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Continental Credit

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5.4

Overall Score

Author: Kaitlyn Short

LAST UPDATED: July 7th, 2023

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. 

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The Good

  • No Contracts—Cancel Anytime
  • Personalized Attention From Credit Specialists 
  • Credit Education and Tips to Help Boost Overall Score 
  • Comprehensive Credit Analysis with Customized Plan 
  • Monitoring and Progress Tracking 

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:

No Contracts—Cancel Anytime

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.

Personalized Attention From Credit Specialists

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 Education and Tips to Help Boost Overall Score

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.

Comprehensive Credit Analysis with Customized Plan

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.

Monitoring and Progress Tracking

Clients will be able to access their case results and track deletions accomplished by Continental Credit via an online client account portal.

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The Bad

  • No Money-Back Guarantee
  • No Licensed Attorneys on Staff 
  • No Customer Testimonials or Deletion Proof on Corporate Website 
  • No Pricing Structure Offered to the Public on Website 

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:

No Money-Back Guarantee

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. 

No Licensed Attorneys on Staff

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. 

No Customer Testimonials or Deletion Proof on Corporate Website

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.

No Pricing Structure Offered to the Public on Website

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.

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The Bottom Line

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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Star Rating

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3.7

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156 Reviews

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3%

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3%

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Cathy Terranova Belen, NM

I want to say yes and no about recommending this company. They were great to work with at first and they helped me make a lot of progress. I am repairing my credit after a divorce, which I know isn't easy. I'm not saying don't use them, but don't be afraid to advocate for yourself. Even when I asked specific questions about specific accounts, it didn't matter who I talked to, I had to really nail them down to get a straight answer. Then when I went to cancel my service, they told me they had had accounts removed from my credit report that are still showing as being in collections. I even double checked. Then they would tell me that there were things still showing on my credit report that I know aren't because a lender has recently pulled my credit. I felt in the dark about what they were doing and when I said as much while I was cancelling my service I was told essentially, if you're going to leave the program because of poor communication when we're helping you, "that's just something you're doing to yourself". Communication is part of the service I'm paying you for. I'm not hurting myself in any way. In fact, I'm better than I started. If I don't know what you're doing with something as important as my credit, I am not going to continue to give you money when vague answers make me uncomfortable. Trying to make me feel guilty so I keep using your service is a really disgusting tactic. I've been increasingly frustrated with this company over the last eight months. They did do some good and definitely aren't a scam, but only use them if you get a referral discount. Not worth paying full price to be jerked around.

5 years ago

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Nicole Powder Springs, GA

For a few months now (less than 6 months) I have been working w/ Continental Credit. I will have to say - initially I thought their services were a waste of money and time as I started to see my credit scores go down rather then up. However, being patient, just two months later and my score has went up dramatically. I was even able to open a bank account, which literally two months earlier I was denied and told it was due to an old account appearing on my credit. From my personal experience with CC I will say wait it out before you give up. These kind of things aren't cleared up overnight. Patients is definitely a virtue in the situation.

10 years ago

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Angela Rio Rancho, NM

I’m still new to this service and questioned whether to cancel after 3 months but after speaking with my third consultant, Joshua S he made me feel more confident about what to expect and was honest about my credit history. He was very knowledgeable and told me important things that were not mentioned to me with the other two employees I spoke with. I recommend Joshua S as a credit consultant any day!!!!

6 years ago

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Nunya Peoria, AZ

Used them for 2 months and I did have positive changes to my credit report. They try to make it difficult for you to cancel (long hold times to tempt you to just hang up and various sales tactics) but just stand firm in your cancellation request. For those in the program for multiple months and unable to cancel, you need to stand your ground and not get roped into staying in the program. It's your decision when you're done, not theirs.

6 years ago

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Victoria Fountain Hills, AZ

Needed email communication, very good in phone.

2 years ago

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Reply from Continental Credit

Victoria,

Thank you so much for the feedback and taking the time to reach out! I would love to connect with you in regards to communication and such. Thank you!!

Feb. 13th, 2023