3.7
5.4
Overall Score
Continental Credit is a financial services company based out of Westminster, Colorado.
The credit restoration company provides a free credit consultation as well as a customized experience for its clientele through a monthly commitment with no required long-term contract. Continental Credit also allows customers to cancel services at any time.
Keep reading to learn more about Continental Credit's credit repair services.
Continental Credit works with consumers to establish a customized credit repair game plan and consumer education program to improve overall credit scores.
As a full-service credit repair company, Continental Credit is best suited for individuals in need of long-term credit repair in the deletion of several inaccuracies or false information on their credit reports and who do not have the time to deal with these item details on their own.
Many benefits of this credit repair company include:
The company does not force a penalty if a client decides to cancel services and no reason is required.
It seems like the Continental Credit repair program does not require months of client commitment, unlike some other credit repair companies that force clients into long-term contracts.
Each credit repair client case that comes to Continental Credit will get a dedicated credit specialist. That means each client has a specific contact and resource working on their behalf throughout the credit repair process.
Your credit will specialist will conduct an investigation utilizing the Fair Credit Reporting Act to clean up any incorrect items on your credit report, provide valuable insight on how you can best maximize your credit potential, and create a comprehensive plan with straightforward goals to help you reach your financial goals.
Credit repair may only be one way a client can improve a credit score. However, the credit repair firm strives to provide customers with additional knowledge and understanding of the credit and financial landscape in order to help them with future money decisions.
The Continental Credit educational resources include topics like credit reporting, good credit practices, credit report items, student loans, credit card usage, credit history, and more.
Similar to some other companies in the industry, Continental Credit gives clients a free comprehensive credit analysis that will identify all areas of credit report weakness.
Clients will be able to access their case results and track deletions accomplished by Continental Credit via an online client account portal.
In order to fully cancel a membership account with Continental Credit, customers will need to call the company directly and speak with a customer service representative.
If the necessary steps are not taken properly for cancellation, the consumer's account will continue to receive a monthly payment charge.
Negative concerns that have been raised by consumers regarding Continental Credit include:
If unsatisfied with the company's service, Continental Credit clients will not be able to get a full refund for any payment they have already made.
Meanwhile, several other companies within the credit repair industry offer a money-back guarantee for at least the first few days/months of service.
Although some companies do have access to attorneys, Continental Credit does not.
While not required by credit repair bureaus, oftentimes having an attorney on staff who can help customers with difficult item disputes and provide legal advice is a major plus in the credit repair industry.
The main Continental Credit website does not offer much for prospective clients to read about in terms of previous experiences clients have had with the company's credit repair program.
There is a pretty large lack of transparency when it comes to how much clients will have to pay for the Continental Credit credit repair service. Those interested in credit repair services need to directly contact the company in order to obtain these important pricing details.
Potential clients should keep in mind that the majority of other credit repair firms directly offer information about monthly payments and setup fees on their main websites.
Continental Credit seems to be a legitimate credit restoration company with over nine years of experience in the financial services industry.
Consumers can receive a free credit consultation and pay for monthly credit repair plans that can be canceled at any time. Clients can also access helpful online resources to learn more about credit scores, credit history, and more.
It is important for potential clients to note that some Continental Credit consumers have sent in a complaint with billing, cancellation, and/or overall service delivery.
In comparison to other credit repair firms, Continental Credit also doesn't seem to offer information on its website regarding monthly payments or setup fees. Consumers are advised to review all policies carefully, contact the company for more information, and read Continental Credit reviews before they agree to purchase services.
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