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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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Liz Denison, TX

This company does what it says they'll do as long as you do your part. I've sent my credit reports in & they've disputed my info to get items removed. They even educated me on how to help build my score up since deletions aren't the only thing that can bring my score up. The staff was also friendly to me each and every time I called in the office.

3 years ago

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reema khan Houston, TX

Sterling Credit price is actually cheap compared to other companies in long run. Basically, you pay 120 for the first six months, and you get six months more for free. so service is good for a year in case you have any issues within the year it will get fixed with no extra cost. so if divide the service by tweleve months is much cheaper compare to competion.

4 years ago


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Abi G Dallas, TX

I have used Sterling Credit twice in the past, to repair my credit and get me back on track. They were able to remove several negative items from credit which increased my score. The monthly payments are affordable and no contract, which is so convenient. They have a referral program that gives you a discount on your account payments.. Great results from a Great Company!

11 months ago

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Briana Gentry Sherman, TX

Sterling Credit Group has helped me so much! I'm still not done with my year of service and my score has increased 82 points! Their customer service girls are so sweet and give great advice and help on how I needed to build my credit! They've taken a lot of stress off this momma heart!! Thank you Sterling!!

2 years ago

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Denise Palmdale, CA

I have had my credit repaired 2x by this company and they are excellent. I have referred family and friends. My mother and sister in law have both purchased homes since there credit was repaired. I truly recommend this company

4 years ago


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Abi Frisco, TX

I’m a former customer of Sterling Credit, they’re a great company to get your credit repaired! Although they’re not a month to month company, the payment plan is convenient and affordable. I used Sterling Credit twice in the past and if I need my credit repaired again, I will definitely use them again!

1 year ago

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Nev San Bruno, CA

Great customer service great company.. They do what they say their gonna do and that means alot. Highly recommend.

4 years ago