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.

Rank Chart
Monthly Price
Company Rating
Review

#1

$99.95
9.4

#2

$99.95
9.0

#3

$59
8.9

#15
improve-my-credit-usa

$99
7.1

The Good

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.

Deletion Warranty

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

The Bad

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.

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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47 Improve My Credit USA Reviews

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  1. User Score

    3

    April 23rd, 2015 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.

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  2. User Score

    10

    July 18th, 2014 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

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    1

  3. User Score

    10

    July 16th, 2014 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!

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    2

  4. User Score

    10

    July 9th, 2014

    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!

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    2

  5. User Score

    June 24th, 2014 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.

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    2

  6. User Score

    10

    June 24th, 2014 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.

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    2

  7. User Score

    10

    June 24th, 2014 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.

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    2

  8. User Score

    10

    May 29th, 2014 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.

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    1

  9. User Score

    10

    May 29th, 2014 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.

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  10. User Score

    10

    May 29th, 2014 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.

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  11. User Score

    10

    May 29th, 2014 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.

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    1

  12. User Score

    10

    May 27th, 2014 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.

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    1

  13. User Score

    10

    May 27th, 2014 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.

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    1

  14. User Score

    10

    May 27th, 2014 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!!!

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    1

  15. User Score

    10

    April 16th, 2014 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!

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  16. User Score

    10

    March 31st, 2014 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!

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  17. User Score

    10

    March 31st, 2014 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!

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  18. User Score

    10

    February 27th, 2014 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.

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  19. User Score

    10

    February 18th, 2014 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.

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  20. User Score

    10

    February 14th, 2014 Houston, TX

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

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