BBB Rating







            • Affordable plan
            • Account access online
            • Exceptional support
            • A+ rating with the BBB
            • Discounts available


            • One plan - limited options



            First Work Fee$12.99 to obtain your credit reports.
            Monthly Fee$89.95


            Month-to-Month Contract
            Identity Theft Protection
            Registered with the Attorney General
            Refund Policy


            Credit Score Analysis
            Couple’s Discount
            Dedicated Account Manager
            Privacy Protection
            Payoff Resolution

            Help & Support

            Email Support
            Phone Support
            Online Registration
            Telephone Registration
            Online Account Management
            Online Chat

   is a company that specializes in fixing credit ratings and FICO scores on your credit reports. For the majority of people, figuring out how credit reports work is something that they aren’t able to handle themselves. The reason for this is that there isn’t a straight forward guide that they can rely on. In addition, many credit ratings are sub-par due to things like wrong information, unauthorized transactions and identity theft. The credit bureaus, which are in charge of credit ratings, are not interested in providing each person with the best possible report. They simply synthesize the information they have.

   can help its clients by providing the bureaus with additional positive information, and disputing some of the negative information that they are using. The way works is simple and effective. The company discusses with their clients the credit information, and decides what can be challenged and what can be improved. After this, it creates a personalized strategy for improving the credit rating. A person can have a 24/7 access to his or her status thanks to the mobile app, dashboard and notifications of change.

            There are two ways that can be contacted. The first one is via their website, and the second one is by phone. Both ways are quick and easy, so it really only comes down to a personal preferences of technology.

            Those who want to improve their credit scores can seek the help of professionals like But how can someone be sure that is the right choice for him or her? Making a Pros and Cons list always helps with tough decisions.

   have been in business for over 15 years. This makes them a reliable candidate for repairing and improving credit scores. The longer a company stays in business the more experience it gains and the better it becomes at providing customers with exactly what they need. Such long experience means that they are familiar with even the toughest and rarest cases.

            The company provides people with an affordable way to enhance their credit rating and start receiving better credit card offers and loan options.

   has an excellent BBB rating of A+. This makes the company a solid option for credit repair. Companies that do not provide quality services quickly begin to accumulate bad reviews, and their BBB score drops low.

            Another positive aspect of is that there are no long-term contracts, and the service is provided entirely on monthly subscriptions. Once a person decides he or she doesn’t need their services anymore, he or she can easily cancel their account.

            There are family/household discounts. When two people sign up together, both receive a discount of $50 for the first month.

   provides exceptional results for its clients. When clients try to improve their credit scores on their own, it usually takes over a year. With the help of things move much quicker. On average, over 11 bad items are removed from credit reports in just four months. It takes about three months for 20% of the bad credit items to be successfully disputed.


            + has had a good amount of history behind them as well. They have not been in business for as long as other companies, but they have been in business since 2004.

            + They have A+ rating with the BBB, which is exceptional given their size.

            + also has a wonderful website design and a simple process to sign up and get started right away.

            + A key point is that they have professionals helping you through the process on a constant basis.

            + Fantastic customer support.

            + They have been know to get results more effectively than other companies. The speed is not exceptionally quick, but it’s as quick as anyone else would be able to get the credit repair done in.

            + is a bit more affordable than it’s partner company Lexington Law and they offer a couples discount.


            – The main drawback with is that they have one set pricing. This can hinder the individuals looking for more flexibility and affordability in getting their credit repaired.

            Contact Information

   is located in Washington at:


            600 Stewart St STE 1100,
            Seattle, WA 98101



            Hours of Operation

            Monday – 7:00 am – 12:00 pm
            Tuesday – 7:00 am – 12:00 pm
            Wednesday – 7:00 am – 12:00 pm
            Thursday – 7:00 am – 12:00 pm
            Friday – 7:00 am – 12:00 pm
            Saturday 9:00 am – 11:00 pm
            Sunday 9:00 am – 10:00 pm

            Better Business Bureau

            Words from

            “ works to ensure that your credit scores and credit reports are in your own hands. By law, information reported about you to credit bureaus must be fair, accurate, relevant, substantiated and verifiable. Through our simple but powerful 3-step process, we help to ensure that credit companies can’t abuse these standards. Check, Challenge, Change.
            Since 1997, has assisted thousands of consumers in finding effective, credible solutions to their credit problems. puts industry-leading experience and technology to work, providing its members with in-depth online services, mobile apps, and a team of consumer credit experts who help them every step of the way.

            Callers can receive a free credit consultation, which includes a free credit report and credit score.

            Throughout the past 15 years, we’ve identified, reviewed and worked with several credit report repair processes and now we’ve bundled the best process into one powerful service. In addition, two of the nation’s largest credit bureaus, TransUnion and Equifax, have elected to join us in a strategic alliance to ensure that what’s being reported about you on your credit reports is fair and accurate.

            Using our strategies, members have seen an average 11.6 negative items removals in just 4 months. Past members have seen 7% of their questionable credit report negatives removed per month, and typically see over 20% of their questionable credit report negatives removed within 90 days. (Member results will vary)

            For a low monthly fee of $89.95, you get a credit reports and score, a personal credit advisor and credit repair game plan, tools to track your success 24/7, credit monitoring and more. There are no contracts or hidden fees.

            Each member will work with our team of experts to receive a game plan for their specific situation. This includes working to repair potential problems such as: inaccurate information; charge offs, bankruptcies and late payments; judgments and liens; identity theft; unauthorized inquiries; credit information such as balances, limits, etc.

            We offer a family and household discount, sign up together and receive $50 off the first service fee for both household members.”

            Steps & Necessary Information

            1. Signing Up and Opening Your Online Account

            When you sign up with, your credit reports will automatically be pulled for review. Then, immediately, one of their professional representatives will provide you with an analysis and a specific plan that will be designed for your needs. Once the analysis is complete and they have determined the erroneous and negative items on your credit reports, the next step begins.

            2. The Dispute Process

            The dispute process begins here. will send the disputes for each negative item on all 3 of your credit reports. The disputes are customized to ensure the maximum response from all 3 credit bureaus. From your online Account, you’ll be able to see the process and decide if you want to stay with them each month.

            3. Your Results Are In The Mail

            Once your about a month into the dispute process, you should start seeing your results in the mail. Because your credit repair updates are mailed to you directly, you’ll be able to see the process and the effects right away.

            What Sensitive Information Is Needed:

            1. Credit Reports
            2. Social Security Numbers
            3. Date of Birth
            4. IDs
            5. Debit Card or Credit Card


            Getting your credit repair and removing negative and erroneous items can greatly improve your credit rating, is exceptional at this. They have helped thousands of customers remove negative items off of their credit reports and they have implemented a simple and straightforward process. Although, if you do not have many negative items on your credit reports, improving your credit rating might be hard to do with

            With their innovative technology, offers a secure and professional process to resolving negative items and removing them off of your credit reports. Historically, customers of have seen an average of 7% of the questionable negative line items removed from their reports each month.

            In summary, is an exceptional company over all and they make it easy for the consumer to sign up and get their credit repair with them. With their online access and ability to check your account from anywhere, they make it easy to stay up to date with the results of your credit repair work.

            Although their pricing is very limited, you can potentially get a discount. Call or go to their website to get more information.