Note: We receive a commission for purchases made through the links on this site. Our sponsors, however, do not influence our editorial content in any way. is an odd offering when it comes to credit repair, in that it doesn’t follow the rules of traditional credit repair companies. First, it only offers one pricing option, which isn’t unusual on its own, except the services that usually offer only one price are offering the basic rate for the basic services., on the other hand, has a higher price point and offers a lot of extras with its service, which makes it cheaper than other high-end offerings, but more expensive than the basic services.

How Does Work?

The application process for is very similar to other credit repair services. You fill out an application online (or have a phone operator help you through the process) and submit it. Then will actually pull your credit report for you, which most other credit repair services don’t do.

After, a representative will reach out to you and go over your report so you both can discuss the areas that need improvement. Agents will then try to have those items removed from your report. Generally, they go about this by doing one or more of the following: negotiate with your lenders, dispute the items, fix any errors or go after any legal loopholes within credit repair law. This process is repeated every month until you are satisfied.

In addition, you will be introduced to’s user interface, which includes a score tracker and analysis of how your score is doing. You also get the mobile app which will help you track your score as well.

You also get monthly credit report monitoring services, as well as identity theft protection services, to keep your personal information protected. You also will get information on how to keep your credit score healthy yourself.

Is Legit?

This is probably one of the biggest questions when it comes to credit repair. There are a lot of scams out there when it comes to credit repair, and even the most reputable services can be very sales driven, even if they stay within the legal guidelines.

The good news is there are legal guidelines that credit repair services must follow. According to the government’s Credit Repair Organization Act, there are rules that every credit repair agency has to follow in order to be legit. If your credit repair company doesn’t follow any of these rules, it may be a scam:

  • Credit repair agencies cannot ask for payment up front without completing the work first. (This does not apply to initial payments to begin the work.)
  • All contracts between you and the credit repair agency must be in writing. If anything is not in writing, don’t believe it.
  • All credit repair agencies need to have an easy cancellation policy. Most legit credit repair agencies have month-to-month contracts because of this rule, so you can cancel any time.

Keep these rules in mind when choosing a credit repair service. does adhere to all of these rules. You won’t pay anything until the agreed upon work as been completed. It will send you your contract in writing before any work is done, and you can cancel at any time.

Common Reviews

Since it offers limited package options and has a high price tag, usually isn’t at the top of anyone’s credit repair review list, especially with services like Sky Blue and Lexington Law in the field. Most reviews of the service are actually pretty positive. The reason it doesn’t usually rank well is because it offers limited options. has amassed the same negative reviews that most credit repair companies have, mostly centered around timing and no significant rise in credit score. As we’ve explained in other reviews, credit repair companies cannot dispute all of your negative items at once without getting flack from the credit bureaus. And there is absolutely no guarantee of a credit score rise with any credit repair service. Everyone’s credit report history is different, and if the normal credit repair tactics don’t work on your lenders or the credit bureaus, you may not see an increase in your score.

There are negative reviews that are related to how the business operates as opposed to credit repair laws, and those seem legitimate, but they are few and far between. The best advice is to go into any credit repair experience with eyes open and cancel any time you feel like you might not be getting the best service.

Is Right For You?

There are a couple of questions you need to ask yourself before deciding if is right for you:

  • How involved do I want to be?
  • How much money do I have to spend?
  • Do I need extras like credit report monitoring or identity theft?
  • What am I hoping to get out of this service?

The first thing to think about is your involvement. Many people want to hire a credit repair company, have them fix the issues and not have to worry about it. Others like to be involved in the process. If that is you, is the best choice. With its user-friendly interface, score tracker and analysis, and mobile app, you get a transparent look at what is happening and how your score is doing in real time. is obviously more expensive than many other credit repair services, so if you aren’t willing to shell out about $100 a month, you might have to look for a different credit repair service. already monitors your score, but being able to monitor your credit reports as well is helpful in seeing what is being removed or changed on each report. And identity theft protection is always a good thing to have, so if you already are leaning toward, it’s a nice extra bonus to have.

Like most other reputable credit repair services, is not a quick fix for your credit score. Its main focus is to improve your score the right way, which can take time. If your main focus is fixing your score properly, and you want to be involved in the process, is your first choice.

About the Author

Jeff Hindenach

Jeff Hindenach is the co-founder of Versus Reviews. He graduated from Bowling Green State University with a Bachelor's Degree in Journalism. He has a long history of journalism, with a background writing for newspapers such as the San Jose Mercury News and San Francisco Examiner, as well as writing for The Huffington Post, New York Times, Business Insider, CNBC, Newsday and The Street. He believes in giving readers the tools they need to get out of debt.