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Sterling Credit Group

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LAST UPDATED: April 20th, 2022

Sterling Credit Group is a credit repair company based out of Denison, Texas.

The company has specialized in credit repair services for over 15 years and provides customized credit repair plans that are designed to meet every client's needs.

Sterling Credit Group states on its website that it uses "state-of-the-art computer technology" to keep track of clients' credit repair progress. Sterling Credit Group's website also mentions that, on average, it takes about 90 to 180 days for the company to repair clients' credit.

Keep reading to learn more about Sterling Credit Group's credit repair services. 

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The Good

  • Customized Repair Plans
  • Refund Policy

Customized Repair Plans

Unlike some other credit repair organizations, Sterling Credit Group offers customized credit repair plans to all of its clients.

During a free credit consultation, Sterling Credit Group's credit consultants will analyze a client's credit report in order to determine the best course of action. This allows each customer to have a unique repair plan that is tailored to their circumstances.

As mentioned above, it can take about 90 to 180 days for the company to repair a client's credit score. The company's program time may vary per person due to each client's individual credit situation. 

Refund Policy

Sterling Credit Group offers a full refund to customers who do not receive improved credit profile results. That said, consumers may want to contact a company representative directly to learn about this refund policy since there is a lack of information online about it. 


The Bad

  • No Educational Resources
  • Lack of Published Results
  • Must Send in Files
  • High Fees

No Educational Resources

Sterling Credit Group does not offer consumer-based education materials to help clients maintain good credit or become more financially educated.

Other credit repair companies usually offer tools, courses, content, videos, and more to help their clients become more well informed in financial matters.

Additionally, Sterling Credit Group does not seem to offer coaching sessions. Coaching sessions can be very beneficial for a client to learn and improve; they're also an opportunity for a client to ask questions and become clearer on specific topics.

Lack of Published Results

Sterling Credit Group does not offer any published results on its website. Published results aid customers in their decision-making process.

Published results can show what an average customer's experience with the company is and that the program is worth the investment and time.

Additionally, published results can give potential customers much-needed information like how long it will take to see results, and what kind of results are possible.

Must Send in Files 

A major drawback to Sterling Credit Group is the process of having to receive credit reports and send them to Sterling. This can take a great deal of time and effort to send and receive files versus having the information online.

Most competitors have the information online or have the information available over the phone. Other credit repair companies also have online tools to enable clients to see the progress of disputes.

High Fees 

Sterling Credit Group charges customers a high monthly fee of $120 for six months for its credit repair service along with a $79 one-time fee.

In total, consumers will have to pay $799 for the company's credit repair program. This pricing is fairly steep in comparison to many other companies in the credit repair industry who are known to charge lower monthly/initial fees. 


The Bottom Line

Sterling Credit Group offers custom plans for each client. This can be very beneficial to potential customers with complex situations. The company also offers clients a refund if it cannot improve clients' credit after the allotted time period.  

With the lack of published results and high monthly and initial costs, it is difficult to determine if the services are worth the investment.

It is recommended that any potential customers research their options thoroughly and read several customer reviews before choosing to work with Sterling Credit Group.

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13 Reviews

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Busayo Michael Round Rock, TX

DO NOT WASTE YOUR MONEY. I hardly write reviews but when I do, it’s full of FACTS. Most of the review on their website is from family and friends. Worst credit repair company ever, try now and regret later. After 5 months of continuous payments, no item was removed from my credit report. It’s all excuses, excuses and excuses, they are always waiting for a document. I Referred 2 other people exactly one month after I started with sterling credit, they also had extremely terrible experiences. I’m not too worried about the payment that had nothing to show for it but the intentions behind all of these. The fact that most of these individuals want to get their life, their credit back on track due to previous life circumstances, I will not mention names but Sterling credit is still out their trying to exploit all these people? WHERE IS YOUR CONSCIENCE.

1 year ago

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bruce mcclendon Taylorsville, GA

Like many others my account from a car lot was sold to Sterling without my consent so it's not like I went to them to ask for a loan or anything. I think this is a back alley loan operation and when I paid my loan off I was told it would be 2-4 weeks before I got my title. They said this was "their policy" but since I DID NOT sign ANYTHING asking for a loan in the first place I don't see why I have to bend to their policies. I still haven't received my title yet and I am pissed because at other places when you pay a loan out you are handed the title right then on the spot or at least get it within a week. Extremely high interest rates and bad service. Be warned!

3 years ago

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Ari Ortiz Phoenix, AZ

I’m on month 10. A few accounts removed but no change in credit score as promised. They boasted jumping scores by 60-120 points. No increase for me and a bunch of added work by having to send them everything the credit bureaus send me. They said the BK is the easiest thing to remove and it’s still there. If they begin to proactively communicate with me and prove they are improving my situation then they can save face and I’m willing to change my review.

3 years ago

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Antonio Thompson Tyler, TX

Started this company at the beginning of 2018 and no one ever called me I had no clue what they were doing, they disputed a account on my file and reactivated it and drop my score 48points I paid for 6 months and got 6 months free and still seen only two accounts removed

3 years ago

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Matthew Friendswood, TX

No communication form this company. They failed to order my report on more then 3 months. I paid in advance and my score went down not up. I would not recommend using this company.

4 years ago

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XM Fort Worth, TX

Horrible customer service.

5 years ago