Review: Is It Worth the Money? | CreditShout Review: Is It Worth the Money? Review: Is It Worth the Money?


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If you are looking to fix your credit and improve your credit score, you may be considering using a credit repair service. There are some worthwhile services out there. And one of those is

Like any other service, before selecting, you need to evaluate both (1) can they help you repair your credit, and (2) is it worth the money?

After talking with representatives of, I am convinced they can help a lot of consumers. In fact, their strategies have helped their members see an average of 11.6 negative items removed from their reports in just 4 months. And seen an average gain in their TransUnion credit scores of 40 points over those same four months. Of course, results may vary.

And all ​callers can receive a free credit consultation, which includes a free credit report and credit score.

I think this consultation will offer you a great opportunity to see just how much can do to help you out, and how valuable their serve is.

You can reach them by phone at (844) 346-3175 or via their website.

If you do call, their call center hours are:

  • Monday - Friday: 7 a.m. - Midnight ET
  • Saturday: 9 a.m. - 11 p.m. ET
  • Sunday: 9 a.m. - 10 p.m. ET

Choosing a Legitimate Credit Repair Service

Before going into the review of, I think it's important to first make the distinction between legitimate and fly-by-night credit repair companies. Not all credit repair companies are created equal so it's important to first make sure you aren't signing up for a scam.

The credit repair industry has a bad reputation, largely due to companies that flout the law. For every reputable credit repair agency, there are likely several more that are little more than scams. While many companies that claim to fix your credit will do little more than take your money and provide the bare minimum of services (if any), there are a few reliable and legitimate companies that have stood the test of time and offer a real service. 

We previously warned you to stay away from these types of scammy services here and here.

And we also previously advised you on how to select a reputable service, and what the red flags are to watch out for. And when you go through that process, you will see that makes the grade.

  • What is the company's reputation? Check for consumer complaints and find out if the company has a Better Business Bureau (BBB) rating. If the company has a poor rating with the BBB or searches for its name turn up consumer complaint sites, stay away. has an "A+" rating with the BBB.
  • How long has the company been in business? While longevity does not necessarily guarantee a reliable company, it's a good sign. Scammers usually do not last long and typically make it hard to find out the history of the company. has been in business for 18 years.
  • Are you required to pay for services up-front? The Credit Repair Organization Act prohibits credit repair companies from accepting payment for services in advance.
  • Are you informed that you can repair your credit yourself? Consumers have the right to order their credit reports and dispute charges on their own.
  • Are you advised to do anything illegal? A reputable company will never advise you to create a "new" credit identity. This practice, known as file segregation, is illegal. Do not work with a company that suggests you apply for an Employer Identification Number to use rather than your social security number or anything else that seems shady. Following this advice means you may be committing fraud. is a legitimate credit repair company that has been around since 1997. They are licensed to do business in Alabama, Alaska, Arizona, Arkansas, California, Connecticut, DC, Delaware, Florida, Hawaii, Illinois, Indiana, Iowa, Kentucky, Louisiana, Massachusetts, Missouri, Montana, Minnesota, Nebraska, Nevada, New Hampshire, New Jersey, New Mexico, New York, North Carolina, North Dakota, Oklahoma, Pennsylvania, Rhode Island, South Dakota, Tennessee, Texas, Utah, Vermont, Virginia, Washington, West Virginia, Wyoming.

And we think they can help you fix your credit report and improve your credit score.

So, without further ado, here's how their services work and how they compare to the competition.

Why Use

First off, has partnered with TransUnion and Equifax, two of the three major credit bureaus, to help clients ensure their credit reports are accurate. So they will get you results, and they will get you results fast.

Additionally, takes a unique approach to credit repair. Each member (which is how they refer to their customers) works with a team to develop a customized plan of action. This team of experts will develop a strategy to address common problems like:

  • Bankruptcy credit repair
  • Identity theft damage
  • Charge-offs
  • Judgments and liens
  • Late payments
  • Inaccurate credit information charges a monthly fee of $89.95 that includes a personal credit advisor, a personalized credit repair plan, credit reports, credit score tracking and analysis, TransUnion credit monitoring, a personal dashboard, and mobile apps with alerts. And typical customers complete their program in 3 or 4 months.

It's important to note that has no hidden fees and no contracts. You can cancel your membership at any time.

How Helps You Fix Your Credit Score uses a three-step plan to help members improve their credit rating.

1. Check Your Credit

The first step is checking your current credit situation. After signing up for service, will pull your credit reports and organize the information to help you identify problems you need to correct or challenge. This information will be used to develop a personalized plan of action to reach your goals.

2. Challenge

Depending on the problems discovered on your credit reports, will work with credit bureaus to dispute inaccurate information on your behalf. There are many reasons information on your credit report may be erroneous. For example, charge-offs or collection accounts may have an incorrect balance, accounts may have wrong dates listed, you may have late payments when you paid on time, or the debt may not even belong to you.

3. Change will help you identify problem areas on your credit reports and advise you on the best course of action. This stage of the process may include:

  • Sending goodwill letters to creditors to remove negative information such as late payments.
  • Negotiating with collection agencies to remove negative information in exchange for payment.
  • Debt validation requests from creditors.

According to, its members have seen an average of 11.6 negative items removed in 4 months while past members have had 7% of questionable negative marks removed each month. And members typically see over 20% of their questionable credit report negatives removed within 90 days. (Of course, individual results may vary.)

How it Compares

There really is no comparison with competitors. This is because the two leading companies in credit repair, and Lexington Law, are both owned by the same company. The difference is that wach company offers a different approach to credit repair although they both have a similar pricing model and reputation.

Lexington Law is a law firm specializing in credit repair. Like, the company has an "A" rating from the BBB, although it offers several packages. But the service it offers is a premium and more expensive alternative because Lexington Law will assign paralegals and attorneys to your case. is usually the more affordable option as it includes the same services as Concord Standard from Lexington Law, plus extras, including a dashboard to track your credit, monthly credit score tracking and credit reports, and mobile and email alerts. The main difference is no attorneys or paralegals will be assigned to your case.

Is it Worth the Fee?

If you understand that you can repair your credit on your own, but you'd prefer to let experts handle it for you -- and potentially get the job done faster and with fewer mistakes -- may be what you're looking for. is one of the few reputable credit repair agencies that does what it says it will: help you find credible and effective solutions to improve your credit.

You can receive a free credit consultation by contacting - and call center hours and the phone number are posted just below. This free consultation includes your credit score and credit report at no cost. The company also offers a household and family discount; both members will receive $50 off the first service fee. offers plenty of extra services like monthly credit monitoring, mobile alerts, credit score tracking, and a user-friendly interactive interface that make it worth the cost.

How to Contact operates a call center, which you can reach at (844) 346-3175.

​Call Center Hours are:

  • Monday - Friday: 7 a.m. - Midnight Eastern Time
  • Saturday: 9 a.m. - 11 p.m. Eastern Time
  • Sunday: 9 a.m. - 10 p.m. Eastern Time

Or click here to visit their website.

The editorial content on this page is not provided by any of the companies mentioned and has not been reviewed, approved or otherwise endorsed by any of these entities. Opinions expressed here are the author's alone. Additionally, the opinions of the commenters are not necessarily the opinions of this site


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