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Credit Repair Companies

All You Need to Know With Pros & Cons



We now live in a world where having a good credit score is of utmost importance. While obvious factors such as the ability to get a mortgage, apply for a loan or even obtain a cell phone plan are still pertinent, the phenomenon is now at the point where some employers are running credit checks on potential employees.

With that being said, even the slightest default can have a long-lasting detrimental effect on your overall credit score. So what do you do if you need to repair bad credit? This is where credit repair entities such as Lexington Law come in to place.

If you’re looking for professional guidance on improving negative marks on your report, then we are going to explore whether or not Lexington Law are a notable option.

We’ll discuss who the company is, what they offer, how much they charge and more. By the end of reading our Lexington Law review, you’ll be able to determine whether they are right credit repair agency for you.

Before we delve in to the fundamentals, let’s quickly explore what credit repair actually means.

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What is a Credit Repair and How Does it Work?

As the underlying service offered by Lexington Law is credit repair, it is well worth discussing how such a mechanism works. In its most basic form, credit repair refers to the process of repairing a credit score of poor standing.

It is important to note that the sole purpose of the credit repair process is to look for derogatory marks against your name, and thus, ascertain if and how this can be improved. This can include a number of adverse marks, such as defaults, charge-offs and in more severe cases, bankruptcies.

In order to improve your overall score, credit repair companies will likely need to negotiate with creditors on your behalf. On the other hand, there may be marks on your credit report that you believe have been made in error. If this is the case, the credit repair agency will dispute this directly with the organization in question.

A somewhat unconventional approach that some credit repair agencies also take is to get you to obtain new lines of credit, such as an overdraft or low-limit credit card, with the view of re-building a healthy score. Take note, if your credit rating is already showing signs of strain, you might be best to avoid this option.

Free Credit Repair

Get a Free Credit Repair Consultation

This is because applying for too many credit-based products can actually have an even more detrimental effect on your score. Nevertheless, if the credit repair agency in question are good at what they do, then they should be fully aware of this anyway.

Ultimately, it should be recognized that much of what credit repair agencies do can actually be done yourself. This is especially pertinent if you are looking to challenge marks that have been made in error. However, in more complex situations, you might be best utilizing the legal and financial expertise of a credit repair company.

So now that you have a firm grasp of what credit repair actually is, let’s take a closer look at who Lexington Law is.

Who is Lexington Law?

Lexington Law is a credit repair agency that were first launched in 1991. As such, this makes them highly established in the field of credit repair. Based in North Salt Lake, Utah, Lexington Law claim to have assisted more than 500,000 customers with their credit score endeavours.

In order to achieve their goals, Lexington Law utilize the services of more than 24 licensed lawyers, who are based across 19 different U.S. states.

In the vast majority of cases, customers use Lexington Law with the view of improving their credit score before applying for a mortgage.  Outside of of the mortgage finance sphere, the company is also engaged in advice related to student loans, identity theft and divorce.

About Lexington Law

One of the strongest selling points from the perspective of Lexington Law is that they are not only a fully-fledged law firm, but their primarily specialism is that of credit law. This is of huge importance, not least because other companies from within the credit repair space often do not employ qualified lawyers, nor anyone licensed to give legal advice on credit.

Moreover, and as we will discuss in more detail further down, Lexington Law is also one of the cheapest credit repair agencies in the industry. Add this on top of the fact that you’ll likely be able to obtain a free consultation, some of the services offered by Lexington Law are of good value. On the other hand, although Lexington Law are better priced than many of their competitors, using a credit repair agency is not cheap.

So now that you have a good idea as to who the credit repair firm is, in the next part of our Lexington Law review we are going to explore their services in more detail.

What Credit Repair Services do Lexington Law Offer?

In a nutshell, Lexington Law offer four individual credit repair services, each of which come with their own costing levels. The service tier that you decide to sign-up for will ultimately depend on how extensive you need to credit repair to be.

Let’s break these down further.

Lex OnTrack – $24.95 per Month

If you’re looking for the absolute basic of credit repair services, then you might want to consider Lex OnTrack. You’ll pay a fee of $24.95 per month for this, and you’ll need to call the team directly if this is the option you’re looking for.

In reality, the Lex OnTrack service is only really suitable for those that need to budge their credit score by a smudging. This is likely to include minor defaults or simple clear-cut errors. Anything more than this and you’ll need to think about another plan.

Concord Standard – $89.95 per Month

The next service tier up from within the Lexington Law product range is that of Concord Standard. This works out at $89.95 per month, which is a considerable jump up from the $24.95 Lex OnTrack plan. According to the Lexington Law package page, the “Concord Standard service level covers the essentials of ethical credit report repair.”

In layman terms, this means that the team of legal practitioners at Lexington Law will make direct contact with both credit bureaus and creditors, with the view of getting your overall credit report in-line.

Concord Premier – $109.95 per Month

Next up in the Lexington Law service tier is the Concord Premier plan. As one would expect, this comes at a higher price, which amounts to $109.95 per month.

This particular service takes things to the next level, subsequently adding additional methods to resolve your credit problems. On top of the credit bureau challenges and credit intervention services available within the Concord Standard plan, you’ll also get inquiry assist, score analysis, report watch and TransUnion alerts.

  • Inquiry assist: This provides Concord Premier subscribers with the tools required to challenge unfair credit score damage. This is usually the case when adverse footprints are left when creditors check your report.
  • Score analysis: This is a highly advanced personalized credit report based on five key factors. You’ll receive this each and every month during your Concord Premier subscription.
  • Report watch: The report watch feature is a useful service that allows you to receive direct training on how to evaluate and resolve adverse credit report changes as and when they materialize.
  • TransUnion alerts: This particular service sees Lexington Law monitor your credit on a daily basis via TransUnion. You’ll receive real-time updates in the form of an email or text message, should anything notable occur.

PremierPlus – $129.95 per Month

If you’re looking for the full 360 degree credit repair service from Lexington Law, then you’ll need to stump up a whopping $129.95 per month for the PremierPlus plan.

Although at first glance this does seem somewhat expensive, you need to ask yourself what you are looking to get out of the credit repair process. If you need to increase your score quite considerably in order to obtain a mortgage, then you might need the full works.

On top of getting all of the services offered via the Concord Standard and Concord Premier tiers, you’ll also get access to cease and desist assistance, FICO Score Tracker, identity protection and personal finance tools.

  • Cease and desist assistance: For those unaware, a cease and desist letter is a legal document sent to either an individual or company with the view of stopping certain actions.In the case of credit repair, this would normally seek to stop creditors or debt collection agencies from making contact to the debtor. If you’re subscribed to the top-tier plan, Lexington Law will initiate this on your behalf.
  • FICO Score Tracker: FICO is one of the most important credit score frameworks, not least because more than 90% of U.S. lenders use it. Lexington Law will track your FICO score for you, and notify you of any notable changes.
  • Identity protection: The identity protection feature is potentially one of the best add-ons from the premium plan. This ensures that Lexington Law guard your identity 24/7.
  • Personal finance tools: This allows you to check your outstanding finance accounts from within the Lexington Law portal.



Apart from the Lex OnTrack package, which must be obtained by calling Lexington Law directly, you can sign-up to all of the service levels online.

In terms of payment methods, you can either pay by credit card or automated draft via your standard checking account. The monthly rates are charged to your chosen payment method from between 5 and 15 days after you sign-up. After this, you’ll be charged every 30 days.

If you decide that you want to cancel your Lexington Law subscription, you can do this at any time. Take note, if you cancel during a billing month, you’ll be charged a final payment for the services already performed.

The fact that you can utilize the services of Lexington Law on a month-by-month basis is definitely a plus-point, as some providers lock you into longer subscription plans that cannot be cancelled early.

So now that we’ve covered the main service plans offered by Lexington Law, let’s take a closer look at some of the negative credit report marks they might be able to help with.

What Negative Credit Report Marks can Lexington Help Repair?

In the vast majority of cases, credit repair providers such as Lexington Law are best suited for standard defaults or missed payments. This can come in in a number of different manners, however the important thing to note is that a single missed payment can instantaneously have a detrimental affect on your score.

One such example of this is something as simple as a missed cell phone payment. Although the amounts in question are likely to be minute, in the eyes of credit bureau agencies this indicates that you did not honour your credit agreement. In fact, if left untreated, such a default can stay on your credit report for up to 7 years.

The next level up from a missed payment or default is a charge-off. This is where a creditor will make a declaration that the debtor is unlikely to meet their dues, and this is usually the case after 6 months without a single payment.

Bad Credit

Charge-offs are significantly more severe than a single missed payment, not least because it indicates that the debtor has a problem meeting their credit obligations.

When it comes to student loans, a missed payment can have serious effects on your credit score if you fail to make a payment within 90 days, or 30 days for a private loan. If you fail to make a federal student loan payment for 270 days, then this is classed as a default.

In terms of mortgage payments, if the consequence of prolonged defaults results in a foreclosure, then creditors will be able to see this on your report for up to 7 years.

Ultimately, many of the more serious credit defaults on your report will require significantly more attention than a minor missed payment.

So now that you know the types of negative marks that Lexington Law will strive to repair, in the next part of our review we are going to review the standard four step plan executed by the firm.

How Does Lexington Law Repair my Credit?

When you sign up to Lexington Law, there is a standard process that the credit repair agency take. Take note, some of the services outlined below are only available for higher tiers.

  1. Case Intake Once you first sign-up, Lexington Law will initially obtain your full credit reports from the three major bureaus. Notably, this includes Equifax, TransUnion and Experian. This will allow the team at Lexington Law to assess your individual case, and determine which steps need to be taken next.
  2. Legal Action Once the Lexington Law paralegals have reviewed your credit reports, they’ll then begin to make contact with your respective credit bureaus and creditors. This will see the team target specific marks that have been made on your report.
  3. Credit Score Analysis Once the initial legal action process has been initiated, those that have signed up for the Concord Premier or above plans will have their credit scores analysed each and every month.

The team will look out for any potential improvements that can be made, with the view of repairing your score on an ongoing basis. Moreover, you also have the option of contacting the paralegal team at Lexington Law for further credit repair-related assistance, training and tips.

  1. Follow-up and EscalationThis is potentially one of the most important steps to the Lexington Law service plan, as it sees their team take legal proceedings to a federal level.

This is likely to be in the event that a creditor or credit bureau has refused to take a specific action relevant to your score, and thus, Lexington Law will take the required legal steps for resolution.

Credit Repair Service

Does Lexington Law Work? Is it Worth the Money?

This is potentially one of the most difficult questions to answer, as there really is no one-size-fits-all approach to credit repair. First and foremost, it is important to note that there are never any guarantees that Lexington Law will be able to achieve the results you are looking for.

This viewpoint is clarified by Lexington Law themselves, who state that:

“It is important to understand there are no guarantees involved with legal services. It is just like in a court of law where an attorney could never guarantee a client that the judge or jury would find in their favor.”

This indicates that Lexington Law are very upfront about what it is they can do. While they are confident in their 27+ years experience in the credit repair industry, they make it clear that they cannot offer any guarantees.

In terms of the fundamentals, Lexington Law claim to remove an average of 10.2 negative marks per client over the course of 4 months. This covers all three credit bureau reports.

Ultimately, although it is difficult to assess whether the Lexington Law paralegal team are going to be able to repair your credit until they look at your reports, it might be best to explore some unbiased testimonials that are available in the public domain. some

This will allow you understand some of the results that Lexington Law have successfully achieved.

How it Works

Lexington Law Testimonials: What Have They Achieved?

When you access the main Lexington Law platform, the website has a dedicated testimonial section. This contains details of how the firm have serviced specific clients, and subsequently helped them improve their credit report.

However, although Lexington Law are a highly established company with a long-standing reputation in the credit repair space, it is always best to obtain testimonials available within the public domain. This ensures that you are able to obtain an impartial and unbiased viewpoints.

One of the best sources in this respect is the likes of Consumer Affairs. The website contains more than 1,300 reviews on the services offered by Lexington Law, which is an excellent mechanism to gauge the general consensus.

Quite a lot of the reviewers talk about a mismanagement of credit in their early 20s, however this is something Lexington Law were able to see to. Moreover, a lot of clients express their delight that Lexington Law were able to improve their credit scores within just a couple of months.

Ultimately, although the general consensus is that Lexington Law are capable of producing some notable results, once again there is no guarantee that they will be able to repair your credit. This is because each and every case is unique.


In conclusion, if you’re looking for a credit repair agency that is able to fix adverse marks on your credit report, then Lexington Law are a noteworthy contender. The fundamental benefit to using Lexington Law is that they are not only a fully licensed law firm, but their specific area of expertise is in credit law.

This is huge in the credit repair space, not least because a lot of agencies do not have the required legal training to provide you with what you are looking to achieve.

One the one hand, prices are now cheap at Lexington Law. Excluding the Lex OnTrack plan, which doesn’t really offer anything of value, the minimum monthly charge that you’ll be looking at is $89.95.

Moreover, if you want the full works, which you might need if your credit score is really adverse, then you’ll likely need to go for the top tier package at $129.95 per month.

However, on the other hand, having a good credit score is absolutely crucial in the modern world. This is especially true if you are looking to get on the property ladder and you’re staring at a negative score.

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Lexington Law


  • Free Credit Report Evaluation
  • 28 Years Experience
  • No Contract – Cancel when you Want
  • Experienced legal staff
  • Can vastly improve Credit Scores


  • Price Tiers can be confusing
  • Not a quick fix
  • Extra charge for additional credit reports


Editorial Disclaimer: Opinions expressed here are the author’s alone, not those of any bank or credit card issuer and have not been reviewed, approved or otherwise endorsed by any of these entities.

Disclaimer: The responses below are not provided or commissioned by the bank advertiser. Responses have not been reviewed, approved or otherwise endorsed by the bank advertiser. It is not the bank advertiser’s responsibility to ensure all posts and/or questions are answered.

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Credit Repair Companies

USA Credit Repair Review



Consumers looking into credit repair companies are faced with many different options, some better than others. USA Credit Repair falls short of meeting our standards in several areas, including quality of services, pricing structure, and sales practices. Our review breaks down these red flags and more to help you make the most informed decision when approaching credit repair.

Pros Explained

  • Free consultation: Get a credit repair consultation before deciding if you want to commit to services.
  • Offers an accelerated service: If you’re in a rush, you can pay for faster results.
  • Cancel anytime: USA Credit Repair doesn’t lock customers in with long-term contracts.
  • Online portal: Track your progress via a convenient account management portal.

Cons Explained

  • Misleading claims: USA Credit Repair makes several claims regarding fees and guaranteed results that could easily mislead customers.
  • Lack of pricing transparency: The company fails to disclose pricing online, forcing you to talk to a sales agent to get a quote.
  • Website difficult to navigate: It’s hard to find the information you need on USA Credit Repair’s website.
  • No educational resources: We typically like to see credit repair companies provide value with free educational materials, but USA Credit Repair doesn’t make these available.
  • Doesn’t offer a money-back guarantee: USA Credit Repair promises results within the first 30 days but doesn’t back this claim up with any type of financial guarantee.

Types of Services

USA Credit Repair’s services are limited to the bare minimum typically required of a credit repair company. There are no clearly defined service packages, just a single membership option with few opportunities for customization.

Credit report analysis

The first step in USA Credit Repair’s process is a credit report analysis. A credit expert reviews your credit reports in depth, looking for negative items bringing down your score. Each item is carefully examined to determine whether you might have grounds to dispute it with the credit bureau.

Credit disputes

If USA Credit Repair identifies items in your credit reports that are inaccurate, they’ll contact the credit bureaus on your behalf to initiate the dispute process. This includes filing appeals if a dispute is initially denied.

If you believe a credit reporting error comes from the lender’s side, you can also have USA Credit Repair send a validation request to ask for proof that the debt is legitimate. Finally, the company handles goodwill interventions, which can be an option for a small number of people with a single negative mark but overall good credit. If the item is accurate but an anomaly on your report, you may be able to have it removed just by showing an otherwise positive payment history.

Optional Add-ons

Credit repair companies sometimes sell add-ons to their core packages for an extra fee. For example, they may offer credit monitoring or identity theft protection to be used in tandem with their credit repair services. USA Credit Repair doesn’t make any of these available, although it does provide one optional service to speed up the credit repair process.

Accelerated program

Unexpected credit reporting errors can hold up time-sensitive processes such as applying for a mortgage. If you’re on a tight schedule, USA Credit Repair’s accelerated program provides faster results for an additional upfront fee. However, the company doesn’t say exactly how much more efficient its accelerated program is compared to standard service. Without any guarantees, it’s hard to say whether this add-on is even worth it.

Customer Service

Like most credit repair companies, USA Credit Repair stays in touch with customers via phone and email. Operating hours are somewhat limited, from 9 a.m. until 6 p.m. EST. The company also hosts an online portal where customers can log in and check the status of their credit repair case 24/7.

Each customer is assigned a dedicated case representative who oversees their entire credit repair process from start to finish. While this is fairly common, not every company does it and it makes a big difference in the overall customer experience. With a designated case manager, you’ll always have someone to talk to who is familiar with your specific situation.

Company Reputation

USA Credit Repair’s reputation among customers is mixed. To the company’s credit, it has no complaints registered with the Consumer Financial Protection Bureau, which keeps a record of customer-reported issues related to poor business practices and potential legal violations. It also has an average 4-star rating on Google with mixed positive and negative reviews.

However, USA Credit Repair has an F rating with the Better Business Bureau and a pile of concerning complaints. Many former customers claim that they were charged hundreds of dollars in advance for services that failed to produce results. There are also reports of harassing phone calls after discontinuing services with the company.

Just because a company doesn’t have any complaints with the Consumer Financial Protection Bureau doesn’t make it automatically trustworthy. Most consumers don’t know about the CFPB complaint database, and it’s not uncommon for smaller companies like USA Credit Repair to have no complaints. In addition to vetting companies through the CFPB database, you should also look at other resources like the Federal Trade Commission, the Better Business Bureau, and Google Reviews.

If you have a complaint about the services of a credit repair company, you can file a complaint with the FTC or call 877-FTC-HELP.

Contract Duration

On its website, USA Credit Repair advertises that it has no contracts and offers a “month to month” service that customers can cancel anytime. But according to testimonials from former clients, this isn’t exactly the whole truth. Many customer complaints allege that company representatives convinced them to pay for multiple months ahead of time in one lump sum, typically in three-month quantities. Although this may not technically be considered a long-term contract, it’s a problematic practice, to say the least.


Our most pressing concern while reviewing USA Credit Repair was its pricing structure. First and foremost, the company doesn’t disclose its prices online. This is typically a red flag, as it forces customers to talk to a sales representative just to get a quote, which opens up opportunities for pitfalls. Pricing may vary by individual and plan, although according to the information we received and reports from customers, base pricing is around $99 per month.

With that said, an overwhelming number of former customers claim that they were charged upward of $300 in advance for multiple months of service. This typically appears to happen after the customer calls in and is convinced by a company representative that their credit repair case will take a certain number of months to resolve. Those who enroll in the accelerated program can expect to pay an additional $350 fee on top of regular service charges.

USA Credit Repair also publishes some misleading information on its website regarding its fee structure. The company advertises no upfront fees, but this is a moot point since the Credit Repair Organizations Act makes it against the law for credit repair companies to collect payment before services have been rendered. To make things worse, hidden in the website’s fine print is a disclaimer that states “an initial setup work fee will be charged within the first week or once initial work is completed.”

One other item we found missing was a discount for couples. It’s fairly standard for credit repair companies to give couples a break on fees when signing up since their reports share much of the same information. With USA Credit Repair, couples have to pay full price for two individual memberships.

The one silver lining is that USA Credit Repair’s initial consultation is free. Not every credit repair company does this. A free consultation is a good opportunity to ask the company hard questions about whether any items stand out on your report as potential errors. If the representative is unable to point to any legitimate mistakes, credit repair may not be necessary for you.

Remember that credit repair companies can’t work magic. If all the information on your credit report is accurate and there are no errors to dispute, you’ll only be able to improve your credit by keeping debt low and making consistent on-time payments.

The Competition: USA Credit Repair vs. CreditNerds

To see if USA Credit Repair was worth the $99 monthly fee, we compared it to CreditNerds, a competitor that offers free basic credit repair. Instead of collecting fees from its customers, CreditNerds makes money by referring clients to affiliate partners.

We were unable to find anything significant in USA Credit Repair’s service offering that wasn’t available through the free CreditNerds plan. If that wasn’t enough, CreditNerds provides some of the most advanced educational tools in the industry—also without charging a dime. CreditNerds gives USA Credit Repair a run for its money and is absolutely worth considering before you sign up for a paid plan.

  USA Credit Repair CreditNerds
Year Founded 2004 2007
Services Offered Credit repair Credit repair, funding
Customer Service Touchpoints Phone, email, client portal Phone, email, client portal
Upfront Fee $99.00 $0
Monthly Fee $99.00 $0


Overall, we aren’t impressed with USA Credit Repair’s limited services, especially given the company’s relatively high fee of $99 per month. Several competitors offer complete service packages at significantly lower prices, many of which take a more effective approach that includes credit education and long-term financial planning. Even if USA Credit Repair did provide better value, the company’s advertising practices and lack of transparency make us concerned that customers could easily be misled and fall into traps.

How We Review Credit Repair Companies

Since the credit repair industry is well-known for leading consumers astray, we take a highly critical approach to reviewing companies. Our scoring system analyzes quality of services and pricing, comparing them to industry standards and best practices. We look at each company’s marketing language and flag any misleading terminology. We also give higher scores to companies that provide educational materials to help customers achieve long-term financial success.

Learn more: Read our full Credit Repair Review Methodology here.

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Credit Repair Companies Credit Repair Review



One of the most well-known credit repair companies, has been helping consumers address credit disputes since the late 1990s. But just because a credit repair company has spent decades in business doesn’t mean it offers the best services. While has a competitive range of plans, there are also a few red flags you should know about before you decide to enroll in credit repair services.

Pros Explained

  • Offers a free credit evaluation: Get a free online credit snapshot that includes your credit score, a summary of the negative items on your report, and suggestions for how to address them.
  • Choose from three service levels: offers options for basic, moderate, or aggressive credit repair based on your needs.
  • Robust educational library: Even non-customers can take advantage of the free credit information, videos, and interactive calculators at
  • Mobile app available: Download the free mobile app to track your progress and get alerts.
  • Option for in-house credit monitoring: Two of’s three service packages include ongoing credit monitoring and alerts.

Cons Explained

  • Poor customer reviews: gets consistently poor feedback across multiple review sources.
  • Lacks full pricing transparency: Pricing isn’t disclosed up front on’s website, and you need to watch out for hidden fees.
  • Limited monthly disputes: Depending on the plan you choose, you’ll only get 15 to 19 disputes per month.
  • Not available in all locations: may be unable to offer services in your area of residence due to lack of local legal representation. Unfortunately, the company doesn’t disclose its service areas; you’ll have to enter your address to find out.
  • No money-back guarantee: Many competitors offer a refund if they aren’t able to remove any items from your report, but doesn’t have a similar policy.

Types of Services offers three service packages with tiered levels of service. These are designed with the idea that not all customers need the same level of support in repairing their credit; some may just have one or two errors to be corrected while others are in need of a complete overhaul. This allows customers to save money by not paying for services they aren’t likely to ever use.

Direct Plan

The entry-level Direct Plan is the one most suited for individuals with an overall decent credit history, but who could benefit from correcting a small number of errors on their report. The plan comes with up to 15 disputes per month (five per credit bureau), a quarterly credit score update, and access to customer service as needed. However, will not dispute inaccurate hard inquiries on your report with this plan.

Standard Plan

The next step up is the Standard Plan. This package includes the same number of monthly credit disputes and credit score checks, but adds a few features useful to those with more extensive credit repair needs. In addition to your quarterly credit score, you’ll also get a personalized analysis as to what has changed and what could still be improved. Ongoing credit monitoring is included with alerts sent anytime there is a significant change. will also dispute hard inquiries on your behalf.

Advanced Plan

If you have extremely poor credit and need improvements that go beyond disputing inaccurate information, the Advanced Plan may be more suited to your needs. The package includes roughly the same credit repair benefits as the Standard Plan, although you’ll get 19 disputes per month instead of 15. However, the plan also comes with $1 million in identity theft insurance and access to personal finance tracking tools to help you better manage your open credit accounts.

Service Direct Plan Standard Plan Advanced Plan
Monthly items disputed 19 15 15
Credit score checked Monthly Quarterly Quarterly
Credit score analysis Monthly Quarterly  
Customer support
Credit monitoring  
Hard inquiry disputes  
Identity theft insurance    
Credit account management tool    

Optional Add-ons

Between’s three tailored plans, there isn’t much need for add-on services. With that said, the company does sell one optional extra that can be tacked onto any package.  

Quickstart Service

If you’ve just discovered errors in your credit report while in the process of a major financial event (such as applying for a mortgage), you’re probably on a tight schedule to correct the issue.’s Quickstart service charges a small one-time fee to automatically retrieve your TransUnion credit report from partner site and load it into their system. This can save a bit of time as won’t have to wait to start looking through your report.

Pay close attention as you’re completing the checkout process on The company automatically checks the box selecting Quickstart, and unless you uncheck it, you’ll be charged an extra $14.99 for a service that you may not want or need.

Customer Service’s main customer service touchpoints are via email and phone, the latter of which is operated Monday through Friday from 6:00 a.m. until 10:00 p.m. MST.

Customers can also download a mobile app for easier access to their account dashboard and credit score tracker. The app is available for both iOS and Android and gets generally positive reviews with at least four-star ratings in both app stores.

Company Reputation

From an objective standpoint,’s services appear to offer good value with a broad range of services. Unfortunately, however, many customers seem to disagree. The company has a D rating from the Better Business Bureau, 62 complaints in the past three years, and a three-star average rating.

More worrisome is that has been the subject of 16 complaints with the Consumer Financial Protection Bureau in the past three years and was even sued by the agency in 2019. According to the lawsuit, and a competitor owned by the same holding company, Lexington Law, both violated telemarketing laws and charged illegal credit repair fees before any service had been rendered. This violates the Credit Repair Organizations Act, which states credit repair companies cannot collect payment before providing their services.

If you have a complaint about the services of a credit repair company, you can file a complaint with the FTC or call 877-FTC-HELP.

Contract Duration

None of’s service plans are subject to contracts, meaning you can cancel anytime without penalty. According to the company, most customers need to pay membership fees for an average of six months to see results.

Cost prices its services according to the table below, with fees ranging between $69.95 and $119.95 per month depending on the plan you choose. Those who select the Quickstart service will incur an additional one-time fee of $14.99.

  Direct Plan Standard Plan Advanced Plan
Monthly fee $69.95 $99.95 $119.95

To stay in compliance with the Credit Repair Organizations Act, calls its first month of membership fees a “first work fee”. This is because credit repair companies aren’t allowed to start charging monthly fees until they’ve already begun performing work. From a practical standpoint, this doesn’t change anything for the consumer, but it’s something to be aware of as you’re signing up for credit repair.

The Competition: vs. The Credit Pros

No two credit repair services are the same. To gauge how stacks up against the competition, we pitted it against The Credit Pros. Both companies charge similar monthly fees for their entry-level plans, although The Credit Pros’ most premium plan is pricier than’s most expensive option. The Credit Pros also charges a significant upfront fee whereas has none.

While The Credit Pros is higher in price, we find the difference justified. All packages include credit monitoring and identity theft protection, items only offers with higher-tier plans. The Credit Pros will also submit unlimited disputes on your behalf, while places a cap on the number of disputes per month at each of its service levels. Finally, The Credit Pros offers financial management tools to all of its credit repair customers that doesn’t match. These include bill payment reminders, a budgeting system, and automatic syncing with your open accounts. The Credit Pros
Year Founded 1997 2009
Services Offered Credit repair, monitoring, identity theft protection Credit repair, monitoring, identity theft protection, financial planning
Customer Service Touchpoints Phone, email, mobile app Phone, email, client portal
Upfront Fee $0 $119.00 to $149.00
Monthly Fee $69.95 to $119.95 $69.00 to $149.00


Looking at’s plans and services, they seem to provide much better value than competitors, especially considering the inclusion of credit monitoring and identity theft protection with premium packages. However, we’re highly concerned with the volume of customer complaints and’s history of facing legislation from the Consumer Financial Protection Bureau. It’s best to proceed with caution with this company.

How We Review Credit Repair Companies

We assess a variety of factors to review credit repair companies, using a quantitative scoring system to assign each a total score out of five possible points. Our method looks at the services offered by each company, including the number and variety of plans available and their value in terms of pricing. We also look at each company’s reputation among customers and with third-party agencies such as the Consumer Financial Protection Bureau. Finally, we walk through the customer purchasing experience to see what you can expect if you decide to enroll in credit monitoring services.

Learn more: Read our full Credit Repair Review Methodology here.

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Credit Repair Companies

ADR Financial Group makes its name as one of The Best Credit Repair Companies in the USA



Your credit score plays a vital role when it comes to buying a car, purchasing a home or obtaining a loan for any other purpose like starting a business. In cases where you have a lower credit score, these purchases may become unrealistic and impossible to achieve. It may result in having to pay higher interest rates or putting down a large down payment. Having negative marks on your credit report will hamper your creditworthiness which is why it is important to stay on top of your finances. 

Within a short period of time, ADR Financial Group quickly raised to the top as one of the best credit repair companies in the United States. Founded by Alexis (“Lex”) DeWitt and Ratiq (“Rocky”) DeWitt, ADR Financial Group is based in Charlotte, North Carolina. ADR Financial  Group is dedicatedly assisting their  its clients with the removal of inaccurate, erroneous, and unverifiable accounts on their credit report. With a mission to deliver a clean credit profile to its their clients, ADR Financial Group also educates their clients on how to achieve the highest credit scores during restoration. 

ADR Financial  Group is not your typically credit repair company.  What separates ADR apart from all, is the fact that their program is personalized to fit their client needs,  rather than providing a generic procedure for all. Although credit is an important aspect of life it is not taught in schools or institutions. This is the sole reason behind the establishment of ADR Financial Group. Over the years, ADR helped many of their clients reach their financial goals . Till date, ADR has helped more than 700 families purchase their dream home, removed more than $17 million of debt from credit reports and deleted over 72,000 negative accounts.

Some of the services offered by the company are Full-Service Credit repair, DIY Credit Repair, Tradelines, Credit Education, Business Credit and Credit Monitoring. Moreover, ADR also teaches other entrepreneurs how to start their own credit repair company to help change lives. Check out their website if you’re interested in their services. 

In the next 5 years, the company plans to be a pioneer for all those who find difficulty in purchasing their homes. ADRs target is to help 5000 families in building a home of their dreams. Besides this, ADR plans to make financial literacy a topic of discussion in many schools and households. ADR is making a significant impact in urban 

(Syndicated press content)

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