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USA Credit Repair

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5.9

Overall Score

LAST UPDATED: June 30th, 2022

USA Credit Repair was founded in 2004 and is located in New York City, NY. The credit repair company strives to raise its customers' credit scores and teach customers how to properly budget themselves in order to maintain their repaired credit scores.

Unlike many other companies in the credit repair industry, USA Credit Repair does not charge first work fees or any sort of setup fee for its services. Additionally, the repair company does not require clients to sign a long-term contract. 

In fact, all credit repair services provided by USA Credit Repair are paid for on a monthly basis.

USA Credit Repair offers each consumer a free credit consultation and works with all three major credit reporting agencies (TransUnion, Experian, and Equifax) in order to get negative items removed from clients' credit reports. 

The repair business also gives each client access to a dedicated Success Manager/credit expert who can help clients as they go through the credit repair process. 

Read on to learn more about USA Credit Repair and to view verified customer reviews. 

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The Good

  • Multiple Plan Options
  • Flexible Cancellation
  • Money-Back Guarantee

Multiple Plan Options

As mentioned previously, USA Credit Repair works with all three major credit bureaus to help clients clean up their credit reports. According to its website, USA Credit Repair offers three plan options that customers can choose from:

Credit Repair Lite Plan: Costs a monthly payment of $99, includes free credit report, free credit evaluation, up to five error removals, credit coach review, and a three-month credit repair duration.

Credit Repair Deluxe Plan: Costs a monthly payment of $99, includes free credit report, free credit evaluation, seven-point credit review, credit bureau consultation, and a six-month credit repair duration.

Credit Repair Unlimited Plan: Customers need to call for pricing, includes free credit report, free credit evaluation, no limit on the number of disputes, unlimited access to credit coach, and an unlimited credit repair duration.

The repair company's website also states that clients will often see credit score "results within the first 30 days" of the credit repair process. 

Flexible Cancellation

Each plan that USA Credit Repair offers runs on a month-to-month basis. Thus, clients can cancel their credit repair service at any time. This flexibility allows customers to receive credit repair services without being bound to a long-term contract.

Money-Back Guarantee

USA Credit Repair has a 100 percent money-back guarantee policy. If customers are not seeing results within the given time span of their chosen plan, they are able to cancel that plan at any time and receive their money back.

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The Bad

  • No Pricing Disclosure for Unlimited Plan
  • Lack of Company Information

No Pricing Disclosure for Unlimited Plan

Although USA Credit Repair gives pricing for two plans, it fails to provide pricing for its credit repair unlimited plan. 

In order for customers to get this pricing information, they are required to call the credit repair company. Without calling the company, customers are left unaware of the pricing range that accompanies this plan.

Lack of Company Information

USA Credit Repair does not have a Frequently Asked Questions section on its website. The company also does not provide any information regarding its history/background.

Additionally, the company's website does not give customers any information regarding its staff credentials or credit report consultation options. 

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The Bottom Line

USA Credit Repair offers a free credit consultation, multiple plans that customers can pay for on a monthly basis, does not require a binding long-term contract, gives clients access to a dedicated success manager, and offers a 100 percent refund policy for its credit repair service. 

The repair business sends disputes, appeals, validation requests, and goodwill intervention letters to all three major credit reporting agencies on the behalf of each client. 

When it comes to negative credit report items, the company strives to work on getting collections, charge-offs, tax liens, judgments, and late payments removed. 

Unlike many other companies in the credit repair industry, USA Credit Repair does not charge a setup or upfront work fee. 

In terms of repair services, the company states on its website that customers generally see results within the first 30 days. Those who do not see results can either cancel services or switch credit repair plans. 

Unfortunately, the company does not provide its unlimited credit repair plan pricing and fails to provide any company history or background information on its website.

If you are interested in hiring this company to improve your credit situation, we recommend that you read several customer reviews and contact the company directly to obtain more information about its staff, payment options, and more. 

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Bridget Walker Bay Saint Louis, MS

USA Credit Repair can help you fix your credit. They helped my husband and I with our credit so that we could buy a home. They are very affordable and work fast.

3 months ago