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Inworks Credit Solutions

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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. 

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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. 

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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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