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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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57%

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10%

3 grade

3%

2 grade

3%

1 grade

27%

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Robin Chung-Fagbohun Worcester, MA

To whom it may concern, I spoke with a very pleasant young man by the name of Daylon B very polite and very well spoken he gave a few opinions and gave me a good understanding about how the whole process works I had to cancel my account due to financial condition but with the information that was giving when my financial condition gets better I will be returning back to open a new account and I have told a few family members about Continental and they will be using your services as well thanks Daylon for you concerns and help with this matter. BEST OF LUCK and keep up the great work as a consumer service representative.

4 years ago

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Vicky Jimenez Sacramento, CA

I'm just about to finish my first month at Continental Credit. I must say I was very skeptical about this whole program, however, after speaking with Hugh M, I feel much more confident in proceeding. Hugh gave me his contact information and assured me that I could contact him with any questions or concerns that I might have. He made me feel very secure and excited about moving forward. This type of reassurance and openness is what I'd hope for in a company that handles such important and private personal information. Hugh and Continental Credit are awesome! Also! If you use Hugh's referral code, you get a discount at sign up!!!!

5 years ago

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DARREN MCKAY Bakersfield, CA

I'm not very good at leaving reviews. But since I've been a client with you guys all I've experienced was great professional assistance with you guys over the past four years. My last customer service representative given me a lot of awesome advise on what to do to help my credit rise higherand what not to do to damage my credit. I really appreciate the great advice and help that Jeffery given me today. Thanks to the entire group at continental credit,for helping me over the years to get me into my home and able to purchase my vehicle. I'm shooting for signature credit status before next summer.

6 years ago

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Peter Apel Tucson, AZ

I started with Continental Credit Repair in January 2016 , with 68 derogatory entries and two outstanding judgements reported to the three Credit Bureaus . At that time I had an average credit score of 483 , and was paying Very high Rent for a house. Fast Foward to September 2017, I just canceled my service with CCR talking with Liah Dierks,. At this point CCR has got most of the derogatory entries and both judgements of my Credit Score. My Credit score is now in the mid 700's and I was able to close on my first Home loan and now enjoying a Beautiful Spacious home!, that belongs to me!!, and my mortgage is less then what I was throwing away in Rent. I have seen on the internet several people writing this Company is a Scam, and a waste of time and Money. Credit Repair doesn't happen overnight people!, it did take a minute!?, but it is well worth the time and effort. Thank you Continental Credit Repair, I would recommend your company to anyone serious about cleaning up the bad Credit!!.

7 years ago

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James Hiott San Diego, CA

Today I spoke for about an hour and ten minutes with Austin F at Continental Credit about my credit past, present and future. It was hands down one of the most informative and enjoyable conversation I have ever had with a support agent(by the way, give this man a raise! I guarantee he's earned you more business from the experience I had today on the phone with him). Hands down. I fully understand what's helping and hurting my credit and what I need to do to repair and maintain it while CC helps fix the things I already screwed up. Exception service - in 2 weeks I'm already seeing how much work they're doing for me. If you have credit issues, Continental Credit really is a great choice.

7 years ago

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Christina Cheyenne, WY

I dealt with this company before and they contacted the credit bureaus to investigate mistake and errors on my credit. Within 6 months of using this company my credit reports went up by like 200 points!!! They were very helpful and nice and I would definitely recommend them to anyone who is serious about fixing their credit. When i contacted them they were upfront about everything and they always made sure that I was happy with the results. I do believe though the only inconvenience was getting statements from the credit bureaus in the mail and having to either fax or email them to this comp[any. I wish they had a portal that the credit bureaus could send those statements to them instead of to me.

7 years ago

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Paul Jones Broomfield, CO

When I first got started I was trying to purchase a home back in August, my mid credit score was 538. I had about $32k in charge offs and collections. They coached me on opening secured credit cards and to settle the only account on my credit that had to be paid to get my home loan. I have since open two credit cards, closed on my home and purchase a car with 0% interest. My credit transformed in five months to a 708 and all collections were removed from my report and not one had to be paid. I cannot say enough about what they did for me and my family, they truly changed my life. I am truly thankful. A++

10 years ago

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Shonna Columbus, OH

I like just about everything with this company. Few Representatives I have spoken with had cleared it up and gave me a great understanding how important credit is and how to go about improving the credit score and I really appreciate that because I've been lost about this for 15 years and now I feel safe understandable and I can go ahead and continue to reach my goals thank you so much.

2 years ago

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Reply from Continental Credit

Thank you so much for the great feedback!

Feb. 15th, 2023

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Michelle Delgado Montclair, CA

Thank you Hugh M for helping me better understand the world of credit. How I wish I could of been aware how important credit is. Thank you again for taking the time today to explain to me what exactly I need to do to accomplish my goal. If anyone is on edge about taking the next step to improving credit score, I highly recommend Hugh. He has patience and will take the time to explain to you in details you’ll understand.

5 years ago

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Ashley Sierra Lancaster, PA

I would like to thank advisor Hugh M, he really helped me to identify areas where I needed to make improvements and also offer solutions to me when I couldn’t quite afford my initial payment amount in my first few months. He is very customer service oriented and quick with solutions. I can attest to improvements with my credit in the three month span with credit debt deletions, derogatory late payment comments and accounts. So although you may need to be patient through the investigation process it’s worth it to stick it out as you see your credit score increases. Thanks again Hugh !

5 years ago

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Trina Hedge Apple Valley, CA

I was absolutely pleased with my interaction and experience working with Continental Credit! Tyler G is very informative and supportive. He helped ease my mind and left me feeling very hopeful and optimistic. I appreciate the level of care he provided and look forward to continuing to work with him. I recommend Continental Credit to anyone in need of credit repair!!

6 years ago

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Melissa A Fitzpatrick Lorain, OH

I had a great experience speaking with Samantha S who Help me what all the questions that I had regarding my account with Continental credit I am well please working with everyone there everyone is friendly and very helpful I can’t wait to see in December where my credit score is at various cited working with Samantha And feeling more relieved when I didn’t know what I was going to do we’re trying to get my credit score up thank you Continental credit

6 years ago

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Herline . S Brockton, MA

today I called CC with a heavy mind after I spoke with Dawn L she eased my mind by walking me through my file and help me understand exactly what I need to do to help the process go smoothly and explaining what's been done on my file from the time I started till now after my conversation with Dawn I had a better understanding of everything. Honestly everyone has been extremely awesome to me every time I called

7 years ago

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Ta Sacramento, CA

Over the course of my life i have heard aboud credit fixing company and seen the back lash of these company from friends and family members. I am glad that ingave been dealing with Paul who has been listening to my situation and goals and looking out for my better well being. Because of this great customer service i have recommended any of my friend that tell me or even mention that there trying to fix there Credit yo continental because of the great service that i have gotten from Paul and continue to receive.

8 years ago

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Mike Jones Denver, CO

Continental credit took me from a 549 fico to a 735 fico in 9 months. Their staff was hugely helpful from when they enrolled me through the time I ended the program. They helped me improve my positive credit by educating me on debt utilization on my credit cards. They saved me tons time, money, and headaches. These folks are available from before I go to work til after I am home. I had my credit fixed 6 years ago and they have always had the same company name. Mike Jones Denver CO

10 years ago

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Review Source

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Chad Los Angeles, CA

Michael answered every question that I had for him, makes you feel comfortable to do business with Continental credit. Makes you feel comfortable to know that your credit is in good hands, Michael gave me reinsurance that I can contact him at any time for any questions that I have. It was a pleasure talking to him.

2 years ago

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Reply from Continental Credit

Chad,

It was such a pleasure to speak with you and to make sure you had all of your questions answered. Always here if you need me or us!

Feb. 14th, 2023

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Bobby Ruiz Sunnyvale, CA

I am a Lender and I want to thank Marissa B for helping my last 2 challenging clients. Marissa went thru some hoops to get results we needed. Even responded after hours and on the weekend. I will recommend Marissa to future clients. Thanks so much :)

2 years ago

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Sha'niah Card Spokane, WA

I love this company but specifically because of NOAH V!! That man is SUPERB in his customer service skills! I was so down when I called and by the end of the conversation, I was happier than ever and got great feedback! Great company and a huge shout out to Noah!!

3 years ago

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Reply from Continental Credit

Dear Valued Client,
Many thanks for your time and phenomenal review! Your kind words means the world to your investigation team, the organization and especially Noah! We are delighted with the successes so far and look towards the future for more achievements. We are delighted to hear that you have been treated with top shelf service, because your satisfaction means the world to us! Thank you so much for your time and partnership! To better one’s credit, is one of the best decisions a consumer can make. Your investigation team would love to help someone in your network. Have them call us today at 1-866-488-2066 we look forward to speaking with them. Thanks again, take care and best regards!

Sep. 1st, 2021

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Glenda Manvel, TX

Continental Credit Repair has exceptional customer service and they are very helpful and knowledgeable. Titus, a representative from the company recently helped me with some questions and concerns of which I was very satisfied with. He was a great customer service rep and displayed great interest with my concerns etc.

5 years ago

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Keagan Las Vegas, NV

I’ve had the best experience with this credit repair company, everyone I ever talk to has been nothing but nice and professional, very patient and understanding. My credit has gone up over 100 points in the short time that I’ve used Continental credit, I’ve recommended everyone I know to go with this company.

5 years ago

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Orlean Las Vegas, NV

Desiree D was great. I needed to suspend service fir a few months due to a large monthly payment starting for another debt. Desiree updated me on my soft pull & offered a deal that is better than nothing. My score has been improving & hoping in November I'll be in a place to refinance for home improvements.

5 years ago

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Tiana S Fleming San Diego, CA

Ted has been awesome with me since I've been a client with continental credit repair they have been successful on.deleting some items also they help if your In a hardship and i didn't know until today thanks Ted for helping me and continue to help me.

5 years ago

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David Vista, CA

Joshua S was very helpful explaining what was going on with the service. Also answered all my questions accurately and professionally it felt like he really cared that my credit was going up I highly recommend this company due to great employees like joshua

6 years ago

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Martha Ramirez Chowchilla, CA

Joshua S was really good at handling my credit situation and recommend what is best for me while looking into my credit file. I better understand what is on my credit and what steps I need to take in order to get approved for a home loan.

6 years ago

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Cathy Burke Reno, NV

I had the pleasure of speaking with Tyler today. He was excited to explain what they have done for us and that we were heading in the right direction and to keep doing what we are doing. He was patient and understanding. Thank you Tyler for putting our minds at ease and doing it with a smile!

6 years ago

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Michelle L S

Overall, I've had good service from Continental Credit, I would like to commend Nelly L, for taking the time to really analyze my account and show me different options to take so that my credit gets repaired as soon as possible, I really appreciate her service and patience. Thank you.

6 years ago

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Kaliph Hassan Aurora, IL

Very friendly very knowledgeable and I will definitely recommend this to all my veteran friends. Looking forward to moving in my new home the American dream. Nelly L was super helpful looking forward to working with her I can for 10 stars.

6 years ago

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Khristie

I had the pleasure of speaking to Joel S. on October 15, 2018. He was friendly and knowledgeable. Joel gave me great tips on how to get and keep my credit score up. If you are considering a credit repair company you should use Continental Credit.

6 years ago

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Alma Aguilar Fontana, CA

I was referred by my brother in law to CC. I have seen positive outcomes and I’m very grateful for there hardwork. Nelly L is very friendly and knowledgeable about what she’s doing. She took her time to explained what other things I should do to improve my credit score. I’m very happy can’t wait to be able to buy a house.

6 years ago

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Elvedina Eden Twin Falls, ID

Ive been a member with Continental Credit Repair since over a year now. Ive been treated good everytime i called, Desiree Dallas has answered all of my questions and even explained something i didnt understand. Thank you guys for working hard on my file. You guys are doing a great job and i appreciate it! Have a nice day!

7 years ago

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Michael Thomas Scottsdale, AZ

Ive used their service for a few months now and i have to say that they are doing a great job. I called in recently and was assisted by Riley Ivey and she amazing. she was patient and willing to answer all my questions. She most definitely deserve a gold star!

7 years ago

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Hannah TX

Dawn Lizer was very helpful in my lay cal to inquire about something on our report. As a product and service, they've helped us get into two homes now and I have recommended to several of my friends and family because of it.

7 years ago

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Dave M Henderson, NV

I've used Continental Credit for sometime and has proven to be very effective with resolving and/or having items removed from my credit report permanently! Today Liah D customer service representative helped me with an issue and got it resolved quickly! I will refer my colleagues to their services.

7 years ago

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Wendye Smith-Malette Santa Paula, CA

Continental has been instrumental in helping me to accomplish my goals. Josie spent extra time explaining and making sure all my questions were answered. I 'm able to pursue my dream of homeownership because of their hard work!

7 years ago

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Cheryl Mitts Las Vegas, NV

Spoke with Dawn L on 7-12-17 regarding the status of our credit repair and she was very helpful. She was very polite and knowledgable and explained exactly what we needed to do and what they would do and she provided us with follow up instructions. She made and unpleasant topic pleasant.

7 years ago

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Karla Lopez Anaheim, CA

I have been with continental for a couple of months and I have to say that I have nothing to say but good things. I am greatly thankfull with Gaby Barrios. She has have the time to answer my questions and she keeps me updated with my account. Kuddos Gaby! Keep up the good job!!

8 years ago

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Hlowd Duluth, GA

I must say I am 100% satisfied with my results so far. I joined them about three months ago and I have seen a 40 point increase in my score. Fallon Fleming is very professional and always will to address any questions and concerns I may have. I would recommend them to any one who is trying to have their credit files corrected.

9 years ago

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Susanna Strathmore, CA

I totally recommend this company. Rachel N answered every single one of my questions and went above and beyond by emailing me phone numbers, balances etc... I truly appreciate it, thank you very much.

5 years ago

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jason allen fletcher

spoke with cindy m today and she addressed and went a step further on what me and my wife need to focus on and putting the process faster to accomplish our goals! Again Thanks for all that continental credit has done for us.

6 years ago

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DONALD NIAM Las Vegas, NV

So far the company is top notch and knows the techniques to improve credit score. I just spoke with Christine for an update and she was very kind and listened to all of my needs. I recommend this company all the way!

6 years ago

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Tess ‘Aiea, HI

Stephanie B was amazing...she helped me a lot by educating me on how to increase my credit score as well as the program...thank you so much Stephanie you put my mind at ease today...i will be sending people your way...thank you again

6 years ago Edited September 14, 2021

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Shane Pourhassan Anaheim, CA

So far I am happy with the services provided and the services have been superb and outstanding. Mark.B has been really helpful with services and information to improve my credit score.

6 years ago

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Julian Chavez

I want to thank Brad for such great customer service was extremely helpful answer all my questions professionally and knowledgeable it's always a pleasure call Anna before Brad thanks again buddy!

7 years ago

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David Westerberg Redlands, CA

I called today about my credit disputes with Equifax, Experian and TransUnion. I spoke with Austin and he was very helpful in guiding me to improve my credit score. He tips are going to help me make quick jumps of my score.

7 years ago

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Lamont Robinson Columbia, SC

Everyone who has helped since I’ve joined Continental Credit has been amazing and super helpful. Recommend to anyone looking to repair credit at an affordable price.

2 years ago

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Reply from Continental Credit

Thank you so much for your incredible feedback! We appreciate you!

Feb. 6th, 2023

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Melissa Ortega Las Vegas, NV

Lexi was such a pleasure to speak to. She answered all my questions, and gave me some good advice on what to do next to improve my credit score. Can’t thank her enough.

5 years ago

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Cynthia T. Little Rock, AR

Ara was very helpful today explaining my accounts with me , I’m new to this service and she made me feel much better with my progress great customer service !

5 years ago

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Jack Brooklyn, NY

Cindy Medina is fantastic! Super helpful! And honestly, the ONLY person I wish to work with going forward! Thanks for all of your great advice Cindy!!

6 years ago

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Alisha Mello St. Petersburg, FL

Christine treated me with manners and she answered all my questions . I feel that i am on the right track to getting my credit repaired thanks to Continental Credit.

6 years ago

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ELIZABETH Dorris Henderson, NV

So far I've had nothing but good customer service. I've received outstanding Service with Autumn. I have only been a client for one month and have seen progress already.

7 years ago