA as they would with other credit repair companies, it's possible they could be paying more money overall for the same services rendered (e.g., legal services, access to credit report updates, etc.). Customers are encouraged to investigate top credit repair companies before making a final decision.

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User Reviews

Star Rating

4.7

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48 Reviews

Review Breakdown

5 grade

92%

4 grade

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1 grade

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Sarah Heller New York, NY

Well I must brag about the company as well as bragging about the owner! To have someone show so much dedication as he has shown means the company must be dedicated as well. He takes the time to explain everything he does and what they have to offer in easy to understand terms where people like myself can and do understand fully. They honestly explain the process and are very up front about realistic expectations. They never pressure you ever to get in with them and do what they want. I have been a fan of the company for a long time now and not once has it ever been uncomfortable or have I ever felt pressured to do anything I did not wanna do.

10 years ago

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Missy Park New York, NY

I am a Home Mortgage Consultant and I met a customer who was looking to get prequalified to purchase his first home, his credit was such that it wasn't possible at that time. I gave my customer Improve My Credit USA'S phone number, he called them and was helped immediately! He was placed in the right hands to clear up the issues on his credit that were hindering him from purchasing. Many of the items that were negatively reflecting on his report have actually been removed from his report and his scores jumped substantially!! Needless to say this customer came back to me and is now just a few weeks away from closing on his first home! Happy Customer = Happy Home Mortgage Consultant!!!

10 years ago

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Giselle Guerra Houston, TX

I work at Wells Fargo and I always get customers that need help to understand their credit situation. I met Gustavo after having some concerns and questions about my own credit. I was very skeptical of calling credit repair companies because of past experiences with my customers. But I decide to give Gustavo A try. Gustavo really took the time and explained the process. He really help me to understand my reports and what was affecting my scores. Even gave me ways to improve my credit situation. I was very pleased with Gustavo. Now every time I have a customer that needs help I know he will be there to help!

10 years ago

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Alicia M. Humble, TX

I have seen dramatic improvements in my credit rating, now Im able to benefit from these changes by financing $200,000+ NEW home with an excellent interest rate! Please make note even thou I have a 4/2/2, I'm truly grateful to have this home...as an single mom! About 20 years ago, I prayed for my DREAM home, and guess what? My PRAYER is being answered; they will start Construction very soon!!! I truly believe that GOD place Improve My Credit USA in my life to assist me with making my dream come true. I could not have done this without the services of your Improve My Credit USA..That being said, Im NOT finish yet, I will continue utilizing IMC until I get my credit score over 750+ goal!! DON'T GIVE UP 5 MINUTES BEFOE YOUR MIRACLE!

11 years ago

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Andrey Zdvizhkov Katy, TX

I'm working with my BP Federal Credit Union Mortgage Officer and he was extremely Impressed with my Progress!! My progress has been amazing considering short amount of time I was with Improve My Credit USA. I am now in the 700's and I qualified for my loan! I have and will continue to referred IMC USA out to plenty of people. I'm truly impressed and thankful!

10 years ago

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Cristina Rodriguez New York, NY

My husband and I signed up with this company and in just three short months of beginning our service we were able to get approved for our new home. It's a fantastic feeling knowing that our credit is where it needs to be and if we ever wanted a loan, or just want to apply for a credit card, we would likely be approved. Just knowing that if we wanted it, we can get it, its really an awesome feeling.

10 years ago

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Bob Ware Chantilly, VA

As a mortgage professional, having the best companies to refer my clients to is very important. I have been recommending Improve My Credit USA to all of my clients and friends for the past several years, and I will continue to recommend them to anyone needing their help. There's no one else that I trust as much to take excellent care of my valued customer.

10 years ago

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Rich Bonn Dallas, TX

The staff at Improve My Credit USA are extremely helpful and courteous. They are great at followup and communication and their services and website are easy to work with. Unlike many credit companies I've experienced, they really provide excellent results. All of my clients who use their services see a significant improvement in their credit score. I send quite a few people to them and would recommend them to any client or someone considering referring their clients.

10 years ago

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David Powers San Diego, CA

I met Joe Orsak on a radio show which we were both being interviewed on and he told me about the service he provided at Improve My Credit USA. I had a couple issues that were connected to my business that were erroneously applied to my personal credit so I contracted their services, In a very short period of time his team was able to respond to my request with what they would do and what the estimated charges to get signed up to do that would be. He stuck within the quoted price and time frame, and I am very happy with the results of Joe's team.

10 years ago

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Johnny "Wes" Smith Houston, TX

Very Satisfied with my Results! Thank you IMC USA Team! I came to their services with a plan to purchase a home. Before I came to IMC USA, I was getting ridiculously high interest rates and now, I was able to close on my home at 3% interest versus the 7.5% I was being offered before they helped me. This is great because I have been able to save so much money overall! I will highly recommend their services to all my loved ones.

10 years ago

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Ron P Humble, TX

I was extremely skeptical. I just assumed they were just like every other outfit that promise the moon, but deliver dirt. Within 3 months of joining, my credit score had jumped an average of 60 points!! I was astonished. And 2 months later, I'm still I awe. In fact, I was just pre-approved for my first investment property! Something I thought was far beyond my reach anymore. I cant recommend them enough. I wish to give my heartfelt thanks to the entire staff at Improve My Credit USA for a much needed professional hand up.

10 years ago

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Gilberto Aquino Houston, TX

I wanted to say thanks to Gustavo for helping me understand my credit reports. I was skeptical at first to reach out to them because of my bad experience with another company. He really made me feel comfortable and I felt he really cared about my credit situation. He was very professional and polite and I would definitely recommend him to anyone that needs credit repair.

10 years ago

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Barbara Hulick Houston, TX

After attempting to improve my credit on my own and then with a no name kind of company... I was referred to Improve my Credit USA... all I can say is WOW, and credit experiences are never that way... I was treated with respect and dignity. The service was incredibly fast and efficient. Gerson, my credit advisor was professional, he listened, and he got the job done... cannot ask for more. Great Company- glad I called.

10 years ago

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Famen Wolf Humble, TX

I've been in the real estate business as a Realtor and Loan Officer for 9 years. I've never seen a credit repair company work this well. Improve My Credit USA continuously keeps my clients and I informed on where their scores are. ALL of the people I have referred to IMC USA have increased their credit scores. Several of them have called me and thanked me for referring them to IMC USA. IMC USA is a win win for everyone.

11 years ago

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Chris Parrish Chantilly, VA

I have sent my clients to Improve My Credit USA for a long time now and I regularly get them back ready to purchase. IMCUSA got my last clients turned around in 5 months. Thanks Joe! The customers I send your way love Improve my credit USA.

10 years ago

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Vanessa Martinez Houston, TX

I was seeking credit restoration to improve my credit scores to get a house, I was able to get my house, and am very satisfied. I would recommend this company to friends and family. My aunt actually used this company first and then referred me over to them. I'm VERY Satisfied.

10 years ago

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Michael Young Houston, TX

Great job, Support Team is always very helpful! I'm very satisfied with the company. Every time I call the support team always has very good responses to my questions. I would recommend anyone to your company. Thank you for all the work you have done.

10 years ago

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Miguel Guerrero Humble, TX

They helped me with my credit situation, by honestly telling me that they couldn't help me at the time. They pointed me in the right direction, and told me to call them back when I was ready. I've been using them for a few months now. Give them a call, they are really honest, and that is what any customer is looking for.

11 years ago

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Anette Rodriguez Houston, TX

I am amazed that IMC USA was able to help me improve my credit. I was very skeptical at first because I didn't think it was possible. Their staff work very hard to achieve high standards and am extremely satisfied with their work. Thank you so much IMC USA!

11 years ago

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Thai Klam Humble, TX

Improve my credit and Joe have been incredibly great to work with. His staff is incredibly diligent and quickly responsive. They helped me boost my credit score by 50 points within 3 months! Their online dashboard is very user friendly and great for updates. I highly recommend his company and his services!

11 years ago

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Adan Martinez San Diego, CA

Improve My Credit USA has a great service! I only had one negative account and they helped me because I didn't know anything about credit and they helped me go down the right path and get the credit knowledge I needed

10 years ago

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Nicholas Arriaga

I started working with Improve My Credit USA because I needed to get a new car. They were always very encouraging, and helpful,and they lead me in the right path to continue having good credit. I got my car!

10 years ago

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Cassie Fryfogle Tempe, AZ

If you are looking to improve or repair your credit,look no further than Improve My Credit USA! Their team is very professional, very detailed, and their customer service is top notch! I highly recommend them.

10 years ago

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Kimberly Kubelka Houston, TX

IMC really helped my credit situation. I saw results within the first round of dispute letters being sent out. I got a big chunk of negative accounts removed. It helped me so much.

10 years ago

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Jose Trevino Humble, TX

OUTSTANDING! I needed to repair my credit after a divorce, and Improve My Credit USA took my credit score from a 545 to 700 within a month and a half time frame, which helped tremendously.

10 years ago

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Angela Wells Humble, TX

They constantly let me know what was happening. I was well informed every month of what was going on and when the letters were being sent. I liked the communication and that it was fast.

10 years ago

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Ophelia Morales Houston, TX

I was always notified about anything I needed to do or anything that had been done. Overall great experience in a short time. I had items that were deleted from my report! I was able to purchase my home!

10 years ago

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Aurora Cardona Humble, TX

I'm extremely pleased with the attention and services provided by the team. Very helpful and polite. My credit has improved significantly. I would secondly recommend their services!

11 years ago

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Norris Aikens Humble, TX

The services are very efficient and everyone is very professional. I am extremely pleased with my results! I would definitely recommend them and if any issues come up again I will be using their services again.

11 years ago

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Charles H. Houston, TX

I have been with this company for 3 months and have nothing good to say about their service. Of the 11 accounts and 19 inquiries listed as the benchmark, 10 accounts and all the inquiries remain. Actually, there are 9 remaining, but I don't count that because while it fell off the TU and Exp reports, this account which closed in 2012 is reporting on Equ as of last month. If dispute letters were actually sent, I should have received a follow-up letter from each of the bureaus for the last 3 months - I have only received 3 in total (and one was received 2 weeks after signing with them - I have to attribute that to my own dispute efforts). I have asked to see copies of the letters sent, but have been met with excuses (if they respond at all) at every request. They have a nice process and a good "dispute dashboard", but they are not the only company with this software, and what good is a format for tracking results when there are none? If you're the type to just send money and not ask questions or demand results and accountability, this is the firm for you.

9 years ago

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David Woods Houston, TX

Improve My Credit USA made the process so much easier for me! I am currently closing on my home loan and I am very satisfied with my results! Thanks again guys!

10 years ago

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Shari Piggott Houston, TX

They definitely did a great job. They worked on getting old stuff removed. Very Efficient. Increased my scores over 100 points. I was Very Satisfied!

10 years ago

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Llewellyn Cox Houston, TX

Improve My Credit USA helped me and my wife's credit scores greatly. From where we started in our scores, ya'll were a major help. You guys are great!

10 years ago

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BRYANT RUSHING Houston, TX

GREAT JOB!!! I definitely improved my credit. I would recommend them to anyone looking for a professional and experienced credit restoration company!!!

10 years ago

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Sergio Reyes Houston, TX

Great results in just 1 month! Very happy with services! I'm very satisfied and it was very quick! Couldn't have asked for a better job!

10 years ago

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Juan Arguello Houston, TX

I love the customer service I received. I also liked the availability to speak to someone whenever I called. Great customer service!

10 years ago

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Johnny B. Walker Humble, TX

They were very helpful. The support department always helped me out when I had questions. I will definitely use them if I need them again.

10 years ago

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Terrance Leavy Humble, TX

I had a great experience and I'm extremely satisfied. Quick results. Job was done and what we asked for was taken care of. Extremely satisfied.

10 years ago

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Fanny Jimenez Humble, TX

Due to my divorce, my credit was bad for many years. Thank you very much for helping me get my credit score back on track.

10 years ago

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Maria Martinez Houston, TX

Im am very happy with the service.Everyone is very nice and helpful. I will be referring more people to Improve My Credit USA.

11 years ago

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Victor Nelson Houston, TX

The process is very simple. Everything is well documented and has great feedback for a reasonable price. Overall very satisfied.

11 years ago

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Shahanna Pascal Humble, TX

My credit is back on track and steady improving. My results have between great and still getting better thanks to the staff at improve my credit usa.

11 years ago

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Jason Sullivan San Diego, CA

Man I appreciate the work they did for me. It only took 4 months for them to get everything all cleared up.

10 years ago

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Kristina Spring, TX

DO NOT USE THEM!! They are a joke. I have to harass them to get them to respond to my messages. They send out 3 letters a month for $99.00 and get no results. I have been with them almost 4 months and they have caused my scores to drop bc they had good, older accounts deleted. If you are considering them I STRONGY suggest you go elsewhere!!

11 years ago

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Juan Garcia Houston, TX

The communication is great! The work they provide is excellent! Definitely recommend them.

11 years ago

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M. Nielsen South Bend, IN

I would not recommend this company at all for any help in improving your credit, they never return your calls, and no one could give me the same answer twice. I did not use them due to these facts and would not send anyone to them for help.

2 years ago

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John Mark Williams Houston, TX

I'm happy that my credit scores improved with this service. Did a great job!

10 years ago

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Humberto Morillon Humble, TX

They're amazing! My credit was 100% of my collections were clean after only three rounds of disputes with this company. Highly recommend.

10 years ago