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Zinu Credit Repair

Is This Your Business?
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LAST UPDATED: October 10th, 2019

Zinu Credit Repair is a fairly young company with only a few years of experience. While reading their website, we found several grammatical errors and no information in regards to pricing for their services. They state that they "specialize in removing late payments, charge offs, foreclosures, judgments, repossessions, closed accounts, bankruptcies, negative settlements, liens, and collection".

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The Good

  • Money-Back Guarantee 
  • Free Consultation 

Zinu Credit Repair follows the Fair Credit Reporting Act, which is very important. In addition, they have live chat on their site, providing a great channel of communication for potential clients. Also, the two points below outline a few great benefits to their services. Benefits include:

Money-Back Guarantee

Zinu Credit Repair offers a money-back guarantee to its clients. Zinu Credit Repair offers a money-back guarantee to its clients.

Free Consultation

The firm provides potential clients with a free consultation and credit verification. This allows clients to learn more about Zinu Credit and their processes before making a decision.


The Bad

  • Unknown Pricing 
  • No Licensed Attorneys 
  • You Send Credit Reports 

Although Zinu Credit has a few good points to their services, they also have some drawbacks. Below outlines the main drawbacks to using Zinu Credit for your credit repair needs. Prospective clients should be aware of the following limitations prior to enrollment:

Unknown Pricing

Pricing is not available on Zinu Credit's website. We were unable to find any information, in regards to pricing, for their services.

No Licensed Attorneys

The Zinu Credit Repair team does not include licensed attorneys. This can be an issue if legal advice and actions are needed during the credit repair process.

You Send Credit Reports

Zinu Credit Repair requires the client to provide their credit reports. If you don't have your credit reports Zinu Credit will help you obtain them, but Zinu Credit doesn't work directly with the credit bureaus or have direct access to your reports. 


The Bottom Line

With only a few years of experience and lack of pricing information, we feel there are better options for your credit repair needs. Even though Zinu Credit Repair offers a free consultation and a money-back guarantee, their cons outweigh their pros. Especially since clients have to bring their own credit reports and there are no licensed attorneys on staff. We recommend researching the top-rated credit repair companies before making a decision. 

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8 Reviews

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Martin Ojeul

I'm really surprised by seeing this kind of review written over there. In my experience i can assure anybody about this company and their service. It might be that they are not BBB registered but they are doing business with all the legal document in tact with them and can serve better than any good good company in USA and Canada as well. I really refer this company to anybody who'll need to improve their bad credit score.

11 years ago

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Naureen Qureshi Cheyenne, WY

Brilliant job. It is truly above and beyond what I imagined. I was not sure I could get rid of my credit card loans but I was able to accomplish this huge task with your help.

5 years ago

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Akash Agarwal New York, NY

Great work. The good thing about Zinu is that they don't charge any money upfront. In other words you pay after you see improvement in your credit report

7 years ago

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Sheetal Cheyenne, WY

cannot really express my gratitude to the entire team for understanding my situation and repairing my credit so fast my husband is also very happy

5 years ago

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Rehana Cheyenne, WY

Signing up with your company was the best decision I ever took in my life. Your accounts manager did a wonderful job

5 years ago

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Vincent Wright Chatsworth, CA

Love the fact that they always do their best to make my credit get better ! I appreciate the dedication!

6 years ago

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Rahul Burman

They repaired my credit report with,in 6 months and my score is 750 above. Thanks Zinu credit repair.

6 years ago

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Great Service! The customer service was very good. Will definitely recommend!

6 years ago