Point Boosters is a veteran owned credit repair company. Point Booster was founded in 2007 by Senior Credit Expert Derrick Harper and is based out of Georgia. Point Booster has a high success rate for helping customers improve their credit scores. The company has specialities in consumer, business and mortgage credit and can help a customer with goals in these avenues. Point Booster also offers unique discounts for a couples package, which can be used with family members or friends, as well as a discounted veterans package.

The Good

  • Package options
  • Educational resources
  • Three-month guarantee

Tiered Packages

Point Boosters offers several package deals that lets the customer choose which package tailors their needs. Each package gives a detailed description of their services as well as who would benefit most from each package. One package offers a small discount to couples who enroll together. The couple can be couples, family members or friends. Point Boosters also offers a discounted package deal for veterans for a limited time.

Education

Point Boosters has tips throughout its website on how customers can help boost their credit on their own. The website also has a page detailing what credit score is and the percentage of items that affect credit score. There is also a section that gives a list of negative items that can remain on a credit file for an extended period of time. The company also offers a consultation, classes and answers to questions to all of their clients.

Guarantee

Point Boosters offer clients a free three months if they are unable to remove 25 percent of the negative credit items from all three credit reports. Point Boosters has a 100 percent money back guarantee on monthly payments if 25 percent of all negatives worked on are not removed, you have been with their company for six months, you had at least five negatives on your credit report at the time of signup. You also must not have used another credit-consulting agency two years previous to signup and must agree to send updated reports from all three credit bureaus within five days of receipt.

The Bad

  • Limited phone consultations
  • Expensive packages

Limited Phone Consultation

Most plans do not or have limited phone consultation. These plans offer emailing credit specialists with your credit questions. Point Boosters guarantees an answer to your questions within 24-48 hours, but for the price of the services the customer should receive more feedback.

Expensive

While we appreciate the tiered package options, the prices are quite steep. The bottom tiers are average for the industry, however the top tiers are quite expensive. The most expensive package is $199.99 monthly and also requires a $199.99 fee to start. This can be a huge investment for potential customers, especially with the initial costs.

The Bottom Line

Point Boosters has some impressive statistics that show that they work for their clients. The varying levels of packages make it ideal for people to choose a tailored fit for their particular circumstances. Point Boosters speciality in mortgage and business credit can also be beneficial to certain clientele. It is recommended to research and find the credit repair company that best suits your personal credit repair needs before making a final decision with Point Boosters.

Frequently Asked Questions

How much does Point Boosters services cost?

  • The Gold Boost: Signup/Audit $99.99, $74.99 monthly—Most basic package, is targeted for customers who have less than 10 total derogatory accounts.
  • The Platinum Boost: Signup/Audit $99.99, $89.99 monthly—Most popular package, is targeted for customers who have more than 10 derogatory accounts.
  • The Diamond Boost: Signup/Audit $199.99, $199.99 monthly—Presidential package, is targeted for customers who have public records, tax liens, and/or bankruptcies.
  • The Couples Boost: Signup/Audit $189, $174.99 monthly—The platinum plan available for two people signing up together.
  • The Heroes Boost: Signup/Audit $11.11, $79.99 monthly—A plan specifically for veterans- is targeted for veterans who have more than 10 derogatory accounts and also handles public records, tax liens and/or bankruptcies.

Does Point Boosters allow me to enroll more than one person or my whole family?

Yes, with the couples boost you can enroll a family member or friend.

How does Point Boosters repair my credit?

Point Boosters will retrieve your credit report from all three credit bureaus. A credit specialist will analyze and find the negative and incorrect items that should be disputed. The specialist will then fill the necessary documentation to start removing these negative and incorrect items. The specialist will stay in contact with the credit bureau until these items are corrected.

How long will it take before I start to see results with Point Boosters?

Some results should be seen in the first 30 days. Average Score Increase in 30–45 days:

  • 10 points or more 93%
  • 20 points or more 71%
  • 50 points or more 35%
  • 100 points or more 25%

What results can I expect from Point Boosters?*

Point Boosters claims the average client’s credit score increase in six months is 96.4.
*Please note that individual results will vary. No company can legally guarantee any result to a client’s credit score. Customers should understand that they may not receive the same results

Average Score Increase in 90 days:

  • 10 points or more 97%
  • 20 points or more 82%
  • 50 points or more 40%
  • 100 points or more 25%

More Information

How can I contact Point Boosters?

Phone: (888)407-1207
Text: (404)532-9175
Email: [email protected]
Office Hours: Monday-Friday 9:00 am – 7:00 pm EST

Price Breakdown

The Gold Boost- Signup/Audit $99.99, $74.99 monthly

  • Account Analysis- analyze the customer’s account to find what is the source of poor credit.
  • Preparation- Prepare and send all necessary dispute letters, validation request letters and other forms to creditors.
  • Credit Specialists- Access to email credit specialists 24/7.

The Platinum Boost- Signup/Audit $99.99, $89.99 monthly

  • Power of Attorney- Act as the power of attorney with creditors and handle all calls in regards to the customer’s credit.
  • Settlements- Secure an agreement of settlements at the lowest possible cost.
  • Credit Coaching- Daily credit coaching to help educate the customer and answer any questions.

The Diamond Boost- Signup/Audit $199.99, $199.99 monthly

  • President Coaching- The president of Point Boosters works directly on the customer’s account and gives live phone coaching on demand.
  • Phone Consultations- The customer receives monthly phone consultations to further coach and answer any questions the customer may have.
  • Custom Plan- After an analysis the customer is given a custom plan to fit their needs and goals for home affordability, business financing, and financial classes are free to attend.

The Couples Boost- Signup/Audit $189, $174.99 monthly

  • Home Buying- Customers will be matched with lenders for pre-qualification home buying once the customers reach the minimum score.
  • Platinum Boost Plus- This plan includes everything from the platinum boost, but also prepares the client for home buying.

The Heroes Boost- Signup/Audit $11.11, $79.99 monthly

  • Power of Attorney- Act as the power of attorney with creditors and handle all calls in regards to the customer’s credit.
  • Settlements- Secure an agreement of settlements at the lowest possible cost.
  • Credit Coaching- Daily credit coaching to help educate the customer and answer any questions.

How It Works

Step #1: Signup

When you sign up with Point Boosters, your credit reports will be analyzed. After the initial analysis, the experts will identify the items that need to be disputed. The experts will then prepare a plan to help you receive your optimal credit score.

Step #2: Dispute

After identifying the items and preparing a plan, the experts begin drawing up the needed documents and work directly with the credit bureaus on your behalf. The experts focus on removing the items that are inaccurate and negatively impacting your credit. The experts will stay in contact with the credit bureaus throughout the process.

Step #3: Results

In as little as 30 days you can expect to see some results. You can ask questions and receive some consulting depending on your subscription plan. The experts will continue to repeat the dispute process until your credit score is optimal or you have cancelled your subscription. The experts will keep you updated with your progress and results.

What to Expect when Signing up

1. You start at the pricing page and review which package best suits your needs. After deciding on a plan, click the green Sign Up Now! Button.
2. A new page loads and gives you some options: Free Credit Consultation, One on One Credit Session, and Summer Business Coaching Program. Note that the Free Credit Consultation can be completed on the phone or in person.
3. Once you have chosen which option you would like, depending on your choice, you must choose a person to speak with and/or a time to setup your meeting.
4. The next step is entering in your personal information.
5. The last step is confirmation of your meeting option and the package you have chosen.

What can be removed?

Point Boosters can only remove information that is inaccurate, unverifiable, misleading, untimely, and unclear. Point Boosters cannot remove negative items that are 100 percent accurate and free from error.

  • Credit Inquiries
  • Late Payments
  • Collection Accounts
  • Liens
  • Repossessions

Published Results*

Average days to see results
93% of customers saw improvement within 30-45 days.
Most common credit score increases
The average client’s credit score increased 96.4 points in 6 months.
Statistical Success Rate
97% of customers saw an increase in 90 days.

*Please note that individual results will vary. No company can legally guarantee any result to a client’s credit score. Customers should understand that they may not receive the same results

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