CRE Credit Services don't just do credit repair. In addition to credit repair, the company offers credit restoration services, credit building services, and credit education services. CRE Credit Services has only been in business for six years, but in that time it has created a 7-Stage Repair Process for clients. James Charlet, a former member of Experian's legal and compliance department developed this process.

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The Good

Money-Back Guarantee
Free Consultation
Seven Step Process
Educational Resources

Not only does CRE Credit Services operate in full compliance with the Federal CROA and Texas State CSO regulations, it is registered and bonded for clients' protection. Some additional highlights about CRE Credit Services are as follows:

Money-Back Guarantee

CRE Credit Services stands by their promise to produce results with a 100 percent money-back guarantee.

Free Consultation

Potential clients have the option for a free consultation during the signup process. During this, each client gets an in-depth analysis of their credit reports, with no obligation to work with the firm.

Seven Step Process

As stated above, CRE Credit Services has a unique 7-Step System used to repair clients' credit. It is designed to be used over six months but the firm has stated that some clients see results in as little as 30-45 days.

Educational Resources

The CRE Credit Services team provides a ton of information on credit repair, credit education, credit support, credit reports, etc. The company has an informative blog, FAQs, and more providing insights on these topics.

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The Bad

Time in Business
Hours of Operation

CRE Credit Services has many great benefits to its services, such as its unique 7-Stage Repair Process, developed by a former member of the Experian team. However, they do have a few drawbacks to note:

Time in Business

CRE Credit Services has only been in business six years, making them relatively new to the credit repair industry. Some companies have been in business well over 10 years, giving them more experience.

Hours of Operation

CRE Credit Services operate 8 am to 7 pm Central Time while some companies operate until 9 or 10 pm. This can be somewhat limiting to clients.

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The Bottom Line

Overall, CRE Credit Services has a unique 7-Step Process for improving their clients' credit. The firm states that on average clients will see 50+% of deletions removed in 30-45 days and 75+% within six months. In addition, they are staffed with licensed attorneys and have a money-back guarantee. And although the company's price is quite high, it is transparent about it.

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User Reviews

Star Rating

4.2

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58 Reviews

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Daniel Hernandez

7 months ago, I was told by numerous banks and lenders that I did not qualify for a home loan, nor would I ever. I then was referred to Chad Campbell at CRE Home Solutions. I gained so much insight, knowledge and direction from the guidance of Chad in our initial conversation, that I knew CRE was my only hope of ever becoming a home owner. CRE Home Solutions well exceeded my expectations! Not only did they delete 99% of the negative items off my credit report, Chad coached me all the way into my beautiful new home. Words cannot express how THANKFUL I am for Chad Campbell and CRE Home Solutions… I have a new quality of life! CRE Home Solutions is the BEST in the business!!!

7 years ago

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Daniel Hernandez

7 years ago

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Janet Carrollton, TX

I had had experience trying credit repair by myself before working with Cre but I was never able to keep a negative off my credit report. I would get one removed and a month or so it would show right back up again. This repeatedly kept me from getting a decent home. My friend finally told me to try cre. I was skeptical at first considering how I had tried and tried and was never able to accomplish anything myself and also I noticed that they do charge more than some other companies I had heard about but on the recommendation of my friend i decided to give them a try. I am so glad I did. Within 6 months they were able to remove all the accounts that were keeping my score down and it has been another 6 months since I completed the program and still all the accounts are gone. I must say I extremely grateful to CRE for getting me through this and the money was well spent.

9 years ago

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Jordan and Jerry Hallowell Allen, TX

I really can't thank CRE enough for all of their help. My husband got laid off several years ago and it was so unexpected, but the economy got very bad and despite working for a large company he was not immune. In addition, I went through medical problems around the same time and that caused a lot more problems. Finally, my husband found a great job and I got past my medical problems, but it took us a while to recover from the debt and our credit was terrible. Everything had changed so quickly and so unexpectedly that we felt lost. We had lost our house and we were renting for a few years. I knew I couldn't get a house, but I was determined to one day get a home again for our family. I decided to call and talk to a financial planner and he had me sit down with a mortgage friend of his and they advised me to call CRE Credit Services and start working on our credit. They both had told me we had a ways to go, but we needed to call them and learn about our credit and see what they could do to help us as well. I have to say it was the best decision of our lives. After the consultation with them I felt like a weight had been lifted off of my shoulders. My husband and I felt happier again and we felt hope so we did everything they told us and now as of March of 2013 we got rid of our debt, both of our credit scores are around 700, and we closed on a house! It was a dream come true and if you have experienced anything similar I recommend you start with one of their consultations as we did. They were recommended to me and it may sound silly, but they changed our lives. Jordan Hallowell

11 years ago

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Carly Plano, TX

I have tried several credit repair companies in the past and a couple that were ranked high on this list and they got no results for me. I was very cautious about moving forward with another company again as I felt I had wasted so much money in the past. I heard about the experience of this company from my cousin who is a loan officer who sends his clients to them. I reluctantly gave them a shot and they did everything they said they would. I am very happy I took the chance on another company. I got a new car last month and we moved into our new house in March of this year! I highly recommend CRE.

11 years ago

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Tyrell New York, NY

I had a great experience with CRE. Before I signed up I had all this stuff on my credit reports that didnt even belong to me. I couldnt even get qualified from one of those cheap used car dealerships that approve anyone. After 6 months with CRE i was able to finally get a car from a manufacturer approved dealer and for a great rate. I loved my results with CRE and the customer service was great especially for someone like me who probably called too much with a lot of questions. :P I have already started telling my friends about CRE

9 years ago

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William Deats Plano, TX

I did extensive research on this company and many others before making a decision and I can tell you they are by far the best. One of the owners speaks all around the country at the top mortgage conventions as a keynote speaker. I just went to one of them in Oregon before making a decision and this guy knows a lot. He is from Experian and these guys are the best. A lot of the mortgage people there said they use them there as well and get people qualified for them. I am looking forward to working with them and I know I made the best decision.

9 years ago

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Jack Arnold Carrollton, TX

I was lucky to find this company. I had been trying for at least years to dig myself out of a hole with my credit with no luck. A friend had me call CRE Credit Services and I am glad I did. They were able to remove 12 of the 13 negatives on my reports and that was enough to get my score into the 700s. Now im finally looking for a new home for my family. I cannot say enough great things about this company.

9 years ago

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Melanie Collins Durham, NC

I am very happy with the results that I have had in only 1 1/2 months. My Transunion score went up 80 pts already!! I'm very anxious to see what the other credit reports will look like. Josh was very nice and even the results department was very nice and called me to remind me about sending in any information that I receive from the credit bureaus. I'll see what happens next!

10 years ago

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Sally and Stuart Rutherford Plano, TX

We are so very thankful for CRE who helped us get qualified for our first home! We were denied for a home loan which was frustrating and embarrassing due to some credit issues we had. They set us up on a plan and exceeded our expectations by getting us into a home in less than 4 months. We are forever grateful to this wonderful company and the great staff at CRE. Thanks CRE!!!

10 years ago

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Jason Stotts Allen, TX

This company is great! I tried other credit repair companies and didn't have a lot of success. I did a lot of research and found that these guys were the best. They had the experience and a money back guarantee so I tried them. I am glad I didn't give up on trying, I was trying to get a house for my wife and kids for years and they helped my significantly raise my scores and get into a home in 3 months. I am eternally grateful for CRE and so is my wife and 2 daughters!

12 years ago

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Kelly Rasmussen Des Plaines, IL

Awesome company!! Chad Campbell is the best! He knows his stuff. I have seen the results he promised! I am so glad I took the chance! I can not say enough but if you want results and better credit Chad Campbell and CRE Home Solutions is it!

7 years ago

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Margie Plano, TX

I am so thankful for this company. I was hesitant, but did my research and prayed about it. I made the right decision as I got my credit score increased 189 points on my midscore in 5 months. Thank you thank you thank you! I highly recommend them!

9 years ago

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Heather New York, NY

I just finished this program and I can say I am very happy with CRE .When I signed up I had about 15 negatives on my credit report and they were able to get all but 2 removed and I saw my score jump to about 700 from about 500. I am about to start looking for homes which is something i didnt think I would be able to do for years.

9 years ago

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Raymond Pappit New York, NY

I used to be with another credit repair company that will remain nameless and they were awful. Then my friend said to check this website. After reading the review I decided to go with CRE Credit Services. I am so glad I did. Since joining them I have seen my credit score go up about 150 points and I have just started looking for a home

9 years ago

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Rod New York, NY

CRE has been amazing for me. They helped me get my credit score from 540 to 715 during the 6 months of the program. I finally was able to get approved for a mortgage through wells fargo. I would recommend CRE to any of my friends. Not only do they get results but their customer service is amazing. I am very happy :)

10 years ago

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joanna Plano, TX

No company is perfect...but they helped me and my son and many others i have referred, improve our credit by 100 points or more. i refinanced my car and saved 8 thousand dollars...if you stick with the program and do as they suggest you will get great results no doubt.....my step son has credit cards now and is getting ready to buy his first home

10 years ago

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Rick Fornash Detroit, MI

Many thanks to CRE! I've webt through several companies and none delivered results, these guys did. I'm sure everyone's situation is different and credit is different but for me they did a great job and I finally was able to purchase my first home :-)

10 years ago

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Mrs. C Plano, TX

This was the third company I tried on this list and let me tell you they are legit. These other companies dragged their program and didn't get me any results. CRE got 25 items deleted in 3 months. That is what I am talking about! This is the company you need to go with right here. Thanks CRE!!!!!!!

11 years ago

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Suzy Plano, TX

This company is no doubt the best. I tried 3 different companies over 2 years and these guys actually got results. After all that time in 4 months they got 90% of my negative items deleted and got me qualified for a home. They are great!

11 years ago

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Matt Haslet, TX

These guys are awesome. My credit was really bad due to a medical situation in outlr family compounded by a job loss. When I signed up with CRE I started out with a 544 on Experian, a 562 on transunion, and a 493 on equifax. In 5 months my scores have gone up to a 678 on Experian, a 707 on transunion, and a 698 on equifax. They are Awesome!!!

11 years ago

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Angie New York, NY

I dont understand how anyone can give this company anything but a 10. They did everything for me they said they were going to and I am so happy finally having a credit score over 750 with all three bureaus. :) I love CRE

9 years ago

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Jimmy Reed Plano, TX

I graduated from their program this week and I just had a lender pull my credit scores today and my midscore was 697. I was a 538 midscore 6 months ago. I am very happy with their services and I highly recommend them!

9 years ago

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Jessica Wegmann New York, NY

I am extremely happy with CRE Credit Services. They have helped me to get a new car for the first time in my life and they were always so great when I call called with questions.

9 years ago

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Sierra Allen, TX

Thank you for all of your help. You helped get me and my son a house when no one else would or could. I am forever grateful to your company and will send everyone I can your way!

11 years ago

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BB Allen, TX

I got some really great results and I referred 2 family members that did as well. They fixed my credit much quicker than I expected. I got some $ waived for referring people too which was awesome and they were happy.

11 years ago

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RH Allen, TX

These guys are awesome. Heard about them from a buddy in the mortgage business. He told me they get all of his clients qualified and so far I have gotten great results in the first couple months!

11 years ago

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Lisa Allen, TX

This company is amazing. I am telling you they are so great if you are hesitant at all you shouldnt be. I certainly was at first, but I have seen the results they promise. They really are the best. Thanks guys!!!

11 years ago

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Geena Montague Plano, TX

I went from a mid score of 578 to a mid score of 674 in 3 months and got qualified for a house. Saying I am happy with the results of this company would be an understatement!

11 years ago

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Kelly Plano, TX

Thank you so much for everything you did for my family and I! 100 point increase in just over 2 months!! Just closed on our new home.!

7 years ago

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Shonda New York, NY

This company is amazing. Been trying to get approved for a new car for years. Finally after CRE I can say I got my first new car.

10 years ago

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Harry Plano, TX

I highly recommend this company. I have used them for my clients and for myself. They do a fantastic job, better than anyone else I have ever used.

10 years ago

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Helen Peters Allen, TX

CRE got me qualified for a home loan in 4 months after I had been turned down by multiple lenders. I am forever grateful. Thanks CRE!

10 years ago

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Bobby B. Plano, TX

I got referred to this company after being turned down for a mortgage. They got me qualified and at a good interest rate. This company is legit.

11 years ago

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Ale New York, NY

CRE is very god company. They did help me to get credit car. I call they have spanish speker too.

9 years ago

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Dev Patel New York, NY

CRE Credit services is great company. They help me to get home qualify. There customer service great to.

9 years ago

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Janice Allen, TX

My husband and I got a new house thanks to CRE and we got a 3.75% interest rate. We are very happy!

11 years ago

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Skylar Allen, TX

I got 31 out of 34 items deleted in 3 months so far i would say I am pretty happy with these guys.

11 years ago

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Aaron Allen, TX

These guys are great. Got a new car and going to get a house soon as well. Thanks guys!

11 years ago

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JL Allen, TX

Credit scores went up an average of like 80 points on each bureau in just a few months. Im happy.

11 years ago

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Kent New York, NY

I had a great experience with this company and would absolutely recommend them

9 years ago

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Jamie A Allen, TX

CRE is the best do your research there is no one better! Thanks CRE!

11 years ago

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KA Anderson Allen, TX

These guys are legit. No doubt they are the best out there!

9 years ago