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UrChoice & Associates

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6.5

Overall Score

LAST UPDATED: April 6th, 2021

Founded in 2016, UrChoice & Associates is a credit repair and financial service firm located in New Jersey. The company's goal is to utilize consumer rights to investigate and remove inaccurate and unverifiable accounts from customers' credit reports. UrChoice & Associates strives to achieve high FICO credit ratings in order to successfully hit members' financial goals.

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The Good

  • Free Consultation
  • Money-Back Guarantee
  • Unlimited Disputes 

Free Consultation

The company offers a free consultation either at its office location or over the phone. During this free consultation, UrChoice & Associates will obtain a customer's credit report, analyze the accounts, and create a credit repair action plan.
 

Money-Back Guarantee

UrChoice & Associates offers a 100 percent money-back guarantee to its customers. If customers do not see items deleted from their credit reports after 90 days, the company will provide a full refund. The terms and conditions listed on the company's website will determine if a customer is eligible for a complete refund.
 

Unlimited Disputes

According to the UrChoice & Associates website, the company provides customers with an unlimited amount of disputes which are tailored to each customer's specific credit situation. 

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The Bad

  • Shorter Warranty Time Frame

Shorter Warranty Time Frame

Although the company provides a complete money-back guarantee, the amount of time (90 days) for customers to get their money back is shorter than the warranty time frame offered by other credit repair companies.

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The Bottom Line

UrChoice & Associates does provide a free consultation, including a credit repair action plan as well as a 100 percent money-back guarantee. The company also provides customers with an unlimited amount of situation-specific disputes. Unfortunately, the company does have a shorter warranty time frame and has only been in business since 2016.

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5.0

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15 Reviews

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