Review 2024: Pros, Cons, Fees & Alternatives

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    If you’re struggling with bad credit, enlisting the help of credit restoration services can be a strategic move. These services assess your credit situation, liaise with the major credit bureaus, and may remove negative items from your credit report.

    One notable option in the industry is This review will help you determine if it aligns with your financial goals. Continue reading to gain more insights, or consider checking out this guide first to understand why credit repair isn’t a scam.

    >> Improve Credit Rating With >>

    What Is provides credit repair services to help individuals enhance their credit scores. The company offers tools and resources to assist customers in identifying and disputing inaccuracies on their credit reports that can adversely affect their scores.

    The typical process involves analyzing credit reports, pinpointing errors, and then collaborating with credit bureaus to dispute and rectify these inaccuracies. may offer advice on better credit management, including budgeting and financial responsibility tips, to help clients build a healthier financial future. Overview operates as a Utah-based PGX Holdings, Inc. subsidiary, which also conducts business under Progrexion. This parent company also owns another notable credit repair service, Lexington Law.

    Since its inception in 2012, has reportedly assisted nearly one million customers, helping remove over five million collections from their credit reports. While the company maintains physical offices in Salt Lake City and Phoenix, it offers services across 38 states via online platforms and phone communications. However, services are unavailable in Colorado, Georgia, Kansas, Maine, Maryland, Michigan, Minnesota, Mississippi, Ohio, Oregon, South Carolina, and Wisconsin. provides three distinct service plans, with initial and monthly fees ranging from $69.95 to $119.95. Although the company doesn’t guarantee its services, it offers prospective clients a complimentary credit evaluation.

    This evaluation covers your current credit score, a rundown of negative items on your credit report, and tailored solutions for addressing these issues to improve your credit. Clients can cancel their service at any time by calling the toll-free number.

    >> Visit >> Pros & Cons

    Pros Explained

    According to’s website, over 70% of their customers experience a credit score increase within six months of using their services, with an average score boost of 40 points. This increase could significantly affect your ability to qualify for future loans. However, a score increase isn’t guaranteed for everyone who uses

    The company also offers a wealth of educational resources on its website, which can help you manage your credit more effectively in the future. These resources cover many topics, from removing negative items on your credit report to negotiating with debt collectors. provides multiple service packages, allowing you to tailor the credit repair process to your specific needs and budget. You can opt for a more economical plan or a higher-tier one that includes advanced services like cease-and-desist interventions, depending on what best suits your situation.

    Cons Explained isn’t available in all states, so if you’re located in any of the following, you won’t be able to use their services for credit disputes:

    • Colorado
    • Georgia
    • Kansas
    • Maine
    • Maryland
    • Michigan
    • Minnesota
    • Mississippi
    • Ohio
    • Oregon
    • Wisconsin doesn’t offer a money-back guarantee. While this is common among credit repair services, if a money-back guarantee is crucial for you, you might need to explore other top credit monitoring services that offer refunds under certain conditions. This feature can provide peace of mind and assurance when choosing a credit repair service.

    >> Consider to Repair Credit Rating >> Features offers a range of services that are standard across the credit repair industry. Here’s what you can expect when you engage their services:

    • Bureau Challenges and Inquiry Assists: You can challenge various items on your credit report such as collections, late payments, charge-offs, repossessions, and credit inquiries. Although you can technically handle these disputes yourself, using a credit repair agency like can be advantageous if you need more time, expertise, or confidence to do so effectively.
    • Goodwill/Creditor Interventions: If you have late payments on your accounts, can assist you in writing to your creditor to request the removal of these late payments from your credit report, contingent on your commitment to future on-time payments.
    • Cease and Desist Interventions: can help you get temporary relief from debt collectors while you settle your debts. This intervention doesn’t reduce the debt but can provide you with some breathing space.
    • Identity Theft Protection: Similar to other services in the market, their identity theft protection can alert you to potential security risks, help mitigate the effects of identity theft incidents, and cover some costs associated with recovering your identity.
    • Member Support: You can reach’s customer support via phone (800-232-6499) or online chat, available Monday to Friday from 7:00 am to 7:00 pm MST. They’re ready to assist with inquiries, whether you’re a signed-up member.
    • Credit Education: offers a wealth of educational content for free, including articles, how-to guides, and templates available on their website and YouTube channel. These resources cover a broad spectrum of credit-related topics and are accessible to everyone, regardless of whether you choose to use their services.

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    Types of Services

    If you’re dealing with poor credit, might help boost your credit score. The company reports that previous members have experienced an average score increase of 40 points within four months.

    However, it’s important to remember that outcomes can differ. Factors such as your starting credit score, the duration of your credit history, and your current credit practices can influence the improvements in your score.

    Bureau Challenges

    If your credit reports contain inaccurate information, will collaborate with the three credit bureaus to get that information removed.

    Debt Validation

    If you have delinquent debt or are in default, will send a debt validation letter to the creditor on your behalf. The creditor is then required to provide proof that the debt belongs to you and is current. If they’re unable to verify the debt, it can be removed from your credit report.

    Goodwill Intervention

    If you have open accounts with late payments, can assist you in crafting a goodwill intervention letter. This strategy involves politely requesting that your creditor remove the late payment from your credit reports.

    In exchange, you commit to making your future payments on time. This can be an effective approach to improving your credit score while maintaining a positive relationship with your creditor.

    FICO Score Updates provides regular FICO score updates, allowing you to monitor your credit repair progress.

    Cease and Desist Intervention

    If you’re experiencing harassment from debt collectors, can help by sending a cease-and-desist letter on your behalf. This letter will request that the collectors stop contacting you while you work out a repayment plan. While this won’t eliminate your debt, it can help lessen the frequency of unwanted calls.

    Optional Add-Ons

    Based on the service tier you select, you can access identity theft protection and identity theft insurance.

    >> Consider to Repair Credit Rating >> Plans provides three different service plans, each with its own set of features and pricing. Here’s a breakdown of what each plan offers:

    Direct Plan
    This is’s entry-level option. It includes help with challenging credit bureau entries, inquiries, goodwill interventions, and updates on your credit score every quarter.

    Standard Plan
    The mid-level package, the Standard Plan, builds on the Direct Plan by adding a FICO score inquiry assist service. This feature allows you to challenge inaccurate and unfair inquiries on your credit report, potentially leading to a more significant improvement in your credit score.

    Advanced Plan
    As the most comprehensive and costly option, the Advanced Plan encompasses all the features of the Direct and Standard Plans. It offers monthly credit score updates and provides a greater number of challenges and cease-and-desist interventions to support your credit repair efforts further.

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    How Much Does Cost?

    Monthly fees for’s packages vary from $69.95 to $119.95, with an equivalent first-work fee matching the monthly rate for each package. These prices are in line with the industry average, where some companies may charge more or less for similar services. provides a 50% discount on the first-work fee for veterans and active military members. This discount can also apply if you sign up through a referral or enroll alongside a friend or family member. It’s a good idea to look for these discounts before signing up.

    If you find that isn’t meeting your needs or if you no longer require their services, you can terminate your agreement by calling 1-800-232-6499. Though, that there’s no satisfaction guarantee, so you shouldn’t expect a refund upon cancellation.

    How to Sign Up for

    CreditRepair Sign-up Page

    Before considering a credit repair service, it’s wise to obtain copies of your credit report from each of the three major credit bureaus. Normally, these reports are free once per year, but through the end of 2024, you can request them weekly at no cost.

    With your credit reports in hand, review them for any inaccuracies, such as misreported late payments, duplicate accounts, or typos. If you find errors, you can either address them directly with the credit bureaus or enlist a credit repair service to handle disputes on your behalf. Only incorrect, unfair, or unverified information can be challenged. Accurate negative information cannot be removed simply because it’s detrimental to your credit score.

    If you decide to use, signing up is straightforward: just fill out an online form, and they will contact you to finalize your enrollment.

    Regarding the financial stability of, founded in 1997, has been providing credit repair services for a long time. However, it currently faces a $3.1 billion class action lawsuit, which could affect its future operations.

    Engagements with credit repair services like are brief, often lasting just one or two months. This short-term commitment minimizes the risk associated with any potential financial instability of the service provider. Thus, while it’s good to be aware of these financial considerations, they may not necessarily weigh heavily in your decision to use their services.

    >> Visit Sign Up for >> Accessibility offers a wealth of credit education resources on its website, available for free. These resources help you better understand your credit situation and guide you on how to improve it.

    However, operates only online. Therefore, you’ll need to be comfortable interacting with their representatives via the Internet, as in-person services aren’t available.

    Availability offers its services in all states except for those previously mentioned. The company provides consultation services and support for all major credit bureaus, including Experian, Equifax, and TransUnion. Whether you’re facing issues with one or all three credit bureaus, is equipped to assist you.

    Contact Information

    You can reach through their online live chat service or by phone at 1-800-232-6499. Customer support is available Monday through Friday from 7:00 a.m. to 7:00 p.m. MST. Please note that there’s no customer support available on weekends.

    User Experience offers a robust user experience. Their website is user-friendly and packed with resources that provide guidance on repairing bad credit, disputing errors on your credit report, and other useful tips. For those who prefer managing their account on the go, has a mobile app available for download on both iOS and Google Play stores.

    If you decide to cancel your service with, the process is straightforward and can be completed either online or over the phone. Importantly, there are no long-term contracts, which means you won’t be locked into a plan if your needs change or if you’re dissatisfied with the service.

    >> Consider to Repair Credit Rating >>  Reviews From Real Users – How Legit Is It? is recognized as a dependable online LLC formation service, receiving numerous positive reviews from its satisfied clients. Let’s explore some testimonials posted on Customer Affairs. has a 3.9 out of 5-star rating. 

    Alternatives to The Credit People

    Lexington Law – Best for Transparency

    Lexington Law has been a prominent player in the credit repair industry for over 15 years, earning a reputation as one of the most trusted companies in the field. Founded with the mission to “revolutionize the credit repair industry by providing ethical and effective credit repair to consumers in need,” Lexington Law offers three distinct service packages designed to help clients improve their credit and achieve their financial goals.

    The firm concentrates on four key areas to aid credit building: credit report analysis, credit disputing, dispute escalation, and credit score analysis and monitoring.

    Lexington Law provides an advantage by waiving the setup fee, with packages beginning at $95.95. Veterans and active military members are eligible for a 50% discount on the first-work fee. Lexington Law extends a family or household discount, offering a one-time 50% discount for a customer’s spouse when both sign up for services together.

    >> Consider Lexington Law to Repair Credit Rating >>

    Credit Saint – Best Simple Credit Repair Options

    Credit Saint has established a solid reputation over 17 years in the credit repair industry. The company offers a free consultation to new customers and manages all interactions with the credit bureaus once a customer chooses to proceed with one of their packages.

    Customers have the option to select from three different packages, starting at $79.99 per month with a minimum setup fee of $99. This flexibility allows individuals to choose the level of service that best suits their credit repair needs.

    >> Consider Credit Saint to Repair Credit Rating >>

    Sky Blue – Best for Budget Option

    Sky Blue Credit Repair

    Sky Blue has been providing credit repair services since 1989, boasting over 30 years of experience. Their process aligns with standard industry practices. After you sign up, Sky Blue reviews your credit report to identify any disputable items. During this initial phase, they also offer practical, personalized advice to help you rebuild your credit.

    Following the review, Sky Blue will challenge incorrect entries with the three credit bureaus. Should any disputes be initially rejected, Sky Blue automatically sends repeat dispute letters to enhance your chances of improving your credit score.

    >> Consider Sky Blue to Repair Credit Rating >> Review – Frequently Asked Questions

    Bottom Line is well-regarded by many customers for its effectiveness in improving credit scores. The company offers various service levels to fit different budgets and provides online tools and a mobile app for convenient account management and credit score monitoring.

    However, is currently involved in a lawsuit with the Consumer Financial Protection Bureau (CFPB) concerning its business practices and fees. This situation underscores the need for caution and thorough consideration of all options, as many companies in the credit repair industry may operate with similar practices.

    >> Best Credit Repair Company >>