has been an industry leader in providing credit repair services for many years. They are known for their simple business model that includes a straightforward three-step approach, and they offer only a single credit repair plan.

In May of 2019, Credit, their sister company, Lexington Law, and parent company Progrexion Inc. were hit with a lawsuit from the Consumer Financial Protection Bureau for deceptive marketing practices that may affect your decision on which credit repair company to choose. has a proven business model that can get results quickly. 

Their customers rave about their credit education resources and innovative technology accessed through a mobile app. 

However, based on customer reviews and a lawsuit that corroborates said reviews, choosing another credit repair company might be a more prudent choice. 

Who Is

The two most commonly searched questions are “Who is” and “What does do?” has been in business since 2012 and is owned by parent company Progrexion. 

Progexion also owns Lexington Law credit repair services, the largest company in the industry. 

All three of these businesses were named in the government lawsuit filed by CFPB for questionable marketing practices in May 2019.  

If you’d like to read more about the latest news on the Lexington Law and lawsuit click here. 

They provide credit repair services by following a simple three-step process to dispute records that appear to be inaccurate, unfair, or invalid. 

What Makes Them Different?

Credit helps its customers remove negative items from their credit files using their three-step system.

  • CHECK – review credit file
  • CHALLENGE – dispute negative records
  • CHANGE – track credit score progress
  • They have developed an excellent set of credit education resources that include categories such as credit building, debt solutions, and budgeting.

    Their credit restoration package comes with credit monitoring, and identity theft protection through TransUnion, a perk most other credit repair companies do not cover. offers some of the more innovative technology to its customers with access to a personal online dashboard, credit score tracker, mobile app, and email or text alerts.

    2019 Lawsuit

    The Bureau for Consumer Financial Protection (CFPB) filed a complaint against, Lexington Law, and their parent company Progrexion Inc. in May of 2019.

    The lawsuit does not allege that has failed to deliver credit repair services. Instead, it focuses on some quite disturbing practices that this group of companies has allegedly used to recruit new clients.

    In the lawsuit, they allege that Progrexion (doing business as Lexington Law and engaged or was complicit in deceptive and abusive marketing practices. There are many more very troubling and unethical business practices alleged in the 48-page complaint which you can read for yourself here.

    The law firm has several affiliate companies that make money by finding prospective customers and referring them to Lexington and for their credit repair services. 

    Fake Rent-to-Own Housing

    Progrexion’s largest affiliate would advertise on CraigsList or Facebook that they had ‘Rent to Own’ opportunities available, when, in fact, they did not have any housing for rent. 

    When people would call to inquire into the ‘Rent to Own’ housing, the affiliate would ask them qualifying questions. 

    Instead of asking questions that would be typical of a possible ‘Rent to Own’ tenant, they asked them the qualifying questions necessary for Lexington Law to pay them a commission. 

    The potential tenant would then be told that they did not qualify because of bad credit, even though they never ran a credit check. 

    However, they would tell them that if they signed up for credit repair services, they would then be guaranteed to qualify for the ‘Rent to Own’ program. 

    Smoking Gun E-Mails: Management Knew

    Executives and management staff exchanged multiple emails amongst themselves and the affiliate that indicate that they were involved in this scam or at the least knew of it and did nothing. 

    In one instance, staff exchanged emails discussing how the affiliate’s script included promises that were clearly deceptive and contrary to CFPB rules. 

    Instead of demanding the affiliate to cease and desist, they tried to find a way for associates to not be on the phone with the affiliate when the client was illegally misled to specifically induce the client to sign up for credit repair services. 

    This case has yet to be settled, but the allegations are serious and cast doubt on the business ethics of the companies involved. While Lexington Law and have gotten results for some clients, we’d suggest choosing companies with better track records.

    👉 There are many more very troubling and unethical business practices alleged in the 48-page complaint which you can read for yourself here.

    What Does Cover? has kept its product offerings as simple as possible, as they only offer one credit repair package. 

    Below we discuss their plan in detail: Plan

    Their credit repair plan includes all of the following:

    • Personal Online Dashboard
    • Credit Score Tracker & Analysis
    • Mobile App Account Access
    • Cancel Anytime
    • Dispute Negative Records
    • Toll Free Support
    • Text & Email Alerts
    • TransUnion Credit Monitoring

    This plan will cover your credit restoration needs at an affordable price. 

    What Does Credit NOT Cover?

    They cannot guarantee you a specific outcome with your credit but you can cancel at any time. 

    They legally can’t guarantee what will happen to your credit due to laws within the Credit Repair Organizations Act (CROA). 

    They also probably won’t be able to help with: 

    Student Loan Removal

    Unless you are having a financial burden or can find a loan forgiveness program, the possibility of getting a student loan removed from your credit is going to be nearly impossible.

    There are things you can do to lessen the blow of a student loan and Credit can help with that.

    Because of the guidelines laid out by the CROA, no credit repair company can Guarantee the fixing of bad credit.

    How Much Does Cost? is one of the few restoration companies that does not charge an upfront work fee. 

    In fact, the only initial fee they charge is used to purchase your credit report from the three major credit agencies. 

    These guys have the simplest pricing plan as they only offer one option. 

    Below is a detailed breakdown of the pricing for their plan and their initial startup fee:

    PlanInitial Credit ReportMonthly Plan


    $99.99 Reviews

    The longer we find a company has been in the credit repair industry, the more opportunity they will have to collect negative reviews. has been in business since 2012 and has quite a few negative complaints claiming that the service was ineffective or that they were guaranteed successes that never came. 

    The positive reviews speak of their industry-leading technology, higher credit scores, and their credit education section. 

    We gathered customer review averages from the most trusted websites which gave Reviews a 3.6 customer average rating. 

    This rating puts them in the bottom of the pack for credit repair companies that we reviewed.

    Trusted ReviewsCustomer Average RatingCredit Knocks Reviews Avg. Rating3.8Google Reviews Avg. Rating4.1Top Ten Reviews Avg. Rating3.7Better Business Bureau Avg. Rating2.5Consumer Affairs Reviews Avg. Rating3.6Best Company Reviews Avg. Rating3.9CUSTOMER REVIEWS AVG. RATING3.6

    *We were unable to find customer reviews for Yelp  and substituted  Top Ten customers review average.

    Better Business Bureau Rating (BBB)

    The Better Business Bureau, more commonly referred to simply as the BBB, is an ethical marketplace where buyers can review sellers’ ratings and see what others are saying in the reviews. BBB rating is an F due to multiple unanswered complaints from customers and questionable advertising practices.   

    Reading BBB Reviews include many troubling common complaints like an apparent continuing problem of customers being led to believe the monthly price is $49.99 while they ar actually charged $99.99 a month. Phone Number & Address headquarters is located in West Valley City, Utah. 

    You can find them at 2850 S Decker Lake Dr, West Valley City, UT 84119, the same address used for Lexington Law. 

    They can be reached 24 hours a day by dialing the toll-free Phone Number 866-731-4156.

    Who Is Credit For? 

    Individuals or Couples with bad credit

    Credit restoration is mainly for people who have bad credit, if you need to get better credit so that you can get that new car or move into an apartment or home, they can help.

    With better credit, you can also get better employment opportunities as people do review your credit for certain jobs.

    Credit repair can also help a young couple looking to move to a new house but cannot afford or accept the terms of a mortgage because of pricing reasons due to a low credit score.

    Mortgage lenders determine the terms of the loan based on your credit score and report. The higher the score, the better the terms and lower the cost of the loan. Guarantee

    Credit does not provide any money-back guarantees if you are unhappy with their services. 

    Furthermore, if you choose to cancel your monthly membership fee will not be pro-rated so there will be no refund. 

    What To Expect After You Sign Up

    After your consultation, you will be charged a one-time fee of $14.95 for them to obtain your credit reports from Equifax, TransUnion, and Experian. 

    Your credit repair expert will contact you within 48 hours of signup.  

    Together you will determine realistic goals and review your credit reports to identify negative records that may be inaccurate, unfair, or invalid. will take the necessary steps to dispute these records on your behalf. 

    You will be able to track your progress by using their mobile app to access your online dashboard, credit score tracker, and manage text/email alerts.

    Helpful Tip

    You should upload all of your documents, the sooner they receive the information the better results you will have overall.

    How To Cancel

    The fastest way to cancel is to contact member services directly by phone at:  (800) 232-6499 between the hours of 8 a.m. – Midnight (EST) M-F or Saturday between 9 a.m. – 11 p.m. (EST). 

    Cancellations will be processed immediately, however, they will not pro-rate your monthly service fee which will continue to give you access to your account until the end of the billing cycle. 

    You can also attempt to cancel by emailing [email protected] but most likely they will require you to speak with a representative. Availability

    There are some places where does not provide credit restoration and those states are: does not provide credit repair services to the following states:  Maryland, Michigan, and Wisconsin. 

    • Colorado
    • Georgia
    • Mississippi
    • Ohio
    • Kansas
    • Maryland
    • Minnesota
    • Oregon
    • South Carolina
    • Maine
    • Wisconsin
    • Michigan

    Best Alternative To

    While you might be expecting to see the name of some competitors, the truth is that for many people, doing the work yourself is the best alternative. If you have a relatively simple credit report with a small number of inaccurate entries, you can send the necessary dispute letters yourself.

    If your credit report is complex and has a large number of disputable issues, you may wish to consider other credit repair companies. We’ve reviewed some of the best in this article on the best credit repair companies for 2022.

    Taking Action On Your Credit

    Starting your credit journey can be complicated and confusing.

    There is no better time than now to get things started and the sooner you get your credit in a better position the better off you can obtain the things that have been eluding you. 

    Whether you choose to do it yourself or hire a credit repair company, the most important decision you can make is to start the process now! 

    Editorial Note: The editorial content on this page is not provided or commissioned by any financial institution. Any opinions, analyses, reviews, statements or recommendations expressed in this article are those of the author’s alone, and may not have been reviewed, approved or otherwise endorsed by any of these entities prior to publication.