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Credit Innovation Group

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4.6

Overall Score

LAST UPDATED: January 31st, 2024

Credit Innovation Group is a credit counseling company located in Salt Lake City, Utah that offers a four-step credit repair program which typically takes members about six months to complete.

The company provides each member with a dedicated credit specialist who can offer assistance throughout the credit repair process.

Additionally, Credit Innovation Group works with all of the major credit reporting bureaus to correct inaccurate items on clients' credit reports in order to help them improve their credit situations. According to the company's website, Credit Innovation Group uses an electronic disputing process.

In addition to credit repair, Credit Innovation Group provides services and tools that are designed to help members build a strong credit profile and leverage their credit to achieve finance-related goals like buying a new house. 

Keep reading to learn more about Credit Innovation Group’s credit repair services. 

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The Good

  • 4-Step Credit Repair Process
  • Helpful Tools and Services
  • Additional Resources

Credit Innovation Group has two membership options that consumers can choose from - the Gold membership and the Platinum membership. Each membership includes a 30-minute credit consultation, access to a mobile app, helpful tools, and more. It appears that consumers can only get credit repair services through the company's Platinum membership. 

4-Step Credit Repair Process

Credit Innovation Group offers the following four-step credit repair process: 

  • Step one — The company will analyze the client’s current credit situation and look at their credit reports.
  • Step two — The company will start the electronic dispute process. 
  • Step three — The company will wait to receive dispute responses from credit bureaus and will take further action if needed. 
  • Step four — The company will continue with disputes (as long as the client maintains membership status) if the targeted items haven’t been resolved within six months. 

As mentioned above, the Credit Innovation Group credit repair program can take about six months to get the best results. Since results can vary, some clients may take longer than others to go through the company's credit repair program. The company states online that it focuses on removing inaccuracies or misleading items that make include charge-offs, collections, late payments, bankruptcies, foreclosures, and repossessions.

Credit Innovation Group also acknowledges on its main website that each credit situation is different and that it cannot guarantee that clients will reach a certain credit score after going through its credit repair process.

Helpful Tools and Services

Unlike some other companies in the credit repair industry, Credit Innovation Group members are given a few extra helpful credit tools and services. 

In terms of tools, Credit Innovation Group provides all members with access to a member-only mobile app. The company also provides a Score Watcher tool that allows members to have anytime access to their credit scores and credit reports. Members can also use this tool to monitor their credit activity and to prevent identity theft or fraud.

In addition to tools, Credit Innovation Group offers a rewards program which can help members get discounts, cash back, and more. The company also offers a cashflow accelerator service that is designed to help members get out of debt. 

Additional Resources

Along with credit repair services and tools, Credit Innovation Group provides Platinum members with some helpful resources like a home guide and a credit-building guide. Members can use these guides to achieve their credit and financial goals. 

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The Bad

  • High Setup Fee
  • No Legal Assistance
  • Limited Website Information

High Setup Fee

Credit Innovation Group does charge a relatively high initial fee for its credit repair service.

To start the company's credit repair process, clients must pay a one-time fee of $149. Meanwhile, some other companies in the industry either do not charge a one-time fee or charge a lower one-time fee.

The combination of the company's $149 one-time fee plus its $99 per month subscription fee may be more than what some consumers are looking to pay in terms of credit repair services. 

No Legal Assistance

Credit Innovation Group does not appear to provide any legal assistance to clients as part of its repair process.

Many other credit repair companies in the industry have at least one person on staff who is available to help clients with their legal-related credit questions and concerns.

Limited Website Information

Although Credit Innovation Group does provide some information on its website regarding its prices and repair services, there is still a significant amount of important information that the company does not disclose online.

Clients who want to learn the details of the company's credit repair services, technology, refund policy, what pricing options are available, and what certifications the company's credit repair specialists have must contact the company directly.

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The Bottom Line

Credit Innovation Group provides a straightforward credit repair process for $99 per month. The company’s credit repair program includes a 30-minute credit report evaluation and recommendation along with direct help from a dedicated credit specialist.

Credit Innovation Group also provides helpful tools and services such as a mobile app and rewards program. Additionally, the company provides those who have a Platinum membership with  resources that are designed to help members achieve improved long-term financial success.

Unfortunately, the company does appear to charge a relatively high initial fee in comparison to other companies in the credit repair industry. Credit Innovation Group also fails to disclose some important information on its main website regarding its repair services.

If you are looking for a credit repair program that includes additional services and tools, Credit Innovation Group may be the right fit for you. That said,  potential members like you are still highly encouraged to contact the company directly and read several Credit Innovation Group customer experience reviews to learn more about what the company has to offer since there is limited information available online. 

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3.1

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25 Reviews

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4%

3 grade

16%

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1 grade

40%

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Sidikat Oriowo

Israel C is a credit score improvement expert who stands out in the field due to his vast experience and deep knowledge. His approach to credit score enhancement is both comprehensive and highly effective, making him a sought-after expert in this area. C's methods are grounded in a thorough understanding of credit systems and financial markets, allowing him to provide tailored advice that suits individual needs. Clients consistently report improvements in their credit scores under his guidance, which is a testament to his skill and dedication. His expertise not only helps in improving credit scores but also empowers individuals to maintain and manage their credit more effectively in the long term. For anyone looking to navigate the often-complex world of credit and finance, Israel C is an invaluable resource.

9 months ago

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Brian Almazan Herriman, UT

CIG has helped improve my credit immensely and in just a matter of weeks and they’ve just begun. I have to say I was skeptical at first and thought I’d give it a try and cancel if it wasn’t what I thought it would be but they are worth their weight in gold!! I am more than impressed with my specialist at CIG, Hyrum T., because of the amount of work and improvement in my credit score that was all done within a matter of 5 weeks and he’s still on point, very professional and easy to talk to, and doesn’t beat around the bush. I can’t wait to see what the near future has coming but my score is increasing as I write this message thanks to CIG. Credit is an extremely important part of life in today’s world when it comes to renting/ leasing/ purchasing cars, homes, and even groceries and other necessities where a credit card might be useful. Even some employers will check into your credit so I must give praise to Credit Innovation Group (CIG) and, maybe more importantly, my specialist Hyrum T! Thanks again guys!! - Brian K. A.

3 years ago

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Carol Keith Virginia Beach, VA

Austin is really good very informative I love the fact that my credit score has gone up and he is working hard getting it where it needs to be I love that he is so personable and my credit score is important to him as is it to me definitely doing a good job but communication that is awesome and how she has been going through everything step-by-step with me and doing everything possible to get my score up thank you Austin I appreciate it

3 years ago

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Reply from Credit Innovation Group

Hello, Carol! Thank you for the positive feedback and letting us know about your positive experience with us! We truly appreciate it and are happy to be joining you on your journey toward powerful credit!

Mar. 16th, 2021

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Sophia peltier New York, NY

I so far have had a wonderful outcome with Jodi M. helping my credit ..unlike Lexington law I can see my scores constantly and send her any new items I may find to be a issue, set up my rental payments to help my score and I actually feel like I can achieve my home buying goal 🙌..my score was damaged and is at at 604 in just 1 month . It may not be for everyone but so far my experience has been good !!

3 years ago

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Reply from Credit Innovation Group

Thank you, Sophia! We are thrilled to learn that you have had a positive experience with us! Thank you for sharing!

Mar. 16th, 2021

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David Dallas, TX

Couldn’t be happier. Michael P and his team was diligent and aggressive when disputing my credit profiles. Easy and informative the entire time while displaying compassion with out any judgement. I would recommend them to family and friends

2 years ago

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Victor Waldorf, MD

Huge shoutout to Kaati(Kathleen G.)! She has excellent customer service skills and takes her job very seriously. She prioritized my credit score and walked me through all of the steps to build it, with precision. I strongly recommend!

3 years ago

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Reply from Credit Innovation Group

Hi, Victor! Thank you for taking the time to leave us such a stellar review! We truly appreciate it and are happy that you have had such a positive experience with us!

Mar. 16th, 2021

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Marlena Anderson Forest City, PA

I absolutely love this company. I had a credit score of only 525 and in about 3 months my score went up to a 655. I started with this company in July of 2020 and 7 months later I am buying a house. I definitely would recommend this company by far best one I found that didn’t cost so much up front and got the job done.

3 years ago

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Reply from Credit Innovation Group

Thank you, Marlena! Here at Credit Innovation Group we set high expectations for ourselves and we are please to hear that we have met those expectations! We appreciate your feedback and thank you for sharing your positive experience with us! CONGRATS on your house!!!

Mar. 11th, 2021

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Shari Osadacz Paterson, NJ

Credit innovation charges $179 up front and $129 per month plus $19.99. If you are a couple trying to purchase a house you are paying these prices per each of you so that is $360 first time and $260 per month with an additional $40 that is $300 per month for them to do what you can do on credit karma. They NEVER EVER keep their appointments I went through three counselors in three months. When I complained about them not keeping the appointment their receptionist SCREAMED at me the first person that I spoke to who told me that I could be ready to purchase the house that I was living in within 45 days, passed away. I was so sad to hear but apparently everything that he told me was just a sales pitch. I had explained that my situation was desperate and if they could not help I understood, but he repeatedly told me that this was 100% doable. After putting up with no return calls and missed appointments they set me up with my 3rd agent , Ruben, who was wonderful. But still couldn’t guarantee to help me close when needed. I finally called rocket mortgage and got a mortgage. All of the bs that I went through was for nothing. DO NOT, I repeat DO NOT WASTE YOUR HARD EARNED MONEY. I am now locked into 3 self loans that I have to complete and for nothing that you cannot do on your own

9 months ago

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Tammy Martinez Denver, CO

I got ripped off . I paid an annitional fee of 179. Then I paid 129. Five payments. Plus the 19.99 member ship fee. I was with for over a year and they didn't do a thing . I told to cancel and I wanted my money back I asked them for a list of rent to owns in my area. They told me to check on Zello. They took my money and I didn't get the help they promised

1 year ago

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Reply from Credit Innovation Group

Hello,

The only person on file we have that matches this name has not been a member with us since November of 2022. We would love to look into your profile and address your concerns. Please reach out to us at cx@creditinnovationgroup.com so we can verify your file.

Jun. 13th, 2023

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Talanye St Louis, MO

I really can’t complain because my agent now is more involved with my profile with helping me reach MY goal and that is getting into a home of my dreams! Overall I like the program but I do think they could do a bit more considering the length of payments amd monthly payments. I have faith that they will help me get there. Shout out Rosie H‼️ You’re doing great 😊

3 years ago

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Reply from Credit Innovation Group

Thank you, Talanye! We appreciate your feedback and we are always looking for ways to improve! We appreciate you taking the time to share your experience with us!

Aug. 3rd, 2021

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David Allison Klamath Falls, OR

Diana t is awesome my credit has gone up have chapter 7 bankruptcy 6 years ago all done i couldnt apply for any kind of credit card till this company started with me now i have 4 lines of stuff so far up 60 points

3 years ago

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Reply from Credit Innovation Group

Thank you for taking the time to share your experience with us. We are happy to join you on this journey toward powerful credit!

Aug. 3rd, 2021

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Eugene Stage Creekside, PA

Dianna T. was out service rep and she was really helpful and knowledgeable about everything, she knew how to explain things in a way that is easy to understand and overall this company has helped me achieve alot. Thank you!

3 years ago

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Reply from Credit Innovation Group

Thank you, Eugene! We appreciate you taking the time to leave us such a wonderful review!

Mar. 11th, 2021

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Sheree Barkaszi Wilmington, NC

So far so good. I only signed up or the Platinum membership a few days ago so time will tell in the long run. So far they have raised my score 20 points. My goal is to be able to purchase a home in the next 30 days so we will see if they can totally hold up their end. I am pleased so far though.

3 years ago

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Reply from Credit Innovation Group

Hi Sheree! Thank you for taking the time to share your experience with us! We are happy to be joining you on your journey towards powerful credit!

Mar. 11th, 2021

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Jamieann Cerra ,

I just started working with this company and the price is exceptionally high. It's not just $149. They got $149 from both me and my fiance. Plus another fee of $15 each. We've spent total $300 in a week. I'm waiting to see if there's actually results. I was using Lexington Law. Which is so much cheaper with their work and results. This company literally PUSHED ME INTO THE PURCHASE & I had instant buyers remorse. I feel sick to my stomach with the money we just wasted on this overpriced farse. Stick with Lexington Law!!!!!

3 years ago

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Reply from Credit Innovation Group

Hi Jamie, I have asked your specialist to reach out to you and explain our products better and review our pricing structure. We do operate differently than Lexington Law and we offer a home ready map that aims to educate our members on exactly what they need to do in order to accomplish their credit goals. We have high expectations for ourselves at CIG and providing an exemplary customer experience is important to us. Thank you for your feedback and allowing us the opportunity to improve our services.

Jan. 29th, 2021

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Mary Earl Lebanon, PA

My husband and I have been with CIG now for almost a year, Not worth your money. Also we have taken steps by ourselves to improve our stuff because our Specialists isn't much help. They say within a time frame things will get better but nope. Just do the work yourself. They will write a reply to this saying that did amazing things but no Just no.

3 years ago

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Reply from Credit Innovation Group

Hi, Mary. You are right, you have had amazing things happen with our help and we are sorry to hear that we didn't meet your expectation. We have very high expectations at Credit Innovation Group and would love the opportunity to improve. Please get in touch with us at (877) 226-9442!

Jul. 27th, 2021

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Sondra Lansing, MI

I am mad as ever. This company is full of it. The terms and agreement for the 5 day if you like it or not is a waste of time because there is no change to happen in 5 days of being with them so why give your customer five days to say yes or no before the 140 comes out? Also I got ripped off. You guys agreed to take out the amount on a certain date and didn't. Then out of now where you guys take the amount finally and I immediately sent a email to my specialist to get my refund and she said I had 5 days to make that decision from the time frame of setting this up and I don't understand if the payment wasn't originally taken out that date agreed upon how is it I can't ask for the refund when the first payment wasn't taking in the time frame agreed too? I am reporting this. I can't believe the person I have as a specialist because she states the money was owed when YA'LL NEVER DID NOTHING!!!!!!! all you did was talk and analyze which wasn't worth $140.00

3 years ago

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Reply from Credit Innovation Group

Hi Sondra,
I am unable to review your file based on the information available to me on this platform. However, to give you a little insight, the 5 day right of rescission is the law and we advise you of this right to ensure you are aware of your rights. Once the 5 days if over, you are fully under contract with us and therefore, the $140 is due and owed for the work we performed on your file. We do much more than just pull a credit report and analyze as you say. In the initial 5 days, we set up your portal, map out your individualized goals and develop a step by step process to ensure you reach each milestone, as well as analyze your file, dispute items and go over the process with you. There is an entire team of people working behind the scenes for you during this time to ensure you're on track to achieve your credit goals. The bureaus have 30 days to process disputes, but since we use an electronic system, we often see results much faster and even within the first 5 days. We aim to ensure that all our members have an exemplary customer experience with us and we are sorry that we have fallen short. If you would like to message us your information privately, I would be happy to launch an investigation into your file and help resolve this issue. Please email us at cs@creditinnovationgroup.com ATTN: ELISE in the subject line.

Feb. 13th, 2021

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Tsjc20 Toledo, OH

Liars and scam artists!! Told me they had investors, when they didn't and they now can't find the audio where it was discussed a HUNDRED times. !! Run run as far as you can, don't trust the credit innovation man!! Seriously!! There are free credit places out there I KNEW which I told them that I knew how to fix my credit I just didn't have the money and they told me they would get me into a house! They had investors and I didn't need to worry just get my credit card debt down....ugh....if only I read the reviews and didn't let Tyler and the group trick me!!!

1 year ago

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Reply from Credit Innovation Group

Hello Tabatha,
As previously discussed in our email with you, Credit Innovation Group does not work with investors and at no time during your conversations with us or in any correspondence between us, was it mentioned that we do. We work with people to improve their credit profile and we have preferred lenders who we refer customers to when they are ready to move forward with getting a mortgage. We take these claims very seriously and investigated each interaction between you and our company and found nothing to substantiate your claims. As you can see in our other reviews, when things are found to be substantiated, we address them internally and recognize the issue. During your time with us we met all contractual obligations and you did have positive results. We have tried to explain what is holding you back and what you need to do to get your credit profile in a situation where one of our preferred lenders would be willing to work with you, however you continue to tell us you already know about it and dismiss it. Our program has helped thousands of people get into a home, but Credit Innovation Group can not do it on their own. You have to do you part, while we do ours. We wish you all the best.

Jun. 13th, 2023

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Sanborn Holmes WA

Six month's is not what it takes I've been with them one year and two months still haven't got the help i thought i would get!! The only thing i see they have done is took a few inquiries off my report i was denied on my first attempt of getting a home loan, I've had 4 specialists it's harder than hell to get a same day response sometimes it would take a week or more!!! Do some research on otjer companies before picking C.I.G

2 years ago

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Reply from Credit Innovation Group

Hello, we are sorry to hear about your troubles with your specialist. Our records indicate that you were very successful with our program and that you were referred to a lender but something happened that was non-credit related. We have addressed the communication issues with your specialist and he stated that you have talked and that you are satisfied with our services at this time. If you would like to discuss this further please reach out to us at cx@creditinnovationgroup.com.

May. 2nd, 2022

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Howard Posner Mesa, AZ

They conned me into joining when I was looking into purchasing a home. In the month that I agreed I have left 5 messages, sent 4 emails and 4 text messages and have not received one reply. I have no idea if there are even any real people "working" for this company. I cant even get ahold of anyone to cancel what membership I am stuck in so I just blocked them at my bank. Maybe they are good, maybe not, but I have no use for any company that takes your money and will not communicate with you.

2 years ago

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Reply from Credit Innovation Group

Hello Howard,
We have tried to contact you regarding your file and have been unable to reach you. Your file is cancelled as per your request and we would love to investigate what number you are calling as our records indicate that you reached our CS and that Isaac called you back the one time that you called us. We aim to provide positive experiences at all times and apologize for any inconvenience you have experienced while trying to reach us. Please email us at cx@creditinnovationgroup.com with the number you were dialing so that we can ensure the line is working properly and correct any issues. Thank you for bringing this to our attention. We hope to hear from you soon.

Mar. 25th, 2022

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Tristan Hall Buffalo, NY

SCAMMERS! DO NOT GIVE THESE PEOPLE YOUR MONEY, I HAVE BEEN CALLING FOR WEEKS, DIFFRENT TIMES NO ANSWER FROM ANYONE! ANYTIME I GET AN EMAIL ITS ABOUT SPENDING MORE MONEY ON SERVICES CONNECTED TO THEM! PLEASE ISSUE ME MY FULL REFUND, OR I WILL CONTINUE TO TAKE LEGAL ACTION YOU! AGAIN, IVE BEEN THROUGH 4/5 SPECIALIST, AND NOTHING HAS BEEN WORKING OR HELPING, EXCERPT WHEN ITS TIME TO PAY, THAT WHEN YOU GET A PHONE CALL. CREDIT INNOVATION GROUP ADVISE ON WHAT THE SOLUTION WILL BE. Tristan

3 years ago

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Reply from Credit Innovation Group

Hi, Tristan. At Credit Innovation Group, we aim to provide positive experiences at all times. We investigated your file and determined that your specialist was changed at your request and that we have been trying to work with your financial needs to the best of our ability. After speaking with you, our team was able to resolve your complaint to your satisfaction. If you have any further questions or concerns please reach out to us at cx@creditinnovationgroup.com or Direct message us again through Facebook.

Aug. 27th, 2021

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Raymond Serrano Clermont, FL

Worst customer service. At first they talk all nice. Then I called to cancel and This guy name Brandon, got mad and disrespectful. Saying this why I don’t help fake people. Two weeks later they still took the money out of my account after I had cancelled before they was supposed to take the money out

2 years ago

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Reply from Credit Innovation Group

Hello, at CIG we aim for positive experiences at all times and apologize if we fell short with your interactions with us. I have looked into this and your file was cancelled out as requested. However it looks like there was a file that shared a payment method with yours that was not cancelled. This is why the payment came out of your account. We have since refunded you the payment and apologize for any inconvenience. We have also addressed your concerns regarding your interaction with the specialist and he is no longer with the company. Thank you for bringing this to our attention.

Jul. 7th, 2022

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Renee Lewis Charlotte, NC

Nobody takes into consideration how this actually could hurt financially and you can cancel and they still take your money,I personally think this should not be allowed

2 years ago

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Reply from Credit Innovation Group

Hi Renee, building credit is a journey and does take investing into your future. We strive to provide positive experiences and outline our payment terms in our written agreements as well as discuss them multiple times when members sign up. We aim to be as transparent as possible when it comes to the payment terms. CIG is not allowed to charge customers before work is completed on their behalf, which means, that if you called to cancel the day before your payment is owed, you would still owe that payment because work was already done by us. We would love to look into your situation and investigate your file, however, there are not files under the name on this review. If you would like to discuss your file further please reach out to us at cx@creditinnovationgroup.com.

May. 2nd, 2022

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Tomika W Washington, DC

Kathleen G. is perfect. 10 stars!!!

3 years ago Edited September 14, 2021

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Matome Makgothokgo Polokwane, LP

am a member at innovation group concerning motor plan wherein the company charge me double in my policy .

3 years ago

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Reply from Credit Innovation Group

Hello, we are unable to locate a file matching your name and we do not have any "motor plans". We aim to provide positive experiences at all times and would love to assist you. Please contact us at 1-877-226-9442 or email us at cx@creditinnovationgroup.com.

Oct. 11th, 2021

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David West Amelia, OH

Then there are going on 8 months and one deletion

3 years ago

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Reply from Credit Innovation Group

Hello, David. Thank you for bringing this to our attention. Here at CIG we take great care to provide a positive customer experience at all times. We are sorry to hear that your expectations have not been met. I have reviewed your file and found that our records show different results and do show that you have had more positive improvements to your credit profile then posted in this review. Our program is designed to do more than just remove incorrect items from your reports. We aim to teach our members how to build and leverage their credit as well so that they may accomplish their goals. It is important to remember that just removing incorrect items will not always help you accomplish your credit goals. Also, anytime an inquiry is made or a new account is added, there is a chance that your score will decrease. I have asked your specialist to reach out to you to discuss your specific profile and we hope to earn a higher rating from you in the future.

Jul. 20th, 2021