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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

Bruno Nicoletti Partners with Matt Carpenter to Introduce Humming Bird Growth and Automation to The Financial Services Industry – Press Release



December 5, 2020 Together with Matt Carpenter, Bruno Nicoletti is out to help finance management firms acquire more clients and expand their portfolios through Humming Bird Growth and Automation, an artificial intelligence-based system. The innovative platform provides a seamless path for financial advisors to grow their book of business by connecting them automatically to individuals or companies who need the exact services that they offer.

Ace financial planner, Bruno Nicoletti, and expert marketer, Matt Carpenter have struck other partnerships in the past and have stuck together due to the resulting success each time. Bruno is ranked among the top 5% of advisors globally and Matt is a well-respected marketer on and off the internet, helping clients scale their businesses to eight figures. This time, they have come together to help businesses in the finance industry.

Every financial advisor worth his salt will acknowledge the biggest challenge to sustaining a practice is client acquisition. It is the hardest part of the industry, similar to any other business, if not more challenging. For an advisor trying to gain a foothold in the industry, it could take years to develop recognition and acknowledgment from a client base who value the work they do. Bruno Nicoletti has always been a tech-savvy financial planner, forever experimenting with automation and implementing technology into his prospects. He has always been successful in leveraging LinkedIn’s sales navigator to acquire his ideal clients, but in doing so, he hit upon the bright idea of creating a more powerful tool to close big cases.

Bruno Nicoletti’s eureka moment then created Hummingbird growth and automation integrated with his experience in the financial industry as a financial advisor. He built a software company that uses AI technology to engage with ideal prospects and set t meetings with high net worth prospects on auto-pilot. His project’s resounding success in improving his practice a hundredfold made him realize how this powerful automation could be a fantastic tool for the financial industry.

Nicoletti then turned to sales guru and longtime friend Matt Carpenter with an infamous reputation for scaling companies. Matt Carpenter is a nationwide phenomenon for his sales training and services that have scaled businesses beyond expectations. While just in college, he managed a liquor store propelling sales through the roof, taking it from 600k annual rev to 2.5 million in 15 months. His career in the credit repair industry is well marked, achieving the impossible, such as when he took a credit repair company from 300k in rev to 3.3 million in 36 months.

The dynamic duo has now partnered together to introduce their latest venture, the Hummingbird automation, and growth that will be a valuable asset to financial advisors, both startups and established practices alike.

Bruno and Matt respectively:


Media Contact
Company Name: Spotlight Kredibility
Contact Person: Bruno Nicoletti and Matthew Carpenter
Email: Send Email
Country: United States

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Credit Repair Companies

Top 9 Upcoming Credit Repair Companies



Financial Integrity Solutions

Financial Integrity Solutions specialize in helping our customers with disputing items on their  personal credit and we assist with attaining business credit. We take pleasure being able to assist each and every customer as they are our only customer providing them with excellent service.

M2J Consulting

Has been around since 2002 and have helped hundreds of clients improve their credit scores by addressing issues with the credit reporting agencies as well as creditors.  Not only have I worked to have mistakes cleared from erroneous credit reporting, but I have also included credit education as a tool to increase credit worthiness.

In order to determine what plan of action needs to take place, I always want to look at each of the credit reports with scores.  I do this free of charge to ensure that our program is a good fit for before moving forward.  Every client has a unique situation and calls for a custom solution.

To ensure that customer service is above and beyond, I have an online portal link that be found on our website so that you can follow along as the process continues to completion. The amount of time depends on your credit needs. I’ll be working with you one-on-one to make the most of my program for you. There is no shortcut to good credit and no template to process dispute letters.  This is created just for you each month and changes regularly as needed.

Mike Ayres

Senior Credit Consultant

M2J Consulting, LLC
Voice/Text 469-693-2682

Virtuous Credit Repair

 Virtuous Credit Repair


We offer Rapid Credit Repair service because it helps our clients get another chance to become financially Free contact us for your financial freedom. One of Louisiana Top companies, we specialize in removing negative items from the credit report, Credit counseling, debt management, and more. During the pandemic, we have helped hundreds of our clients increase their credit scores.

Upward Bound Financial Solutions

CEO and Founder of Upward Bound Financial Solutions, Jessie Bickerton, is a credit consulting expert whose mission is to educate and help others achieve financial freedom. Jessie Bickerton discovered her passion after correlating a huge lack of education and resources on the topic of credit. “We are not taught about the importance and functions of credit in school. And many people are not taught at home, often due to lack of know-how from their own parents’. People are then taught to fear credit. My mission is to change this, to teach people how credit can become a tool, and continue to pass down the knowledge to each generation.” Jessie Bickerton has seen the devastation poor credit welcomes into one’s life, whether it be from being denied a home loan, car loan, being denied a rental application, or even denied a job. Through Upward Bound Financial Solutions, Jessie Bickerton helps remove items from credit reports including student loans, bankruptcies, tax liens, lawsuits, late payments, and more. Jessie Bickerton also provides tools and resources to build and maintain a client’s gateway to financial freedom. In addition to credit consulting, Upward Bound Financial Solutions also features tax preparation. They are also in the process of becoming Student Loan Specialists to assist with consolidation, default rehabilitation, payment reductions, and student loan forgiveness.


Dominion Credit Solutions

Name: Rodney R. Roberts

Rodney R. Roberts and Dominion Credit Solutions are changing lives as they teach people how to take their buying power back through financial literacy. Understand positive credit is just away to acquire wealth and build assets. All credit can be repaired, rebuilt and restored it just takes time! Visit us at

Good Life Credit Pros

Good Life Credit Pros founded by Evelyn Tolliver based out of California has helped thousands raise their scores to become homeowners, business owners, and new car owners. Ultimately saving thousands of dollars for their clients in interest. Specializing in credit restoration, debt elimination, tax services, personal and business credit building, and financial education. The team at Good Life Credit Pros is helping people improve their credit scores through a legally proven strategy to remove negative items. Offering monthly plans, one-time payments to cater to everyone’s budget. They are committed to helping the everyday people strive for financial freedom and credit worthiness.

Good life credit pros

Founder Evelyn Renee Tolliver



Taylor Kelly Owner of TK MELANIN ENTERPRISE one of the top credit restoration agencies located in Florida. We are a company that’s not only about credit restoration. But also about building generational wealth & a better mindset. We want each one of our clients to have the knowledge & financial freedom to make generational wealth a tradition. We thrive every day to change the current and next generation’s future. We also have an amazing program for our low-income  mothers that need our highly top rated services most. Their children are our future. Let’s set them up for success.

Major Wealth Financials

Major Wealth Financials is one of the most highly recommended credit repair companies in the heart of Antioch, CA. We work with the credit bureaus and creditors to fix and rebuild tarnished credit. Jenea and her team is highly dedicated to ensuring you attain the highest credit score possible and will work on your individual case to remove inaccurate information on your credit reports. We set high expectations for ourselves as a Credit Repair Company and take pride in knowing that so many people believe in us and that we are one of the BEST in the business. You can expect only the best service from our team of credit experts. We are here to assist you on the journey.

NR Credit Repair

Nakim Ra’Oof began working on his own credit goals. He began to develop his financial literacy by reading books, attending webinars, and working on his family’s credit reports.

He acquired a passion for credit building in 2015 and helping families recover and regain financial independence. He began his business NR Credit Repair in 2016 so that he could help more people achieve their financial goals in his neighborhood. His business focuses on ensuring that each customer is informed about keeping a good credit record and building wealth. With his customers, he displayed loyalty and consistency that encouraged his customers to continue bringing business from family, friends and associates.

He continued to educate himself by successfully completing educational courses that were beneficial not only to him, but also to his clients. He is well known for always delivering exceptional customer loyalty, honesty, and ethics.

He has had a huge positive effect on the lives of his client, having supported clients in restoring their credit profile, he goes the extra mile by offering the value of credit and growing credit scores to his client

(The above story first appeared on LatestLY on Dec 05, 2020 02:43 PM IST. For more news and updates on politics, world, sports, entertainment and lifestyle, log on to our website

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Credit Repair Companies

Exchanging One Business World For Another, Timo Wilson Shows That You Can Find Success No Matter What You Do If You Have The Right Mindset –



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