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Money for nothing: He was paying a credit repair company, but says he wasn’t getting anything in return



A Paradise man, who was paying down a loan he hoped would help repair his credit years after he declared bankruptcy, says the company behind the arrangement was not following up on its promises to improve his financial situation.

Canada Credit now says the matter has been resolved with customer Doug Randell, after receiving inquiries from CBC News.

Randell had gone public and done an interview prior to the resolution.

He claimed Canada Credit told him that, if he signed up for its services, his credit score would increase by 90 per cent in six months.

To do that, he made payments on a loan to another company, even though he was never actually given any cash as part of that arrangement.

But he discovered his payments on the loan weren’t being reported to the national credit bureaus.

“You just pay money, and nothing [is] being done,” Randell said.

“You feel violated… it’s terrible. It makes you feel like you’re nothing, actually.”

Since CBC News started investigating this matter, Canada Credit’s legal department sent an email stating that there had been a development.

“Canada Credit would like to inform you that [the] matter with Douglas Randell has been resolved,” the email read.

“Credit Canada [sic] and the customer came up with [a] mutually acceptable resolution,” noting that the company had no further comment on this matter.

When CBC News contacted Randell about this resolution, he declined to comment.

Signing the contract

Randell, who’s originally from Englee on the Northern Peninsula, told CBC News in an earlier interview that he declared bankruptcy about four years ago.

While surfing social media last fall, he saw an ad for Canada Credit. Randell said he put in some of his information online, and the company called him right away.

“They told me what they would do, clean up my credit report, and they would give me a pre-paid, secured credit card that I could put whatever amount I want on this card to rebuild my credit,” he said.

As part of his contract with Canada Credit, Doug Randell agreed to pay $79 every two weeks for 16 months for a “micro-loan” from SkyCap Financial. (Bruce Tilley/CBC)

Randell paid a $199 set-up fee, and signed a contract to pay $79 biweekly for 16 months for a “micro-loan” from another company, the Kingston, Ont.-based SkyCap Financial, with an interest rate of 29.99 per cent.

The total amount of the loan, as detailed on Randell’s SkyCap contract, is $2,964.

But Randell didn’t get any money from that loan. According to his Canada Credit contract, it was being used to pay for “membership fees” with the company.

“The $79 biweekly, I didn’t know for sure what it was, but I didn’t really ask too many questions — I just thought it was a process that I had to go through,” Randell said. 

He said when he signed up, he was told his secured credit card was in the mail. 

When it didn’t show up, he said he called Canada Credit, and a representative told him it would cost another $150 to get that credit card — but he refused to pay any more money than he had already agreed to.

Getting the ‘runaround’

In January, Randell discovered his payments weren’t being reported to the national credit bureau Equifax. He again called Canada Credit, which he said steered him to SkyCap.

“It was just a runaround each time, every time I called,” he said.

“Then they told me not to call back anymore because I was harassing them.”

Randell said he asked Canada Credit what would happen if he stopped his payments, and was told that he’d be brought to a collections agency.

“They were sort of saying, ‘Well, you signed in, you’re signed in.’ Tough luck, pretty much,” he said.

Randell’s Canada Credit contract does state that he can cancel his membership with a written request, but that it won’t cancel his financing agreement with the third-party lender.

‘Improve your credit score’

The Calgary-based Canada Credit has been in the credit repair business for about a decade.

Canada Credit’s website says the company can “improve your credit score by introducing a healthy loan on your credit report.” (

Its website says clients can:

  • “Grow your credit score and repair your bad credit fast”;
  • “Improve your credit score by introducing a healthy loan on your credit report”; 
  • and “Get approved now!”

While it’s called Canada Credit, its website is — which is similar to or Credit Canada Debt Solutions, a not-for-profit credit counselling agency that claims to have helped people get out of debt for over 50 years.

Along with the micro-loan, Canada Credit’s program lists access to an app, a secured “Cat Platinum” credit card, and “live one-on-one premium support.”

The Cat Platinum credit card states it has a 100 per cent approval rate and no credit check.

Sheldon Wolf is listed as the president of Canada Credit on LinkedIn. (Facebook/Sheldon Wolf)

“Canada Credit cares, and our goal is to help people get the credit they deserve,” the company’s website states, noting that it offers the tools, direction, and support for customers to achieve their credit improvement goals. 

“Rotten things happen to good people. But we share the vision that nobody should be behind due to unforeseen financial hardship.”

According to LinkedIn, Canada Credit’s president is Sheldon Wolf.

Wolf’s personal website also lists ties to other credit repair companies, including Canada Credit Fix, Credit Slab, and Empire Citi Properties, a real estate company.

In addition to that list, Canada Credit’s office shares an address with several other companies, including Cat Platinum credit card; Omni Furniture; and Identity Lock, which is involved with identity theft protection.

Sheldon Wolf’s personal website lists multiple businesses, including Canada Credit Fix, Credit Slab, and NuLife Credit. (

Wolf did not reply to requests for comment that were sent to his personal website or through social media. Canada Credit’s legal department later asked CBC News to solely contact them.

When CBC News initally spoke with a representative from Canada Credit’s legal department, the person refused to identify herself over the phone. She said the company would conduct an internal investigation into the matter.

SkyCap responds

SkyCap Financial declined to do an interview, but its legal department sent a statement to CBC News.

SkyCap Financial said it has helped tens of thousands of individuals get access to personal loans and financing. (

The company said, since 2013, it has helped tens of thousands of individuals who aren’t able to get services from traditional banks to gain access to personal loans and financing.

SkyCap said it is solely a lending business, with no other products or services. 

It said it can’t comment on a customer’s complaints dealing with products or services offered by another company.

No jurisdiction for Service NL

Service NL Minister Sherry Gambin-Walsh was not available for an interview, but her department issued a statement.

It says a number of businesses in Newfoundland and Labrador offer debt consolidation and support services for residents who need help to re-establish credit after personal or business bankruptcy.

But Service NL notes that since Canada Credit is not licensed in this province, the government doesn’t have jurisdiction over its operations or advertising practices. 

The province says it also doesn’t have control over the advertising that consumers may find online.

“This is why it is important for consumers to know as much as possible about the companies they are dealing with before they enter into business with them,” the statement reads.

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Credit Repair Companies

5 Fast Ways to Increase Credit Score



A low credit score causes multiple problems. Lenders regard you as a risky borrower, while employers and landlords doubt your creditworthiness. This indicator is used by different organizations to compare applicants. If your status is unimpressive, follow our tips to boost the score. Here are the fastest methods you can find.

Given the dire economic situation, it is wise to get your score back on track ASAP. The economy is teetering on the brink of recession. The strength of your score may soon be crucial for your financial security.

1. Correct Your Credit Report

Credit scores are not always fair. Low ratings may stem from reporting errors, which are fairly common. The best credit repair company in the US will correct them on your behalf as soon as possible.

To see if this is necessary, download a free copy of your history. It is crucial to consider reports from Experian, Equifax, and TransUnion. Any of them may be erroneous.

The law entitles you to one free copy annually from However, due to the pandemic, the service is now accessible weekly through April 20, 2022. This gives Americans an opportunity to track their borrowing histories closely and see if they should get help with credit repair.

After downloading the reports, scrutinize them line by line. Look for any negative events like late or missed payments, bankruptcies, etc. If you see any details that look suspicious, the repair could help you fix the score.

To achieve the goal, you will need to collect evidence and dispute the errors formally. This is a tedious and time-consuming process. A better alternative is to hire a professional repair company, as it will do everything for you.

If there are just a few mistakes on your reports, an increase may happen in just over a month. Complicated cases may take half a year, so it is crucial to keep an eye on your reports. Monitor the score through My FICO or apps like Credit Sesame. This way, you will notice a drop quickly. Pay attention to VantageScore as well, as it is the second most popular assessment system in the country.

2. Pay Down Your Balance

According to the official information from FICO, 30% of the score depends on the size of your overall debt. However, this is not just the amount, but the proportion between balances and limits that matters.

Credit utilization applies to revolving credit — i.e., credit cards. To find it, you should divide the sum of your balances by the sum of your limits. For example, if you have four credit cards with a total limit of $10,000, and a $3,500 total balance, your utilization is 35%.

This is higher than what experts recommend (10% or less). To achieve a decent ratio, you have to pay off some or all of your balances until you owe no more than $100. As you can see, maxing out your credit cards is a terrible idea, as it ramps up utilization to 100% and causes the score to plummet. On the other hand, if you pay off your balances, your score will get an instant boost.

3. Pay More Often

So, what can you do if you really need to max out? In this case, paying twice a month could prevent the worst consequences. As your lender will report to the bureau monthly, the data may not reflect your actual behavior.

Suppose your limit is $1,000. You use the card for everything and pay back the full amount every time. However, because of the frequency of data sharing, this may look like credit overuse. The bureau may see a $1,000 limit and $1,000 balance — i.e., utilization of 100%.

To prevent this from happening, pay not once, but twice a month. This way, your running balance will be lower. Whenever you get some spare cash, use it to pay off the debt.

4. Increase Your Credit Limit

Bringing down the balances may not be possible for everyone. Fortunately, there is another way to approach utilization — by maximizing the limit. This will also change the proportion in your favor.

Suppose your current limit is $1,000, and the bank agrees to extend it to $2,000. This will automatically cut your utilization in half. For this method to work, you should keep your balances stable. Do not tap into the newly available credit.

What if the bank rejects your application? Try another issuer or consider getting a secured credit card. As it requires a deposit (typically, $200), financial institutions are more willing to grant such requests. Fortunately, utilization is calculated for all lines of credit.

5. Negotiate Outstanding Balances

Has your score fallen because of debts in collections? If these derogatories are true, there is no way to wipe them out. However, you can do some damage control by liaising with the collectors.

The organization may agree to reduce the total amount. Such a settlement will still be classified as derogatory. On the upside, it will show that you have taken responsibility for paying as much as possible.

The settled debt will not be marked as outstanding. It is crucial to get such an agreement in writing. Overall, this is the best course of action, and there are plenty of guides online.

Extra Tip: Become an Authorized User

This way, you will be added to someone else’s credit card account. It is important to choose a card with a positive history. For example, if you have a relative or friend who manages their finances well, ask them for a favor. Explain that you do not intend to use their funds, but merely want to build your own credit.

This method works because the other person’s account will show up on your report. As a result, it will be included in utilization. If the cardholder is careful with their payments, your score will get an instant boost.

The Bottom Line

Your credit improvement strategy will depend on the accuracy of your reports. If the score is justified, you may adjust your credit utilization, negotiate any debts in collection, and make other changes to your borrowing behavior. In case of repair, the results may take months depending on the condition of your records.

(Devdiscourse’s journalists were not involved in the production of this article. The facts and opinions appearing in the article do not reflect the views of Devdiscourse and Devdiscourse does not claim any responsibility for the same.)

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Credit Repair Companies

From Welfare To Financial Literacy Coach As Jeremy Hyde Freeman Officially Launches His Business



From Welfare To Financial Literacy Coach As Jeremy Hyde Freeman Officially Launches His Business

Certified personal and business credit specialist, Jeremy Freeman, launches his financial literacy program, Credit Beats Cash, as he moves to share his knowledge with the world

Jeremy Freeman has announced the launch of Credit Beats Cash, a new financial literacy and credit repair company, as part of his goal of teaching as many people as possible and sharing his wealth of knowledge as a financial literacy coach. In a related development, the financial expert and serial entrepreneur is set to launch a new book titled Credit Beats Cash The DIY Credit Repair Guide.

Financial literacy has been described by some experts as a global pandemic that has gotten very little attention. Over the years, millions of people in different parts of the world seek solutions to help improve their standard of living as they look to achieve financial freedom or at least stability. Consequently, thousands of resources have been developed by financial experts as possible solutions to people of different age groups. Unfortunately, many of such resources have not particularly met the needs of users. However, Jeremy Freeman is looking to change this narrative with the launch of Credit Beats Cash Financial Literacy.

Jeremy Hyde Freeman aims to personify the journey as he digs into his experience as a certified personal and business credit specialist, working with individuals from all walks of life to help put their financial situation in order. Jeremy also has a first-hand experience of bad credit and financial struggles, eventually overcoming the challenges and coming out as a responsible adult.

Credit Beats Cash Financial Literacy will offer a wide range of solutions to help clients clean up their past in terms of credit score, track their present state, and ultimately chart the desired course to achieve the future of their dreams. Clients will get free credit consultation, free in-depth credit analysis, and free credit recommendations.

The DIY Credit Repair Guide from Jeremy Freeman will also contain simple-to-implement yet effective tips to repair bad credit and getting financial solutions as desired by individuals and families.

For more information about Credit Beats Cash Financial Literacy and the services offered, visit –

Media Contact
Company Name: Credit Beats Cash Financial Literacy
Contact Person: Jeremy Freeman
Email: Send Email
Country: United States

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Credit Repair Companies Review (2021): Cost-Benefit Analysis 🕵️‍♂️



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.

Have you noticed recently that your credit score is misrepresenting your financial history? Feel like you’re getting a raw deal on your debt rates and terms?

The increase in applications for loans, credit cards, and mortgages throughout Covid-19 has resulted in more people discovering mistakes on their credit reports. In fact, complaints to the federal Consumer Financial Protection Bureau have spiked, with a whopping 50% increase from March to June this year compared with the same period in 2019.

Within this figure, 86% of complaints are related to credit reporting or credit repair services – essentially, consumers feel taken advantage of by false promises. With a clear display of fraud in the credit repair industry, and so much at stake, who do you trust to help improve your credit report? has a solid reputation of providing good results for its members. Though it is not accredited by the Better Business Bureau (BBB), it does have a record of increasing consumers’ TransUnion score by about 40 points, on average. It’s also well known for being time efficient, and following a clear three step process to help reach your individual goals.

In this review, we take you through this three step process, how much you’ll pay and what you should expect. We’ll also highlight some tips to maintain your credit score and strategies to remove a collection on your own.

CreditRepair has a solid record of getting its members good results. It offers a clear three step process, an efficient service, and a free consultation to help you decide if this is the right fit for you.

Fast Facts

  • Fees: $99.95 per month plus a setup fee of $14.99 
  • Highlight: Free consultation
  • Best for: Those looking for a clear and simple process


  • Fees: 9/10
  • Communication: 10/10
  • Dispute Process: 10/10
  • Customer Service: 10/10
  • Credibility & Trust: 9/10
  • Overall: 9.5/10

What is 🛠️ has an established and strong reputation as one of the leading credit repair companies you can find.

While there aren’t many details about the company, we have deduced that it was established in 2012, based on the website copyright, and is based in Seattle, Washington. The company states its mission and what distinguishes it from competitors on its site. 

The company’s mission states “[We] empower every individual to achieve the credit scores they deserve and enjoy a lifestyle of greater opportunity.” homepage homepage.

The primary goal of the credit repair company is to empower people to overcome any credit problems, tidy up their files, and increase their credit scores. Doing this is the first step to establishing financial independence and strength, and begin feeling more in control of your finances again. aims to help people increase their credit score, and arm them with the tools needed to begin their journey towards financial freedom.

Overview and Summary

  1. Based in Seattle, Washington, has a strong reputation in the credit repair industry.
  2.  CreditRepair offers a free personalized credit consultation, during which time you can go over your situation and discuss your needs and expectations in detail.
  3. The firm has several benefits including a clear 3 step process, a comprehensive selection of educational material, and an easy to navigate website.
  4. Those considering the credit restoration service can take advantage of the free consultation offered.
  5. The company’s downsides are that it is not clear on who its “experts” are, is not accredited by the Better Business Bureau (BBB), despite its positive customer reviews.
  6. The company states that it increases the average customers TransUnion credit score by 40 points. 

How Much Does Cost? 💰

CreditRepair offers a free personalized credit consultation, during which time you can go over your situation and discuss your needs and expectations in detail. You will be able to access your credit report summary, in addition to an audit on all accounts, a free credit score evaluation, across the three major credit bureaus.

You can take advantage of the free consultation without making a commitment but should you choose to use the service, the company has a simple and straightforward pricing structure, which is a fixed-rate monthly payment of $99.95 per month

Separate to this, there is a one time fee of $14.99 charged to pull your credit report. Apart from this, there are no other fees or hidden fees that might catch you off guard.

These fees are not the most competitive available, but when compared to competitors, CreditRepair offers a lot for the price, including online tools to help manage the process throughout, educational material, credit alerts for any report changes, and 24/7 customer support.


  • Efficient service 
  • Clear process
  • Solid record of helping its members
  • Website is easy to navigate


  • Not accredited with the BBB 
  • Unclear who its experts are

How Does Work? 🧐

The CreditRepair process is an overall simple one with a clear three-step structure. When you sign up, the company will pull your credit report, and help you to analyze and identify any errors.

Next, the company will contact the credit companies to ensure they are fulfilling their obligations to you and to liaise with the three major credit bureaus to make sure that the requested changes have been made.

CreditRepair will leverage all relevant consumer rules to protect your credit and ensure that all your personal information is accurate.

How to Repair Credit
CreditRepair follows a three step process to address your credit concerns.

The last step will be to keep you informed on all steps of the process and any progress made through your mobile app, personal dashboard, a score tracker, and email alerts.

This is all enhanced by the educational material offered which enables you to learn all you need to know about credit repair including, how it works, who to avoid going forward, and how to become more financially secure in the long term.

One thing that stands out to us as a negative though, is that absence of a guarantee. This is particularly noticeable considering money back options are a core aspect of other services offered by competing credit repair companies such as Sky Blue and Credit Saint.

How to Minimize the Impact of COVID-19 on Your Credit Score 🦠

Before we get into all the highlights of CreditRepair, we are going to walk you through how you can relieve some of the impact of the pandemic on your credit score.

Let’s start off with some general best practices when it comes to credit standing, in the face of a pandemic. 

  1. If you cannot make repayments then call your lenders or insurers and ask for you.
  2. Always continue to pay what you can
  3. Stay on top of your credit reports, and understand your rights (we’ll speak about this more soon)
  4. Think about adding in some notes to your credit report, in particular if you think your score has been affected by Covid-19.

In addition to this, there are some steps you can take to avoid falling into debt during current times. Doing things like budgeting, talking to your lender to discuss your options, and again, paying what you can.

If you’re wondering how potentially late or reduced repayments will affect your score then be sure to contact your lender to find out. Thankfully, many creditors and lenders are aware of the financial difficulties consumers are under as a result of Covid-19, and are taking steps to alleviate this stress.

Where Shines ⭐ shines in a few different areas that customers will appreciate. Let’s go through the advantages of signing up with

The Website is Easy to Navigate 🖥️

The website is straightforward and user-friendly. Visitors to the site can easily browse and find the information they’re after. 

The Company Displays a Solid Record of Results 📑

While each credit situation is unique, the firm does have a strong history in the industry that is worth taking into consideration when making your decision.

Efficient 3 Step Process: Check, Challenge, Change 3️⃣

The credit repair process isn’t always straightforward. Some companies can make it a challenge with complicated processes and long waiting times. on the other hand provides a simple and straightforward three step process: Check, Challenge, Change. This makes it easy for customers to understand how the firm will help improve their credit.

You will be able to see what needs to be done, and make the process a more achievable journey.

Comprehensive Educational Section 👨‍🏫

Another undeniable highlight of is the array of articles that are available through its library. Customers can access hundreds of articles on debt solutions, credit improvement, identity theft, savings and loans. When it comes to loans, keep in mind that there are a number of ideal options for personal loans for fair credit, which will be more beneficial to you in terms of rates and terms.

Customers and potential customers can grow their knowledge on debt management solutions, how bad credit could affect you, and even get to know some efficient savings tips. Reading through these informative articles could help answer some questions you have, or maybe you didn’t even know you had, to help you keep financial stability.

This may prove more useful than most care to admit. The Consumer Federation of America (CFA) and VantageScore Solutions, LLC, recently released a survey highlighting that although low-income households were the most likely group to apply for credit amid the recession, they also typically knew the least about credit scores. This includes knowing invaluable things like the fact that low credit scores can cost you thousands more, and that credit scores actually measure your risk of not paying.

Therefore, understanding how credit can affect your life is a key part of helping you keep it under control. All of this information and more is readily available to read on the site, which can be a valuable tool for consumers alike.

Reputation 🤵

This is a huge factor when it comes to choosing the best credit repair company for you.

There are a lot of frauds out there who are attempting to profit off vulnerable customers, convincing you to pay a fortune for unnecessary services. on TrustPilot has a 4.4 out of five rating on Trustpilot., however, has established a solid reputation, with the majority of reviews being positive. In fact, the company is mostly ranked as excellent on trustpilot.

Convenience 👌

The sheer convenience of this site is a positive. It can save you both time and money – two attributes that no one would turn down.

As opposed to going through the time consuming, painstaking task of analyzing your file line by line and then getting in touch with each bureau yourself, can do all the work for you.

Where CreditRepair Could Improve 🔼

Though creditRepair offers a seamless 3 step process, informative educational content, and a convenient service, there are some areas we believe the credit repair company could work on to fully meet customer’s needs.

Most notably, on May 3rd 2019, it was reported that the Consumer Financial Protection Bureau (CFPB) filed a suit against the firm, accusing the firm of violating federal laws. Here are some other areas that may be of concern for you:

Lack of Clarity ✔️

The website boasts other companies as trusted partners. Yet, there isn’t a lot of information available on what the partners role is, or any information confirming the legitimacy of these companies.

There also seems to be a lack of transparency surrounding how the experts communicate with the credit bureaus so that items can be removed from your credit report.

Not Accredited by the Better Business Bureau (BBB) ✔️

The Better Business Bureau (BBB) accreditation provides businesses with third-party validation of the company’s legitimacy and ethics. CreditRepair is, unfortunately, not accredited by the BBB, and holds a D rating at the time of writing.

The Service May Be Unnecessary ✔️

One of the main concerns with any company of this nature is their validity. There is a feeling that you are spending money on something you could achieve yourself.

While there’s no doubt this service is convenient, it is not necessary to correct your credit and improve your credit score. Especially if your financial situation is currently unsure or in dire straits. With this in mind, there are some particular ways to keep your credit score up when the economy feels uncertain. 

These include:

  1. Taking inventory of all your expenses and debts
  2. Talking with your insurers and lenders (or any other companies you owe debt to that you can’t repay)
  3. Continuing to repay as much as you can manage
  4. Monitoring your credit score and report consistently
  5. Noting on your report whether Covid-19 has impacted your credit score 

Who Should Use 👨 is best suited to people who have some unfair, inaccurate, or unverified items removed from their credit report. Though please be aware that a credit repair company can’t necessarily promise that your credit score will increase due to the Fair Credit Reporting Act (and stay away from any firm’s that do promise this).

The firm’s services are not the most vast, but the ones offered are specifically to help you get the best results. CreditRepair does not offer debt consolidation or credit counseling. This means that if your credit has been impacted through credible ways, the firm won’t be able to assist you. is a service for those who need to have false or inaccurate data deleted from their credit report.

 In this case, there are other viable debt consolidation options for bad credit that would be more suitable to you. This streamlines your payments into one monthly, manageable payment with potentially better rates.

If you’re not sure whether you’ll benefit from the services of a credit consultant or not, you can call on 833-841-1600 and take advantage of its free credit consultation.

How Long Will the Process Take? ⏲️

The company acknowledges that all situations are unique but it does state that the average member uses its services for a total of six months.

The company uses the information it collects about your individual credit problem and needs, and creates a “game plan” that is customized especially for you. However, on a general level, the progress seen is generally that around 7% of bad credit items are removed each month.

What Can Be Removed From Your Credit Report? 👂

You probably already know that bad credit can land you with higher interest rates on both your loan repayments and credit cards. Bad credit can also make it more difficult to get guaranteed approval on loans works with credit bureaus including Experian, TransUnion, and Equifax, and your creditors to make a case against some of the inaccurate or unfair information on your credit report that may be causing you to have a lower score than you deserve.

💡 Helpful tip: Make sure you understand your rights to a free annual credit report. By law, these three credit bureaus are required to give you a free credit score every 12 months, once you ask for it.

The firm works to make sure your credit history is accurate, up-to-date, and a true representation of you, which all-in-all could help raise your credit score.

There are some particular items on your report that can be challenged. The items below must be invalid, unfair, or inaccurate to be removed:

  • Late payments
  • Collections
  • Charge offs
  • Judgments
  • Bankruptcies
  • Foreclosures
  • Repossessions

How Can Help Me? 🆘

So, how exactly will help you? The firm states that it will help repair your credit by eliminating negative items on your credit report. also claims to work to improve your credit score. The company boasts that the average customer will gain an increase of about 40 points on their TransUnion credit score in less than four months of signing up.

The credit repair company also advertises its range of customized credit repair tools. These were created to offer some guidance through the tasks, to keep a positive credit score and see consistent progress. 

If you’re interested in repairing your credit, you could do some research on the top credit repair software. This software comes in lots of different shapes and sizes, with some assisting with disputes, and others helping you keep track of your score. It just depends on your needs and budget. Uses a Three-Step Process 👇

After reading what customers have to say, it’s clear to see that a major part of the firm’s success in the credit repair process is because it lets customers know what to expect from the start. uses a three-step process to address each client’s credit needs.

The process begins with the first step: The Check. This happens when you sign up and it involves pulling three of your credit reports from the three major credit bureaus and identifying the information you would like to dispute. The team will gather information on your credit history and your goals and create a customized plan to improve your credit.

In this action plan, the second step is the Challenge. During this step, initiates a conversation between you, the credit reporting bureau, and the creditor. The credit repair team’s experts communicate with each party directly to discuss the issues, and stay in touch to confirm that the requested changes have been implemented.

The third step: Change. This alludes to the change in your credit score. On average, clients see an average of 7% of the negative items on their reports eliminated per month.

In addition, the firm works to create a positive and longer lasting impact on your health that moves beyond your time with them. The company does this by offering educational resources to help you deepen your understanding on the topic, and offering one of the top credit monitoring services to help you stay on top of your score.

Which is Better: Sky Blue or

Interested in alternatives? Check out the pros and cons of Sky Blue credit repair.


Although the company lacks some information on its credit repair service options, its innovative technology and ability to eliminate negative items like charge offs and late payments in a time efficient manner, combined with excellent consumer repair reviews, good credit results, and a 24/7 credit evaluation.

The company also offers TransUnion credit monitoring as well as text and email alerts to all its members. There is an initial once off setup fee, however, it is less than most of its competitors. The credit repair company works alongside all three major credit bureaus to deliver you a fair and accurate credit report.

Should you sign up with the company, you will gain access to its mobile app, online dashboard, and a credit score tracker to help you stay on top of your progress. The credit company also focuses on giving real solutions to your credit problems, and motivating clients to begin improving their credit history to maintain an overall good level of credit.

If you have bad credit, we recommend you take advantage of’s free consultation to have a chat about your individual situation and needs.

Frequently Asked Questions

  • Is legitimate?

    Unfortunately, is not accredited by the Better Business Bureau (BBB), and, at the time of writing, it has a D rating. However, the credit restoration firm has a solid reputation of repairing credit reports for its members in a timely fashion, and has a rating of mostly, “Excellent” on Trustpilot.

  • Is it worth paying someone to fix your credit?

    Credit scores are generally a time-is-money proposition. In the end, if your credit score is poor, then you will pay a higher interest rate on your debt. For this reason, if you are in the financial position to, hiring a professional to look after it in an efficient way could be the wisest choice. Check out some credit repair companies near you to get you started.

  • Does offer a guarantee? does not offer a money-back guarantee. It does offer stats for the average success rate achieved with previous members, not to mention a free consultation.

  • Can deleted items reappear on your credit report after working with

    Nothing on the company’s website, in the reviews, or on third-party websites like Trustpilot indicates that any items have reappeared on customers’ credit reports. That said, as credit bureaus are independent agencies, it is a possibility. 

  • How long does take to repair your credit?

    This is completely dependent on the individual person, their situation and their needs. This holds true where you are hiring professionals, or attempting to go through the process yourself.

  • Are there discounts for couples, families, or active military? does not offer any discounts for families, couples, or active military. The only discounts offered depend on the time of the year and are time-based.

  • What are’s hours?

    Below is a list of’s hours. 


    • Monday – Friday: 7:00 AM – Midnight EST
    • Saturdays: 9:00 AM – 11:00 PM EST
    • Sundays: 9:00 AM – 10:00 PM EST
    • Member Services:
    • Monday – Friday: 8:00 AM – Midnight EST
    • Saturdays: 10:00 AM – 7:00 PM EST
    • Sundays: CLOSED
  • How do you cancel a membership?

    In order to cancel your membership, you simply need to contact the CreditRepair team using the contact information on the firm’s website. Just state that you no longer wish to be a member.

  • Can remove late payments?

    According to the Fair Credit Reporting Act (FCRA) late payments can stay on your credit reports for as long as seven years from the date of delinquency. Should the account with the late payment stay open, only the late payment will be eliminated after this time.

  • What is a goodwill adjustment?

    goodwill adjustment is when a lender agrees to retroactively make changes to the way it reports a borrower’s account activity to the major credit reporting bureaus (Equifax, Experian and TransUnion).

  • How do I get a collection removed?

    Here are three simple ways to get a collection removed:

    1. Request a Goodwill Adjustment from the Collection Agency.
    2. Use the Advanced Dispute Method to dispute the collection
    3. Demand that the debt is validated by the Collection Agency.
  • Is registered with the BBB?

    Unfortunately not. CreditRepair is not registered with the BBB (Better Business Bureau). It does have majority strong customer reviews on third party sites like Trustpilot, though.

  • How much does cost?

    To sign up to you will pay a monthly fee of $99.95, in addition to a once of initial payment of $14.99. Once you join, you will have access to a personal online dashboard where you can view your credit repair progress 24 hours a day.

  • Is my credit score too low for

    No, you do not need to have a minimum credit score to begin working with The company works to help people with low credit score improve their report and potentially increase their score. To help you get where you need to go faster you could consider debt consolidation. This merges multiple debts into one streamlined debt, making it more manageable.

  • What are the benefits of has many benefits including a fast and efficient process, a solid record of good results, and comprehensive educational material. The company also offers a free consultation where you can ask all the questions you need to help you make a decision.

  • What can remove from my credit history? can dispute the removal of some particular items on your credit report if they are unfair, inaccurate, or invalid. These items include: 

    • Late payments
    • Collections
    • Charge offs
    • Judgments
    • Bankruptcies
    • Foreclosures
    • Repossessions
  • Does help with identity fraud? can help you if your credit has been damaged by identity fraud or identity theft.

    If you have been a victim of identity fraud or identity theft and your credit has been damaged as a result, fear not. is one of the leading credit repair companies to help remove negative items from your credit report.

  • What is’s Phone Number?’s phone number is 1-833-841-1600.

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