FinMasters content is free. When you purchase through referral links on our site, we earn a commission. Learn More has been an industry leader in providing credit repair services for many years. They are known for their simple business model that includes a straight forward three-step approach, and they offer only a single credit repair plan. However, in May of 2019, Credit and their sister company, Lexington Law, 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.

8.9 out of 10 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. 



Education Resources


Small Initial Fee


'F' Rating With BBB

Pending Gov Lawsuit

Business Ethics

Who Is

The two most commonly googled 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 their customers remove negative items from their credit files using their three-step system.

  1. CHECK – review credit file
  2. CHALLENGE – dispute negative records
  3. 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.

What Does Cover? has kept their 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 anytime. 

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 Cost 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 Rating
Credit Knocks Reviews Avg. Rating3.8
Google Reviews Avg. Rating4.1
Top Ten Reviews Avg. Rating3.7
Better Business Bureau Avg. Rating2.5
Consumer Affairs Reviews Avg. Rating3.6
Best Company Reviews Avg. Rating3.9

*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 complaint from customers and quetionable adversting 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 but are 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. 

Further more, 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 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 doing the work yourself is the best alternative.

We have created a step by step guide you can use to boost your credit score anywhere from 50 to 100 points in 30 Days.

You can also check out our Credit Building Weapons where we show you the best free and paid ways to build your credit.

Last but not least you can join our 90 Day Credit Sprint Challenge which is also free to join and participate in. 

The best thing these different approaches is that it won’t cost you a monthly fee or a sign up fee to start the process.

You might have to spend money on obtaining a secured card or a credit builder loan; however, you don’t pay anything directly to Credit Knocks.

Our best credit repair alternative to is Credit Saint based on thousands of reviews. 

Another option you may also consider is The Credit Pros, while their overall average customer reviews rating is similar to, they have not been sued by a government agency for shady practices. 

Taking Action On Your Credit

Hopefully, you found the Review we wrote to be helpful because 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. 

Start establishing or rebuilding your credit today with the help of our top rated credit repair company, Credit Saint

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.