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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

Review Breakdown

5 grade

57%

4 grade

10%

3 grade

3%

2 grade

3%

1 grade

27%

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Steve L.

Overall, Continental Credit has been successful at "repairing" our credit file. We have seen changes in information associated with particular credit accounts and they have eliminated some inquiries and had accounts removed. I had a good conversation today with Dawn Lizer, a consultant. She clearly communicated what types of things they are "attempting" to do, as well as what they have accomplished. Dawn said that they have "many ways" to challenge information, based on their experience, that can positively impact the credit file. I would suggest that they develop a proactive communication process with their customers. Let us know which accounts you are attempting to fix on which credit bureau and how you are doing it. Please share your accomplishments with the customer. We are paying good money each month for a service, but really don't know if is working or when all the most successful types of challenges have been exhausted. Most people like me know that there are diminishing returns over time and don't want to overpay. Overall, you can trust them to work on your behalf and will see some results. Thanks Dawn.

7 years ago

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Chad

I have been using their services for about 4 months now. I yet have seen a change on my credit report that they did but I have had the pleasure of wonderful customer service. Her name is Christine G. Everytime I call I use her extension because I know I’ll have a positive interaction. Highly recommend speaking with her if you need help.

6 years ago

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Jessica Hanson Edmond, OK

I have been a customer for anout 6 weeks now and I have already seen my score go up almost 15 points! Corey and Ricardo have been tremendous helps to me; explaining the process along the way and patiently answering all my questions. I look forward to working with Ricardo as we go through each round of updates and corrections.

6 years ago

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Cecilie Bartell Salt Lake City, UT

l've used Continental Credit for 3 months and has proven to be very effective with resolving and/or having items removed from my credit report permanently! Today Kay J customer service representative helped me with going over my file to see how it is looking. She was AWESOME! I will refer my colleagues to their services.

7 years ago

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Jen Richardson Reno, NV

So far they have done a hreat job getting my credit scores up. I'm trying to purchase a home and they are helping me get where the morgage company needs me to be. Thank you Lexi for your help!

5 years ago

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Marisol Prieto Blythe, CA

Today I got the chance to talk to Autum Goldsmith and she answered all my questions in a timely and professional manner. I’d recommend Contienental Credit to my family and friends.

7 years ago

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KEVIN

I have nothing but good things to say about this company. nothing is perfect, and all I know is, the good will come with the bad in any scenario. so with that being said, thank you continental for what you've done for me!

9 years ago

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Home buyer La Verne, CA

My credit score has increased by at least 80 points with 1 bureau (Transunion) and an average of 50 with the other 2 (Experian and Equifax). Overall I am satisfied with their services.

12 years ago

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Stephenson S Reno, NV

I spoke with Jeff G & various other Reps.. they have all taken alot of time to explain things & my credit has improved..At this point I am impressed ..Thk you

6 years ago

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Michael G

Ann was excellent in helping me with my credit and explained thing I need to know about my credit ..I have recommended them and I wil continue telling people about them

7 years ago

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Vandel Cabot, AR

They wery, very helpful and accommodating. I'm only leaving because I ran out of the funds used to pay for the services.

2 years ago

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Reply from Continental Credit

Thank you so much for your review!

Mar. 7th, 2023

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Celeste B. Draper, UT

They are helpful and find quick resolutions. Markus M. was very polite and took the time to really understand and find solutions to my request.

6 years ago

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Sanaa Norcross, GA

Bridgette H was great! She spent time over the phone with me answering my many...many..many questions. I found her extremely helpful!

7 years ago

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Ilspbeth Bruce

Had a great conversation with Ted today. Really like Ted and Vincent. Call them!!

2 years ago Edited April 28, 2023

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Reply from Continental Credit

Yay! We are so happy to see this. I will make sure Ted and Vincent know the good things you say about them! - Mya Sanchez, Customer Satisfaction Manager

Apr. 11th, 2023

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Kathy Emmett, ID

My adviser, Hugh M has been very helpful and informative. Really appreciate all he has done.

5 years ago

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James Kleffner Surprise, AZ

Kelton at Continental Credit was very helpful.

6 years ago