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My Credit Training Services

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LAST UPDATED: June 28th, 2019

My Credit Training Services is a fairly new company that strives to stand out in the credit repair industry with dedication to customers’ long-term financial success. The company works with the three major credit bureaus, provides a free in-depth credit analysis and credit consultation, and offers a 100 percent money-back guarantee.

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The Good

  • Money-Back Guarantee
  • Website Information Disclosure
  • Comprehensive Services

Money-Back Guarantee

My Credit Training Services offers a 100 percent money-back guarantee to all customers. According to the company's website, clients are able to obtain the complete money-back guarantee under the following conditions: 

  • Clients “do not remove more than 25 percent of all of the negatives worked on”
  • Clients “have had six months from the time” they have used the company’s credit repair services.
  • Clients “have at least four negatives on the credit report at the time of sign-up”
  • Clients “have not used a credit-consulting agency nor attempted to repair” their credit within two years before signing up for the company’s credit repair services
  • Clients “agree to send updated credit reports from the three credit bureaus” to the company “within five days of receipt” 

Website Information Disclosure

My Credit Training Services offers a good amount of information on its website. The information that can be easily found on the company’s website, unlike several other credit repair companies, includes pricing, services, refund policy, educational credit resources, company contact information, frequently asked questions, and customer reviews. Generally, those looking into credit repair services will find that most companies that disclose a good amount of information upfront on their websites are more trustworthy than those that provide limited information.    

Comprehensive Services

The credit repair company does appear to offer comprehensive services including credit repair and credit monitoring services. Clients have the freedom to cancel their contracts with the company anytime after their initial payment is processed and once they provide a seven-day notice.

Its credit repair services, as stated on its website, include “personalized dispute options,” “an experienced case analyst and case advisor,” “custom dispute letters,” and online, 24-hour “access to your case status and updated information.” My Credit Training Services charges $99 per month for its credit repair services.

According to the My Credit Training Services website, the company’s offered credit monitoring services from IdentityIQ include tri-bureau credit reports and scores, daily credit monitoring, fraud alert assistance, identity theft coverage, identity theft restoration, lost wallet form, Opt-out IQ, a credit score simulator, credit score tracking, and a checking account report.

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The Bad

  • Time in Business
  • High Setup Fees

Time in Business

My Credit Training Services was founded in 2019 which means that it is a very young company compared to other companies in the credit repair industry. Since the company is newer than most, it may not have the level of experience and reputation that other credit repair companies have at this time.

High Setup Fees

Compared to some other credit repair companies, My Credit Training Services charges a fairly steep setup fee. Clients will be charged a one-time audit fee of $199 on the fifth day after they sign up for the company’s credit repair services. According to the company’s website, the audit fee “includes document processing, client portal creation, (and) credit audit.”

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The Bottom Line

My Credit Training Services strives to provide clients with a strong start to their financial journeys. The company offers a 100 percent money-back guarantee, comprehensive services, and plenty of upfront information on its website. Its credit repair services match the industry average monthly price of $99.

Unfortunately, the company was founded in 2019 and may not have the same level of experience as some other companies in the industry. Additionally, the company also charges a high one-time fee of $199. Those interested in credit repair services are encouraged to read My Credit Training Services customer reviews when deciding which services they want to use.

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