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Credit Repair Companies

It’s Easier Than You Think



All reviews, research, news and assessments of any kind on The Tokenist are compiled using a strict editorial review process by our editorial team. Neither our writers nor our editors receive direct compensation of any kind to publish information on Our company, Tokenist Media LLC, is community supported and may receive a small commission when you purchase products or services through links on our website. Click here for a full list of our partners and an in-depth explanation on how we get paid.

Thinking about getting a loan but noticed a change in your credit score recently? Maybe you want to figure out why, or maybe you just want to check that there’s no inaccurate information on there – mistakes do happen.

Your credit report is a helpful way to manage your financial data, holding information like your payment history and credit history, which financial institutions depend on to decide whether you’re a worthy borrower. Keeping an eye on your credit report, therefore, is crucial if you plan on taking out any huge loans, like a mortgage, in your lifetime.

Typically, you are entitled to a free credit report from one of the three major credit bureaus every 12 months. Normally, accessing a credit report any more than this will cost you.

However, with many facing harsh financial times as a result of COVID-19, everyone is entitled to a free financial report each week from Experian, Equifax, and TransUnion. And accessing them is simple!

In this guide we’ll show you how you can get your free credit report from the three major credit bureaus, why they matter, and how often you should check them to help keep your score in tip-top shape.

Overview & Summary

Here is a brief summary of the top five key points in this guide:

  1. Under the federal Fair Credit Reporting Act, you are entitled to a free copy of your credit report from the three major credit bureaus once a year – you just need to request it.
  2. You can access a copy of your free credit report from one of the three major credit bureaus by visiting
  3. Keep an eye out for imposter sites attempting to mimic
  4. A credit report holds all of the positive and negative elements of your credit history. 
  5. Checking your report once every 30 days is probably the most ideal because credit reports go through a full cycle of changes in this time.

What is a Free Credit Report?

Under the federal Fair Credit Reporting Act, you are entitled to a free copy of your credit report from the three major credit bureaus once a year – you just need to request it. You can do this through either Experian, TransUnion, or Equifax.

These three companies collect information on your financial history including your record of paying bills, public records related to debt (like bankruptcy) and any inquiries made about your credit.

These reports make up the basis for your credit score and so, companies buy them to help them decide how much risk a customer poses when deciding whether to offer loans, credit cards, insurance, and even to assess your ability to take on a new position.

John Ulzheimer, a credit expert who formerly worked with Equifax and FICO said, “The importance of checking your credit report can’t be understated.” The reports can also help determine your likelihood of becoming a victim of identity theft.

How do I Obtain My Credit Report for Free?

You can access a copy of your free credit report from one of the three major credit bureaus. 

Consumers can access a free credit report easily through the Experian website.

Website: To get your free Experian credit report, you can visit After answering some questions, you can download the report. We suggest downloading the report there and then. It could be up to 12 pages long, depending on the length of your credit history, like if you’ve applied for a mortgage before, or credit cards.

Toll-free number: If you call 877-322-8228, the report can be mailed to you.

Mailing address. To conduct the process almost entirely by mail, download the annual credit report request form, fill it out and mail it to Annual Credit Report Request Service, P.O. Box 105281, Atlanta, GA 30348-5281.

What Does a Credit Report Look Like?

A credit report holds all of the fantastic and not so fantastic elements of your credit history in plane site. The reports have been designed specifically in such a way that they are relatively easy to read and understand.

The first part of the report will display your personal information like your number, addresses dating back decades, contact information, and current and former employers. Following this are the public records, for example a bankruptcy.

After this, all the details about problem accounts appear, such as anytime you missed a payment or any that went to collections. Negative marks can stay on your credit file for up to seven years. 

Person holding an iPad to improve their credit score fast
Your credit report will contain your credit score, and more.

Keep an eye out for a drop in your credit score if your repayments were accommodated in any way by creditors throughout COVID-19. After some creditors began helping ease the financial stress for consumers, some people are now noticing it has impacted their credit score.

If this has happened to you it would be a good idea to contact Experian, or one of the three major credit bureaus and ask them to investigate, and correct the issue.

Following this is the list of satisfactory accounts – these are the ones that have been reported to be in good standing.

Moving on, you’ll see the inquiry section. This will show the various request types for your credit information. The promotional requests reference the companies that have received limited information about your credit to help them determine your risk for loans, credit cards or insurance. 

You might see some other credit inquiries displayed from a time when you compared loans or mortgages, for example. Thankfully, these kinds of credit inquiries are not as detrimental to your overall report as they once were. You can begin making notes on what you want to get removed from your credit report to begin the process of improving your credit score.

📝 Why Should You Review Your Credit Reports?

Reading and understanding reports takes time and patience. Taking a quick look through and tossing it for recycling won’t do it justice. Experts recommend you set aside a fair amount of time – perhaps about an hour – to review it thoroughly.

We suggest three stages of review for each report. First, read through and note any questions you have. When you’ve done this, try and find the answers on a reputable site or get in touch with the credit bureau.

After this, you should attempt to highlight any inaccurate, out-of-date, or misinformation. Should you find any, you can dispute this information online or by mail. To finish, take a look at it from the lender’s perspective.

Don’t make the mistake of thinking that because you pay your bills on time you’ve nothing to worry about. Mistakes happen.

Your report can end up being confused for someone else, or it could show that you are at a higher risk for fraud. Knowing how to build credit, and what could prevent you from building credit will help make the overall process easier. 

🗓 How Often Should You Check Credit Reports?

Think about it like any other necessity in your life, visiting a dentist, a doctor. It’s not the most fun, but doing so once a year will improve your life. Checking your report once every 30 days is probably the most ideal because credit reports go through a full cycle of changes in this time.

If you haven’t had a chance to pull a free credit report in some time – or maybe ever – then consider pulling three reports at once so you’ll have a good idea of how you are rated on each of the credit reporting companies.

🦠 Free Credit Report Amid COVID-19

Typically, you can only access a report from the three major credit bureaus once every 12 months. However, throughout COVID-19, the credit reporting bureaus are offering free credit reports each week for the next year. To get your free report, go to

Reports should be free and accessible and no one should have to pay to see their own credit history.

If you need to pull out a credit card to pay for a credit report then you haven’t tried hard enough to find the numerous free options. Be careful not to go overboard with monitoring.

Doing so any more than once a month can make an already time consuming process slow and painful. You will see slight changes and additions here and there, but there won’t be any drastic differences.

Trading During Covid-19
Weekly credit reports are available for free during COVID-19.

It’s also worth noting that explanatory notes in credit reports have little impact because scoring formulas can’t read, so additional words won’t improve your score.

Another option to think about is a credit freeze. This would enable you to restrict access to your credit report. By law, the three major credit reporting agencies allow you to freeze your credit for free.

You can also contact Experian, or one of the other two reporting bureaus to request fraud alerts or credit freezes, or you can opt out of prescreened credit offers:


888-EXPERIAN (888-397-3742)





Watch Out for Fraudulent Websites

There is only one website authorized to fill orders for your free credit report – This doesn’t mean that other websites won’t claim to offer a “free credit report”, “free credit monitoring”, or “free credit scores”. These are not covered under federal law. 

In some cases like these, the “free” product might have strings attached. For instance, some sites might ask you to sign up to a “free” service that changes to a paying service once the trial period ends.

Man creating fraudulent schemes to steal credit report scores
While there are some scams that target credit reports, following a few simple steps can decrease your susceptibility.

If you fail to cancel this period, you might be unknowingly agreeing to paying fees for the service. Some fraudulent, or imposter sites hijack the term “free report” or similar in their names; others will put a misspelled version of in their name with the hope you mistype it on the official site.

Other times, you might be directed to other sites that try to convince you to buy something, or worse, try to collect personal details.

Experian, or any of the other credit reporting bureaus, will not request personal information from you by email. Should you receive an email or phone call, or get hit with a pop-up ad from a service claiming to be Experian, or any of the other reporting agencies, do not click on a link or respond to the message because it is more than likely a scam.

⚠️ What to Do if You Find Fraud in Your Credit Report

While mistakes do happen, some are more serious than others. Minor variations on your name and a listing of an address you never lived at could be a tell-tale sign of fraud. In addition, if you discover accounts in default that are not yours, this could be a sign of fraud, too.

The first thing you should do to rectify this is to contact the credit bureaus and the creditors to assess the information, and potentially dispute it. For example, if an unpaid debt shows on the account you might need to file a police report and affidavit.

This will help you stand out from those who tell creditors and credit bureaus the same thing, when their intention is simply to get out of paying a bill.

🕑 The Right Time to Check Your Credit Report

If you think you might want to make a major purchase in a few months or even in a few years, you should regularly check your free credit report to make sure it is accurate.

To give you more options and better interest rates, you should try to keep a high credit score, or work to improve it, if not. Don’t think you’re too young, either. From the age of 18 years, looking at your credit report is important, especially if you plan on making a big purchase in the future.

You are probably interested in owning a house during the course of your life. It’s a huge purchase, so getting the best interest rates possible can make a significant difference.

After all, excellent credit is one of the best ways to build wealth – it’s far more to your benefit to pay a 2% APR over a 4% APR on things you plan on buying.

Credit Report FAQs

Can I Get a Free Credit Report Once a Year?

Under federal law, you are entitled to a free copy of your credit report from each of the three nationwide bureaus once a year. You can access the report through, this is the only site authorized by the Government to issue free credit reports.

Make sure you keep an eye on your credit report regularly. To help, you could leverage the leading credit monitoring services.

What is the Best Site to Get a Credit Report?

There is only one official site to get a free credit report, and that is Be aware of other fraudulent sites claiming to give free credit reports.

What Credit Report do Banks Use?

Banks pull credit reports from the three major bureaus when assessing a person’s likelihood to repay debt. These are Experian, TransUnion, and Equifax. Understanding how to get a personal loan takes a bit of work. But doing the work will help you get the best possible rates.

Can I Get My Credit Report from a Bank?

You may be able to access your credit score for free through your bank or credit card issuer. Some banks offer free credit scores. These can be checked by logging into your account, or by reviewing your monthly statement.

Which Credit Report is Most Important?

Lenders use credit reports from one of the three major credit bureaus. These include:

  • Experian
  • Equifax
  • TransUnion

What Are the Mailing Addresses for the 3 Credit Bureaus

Experian: Experian National Consumer Assistance Center at P.O Box 4500, Allex, 

TX 75013. Alternatively, you can upload your document at to submit it online.

Equifax: Equifax Disclosure Department, P.O. Box 740241, Atlanta, GA 30374.

TransUnion: TransUnion, Consumer Services Tea, P.O. Box 1000 Chester, PA 19022.

How Do I Get a Free Credit Report From all 3 Credit Bureaus

You have a right to one free credit report every year from the three credit bureaus. You can get your free copy by going to, or calling 1-877-322-8228.

Does Checking my Credit Report Hurt my Credit?

No, checking your credit report will not hurt your credit. Checking your credit report regularly is recommended as it is a good way to ensure that information is accurate. When a financial firm conducts a hard inquiry in response to your credit application, this will impact your credit score. 

Are Four Hard Inquiries Bad?

Four hard inquiries within a short period could result in a lower score. According to FICO, people with six or more inquiries in recent times are eight times more likely to file for bankruptcy as those with none, something which is reflected by scoring formulas. 

On top of this, FICO is changing its scoring formula. This will see those with good scores should see their scores jump a little higher. Those already in financial distress could see their score fall. If you’re concerned, you can easily access a credit repair company near you to help you get your credit score back on track.

Can a Bank Pull my Credit Report Without my Permission?

The Fair Credit Reporting Act (FCRA) has a strict limit on who can check your credit and under what circumstance. The law regulates credit reporting and ensures that only business entities with a specific, legitimate purpose, and not members of the general public, can check your credit without written permission.

Is AnnualCreditReport Safe? is the official website for free credit reports. However, be aware of other fraudulent sites that might try to appear to be by using a similar url.

Is My Credit Clear After 7 Years?

While you will still need to repay any debts you owe after seven years, having a clean credit report will do wonders for your financial well-being. Note only the bad stuff disappears from your credit report after seven years. The positive information will remain on your credit report. If you want to start improving your credit score you could check out the most popular credit repair software.

All reviews, research, news and assessments of any kind on The Tokenist are compiled using a strict editorial review process by our editorial team. Neither our writers nor our editors receive direct compensation of any kind to publish information on Our company, Tokenist Media LLC, is community supported and may receive a small commission when you purchase products or services through links on our website. Click here for a full list of our partners and an in-depth explanation on how we get paid.

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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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