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 top companies.
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 $299 initial fee).
Access to Legal Services
The company works closely with a law firm to address complicated credit repair issues.
If an item reappears on your credit report, the company will work to resolve it for free.
And while Improve My Credit USA charges a competitive monthly rate, its $299 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 $299 for its initial setup fee.
Poor Online Transparency
Important information (such as pricing, policies) not found on site.