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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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Lafayette business receives cease and desist order for lack of credit repair bond



LAFAYETTE, La. (KLFY) – A Better Business Bureau Serving Acadiana complaint and subsequent investigation led to the Louisiana Office of the Attorney General issuing a “cease and desist” order to Lafayette-based Virtuous Business Consulting and owner Jessica Chaisson.

The business was ordered to immediately stop performing credit repair services at their 1003 Louisiana Ave. location. Virtuous Business Consulting currently has an F rating with BBB.

The AG order settles allegations the business performed credit repair services without the required $100,000 surety bond as required by state law under the Louisiana Credit Repair Services Organizations Act. Under terms of the order, the business was required to immediately stop performing credit repair services as well as provide the names and contact information for anyone who used their credit repair service. The order was for settlement purposes only and should not be considered as an admission of guilt.

According to BBB records, the company received a complaint from a consumer, alleging the company accepted an advance fee for credit repair then never performed the service. The business did not respond to the consumer complaint.

BBB sent correspondence to the business on Nov. 4, 2020, requesting a brief description of the products or services offered, copies of marketing materials provided to their customers, copies of any service agreements provided to customers and a copy of the required surety bond but BBB didn’t received a response.

“Hearing from consumer experiences help us keep the public informed with situations such as these,” said Jillian Dickerson, BBB Serving Acadiana President and CEO.

According to the U.S. Credit Repair Organizations Act, “No credit repair organization may charge or receive any money or other valuable consideration for the performance of any service which the credit repair organization has agreed to perform for any consumer before such service is fully performed.”

When looking for credit repair services or debt relief, consider the following:

  • Understand the difference between credit repair services and debt relief. Credit repair companies repair credit reports for a fee; debt relief are typically programs that offer loans to consolidate debt.
  • Carefully research companies on before agreeing to any services and make sure the company can help resolve the situation.
  • Before signing any contract, read and understand the terms and conditions, especially if it involves a loan.

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This 7-Figure Wealth Coach Has Helped Countless People Repair Their Credit During the Pandemic



Coach Legend
This 7-Figure Wealth Coach Has Helped Countless People Repair Their Credit During the Pandemic

Coach Legend, as he is known, has been helping people struggling financially during the pandemic increase their credit scores and gain greater financial freedom. He has largely done so with the help of Instagram and Facebook. Through his genuine and authentic approach to social media marketing, Coach Legend has been able to help countless people turn their lives around.

What makes Coach Legend someone people turn to receive advice from is his authentic approach. For him, forging personal relationships is more important than making money. While it is definitely a nice perk of what he does, he isn not motivated by it.

Coach Legend’s primary motivation is helping others. It just so happens that he is great at relating with people and motivating them to improve their lives.

These days, this wealth coach is focused on helping with credit repair. That is because the pandemic cleaned out the accounts of many in 2020. With non-essential businesses closing across the country, many had been furloughed, have seen their hours reduced, or were simply let go. This led to financial hardships for millions of people.

Those who sought to buy homes and cars, or wanted to start their own businesses, came up against financial barriers. With a low credit score, it becomes incredibly challenging to get any sort of decent loan. Thankfully, Coach Legend knows what steps need to be taken to improve financial situations and credit scores.

Thanks to his helpful advice, countless people have been able to improve their credit scores and financial situations. His clients have been able to get the houses and cars they wanted, and are able to enjoy the financial freedom they thought was beyond them.

Coach Legend knows all too well how limiting it can be to work for someone else or be dependent on someone else for your livelihood. That is why he explored becoming an entrepreneur. He saw other mentors of his unlock financial abundance and sovereignty by becoming their own bosses. That is what he decided to do after learning everything he needed to know. It wasn’t long before Coach Legend was operating several different businesses.

By taking the entrepreneurial path, he was able to say goodbye to hard times and limits on what he could achieve. Becoming financially literate was also instrumental in him accessing the abundance that was waiting for him. Coach Legend now enthusiastically teaches others how to gain financial freedom as well, given his extensive experience with the steps needed to take to unlock it.

Social media has been a tremendous resource for Coach Legend, who has audiences on Instagram, Facebook, and YouTube. There, he dispenses sage advice and extends an invitation to anyone who is looking to improve their financial situation to receive advice and guidance from him.

You can watch some of Coach Legend’s keen insights when it comes to success and mindset by heading over to his Instagram Page.

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DENIED CREDIT?? Work to Repair | Announcements



DENIED CREDIT?? Work to Repair Your Credit Report With The Trusted Leader in Credit Repair. Call Lexington Law for a Free credit report summary & credit repair consultation. 1-855-527-0217. John C. Heath, Attorney at Law, PLLC, dba Lexington Law Firm (LA-SCAN)

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