Zinu Credit Repair is a fairly young company with only 5 years of experience. While reading their website, we found a lot of 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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Monthly Price
Company Rating


$79.95 -119.95







The Good

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

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.

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The Bottom Line

With only 5 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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Frequently Asked Questions

How much does Zinu Credit cost?

Zinu Credit has a free consultation for customers interested in using the service and determining whether credit repair is a need for you; however, there is no online information about monthly pricing or whether the company charges per-deletion fees.

Does Zinu Credit allow me to enroll more than one person or my whole family?

It is not clear whether more than one person may enroll as a single customer with Zinu Credit.

How does Zinu Credit repair my credit?

In five easy steps, Zinu Credit seeks to clear up those issues that are causing your score to dip below optimal levels. First, the company will assign a representative to engage in a free consultation with you. At this consultation, the staff member will review your situation and recommend further action. Secondly, Zinu will request credit reports from the three major reporting bureaus in an effort to analyze your score. Zinu then highlights problem areas, followed by actually disputing those questionable items. Once the dispute process is over, Zinu will report the findings to you.

How does Zinu Credit provide credit monitoring?

It doesn’t appear as though Zinu provides this service to customer.

How long will it take before I start to see results with Zinu Credit?

According to its website, Zinu’s dispute process takes up to 60 days. After this time, you should be able to see results in the form of removed items and improved scores.

What results can I expect from Zinu Credit?

As a customer, you should be able to count on Zinu working directly with the reporting bureaus and creditors to get rid of inaccurate information. By doing this, you score should rise.

How can I contact Zinu Credit?

You can call toll free at 1-800-400-ZINU to reach a Zinu Credit representative. You may also send an email to [email protected]

More Information

Published Results

Zinu Credit has not been strong in the area of publishing results. There are a few customer testimonials, though copies of repaired reports are not included.

Zinu points out that its process takes 60 days, but the company does not explicitly claim to be able to help customers within a specific time frame.

Price Breakdown

 It is clear that Zinu Credit Repair does off the service of a free consultation. This is an important step that helps identify whether you’ll be a good candidate for credit repair. Most of the other payment information is vague or nonexistent.

Money-Back Guarantee

If you’re not satisfied with the service you’re receiving, you may cancel your enrollment at any time, no questions asked. You are also guaranteed to get your money back.

Give Zinu Credit a Call

To obtain more specific details about pricing structure and fees, call the company directly.

How it Works

 Following the initial step of the consultation, Zinu Credit undertakes four additional steps to help you improve your credit.

Reports Requested

Zinu Credit will start by asking the three major reporting bureaus to send copies of your credit report. Zinu will thoroughly analyze these reports and develop an action plan to help improve your credit.

Questionable Items Identified

From the reports, Zinu will highlight those incorrect, outdated, duplicated marks on your credit report that are bringing your score down.

Dispute Process

Zinu will next go to work and initiate a dispute process with the credit monitoring bureaus. This process can take up to 60 days, but it’s a critical step in removing those illegitimate items that are wreaking havoc with your credit score.

What to Expect when Signing Up

 Singing up is a simple, straightforward process. There is an online form clearly visible on the company’s website. Simply provide the requested information and wait for a representative to get in touch with you. This process takes a matter of minutes, and in no time, you could be speaking with a Zinu professional credit repair specialist.

Online chats are also available for those who have additional questions and need further assistance. The chat option is available 24/7 for your convenience.

What Can Be Removed?

 Zinu Credit is not able to remove legitimate information from your account, just those incorrect items on your report. Some of these erroneous items include the following:

  • Charge-offs
  • Collections
  • Judgments
  • Late payments
  • Bankruptcies
  • Closed accounts
  • Negative settlements
  • Foreclosures
  • Repossessions
  • Liens

By deleting these items from your record, you can benefit from an improved credit score and have a better opportunity to obtain loans and be on sure financial ground.

Are there any inaccuracies in this review? We take our accuracy very seriously and would love your feedback. Give feedback here.

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2 Zinu Credit Repair Reviews

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  1. User Score


    August 4th, 2016 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

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    September 5th, 2012

    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.

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