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Look on many credit repair companies’ websites and you’ll find fees that far exceed $100 per month for services that simply aren’t worth the cost. Enter This company offers one of the most affordable credit repair plans in the industry, with a flat monthly fee of $49.99 for unlimited credit disputes and interventions. So what’s the catch? We took a deep dive into’s services to find out if there is one.

Pros Explained

Cons Explained

Types of Services streamlines its credit repair solutions into a single plan. The package includes a fairly standard number of services split into two areas: credit disputes and creditor interventions. All of the services are provided in unlimited quantities per month, a step up from many competitors who put a cap on the number of disputes they’ll send with every billing cycle.

Credit Disputes

When you first sign up with, the company will assign a licensed attorney to review your credit reports and look for potential errors. They’ll then begin sending disputes to the credit bureaus on your behalf to request that the incorrect items be changed or removed. This includes credit account details, hard inquiries, and your personal information such as your name and your address.

Creditor Interventions

While not every customer needs them, also offers unlimited creditor interventions with their monthly service fees. This refers to a range of requests the company might send to lenders or collections agencies asking that they make changes on their end. Goodwill letters, debt validation requests, and cease and desist notices are all included.

Many credit repair companies advertise debt validation and cease and desist letters as part of their services, but few explain the potential negative ramifications of pursuing these actions. While both are useful if you’re dealing with a debt you believe to be erroneous, you should use them sparingly. Both may cause lenders to pursue more aggressive action against you (including legal action) if they believe you’ll try to evade the debt.

Optional Add-Ons

While some credit repair companies let you customize services, doesn’t offer any extras outside of its core package. Unfortunately, you won’t be able to purchase add-ons like credit monitoring directly through the company. If this is a service you’re interested in, you’ll need to shop around with other providers.

Customer Service presents a very strong customer service offering. It’s one of very few credit repair companies to offer phone service 24 hours a day, seven days a week. Representatives are also available during normal business hours via web chat and email.

In spite of customer service access that tops the industry,’s website is noticeably less user-friendly than most competitors. Locating information can be frustrating due to a long-outdated site design. However, the company does offer a customer portal for convenient account access anytime.

Company Reputation

Credit repair companies tend to rack up negative reviews and complaints from former customers. In’s case, there isn’t much information out there, although this may be a good thing. After helping tens of thousands of customers with their credit, the company has yet to receive a single complaint through the Consumer Financial Protection Bureau (CFPB) or the Better Business Bureau (BBB). has an A+ rating with the latter, although it’s not BBB accredited.

Contract Duration

Customers who sign up with face no long-term contracts. Service can be canceled anytime with no penalties, although the company does recommend that customers plan to pay for about 12 months of service on average. Fees are charged at the end of each month, which is a welcome change from many credit repair companies that bill customers before that month’s services have been rendered.

Cost’s credit repair package costs $49.99 per month. There are no initial work fees, which many competitors charge during the first month of service and can easily run upwards of $100. Overall, this is significantly cheaper than the vast majority of comparable plans from similar companies.

The Competition: vs. USA Credit Repair

To illustrate just how competitive’s services fees are, we compared it to USA Credit Repair, a competitor that offers a nearly identical credit repair package. Both companies provide fairly standard service that consists of an initial credit report analysis and ongoing credit disputes, plus creditor interventions as needed.

Yet the pricing differences between the two could not be more apparent. USA Credit Repair charges a $99 first work fee and an additional $99 per month for continued service, twice what charges. USA Credit Repair does offer an accelerated program, although it involves an additional fee. With no other considerable differences, is the winner by a long shot.

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Credit Card Deal: American Express Blue Cash Preferred®



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in-depth research determine where and how companies may appear. Learn more about how we make money.

If the pandemic has had a lasting effect on your spending habits, then it’s likely that you eat in more often, and spend more time cooking at home and watching television. If there’s one credit card that’s suited to this lifestyle, it’s the Blue Cash Preferred® Card from American Express, which is now offering new applicants the opportunity to earn up to $350 in cash back. Terms Apply.

How this card works

New applicants of the Blue Cash Preferred® card can earn $150 in cash back after spending $3,000 on purchases within six months of account opening. You’ll also earn 20% back on all your purchases within six months of account opening. This cash back is limited to your first $1,000 in purchases, which means that you can earn up to $200 cash back (for a combined total of $350 back). The cash back will come in the form of a statement credit that reduces your balance, so you won’t need to redeem any rewards or be concerned with points that can expire.

This card also offers some of the highest rates of cash back that you can earn from a credit card, including a whopping 6% back (on up to $6,000 spent per year) at U.S. supermarkets (worth up to $360 per year). You also earn unlimited 6% cash back for purchases from dozens of select U.S. streaming subscriptions including Netflix, HBO Max, Amazon Music Unlimited and Disney+. Furthermore, you’ll earn 3% cash back at U.S. gas stations and on transit purchases including taxis, rideshare, parking, tolls, trains, buses (and more), plus earn 1% back on all other purchases.

What does it cost?

This card has a $95 annual fee, but it’s waived the first year. The card also offers new applicants 12 months of 0% intro APR on new purchases, then a variable rate 13.99% – 23.99% applies.

Bottom line

If you’re going to sit at home, cook and watch TV, you might as well earn as much cash back as possible. By taking a closer look at the American Express Blue Cash Preferred, you might find that you’re eligible for more cash back than you ever thought possible.

See Rates & Fees for Blue Cash Preferred by American Express.

Ads by Money. We may be compensated if you click this ad.AdAds by Money disclaimer

A credit repair company could improve your chances of getting approved.

Credit Repair companies, like Credit Saint, specialize in finding and helping you remove mistakes on your report to help you improve your credit.


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