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Inworks Credit Solutions

Is This Your Business?
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LAST UPDATED: October 10th, 2019

Inworks Credit Solutions has been providing standard credit repair services since 2013. The company specializes in not just restoring good credit status, but also helping customers find and secure the home loan that's right for them. It offers one of the longest money-back guarantees in the business, though, conditions as to when this guarantee can be enforced do apply. Inworks Credit Solutions' programs are designed to assist every customer's unique credit situation.

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The Good

  • No Long-Term Contracts 
  • 180-Day Money-Back Guarantee 
  • Home Loan Assistance Program 

Inworks Credit Solutions provides standard credit repair services offered by most credit repair companies. The company can resolve a number of credit inaccuracies including bankruptcies, foreclosures, short sales, and more. Customers can also apply for Inworks's home loan assistance program to help them qualify and secure a better home loan rate. Inworks Credit Solutions also provides a 180-day money-back guarantee, twice the length of guarantees offered by other companies in the credit repair industry. 

No Long-Term Contracts

Inworks Credit Solutions understands that each credit situation is different and that there are people out there who are not interested in signing a long-term contract in order to obtain good credit. Due to this, the company does not require customers to sign a contract for its services. 

180-Day Money-Back Guarantee*

If Inworks Credit Solutions does not provide the services promised, customers receive a refund for what they have paid. The company does offer a free credit report consultation that allows the company to look at credit reports from all three major credit bureaus to determine if its credit repair services are a right fit for customers. According to the Inworks Credit Solutions website, the company realizes that there are many people who have faced marks put on their credit history and they offer services to just about anyone because of this. 

Home Loan Assistance Program

The company provides a specific program that is designed to help customers secure home loans. 


The Bad

  • Guarantee Only Applies After Completion of Program 
  • Does Not Pull Credit Reports for Clients 
  • Poor Online Transparency 
  • No On-Staff Attorneys 

While Inworks Credit Solutions' 180-day money back guarantee is twice as long as the standard 90-day guarantee offered by some other credit repair companies, customers can only seek a refund upon completion of the 180-day program; meanwhile, companies with the 90-day guarantee allow customers to seek a refund at any point within those 90 days.

The company does not provide or pay for a customer's credit reports but rather places that responsibility on the customer, and because the company website lacks important information regarding staff and company policies, it is likely that Inworks Credit Services does not provide legal assistance to customers needing representation to creditors in court. 

*Guarantee Only Applies After Completion of Program

Customers will not receive a refund until after the 180-program is completed. 

Does Not Pull Credit Reports for Clients

Customers are required to provide their own credit reports from all three major credit bureaus.

Poor Online Transparency

Information regarding policies, programs, staff, and more could not be found on the company's website. 

No On-Staff Attorneys

Inworks Credit Solutions cannot represent clients in court. 


The Bottom Line

Inworks Credit Solutions provides baseline credit score improvement solutions without forcing customers to sign long-term contracts. The 180-day money-back guarantee is longer than similar guarantees from other companies in the credit repair industry, however, customers can't use it until the 180 days have passed.

Unfortunately, Inworks lacks information regarding its home loan assistance program, customer service availability, credit consultants, staff, and company policies. Customers are strongly encouraged to read Inworks Credit Solutions reviews and investigate other companies that are more upfront about these things.

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5 Reviews

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Braeah Venters Hollywood, FL

I have been working with Esteven T since July 2016 and she is amazing, she's always thorough and great with explaining the whole process (no fast talk sales call). She always return my phone calls and answers all my questions, which I personally think is very important. I was contemplating bankruptcy for quit some time before I spoke with Steven. I was In debt around $20-30,000 and felt like there was no way out. Now I'm excited to be on road to recovery and one day purchasing my own home. Its been about just 45 days I have seen a tremendous results. So far $11,000 have been removed from my credit. I'm finally excited to see what's going to happen with my credit. Thank you Esteven T

7 years ago

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Toni King Pittsburg, CA

I was going to file Bankruptcy and Angelica with Inworks kepts calling and telling me that I didn't need to file Bankruptcy...I talked to some family and other business who informed me I also didn't need to file bankruptcy. Thanks to Inworks and specifically Angelica for not giving up on me. Inworks checks on me and keeps me in the loop.

7 years ago

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Mary smith

We used this company for 3-4 months. All they did was take our money. Our score went up 7 points but thet was because we paid down balances and it was nothing they did. They disputed the same 4 bills every 45 days. Nothing was repaired and nothing was removed. Emails were never answered. We called and got nobody to answer questions. The kicker was they disputed the same bills over and over to the point we were required to pay the balance in full on one of them because of the constant disputing. When I emailed to ask a question I never got an answer. I do not think they did anything to warrant the $100 a month. Since leaving them our credit score has gone up 48 points just by disputing things ourself. Just did not get our money worth. There was no way we were going to stay 180 days to get our money back because I have a feeling we would not get it back anyway. But 7 points in 3 months when we were told during our consultation they could get our score up more then 20 points in 45 days. Well that did not happen.

7 years ago

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Fed Up

I can never get hold of anyone there. I have been with them for 2 months now and my score has gone up 7 points because of what I have done by paying off a collection. They have taken $300 and have not helped us st sll. I have been calling and emailing to cancel and nobody ever gets back to me. They never update the website. I read here it takes up to 180 days but I was told we would see a huge difference in 45 days. After 180 days I am going to get s full refund. Zero customer service with this customer. Before we signed up they would call and email up to 6 times a day. Now after we have signed up we have not heard from them once. I would not recommend this company st all.

7 years ago

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R Gainesville, TX

I'm not too impressed whatsoever with this company. Seems that the person helping me, isn't helping me... Nor getting back in time with me, with information I need. Will not use ever again.

8 years ago