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Reliant Credit Repair

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LAST UPDATED: April 21st, 2022

Reliant Credit Repair offers a significant amount of transparency as a credit repair service. The New Jersey-based company was founded in 2015 and offers a few different credit repair plan options that clients can choose from.

The credit repair company also offers clients a free credit consultation, a 90-day refund policy, free setup, and free 24/7 client portal access. As part of its credit repair process, clients can receive tax advantages, credit coaching, credit education, and more.

Reliant Credit Repair also gives clients a three-person referral option which can help clients get their monthly fee waived.

Keep reading to learn more about what this company has to offer and to see Reliant Credit Repair reviews from real customers. 

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The Good

  • Credit Repair Plan Options
  • 90-Day Refund Policy
  • Additional Services

Credit Repair Plan Options

As mentioned above, the credit repair company offers the following credit repair plans:

  • Platinum Plus — Includes free setup, free 24/7 online client portal access, unlimited credit bureau and creditor disputes, customer support, and credit coaching.
  • Platinum Plus Affiliate — Includes everything from the Platinum Plus plan along with an online affiliate portal, an affiliate support team, full income opportunity, perks eligibility, and tax advantages.
  • Platinum Plus Dual Enrollment — Includes everything from the Platinum Plus plan along with additional services. Customers must directly contact the company for more information.

The credit repair company firmly states that it will not charge clients for credit repair unless they 100 percent qualify for its services. This can be determined via the company's initial, free credit consultation.

In regards to pricing and services, the Reliant Credit Repair website is fairly transparent. This level of transparency is not common among many other companies in the credit repair industry.

Reliant Credit Repair also offers a fast credit repair option, but potential clients must contact the company directly to receive information regarding the fast track plan. 

90-Day Refund Policy

Unlike many other credit repair companies, Reliant Credit Repair offers a 90-day refund policy.

According to the company's website, those who are not satisfied with their results can request a refund "less $125 (one hundred twenty-five dollars) for processing their account over 90 days and less $25 (twenty-five dollars) for each inaccurate credit item removed or corrected during the time" they were enrolled in the services of Reliant Credit Repair.

Clients are encouraged to contact the company after 90 days if they are not satisfied with their credit repair results and services.

If clients wish to cancel Reliant Credit Repair services, they can do so at any time. The company does note that clients need to call at least 48 hours before their next scheduled monthly payment if they want to cancel their service. This lack of binding contract may prove to be useful to clients who do not see positive results within a certain time span.

Additional Services

In addition to its credit repair services, Reliant Credit Repair offers various financial products, business credit assistance, and credit monitoring services through IdentityIQ, a well-known identity theft service.

The company also has several helpful online financial resources that clients can take advantage of.

These resources include a detailed frequently asked questions page and an active blog that covers topics relating to fixing bad credit, rebuilding credit, debt consolidation, loans, and more.


The Bad

  • Limited Monthly Fee Flexibility
  • Steep Audit Fees

Limited Monthly Fee Flexibility

Reliant Credit Repair does not appear to provide lower monthly fee options as the monthly fee for all three offered credit repair plans is $99.95.

Due to this lack of monthly fee flexibility, some potential clients may not be able to sign up for Reliant Credit Repair services.

Meanwhile, many other credit repair companies offer a variety of monthly pricing options for customers to choose from based on their financial and credit needs.

Steep Audit Fees

Reliant Credit Repair charges fairly steep audit fees for all three of its credit repair plans that range from $199.95 to $299.95.

It's important to note that many companies in the credit repair industry either charge a lower one-time fee or do not charge a one-time fee.   


The Bottom Line

Reliant Credit Repair is a company that works with all three credit reporting bureaus to ethically dispute and remove negative information as well as inaccurate information from clients' credit reports in order to help them achieve a better credit score.

The credit repair service offers a free credit report consultation as well as a few different credit repair plans that include everything from unlimited credit bureau and creditor disputes to 24/7 online client portal access and full customer service and support teams.

Clients are offered a 90-day refund policy and a variety of additional non-credit repair services including financial products and business credit assistance.

Additionally, the company provides credit education and financial resources online that cover topics relating to how to fix bad credit, how to rebuild credit, debt consolidation, loans, etc. Reliant Credit Repair also has additional services like credit monitoring that clients can sign up for. 

Unfortunately, the company does not seem to have much flexibility with its monthly fees as they are all $99.95 per month. Reliant Credit Repair also charges fairly high audit fees ranging from $199.95 to $299.95.

Those who could use help to improve their poor credit and who are interested in Reliant Credit Repair's services are encouraged to conduct their own research and read Reliant Credit Repair reviews before making a final credit repair-purchasing decision.

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Jenny West New York, NJ

Very impressed with the level of service I received, very knowledgeable and honest staff. Finally signed up today without any pressure and they already got me into a program saving me $300 on my student loan debt. Already like where this is going!

4 years ago

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Michael West New York, NJ

Found them on, they are professional, thorough, got the job done, got my moneys worth and I'm happy. Highly recommend Reliant.

4 years ago


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Rosie Ewing Houston, TX

The associates were very helpful and knowledgeable. The only issue I have is when they did all they could do to improve my credit, they did not stop billing me.

2 years ago