credit cards rewards

Are Points Rewards Credit Cards Worth It?

Rewards credit cards are those who offer miles, points, or even cash back with each purchase. Many people swear by this type of card, but others let the cards use them instead of using the cards, which only increases their debt-load. If you are not able to control your spending, it may not be a great choice for you. Those who pay off their credit cards each month will get more value from a rewards credit card.

Choosing a Rewards Credit Card

These credit cards advertise how many points that can be earned from signing up and spending, but often it is not clear what you get for these points. Even if you earn high points or miles, if the reward takes a million points or miles, then it is probably not worth it. The key is to find a card that works for your spending level and has excellent redemption values for the rewards you earn.

credit cards rewards

How Much Can You Earn?

In a 2018 U.S. News survey (Herzog, 2019), it was found that 53 percent of those who responded earned more than $300 in rewards value in just the first year. Twenty percent of those responded earned more than $1501 in a year, so if you use the card frequently, it can give you significant rewards.

Some cards offer a flat rate of earnings, while others earn bonus rewards for spending in certain categories. Understanding your rewards program is essential to getting the maximum value from it.

reward credit cards

How Can You Earn High Points?

The key to earning high points is using your credit cards instead of your debit card, cash, etc. Then pay it off at the end of the month. If this is done consistently, you can earn high points and earn rewards for many different things, including trips, cash, and more. Some have substantial sign-up bonuses of 50,000 points or more.

The key to getting the maximum value from a reward credit card is keeping the card paid off and using it as your main form of payment for everything. In this way, you can earn points and keep your debt low. Use the cards – don’t let them use you.

Work Cited

Herzog, B. (2019, October 17). U.S. News and World Report. Retrieved from U.S. News:

Citi® Double Cash Card

What to do if you’re a victim of credit card fraud

Nobody wants to find out they’ve become a victim of credit card fraud, and finding suspicious purchases on your card can be worrisome.

While some people may never experience credit card fraud, it happens every day. You may find yourself wondering how and where somebody compromised your card. Was it that gas station in the middle of nowhere? Maybe that online store you bought some clothes from? The truth is, it can be hard to tell.

In 2015, global credit, debit and prepaid card fraud amounted to $21.84 billion in losses, according to the Nilson Report. By 2020, the same report estimates that card fraud worldwide will reach a whopping $31.67 billion.

Your credit card information may be stored by retailers, and data networks of many retailers can be breached. So even if you haven’t used your card in months, it can be compromised, which is why it’s important to monitor your financial accounts regularly.

All of this may sound scary, but there is some good news. In most cases, credit card companies have safeguards designed to help protect you and your purchases from credit card fraud.

Perhaps the most prominent of these safeguards is the EMV chip — that small silver- or gold-colored chip embedded on the face of most new credit cards. Small but mighty, this chip’s processing method makes your transactions more secure and may help to reduce credit card fraud.

“Most card [networks] have moved to chip cards,” says John Ulzheimer, credit card expert and president of the Ulzheimer Group. The data backs him up. According to Visa’s chip card update published in March 2017, there are 421.1 million Visa® chip cards in the U.S. alone, a 164% increase over the previous year.

Unfortunately, EMV chips haven’t completely solved the problem of credit card fraud. So, what if you find yourself looking at charges on your card that you definitely didn’t make?

Don’t panic. Instead, take a deep breath and start getting a game plan together. We’ve rounded up important tips on what to do next.

5 steps to take if you’re a victim of credit card fraud

  1. Call your credit card company immediately
  2. Check your credit card accounts and change your passwords
  3. Notify the credit bureaus and call the police if necessary
  4. Monitor your statements and credit reports
  5. Check your online shopping accounts
ccupdatefraud-1Image: ccupdatefraud-1

1. Call your credit card company immediately

First and foremost, it’s important to get ahead of the criminals using your card before they can inflict more damage.

Major card networks like Visa and Mastercard have “zero liability” policies designed to ensure that you won’t be held responsible for unauthorized charges made with your credit or debit card or account information. The same goes for credit card issuers like Citi, which promises $0 liability for unauthorized charges on all its cards, including Citibank® debit cards and popular cash back credit cards like the Citi® Double Cash Card.

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Even if your credit card info is compromised and your credit card company doesn’t have a zero liability policy in place, your liability for credit card fraud is limited to $50 under the Fair Credit Billing Act.

Still, it pays to be vigilant. As soon as you notice charges you don’t recognize, call your credit card company. They’ll likely issue you a new card with a new card number and investigate the charges immediately.

2. Check your credit card accounts and change your passwords

Your best bet is to exercise caution. After you call your credit card company, make sure you check all of your other credit card accounts to see if they’ve also been compromised.

It’s important to note that, even though only one card may have suspicious charges, you can’t be sure how the fraudster got the information. So make sure you change all of your passwords and PINs just to be safe.

3. Notify the credit bureaus and call the police if necessary

Filing a police report is especially crucial if you see a pattern of fraudulent charges in the days following the first signs of suspicious activity. Sometimes credit card fraud can happen all at once, and other times it might be days or weeks apart.

If you notice multiple credit cards or financial accounts being used without your knowledge, contact the major credit bureaus to alert them and request a credit freeze. This can help stop criminals from doing further damage, like opening up a new credit card.

After you’ve done that, call the police and file a report. If you notice a pattern of credit card fraud, the police can use your records to open an investigation.

Remember: Serious identity theft could lead to more than a simple case of credit card fraud. For example, if someone steals your wallet, the thief could potentially use your credit, insurance and identification cards to open utility and credit accounts in your name.

Identity theft should also be reported to the Federal Trade Commission. It can assist you in developing a “recovery plan” to prevent further loss and get things squared away with the police and credit bureaus as necessary.

4. Monitor your statements and credit reports

After the first signs of credit card fraud, you’ll want to keep monitoring your credit card statements for a few months. Fraudulent charges can keep appearing on your card statements months after your card information is stolen if there was any additional information, such as login credentials, that may have been compromised.

Credit Karma can also help when it comes to staying on top of your credit reports. You can sign up for free and get access to your credit reports from two of the major credit bureaus, TransUnion and Equifax. Your reports can be updated as often as once a week, and you can check them for free anytime. Credit Karma offers free credit monitoring in addition to free VantageScore 3.0 credit scores and reports from two of the three major credit bureaus.

“Consumers should also become much more engaged with the transactions occurring on their credit cards,” says Ulzheimer. “Many card issuers offer free text alerts every time your card is used.” With cards like the Blue Cash Everyday® Card from American Express, you can sign up for account alerts that notify you about everything from irregular account activity to card-not-present transactions.

5. Check your online shopping accounts

Nowadays, it’s fairly common for online shopping websites to let you save your card information for future purchases. Even if you’re protected by your credit card company’s “zero liability policy,” it’s important to make sure your online shopping accounts haven’t been compromised.

Remove the compromised card (as well as any other stored cards) in case your online shopping account is no longer secure, and change those passwords as well.

Bottom line

While anybody can be a victim of credit card fraud, nobody has to have their life or even day ruined because of it. These tips can help you stay on top of all your credit card activity, which is a great weapon to tackle credit card fraud.

As we continue to use credit cards more and more, credit card fraud will surely continue. The important thing to remember is that you’re not alone in this fight. You can rest easier knowing there are plenty of tools to help you if you’re ever a victim. Of course, you can also help yourself by keeping your accounts secure with strong passwords and regular monitoring.

About the author: Brian Spychalski is a former Credit Karma freelance contributor now based in San Francisco. He has a background in corporate finance and a deep knowledge of the consumer credit market. W… Read more.

online banking

Banking for the New Technology World

Banking can be done without ever encountering a real person these days. With the advent of the Internet, banking has moved into the future, and there are more features to come. What are some of the best banking technology tools?

Online and Computer-Based Deposits

Many banks offer online deposit capability. Depositing checks can be as easy as signing your check and taking a picture of both sides. Upload it to your bank, and it can be instantly deposited. ATMs make it simple to deposit cash and checks as well with just the push of a few buttons.

Online Account Reconciliation

One of the most helpful pieces of technology that banks offer today is the ability to reconcile your account from your computer or other mobile devices. Checking to see if you had a deposit come in or a purchase taken out can take less than a minute or two with an app or online bank access.

online banking

Transfer from Account to Account in Minutes

If you have multiple accounts or if you need to occasionally transfer money to a family member or friend, instant bank transfers can be a godsend. Whether you use an app or you go to your banking website, it can be straightforward to transfer money with just the click of a few buttons.

Online Bill Pay

Another great benefit of online banking is the ability to pay bills online. Setting up regular payments can be simple as well to help you to stay on budget and pay your bills on time. Many creditors/businesses/utilities accept online payment, and even if they don’t, your bank can send them a check in the mail – saving you time.

banking technology

Worries With Online Banking

With anything, there are risks to online banking. The biggest concern is security. There have been instances of data breaches. In this case, a user’s data can be at risk, including their personal information and banking information. Banks continually update their systems to make them as safe and secure as possible.

Online banking can be a timesaver and can save you the frustration of having to wait in line for service. If this is something you want, it can be a big help to you. By choosing the right bank for your needs, you can ensure that your money management is made simpler and safer.

final walk through

Final Walk Through: What To Expect

Buying a home is an exciting and monumental time of your life. Especially for first time home buyers. It’s also a huge investment and responsibility. You want to make sure you’ve gone through every step carefully, twice.

It’s crucial to ask the right questions and be at the top of your game in the beginning, to middle, to end.

However, there’s an important step that people tend to ignore – the final walk through.

The main purpose of a final walk through is to make sure the home is in the same, good and working condition you, the new homeowner, agreed to buy.

Although it might feel like an inspection, it’s not. Inspections were already taken care of before any contracts were written up. It’s also not a time for negotiation. If you wanted to discuss any damages or issues, this should have been brought up during the real home inspection.

If the buyer and seller agree to repair any rooms, structures or appliances, this is the time where the buyer will observe to see those changes.

Before moving into a new home, it feels like you’re in a time crunch. You run a list through your head of all the things you need to do, such as rent a truck, clean out your fridge, buy new hand towels and about 428 other things to do. This is not the time to go into panic mode.

However, doing a final walk through of your home is one of the most important things to do. Many people feel tempted to skip this step because they are overwhelmed with preparing for their move. They’re thinking, “I’ve already seen the home. It’s fine!” Well, what if it isn’t?

Budget an hour of time to walk through your home and you will feel more relaxed and confident your home is properly working and ready for you to move in. The last thing you want is to move in your fancy new sound system into a flooded basement. Not only do you delay setting up your equipment, you now have to inspect the problem and call for assistance if you cannot fix the problem yourself.

Walking through your home gives you the opportunity to check if everything is working accordingly. If you notice something is acting strange or a faucet is leaking, bring this to the seller’s attention. This wasn’t an issue during the inspection, so it shouldn’t be happening now. If any repairs are needed, withhold the amount of money it would cost to fix the issue from the seller’s proceeds.

final walk through


Have a different opinion of a final walk through now? Good.

Before heading over to your new home, be sure to bring the following with you:

  • Contract – You can refer to this document to verify all damages or issues have been repaired according to the terms of agreement
  • Notepad – Use this to document, record and take notes of your walk through
  • Camera – Take pictures for proof and documentation about repairs that haven’t been taken care of or any damages
  • Inspection summary – It’s always a good idea to double-check that all repairs have been completed
  • Your agent – Don’t forget to bring them for the final walk through. They have been with you throughout the whole process They can answer any additional questions you may have. It’s also another set of eyes to spot out any issues
  • Cell phone and charger – Nowadays people don’t leave the home without it. May need it to call the seller or repairman. Use the charger to test if electrical outlets are functioning

Now you’re probably thinking, “What should I even look for? How do I test if my home is working properly?”


Final Walk Through Checklist

Here is a final walk through checklist of things to do during your final walk through:

  • Turn on and off every light
  • Run water – sinks, showers, bathtubs, etc. and check for any leaks and if water drains properly
  • Test all appliances and fans
  • Check garage door – opens and closes
  • Flush toilets
  • Inspect walls, floors, ceilings – look for any cracks or molding
  • Check for missing cabinet knobs or cracked outlet plate covers
  • Run garbage disposal and exhaust fans
  • Test air conditioning and heating
  • Open and close all windows – hinges are intact, have blinds, screens and knobs
  • Test the security system
  • Make sure all other remains are out of the home

When walking through your home, figure out if the home has been vacant for a long period of time or not. This is important to consider prior to moving in for several reasons.

If the home sits by itself for a long period of time, problems can arise. A home needs constant care and attention, just like a car or child. Would you leave your car in an empty parking lot over the weekend? Would you leave an infant unattended for five minutes? No and no. A vacant home can develop issues depending on the duration of time. For example, if the water isn’t running for a while, the water pipes can “forget” how to pump water to the final destination. Water needs to be run on a regular basis to ensure quality water is being used.

A vacant home can collect debris as well. The home is not being cleaned regularly, meaning, dust can collect, bugs can creep in or things can start to smell. During your final walk through, be conscious of these factors so you can treat the problem as soon as possible.

However, if the seller is occupying the home until your move in day, take advantage of their presence. During your final walk through, have the seller accompany you through the home. This gives you the opportunity to ask any last-minute questions. The seller knows every inch and quirk of the home and can tell you anything.

Some great questions to ask the seller include:

What’s something you’ve always wanted to improve but never got to it?

What are the neighbors like?

Is there an appliance or fixture that needs more attention than others?

The seller will be more than willing to answer any questions, so why not fire away? You want to know absolutely everything there is to know about your new home. And who better to ask than the old tenants themselves.

Be sure to schedule your final walk through before your closing day. If something unexpectedly breaks or repairs are still needed, you’ll want enough time to diagnose and treat the problem appropriately.

As you can see, the mortgage process doesn’t end when you sign the papers or get your loan approval. It carries onward to the final walk through and beyond. A final walk through is a vital component during your home buying experience. You don’t want to jeopardize yourself by skipping out on an opportunity to spot out any damages or concerns. You want to walk through excited, pleased and satisfied with what you see. This was a big investment, and it should live up to your highest standards and expectations.

Credit Sesame Review

Credit Sesame leverages credit report and score models to bring you custom-tailored financial products that may be right for you. Launched in 2010, Credit Sesame’s goal is to change the way that consumers think about and apply for credit.

The site provides tools that allow consumers to do more with the credit history they have and recommends products and financial literacy resources to improve reports and scores.

We researched & reviewed the best credit repair services. They can help you dispute inaccurate items on your report & work towards improving your credit score.

How does Credit Sesame Work?

Research is the basis of everything in your financial life. Understanding what you have, the types of accounts that are available to you and how you can best use your credit history is critical.

This is where Credit Sesame can be exceedingly helpful. Credit Sesame uses a whole host information to make quality, data-driven suggestions for financial products that you can use.

You’ll need to do a few things to get started. First, you’ll need to submit an application which includes a substantial amount of information, including your name, address, employment information and Social Security Number.

The necessity for your Social Security Number is similar to other companies asking for it. They need it in order to access your credit report and score.

Once you enter the correct information, you’ll find some challenge questions to ensure that it’s you. These can include questions that don’t have a correct answer at all.

After you create an account, the Credit Sesame screen will be populated with a whole lot of information that can look confusing. Luckily, Credit Sesame makes things very easy.

First they’ll give you a very straightforward look at your credit report and break it down by letter grade. You’re striving for all A’s and B’s!

Next, you’ll find some handy recommendations about the loan products that are available to you based on your credit history. Some of these may be credit cards and others might be mortgages and personal loans (from companies like Discover, SoFi, etc).

Finally, you’ll find information about your borrowing power, or how much you can realistically borrow from companies based on your credit report and score.

All of this information helps you understand the best next steps to meeting your financial goals. Moreover, if your credit is damaged, Credit Sesame will help you activate those tools to begin to rebuild your report.

Credit Sesame also offers identity theft protection and tax audit assistance. They are truly a full service company.

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So it’s a debt settlement company, right?

Wrong! Credit Sesame only makes suggestions. Many debt settlement and consolidation companies are very unscrupulous and may end up causing more harm than good.

These companies specialize in lowering your bills by making agreements with credit companies to take a hit on what you owe. This typically reflects extremely poorly on your credit report, and they’ll charge you a fee for the “service.”

Credit Sesame keeps you in control of your finances and gives you the tools to make financial decisions for yourself. It works on all types of debt, from mortgages to credit cards, and never hurts your credit.

Make sure that you think very carefully about your proposed use of debt settlement companies. They almost never turn out in a positive way.

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How does Credit Sesame make money?

When you’re debating using any financial product, always think about how the company offering the product is getting paid. In the case of Credit Sesame, they take a small commission fee when you close a loan or card with one of the companies they’ve advertised to you.

Now, this may lead you to believe that they’ll offer you anything, but remember, they only make money when you close the loan, so it’s in their interest to serve you products that you have a high likelihood of qualifying for.

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What do their suggestions look like?

This very much depends on the type of credit consumer you are. If you’ve got excellent credit, you may find lots of offers for credit cards or personal loans.

These likely offer lots of welcome bonuses or extra rewards points. The loans will likely offer competitive rates and the ability to access high balances.

If you’re on the lower end of the credit spectrum, you’re not likely to get suggestions for credit cards with rewards programs or low rate loans. More than likely, you’ll see lots of suggestions that can help your situation, like a credit builder loan or a secured credit card.

The loans will also have higher interest rates. This is to offset your lower credit score. Why are these so effective? Because the single largest portion of your credit report and score is made up of on-time payment history.

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Seems like a great resource!

It is, but it is only one. Make sure that you are looking around at a number of different resources, especially if you’re working to rebuild your credit.

Also, ensure that you check your credit report specifically for inaccuracies and missing entries. Credit Sesame and similar websites are good, but not perfect when it comes to reviewing scores. You are the only one that is able to effectively know what should and should not be on your report.

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Credit Sesame Review
Rating: 8.8 out of 10

Lexington Law Review 2020

Lexington Law Credit Repair features prominently across the Internet as one of the best credit repair companies.

Among the positives, we like:

  • Attorneys & paralegals on staff.
  • Over a decade of history in the industry.
  • Freely available educational resources.

The firm’s credit repair packages start at $89.95 per month for the “base” package. The mid-range offering costs $109.95 per month, and the top-range “PremierPlus” costs $129.95 per month.

We’re not fans of the rather complicated pricing structure. Firms who do this generally don’t score as well in our research.

The base-level “Standard” package will likely be enough for most potential customers. Especially if you are looking for only one thing: credit repair. Yet, Lexington Law’s ‘upgraded’ packages may offer worthwhile benefits for certain credit repair cases.

Our Lexington Law review dives further into the pros & cons and answers frequently asked questions potential customers may have about the service.

Ask Lex Law for Help

What We Like About Lexington Law

Our review led off with a few of the primary ‘Pros’ we like about Lexington Law. We’ll dive a bit further into those key points here.

Lexington Law is featured in our research of the top companies in the industry.

1. Popularity, Long History & Reliability

First of all, a few key ‘high points.’

One thing is clear after just an ounce of research in this industry: Lexington Law is everywhere.

Blogs and industry sources discuss this firm frequently for two core reasons:

  1. Lexington has been a pioneer in the credit repair industry, helping clients get fair, accurate, and verified credit reports.
  2. Good marketing. When you start researching credit repair you’ll soon come across Lex Law.
Notably: in May 2019, a suit was filed by the Consumer Financial Protection Bureau (CFPB) against Progrexion (Lexington Law’s parent company), relating to Telemarketing practices & the collection of upfront fees.

The answer to “what company should I hire,” no matter what job or service you’re hiring for, shouldn’t necessarily always be “the largest one.”

In the credit repair industry, though, it’s potentially a simple way to predict whether or not a company will be able to get results for your credit repair process.

Important note: As big as Lexington Law is & as helpful as it appears to be, credit repair CAN be a DIY endeavor. Learn how to repair your own credit here.

2. Personalized Support

Negative credit situations can often be very personal and embarrassing topics to discuss. That can be true with anyone, whether your conversation partner is a trained paralegal or a family member.

New Lexington Law customers will connect with an account rep — normally a paralegal — will work with you throughout their credit repair journey.

We like this personal touch. You’ll have a familiar voice as you discuss the nuances of your case and your financial life.

But, perhaps more importantly: A personal case advisor who knows your credit situation on a more intimate level could speed up the process of improving your credit history.

3. Better Customer Service Hours

Most credit repair companies offer customers service only during regular business hours.

However, Lexington Law Firm offers an expanded range of customer service hours.

It’s not quite a 24/7 help line, but with availability both before and after business hours during the week, and time slots on the weekend, you’ll have more chances to get in touch with your advisor on your schedule.

4. Actively Responds to Consumer Reviews

We admire of the firm’s willingness to engage with their customer base on certain open forums (particularly on their BBB profile), regardless of whether the reviews are positive or negative.

Note: The BBB profile also notes the active Consumer Financial Protection Bureau case.

The reviews are fairly mixed. Something important to us from our research:

Many of the negative reviewers stated they didn’t receive the level of service they’d expected. Customers were under the impression they were guaranteed results. No credit repair firm should ever guarantee results, for every credit situation is unique to each individual.

However, reviews like this could be subjective; someone who had received the same service could’ve felt satisfied with the results.

As for the positive reviews, most members reported Lexington Law’s work exceeded what they thought was possible for their credit. Others said that the service provided by Lexington lined up perfectly with their expectations, receiving exactly what they hoped to get.

Lexington Law appears to make an earnest effort to ensure its clients are happy with the service they received. If someone’s had a negative experience or complaint, the firm appears to do their best to mend their relationship with the client.

5. Quality Educational Resources

Most credit repair companies aren’t going to be able to offer award-winning material on ways to improve your credit score. That type of information generally doesn’t get more complicated than what one can find with a simple Google search.

Put simply: You can repair your credit all on your own. Hiring a company should only be done when/if you want to save time and hassle from doing it yourself.

Agencies in this industry offer one core service (for the most part): credit repair. Customer education just isn’t a strong-suit, typically, from firm to firm.

But Lexington Law Firm makes an effort to inform its clients and potential clients about their credit repair options. The credit education tab on Lex Law’s website provides eight key categories for you to explore, giving you a closer look at every aspect of credit.

Aside from the eight main topics listed below, they also have a blog with hundreds of articles containing information pertaining to all things credit:

  • Credit 101 (including information on credit reporting laws such as the Fair Credit Reporting Act)
  • Credit repair
  • Credit bureaus
  • Improve credit score
  • Negative items
  • Life events
  • Loans
  • Credit cards

Lexington Law’s resources here are expansive, if-not exhaustive. While not necessarily a sure-fire reason to hire the firm to improve your credit, we see this is a “plus” for the firm’s helpfulness rating.

Ask Lex Law for Help

What We Don’t Like About Lexington Law

Lexington Law has room for improvement, based on our research:

1. Complicated Service Levels

When signing up with Lexington Law, you’re presented with three service levels at the following prices:

  1. $89.95 monthly fee: Concord Standard
  2. $109.95 monthly fee: Concord Premier – their most popular plan
  3. $129.95 monthly fee: PremierPlus

We prefer credit repair companies to offer their service at one, straightforward rate. Lexington’s price tiers are well-removed from straightforward.

In our opinion, most potential credit repair customers should only need their basic, Concord Standard plan ($89.95 per month).

The Standard plan includes Lexington’s full Bureau Challenges & Creditor Intervention services. This service would appear to be all you need if you’re simply looking for a company to repair your credit.

With their PremierPlus plan ($129.95/month), you receive bureau challenges, creditor interventions, inquiry assist, score analysis, report watch, TransUnion alerts, cease and desist letters, FICO score tracker, identity theft protection, and personal finance tools.

If you buy the most popular plan, Concord Premiere ($109.95 per month), you’ll receive everything minus cease and desist letters, FICO score tracker, identity protection, and personal finance tools.

As for the most basic plan, Concord Standard, you get only bureau challenges and creditor interventions — which may be enough help if you want only a quick way to fix your bad credit.

2. Additional Fee for Credit Report Pulls

Customers who enroll for Concord Standard plan pay an extra $14.99 fee for each credit report pull Lexington Law requires.

We would like to see these credit pulls included in Lexington’s service rather than charged at an extra rate. After all, you’re entitled to one free report a year from each of the three bureaus — and more and more lenders and apps such as Credit Karma will show your score for free.

Lex Law’s mid-range Concord Premier plan and its top-tier PremierPlus plan include free credit monitoring.

Keep in mind: monthly pulls of your credit report are common in any repair to track the repair’s progress. Paying an extra $15 every time you need a credit check will quickly erode the money you’d saved by choosing the basic Concord Standard plan.

We don’t know for sure, but it seems like this policy could serve to motivate customers to upgrade to a plan with a more expensive monthly fee.

3. Potential for Long Hold Times

Past customers have written about their experiences with rather lengthy hold times when calling in to Lexington Law’s customer support. This complaint pre-dates the Covid-19 pandemic which has wreaked havoc on customer service response times as companies adjust to working from home.

Remember the positives we spoke of regarding the personal paralegal assigned to your case? This is the less-stellar other-side of the coin.

Wait times to speak with Lexington Law are not particularly exciting, especially with a single point-of-contact.

However, the firm does make a handful of other communication options available to its customers:

  • Phone
  • Email
  • Online Chat

4. Not BBB Accredited

BBB (Better Business Bureau) accreditation provides businesses with a third-party validation of the company’s legitimacy and ethics.

Unfortunately, Lexington Law Firm is not accredited by the BBB. And, at the time of this review (July 2020), has a rating of ‘C’.

Smaller firms in the credit repair industry do maintain BBB accreditation. It’s somewhat strange Lexington, with its abundant resources, doesn’t enlist for its own accreditation.

However, Lex Law staff does respond to each and every complaint posted to its BBB page.

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Lexington Law Reviews

Our research of past customer reviews found many to be positive-leaning.

Most credit repair companies in the United States field a mix of both good & bad reviews, and Lexington Law is no exception.

Anyone who has ever researched a product online has read terrible reviews of any product. Sites like Consumer Affairs and provide forums for these reviews.

Customer reviews are most valuable when they reveal a trend — common problems spread across various people’s experiences.

So we compiled some trends for you to consider as you shop They fall into three categories:

1. Billing discrepancies

Some reviewers have complained about their first-work fee being different than expected. Lexington Law will charge a “First Work Fee” 5 to 15 days upon a customer’s sign up.

(By law, a credit repair firm cannot charge a customer before the firm has begun work on the customer’s case. Hence the delay in charge.)

What the firm doesn’t make clear is that it bills in arrears, which means clients are billed after they receive their services. Clients mistake this for being charged for services they never received. If Lexington made this clear, we believe there’d be fewer misunderstandings and disappointments regarding the subject.

2. Repaired Items Changed After Program Completion

Past customers of Lexington Law have lamented the re-occurrence of negative items on their credit report after the firm removed those same items.

In particular, the firm’s representatives have reached out to past customers in these situations to explain Lexington:

“…cannot control the actions of creditors and other third parties after disputing items.”

Negative items removed from your credit report can reappear on your report if later found to in-fact be legitimate. This happens with any credit repair company including Sky Blue and Credit Saint.

If a negative (and inaccurate) item pops up again, you can try to have the item removed again. But, the success rate of removing a legitimate negative from your credit report is low.

And, importantly: the practice of knowingly attempting to remove legitimate negative information from your report could potentially be fraudulent.

3. Not A ‘Quick Fix’

One client on Yelp noted while Lexington Law’s services achieved their intended results, they felt that the firm was “milking the clock.”

The same client also noted that it took a longer time to achieve the intended results than expected.

Yet more reviews come from customers dissatisfied because their reports weren’t clean after 1-2 months of service. This is also a common complaint among virtually all companies, industry-wide.

As we’ve mentioned before, hiring a credit repair company is not a quick fix. A repair program can take 4 to 6 months to show beneficial results on average (if not, longer).

Ideally, some visible results in the form of credit score increases or cleaner credit reports could happen after just a month or two.

But, patience is critical with any repair process – whether you hire a firm or DIY.

Mileage May Vary

In the end – no single credit report will be identical to another, and some items simply may take more effort (thus, more time) to remove.

It’s not surprising to find complaints of delays when delays are virtually inevitable by the nature of the credit repair process.

Ask Lex Law for Help

When to Use Lexington Law?

There are numerous instances in which one may choose to employ Lexington Law.

If you have a problematic credit report, Lexington Law is a highly-visible firm to hire.

Other scenarios where Lexington Lay may be of assistance:

  • You need to have items removed from your credit report
  • Any questions about your credit report and the information contained therein
  • You need a consultation about the best course of action to take in regard to your credit report

In a nutshell, this firm can likely help you work to remove almost any unfair, inaccurate, or unverified item on your credit report.

There are numerous credit items you can handle yourself, but consulting credit professionals like Lexington Law if anything is in question can be a wise decision.

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What Can Lexington Law Remove From Your Credit?

Lexington Law advertises they can remove virtually anything removable from your credit report.

The firm has a working relationship with all three credit bureaus. Lexington also invokes several consumer protection statutes on behalf of their clients to help remove negative items from credit reports.

What The Firm Can Challenge (and potentially remove)

Inaccurate, or erroneous:

  • Collections
  • Late payments
  • Charge offs
  • Judgments
  • Bankruptcies
  • Repossessions
  • Foreclosures

What The Firm Cannot Remove

  • Actual Debts. Debtors must show evidence that you owe a debt. If they can validate your debt, you cannot have the mark removed from your credit report.
  • Actual Inquiries. Same as above. If a company can show you did give permission to pull your credit, they can legally report that activity.

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How Does Lexington Law Repair Your Credit?

First, Lexington Law retrieves each client’s individual credit reports from all three credit bureaus.

Lexington Law’s paralegals and lawyers then comb through the client’s credit report to identify credit issues.

The firm invokes consumer protection statutes to help protect clients and determine what to challenge and/or overturn.

The company then sends several letters (similar to our credit repair letter examples) to all three credit bureaus on behalf of their clients in regard to each individual line-item issue.

Lexington Law also offers advice to their clients on what actions the client should personally take in order to increase the chances of having certain issues resolved.

In addition, the company’s follow up service through their app allows you to continually check on correspondence from credit bureaus and other agencies regarding the status of your credit report.

The company will communicate with your individual creditors to help maintain your score and ensure its protection.

With their ‘InquiryAssist’ tool, the company allows customers to manage the negative impact creditor inquiries can have on their credit scores through inquiry removal letters.

Lexington Law also gives their clients detailed credit reports on a monthly basis, so the customer can remain vigilant and identify any abnormalities they may potentially choose to challenge.

Additionally, Lexington Law includes training on how to challenge credit report issues in the future outside of working with the firm.

Ask Lex Law for Help

How Much Does Lexington Law Cost?

As mentioned earlier, Lexington Law offers a tiered service with three different price levels. The tiers are as follows:

  • Concord Standard: $89.95 per month
  • Concord Premier: $109.95 per month
  • PremierPlus: $129.95 per month

The Concord Standard Plan: clients receive Bureau Challenges and Creditor Interventions.

The Concord Premier Plan: clients receive Bureau Challenges, Creditor Interventions, InquiryAssist, Score Analysis, ReportWatch and TransUnion Alerts.

The PremierPlus Plan: the company’s highest service offering. In this package, clients receive all of the benefits of the Concord Premier with the additional perk of having the firm send Cease & Desist Letters to respective parties. PremierPlus subscribers also receive a FICO Score Tracker, Identity Protection Services, and “Personal Finance Tools.”

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What to Expect When Signing Up

  1. As soon as a client signs up with the Lexington Law firm, a paralegal will contact them as their personal representative within 24-48 hours.
  2. Afterward, the paralegal will obtain necessary details from the client to retrieve credit reports from the three major credit bureaus: TransUnion, Experian, and Equifax. Lexington will then reach out to the client themselves to explain & identify which credit report issues Lexington finds to be most pertinent and eligible for the challenge.
  3. The paralegal will then direct the appropriate correspondence to creditors and reporting bureaus.
  4. There will be a brief waiting period. Lexington Law mentions on its website results may vary, and there are a number of different measures the firm may use to dispute/remove certain items on a customer’s credit report. Exact timing will depend on what processes are necessary to remove certain items from your report.
  5. The client then receives a credit score analysis when the items in question are fully resolved (if the customer has purchased a Concord Premier Plan or higher).
  6. The final step(s) will consist of consistent follow-up & escalation of any remaining issues.

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What Results Can You Expect From Lexington Law?

Every client has different items on their credit report, making results vary.

The firm has a long history and experience in the industry using their process for the elimination of inaccurate, negative items on their clients’ credit reports.

Clients can expect to have an accessible, remarkably-responsive team in Lexington Law (albeit with the possible complaint of long hold-times).

Lexington Law does not offer a guaranteed of results. Potential customers should not also misconstrue past-customer results shared on the firm’s website (including those who saw a rise in their credit score or report) as a promise for your own repair program’s outcome.

Clients can expect to receive a thorough and in-depth follow-up. This process should enable the customer to manage any potential problems in their credit report post-repair.

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Company Background

Lexington Law opened its practice in 2004. The firm began by offering credit repair services, and eventually expanded into offering additional related services.

The firm’s lawyers & paralegals serve 48 states. Only North Carolina and Oregon residents are not eligible for service.

Who Owns Lexington Law?

The directing attorney of Lexington Law is John C. Heath.

Heath has served as the directing attorney of Lexington Law since 2004. With a background in litigation, Heath has helped grow the firm during his tenure.

Lexington Law continued its ascension under Heath’s leadership as one of the nation’s most popular credit repair firms.

Where is Lexington Law Located?

Lexington Law’s headquarters are in North Salt Lake, Utah. The firm also has an office in Tucson, Ariz.

Ask Lex Law for Help

Frequently Asked Questions (FAQ)

Does Lexington Law Offer a Guarantee?

Lexington Law does not offer a results guarantee.

The firm acknowledges every client’s case is unique, and there are certain nuances that can lead to differing results from one individual to another.

Lexington Law does, however, tout high success rates on their website.

Is it Possible for Deleted Items to Reappear on Your Credit Report after Working With Lexington Law?

Lexington Law acknowledges the possibility of items recurring on your credit report upon concluding their work.

Consequently, the agency offers their follow-up service to past customers to remedy this situation should the need arise.

How Long Does the Company Take To Repair Your Credit?

Lexington Law does not offer upfront guarantees or estimates as to the time it may take to repair your credit.

As every customer’s case is unique, the length for each individual case may vary.

However, Lexington Law will begin working on your credit repair service as soon as possible upon sign-up.

Is there a Couples, Family or Active Military Discount?

Lexington Law offers a Family discount. If you sign up a family or household member within 72 hours of your original sign-up, each party (you and your referred member) will receive 50% off their first work fee.

Yet, this discount will not also apply to you or your referred member’s additional monthly payments.

Also, the firm does not offer a military discount.

What are Lexington Law’s hours?

  • Monday – Friday: 8:00 AM – 12:00 AM (EST)
  • Saturday: 9:00 AM – 11:00 PM (EST)
  • Sunday: 9:00 AM – 10:00 PM (EST)

What is Lexington Law’s Phone Number?


How to Cancel Your Lexington Law Membership?

You can cancel your membership by phone, chat or e-mail.

Lexington Law Review
Rating: 8.2 out of 10

When Your Credit Score Become Important?

Have you ever wonder why your online application for credit can be approved in 60 seconds? Or get a pre-qualified auto loan for a car without asking you how much is your income? Or why your interest rates on loans are different from the interest rates of your friends or neighbors?

Your credit scoring is the factor that affects all the above. It is your responsibility to main a good credit score. You will need to use it to get you a best available rate when come to apply for credit.

What is a Credit Score?

Most of time credit score is refer as FICO score (Fair Isaac Corporation), it is a number based on the information in your credit file that shows how likely you are to pay a loan back on time, the higher your score, the less risky you are. Your credit score is derived from three major credit bureaus: Experian, Equifax, and TransUnion. These three major credit bureaus will compile your credit report based on the information provided by the companies that gave your credit in the past. Based on the information such as your payment history, the length of your credit history and the type of credit you have and the amounts owed, the credit bureaus will generate your credit report. And based on your credit report, a number of scores will be assigned to you; this number will be range from 300 to 850. This magic number is your credit score, the higher the number, the better you are.

When Your Credit Score Count?

Your credit score will play an important part when comes to applying loans or other credits; it may save you a sign of interest if you have a good credit score. When you apply for a mortgage, car loan, business loan or credit card, the lender or credit company will assess how risky you are as a potential borrower, the higher your score, the less risk you pose to the lender and the more likely you will get a better interest rate for the application.

You will be offered at a relatively low rate if your credit score is above 700 and if your credit score is above 760, you will get the best available rates because you are the lowest risk borrower at this high of credit score. Your loan will be approved with high loan rates if your credit score is below 600, and if your credit score is really bad, you may not be able to borrow at all.

Maintain High Credit Score

Now you know how important your credit score is and when it becomes important and you can use it as a tool to save cash. Hence, it is important for you to maintain your credit score at a high level. Things that you can do to increase your credit score include:

  • Pay your bills on time
  • Keep balances low on credit cards
  • Don't open a number of new credit cards that you don't need
  • Have credit cards – but manage them responsibly

In Summary

A credit score is not just a number; it is a tool that you can control and use to save cash. It will become important whenever you need credits, and it is an important factor to be considered by any financial organization before they approve your credit application. Hence, keep your credit score all-time high.

homeowners insurance

Homeowners Insurance and Such: What You Forgot To Think About

Buying your dream home is one of the best feelings in the world. The idea of owning a piece of property that’s everything you imagined as a young adult creates a true sense of accomplishment. It’s something that be taken lightly, and in the world of risk management, it’s something that a majority of homeowners screw up. Mortgage protection and general risk management are topics that should be top priority after buying that new home.


The truth is, once you’ve closed on that dream home, you’re too concerned about moving in, organizing rooms, and stocking that baller bar you absolutely had to have (trust me, I’ve been there) to think about what lies ahead for you financially. You see, once you close, you’ve assumed hundreds of thousands of dollars of debt and a financial responsibility that can’t be rivaled. In my industry, I find that 90% of homeowners think only about paying their mortgage and forget to budget for the additional protection needed to truly cover their investment.

homeowners insurance


I like to call it the “Triangle of Protection.”


Homeowners Insurance


First, all homeowners get their homeowners insurance from (hopefully) a reputable source. The most common mistake I see is that new homeowners shop purely based on price (yeah I know, you just dumped 90% of your savings into that down payment) and forget to truly dive into their coverage. Be sure to find a homeowners insurance provider that will walk you through protecting your investment line-by-line and piece-by-piece. That way you can make sure you know exactly what to expect in the event of a claim.

Read up on how you can lower your homeowners insurance here!


Free Homeowners Insurance Quotes


Protect Yourself and Your Family


Second, most don’t realize that the #1 cause for foreclosures in the U.S. is actually sickness or injury. An unexpected illness or injury can result in a significant amount of missed time from work, which means you’re not making money, which means you can’t make your mortgage payment. There are extremely affordable policies available that help replace the income that would be lost in the short (and long) term to help you cover your mortgage. Nobody—and I mean nobody—wants to tell their family they have to move back into their tiny one-bedroom apartment because you slipped on the sidewalk on your way to Starbucks.


Finally, if you’re the breadwinner (or not) you want to make sure your family stays in your dream home if you kick the bucket, right? Premature death is a leading cause of financial difficulty and bankruptcy. Everyone thinks it won’t happen to them, but it does….trust me. I see it on a near-daily basis. If you truly want your family to be set, leave some money behind through life insurance to pay off your debts and provide for the income that will be missed. Your risk management professional can help you determine what coverage amount and what policy type is right for you and your family.


Remember, once you close the hard work isn’t over. You need to cover all your financial bases because of the massive responsibility you had just taken on. A chair with one or two legs can’t be balanced and stand on its own. Find a risk manager who’ll help you guard against what can go wrong. Whether it’s homeowners insurance, life insurance or other risk management products. Be sure your family can prosper when things go right.


Still looking for that new home? Talk with our FHA-approved lenders

The Amex EveryDay® Credit Card from American Express vs. Blue Cash Everyday® Card from American Express

The Amex EveryDay® Credit Card from American Express vs. Blue Cash Everyday® Card from American Express

Feature The Amex EveryDay® Credit Card from American Express Blue Cash Everyday® Card from American Express
Best rewards rate 2 points per $1 on up to $6,000 spent annually at U.S. supermarkets (then 1 point per $1) 3% cash back on up to $6,000 spent annually at U.S. supermarkets (then 1%)
Welcome bonus Earn 10,000 Membership Rewards points after you spend $1,000 on purchases in the first three months from account opening Earn $100 in the form of a statement credit after you spend $1,000 on purchases in the first 6 months from account opening. You’ll also earn 20% back on Amazon purchases made with the card for the first six months from account opening (up to $200 back).
Ease of redeeming Varies Easy
0% APR promotion 0% intro APR on purchases 0% intro APR on purchases
Annual fee $0 $0

Both credit cards offer valuable rewards on U.S. supermarket purchases without charging an annual fee. The right one for you largely depends on how savvy you are at maximizing rewards value and whether you even want to do it.

The Amex EveryDay® Credit Card from American Express: Best for savvy credit card users

On the surface, The Amex EveryDay® Credit Card from American Express sounds like it offers less value — you earn just two points per $1 on up to $6,000 you spend annually at U.S. supermarkets (then one point per $1) instead of the 3% cash back you can earn in the same category with the Blue Cash Everyday® Card from American Express.

But the card has some aces up its sleeve to make those points more valuable. For starters, you’ll earn 20% more points each billing period when you use the card 20 or more times on purchases.

The Amex EveryDay® Credit Card from American Express also offers a welcome bonus of 10,000 Membership Rewards® points after you spend $1,000 in the first three months. Depending on how you redeem your points, you could earn up to $100 worth of travel or gift cards.

The rewards come in the form of Membership Rewards points, which give you more flexibility and potential value. You can earn up to 1 cent per point if you redeem them with American Express for things like travel through or some gift cards.

But if you transfer your points to one of the card issuer’s hotel or airline partners, you could get a much better redemption rate.

Rewards aren’t the only reason to get the card, though. It also offers an introductory 15-month 0% APR on purchases. Just keep in mind that after the intro period is up, the variable APR for purchases and balance transfers goes to 12.99% to 23.99%.

Blue Cash Everyday® Card from American Express: Best for people who want simplicity

While The Amex EveryDay® Credit Card from American Express offers more potential value, it can take a lot of time and research to maximize your rewards through transfer partners. If you prefer a simpler approach, the Blue Cash Everyday® Card from American Express may be the ticket.

The card offers a $100 bonus as a statement credit after you spend $1,000 on purchases in the first 6 months. You’ll also earn 20% back on Amazon purchases made with the card for the first six months from account opening (up to $200 back).

You’ll also earn 3% cash back on up to $6,000 you spend each year at U.S. supermarkets (then 1%), 2% cash back at U.S. gas stations and select U.S. department stores, and 1% cash back on all other purchases.

You can redeem your cash back in three ways: as a statement credit, gift cards or merchandise.

As you can see, the card’s rewards program is a little less complicated, and you don’t have to do a lot to maximize the value of your reward dollars. The card also offers a 15-month introductory 0% purchase APR promotion. After 15 months, the variable purchase APR goes to 13.99% – 23.99%.

What to consider when applying for everyday spending cards

The average American household spent $4,363 on groceries in 2017, according to the Bureau of Labor Statistics. So having a credit card that offers great rewards on grocery spending is an excellent idea.

If you do, though, it’s important to balance the value of the card’s rewards program with its simplicity. If you don’t want to do a lot of legwork, it may be better to go with a straight cash back credit card. But if you’re an optimizer and enjoy the hunt for more value, a card that offers flexible points or miles may be a better choice.

Along with considering rewards, it’s also important to look at a card’s annual fee, as it may eat into the value of the cash back or points you’re earning. Also, consider other features you may want, like an introductory 0% APR promotion, a welcome bonus or other rewards and perks.

There’s no single best everyday credit card out there, so know what you want out of a card before you start shopping around.

Not sure either card is for you? Consider these alternatives.

Both of these credit cards are solid choices for consumers who want bonus rewards on U.S. supermarket purchases. But there are other cards that may be a better fit for what you need. Here are a few to consider.

  • Blue Cash Preferred® Card from American Express: This card can be a good fit for people who want to maximize rewards on U.S. supermarket purchases and don’t mind paying an annual fee.
  • Bank of America® Cash Rewards credit card: You may like this card if you want more flexibility with bonus rewards and multiple cash back redemption options.
  • Citi® Double Cash Card: Check out this card if you want great cash back rewards on all of your purchases — not just some.

About the author: Ben Luthi is a personal finance freelance writer and credit cards expert. He holds a bachelor’s degree in business management and finance from Brigham Young University. In addition to Cr… Read more. Review 2020

The following is our review of’s service as a credit repair company, pros and cons of the firm, and a look at their track record through customer reviews of their credit repair services. is recognized as a popular credit monitoring agency in the industry. The firm touts a track record of successful removals of credit issues with their customers on their website.

On the other hand, a company’s self-reported results is just one factor in determining whether you should hire a firm. We’ll cover the pros and cons of what provides and evaluate its effectiveness as a credit repair company.

Let’s look at how they may differ from other credit repair organizations like Credit Saint, Lexington Law, or Sky Blue Credit. is featured in our research of the best credit repair companies
Visit Site
(888) 541-1882

What We Like About

There are a few positive features that we appreciate about

First, they provide a straightforward website that allows viewers to easily access the information they might need or be looking for. Additionally, they display customer results and testimonials clearly and in a way that makes seeing how successful they may be very clear.

Though, note: make sure never to blindly accept a company’s self-reported testimonials. And, understand credit repair is a process that CAN be done yourself (without hiring a credit repair company).

They have an easy to understand and an intuitive 3-step process for repairing customer credit: Check, Challenge, Change.

Below we’ve listed some of the advantages of signing up with

  1. The company provides a solid record of results on their website. While all credit situations are unique, the firm’s history in the industry is worth taking into account before working with
  2. The 3-step process is very efficient and straightforward. Unlike other credit repair companies that often have complicated, hard-to-understand processes, CreditRepair’s 3-step process (Check, Challenge, Change) makes it very simple for members to understand how they will help them work to repair their credit.
  3. There is a comprehensive education section. offers an article library with hundreds of articles containing information pertaining to credit improvement, debt solutions, identity theft, loans, and savings. Members and potential members are able to gain knowledge about several things, including how bad credit may affect you, solutions for debt management, and great tips on how to save money more efficiently. Reading through a few of these information-packed articles could help answer a few questions you might have or help you to maintain a healthy financial state.

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What We Don’t Like About

Though does offer a simple process, we have a few qualms about whether this process can address every customer’s needs.

Notably: in May 2019, a suit was filed by the Consumer Financial Protection Bureau (CFPB) against Progrexion (’s parent company), relating to Telemarketing practices & the collection of upfront fees.

The website advertises other companies that they consider trusted partners, but there is very little information about the nature of the partnership or supporting information demonstrating that these companies are indeed trustworthy.

There also seems to be a lack of information about how the experts communicate with major credit bureaus so they can remove those items from your credit report.

Below we’ve listed some of the disadvantages (the cons) of signing up with

  1. You don’t know who the experts are. The website advertises “experts” but doesn’t provide information on who these people are or what makes them qualify as experts.
  2. There are no links to outside articles. That being the case, customers don’t receive an objective third-person evaluation of the site before signing up. To find objective opinions, a potential customer would have to look elsewhere.
  3. is not an accredited Better Business Bureau (BBB) member. BBB (Better Business Bureau) accreditation provides businesses with third-party validation of the company’s legitimacy and ethics. Unfortunately, is not accredited by the BBB, and has a rating of ‘F’ at the time of this review (June 30, 2019).

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Reviews and Comments

People are saying many different things about The reviews are somewhat mixed, but they seem to tend toward the negative.

Any of the negative comments stated that they didn’t receive the level of service they’d expected, or people were under the impression that there were guaranteed results.

We couldn’t find an instance on their website that says they guarantee anything, for every credit situation is unique to each individual. Reviews like this may be subjective, for someone who had received the same service could’ve felt satisfied with the results.

As for the positive reviews, most members commented about how while it might’ve taken longer than they anticipated, exceeded what they thought was possible for their credit. Others said that the service provided by lined up perfectly with their expectations, and they received exactly what they hoped to.

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(888) 541-1882

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Using seems to be most useful for people who need to have some unfair, inaccurate, and unverified items removed from their credit reports, and are looking to potentially increase their credit score (though, note: a credit repair company can not promise an increased score due to the credit repair organizations act).

Their services are not very extensive, but they are focused on helping you work to achieve one vital end goal.  Be sure to note that doesn’t offer credit counseling or debt consolidation. If your credit has been impacted through credible ways, they cannot help you.

If you’re unsure of whether or not you might need the help of a credit consultant, you can give a call (833-841-1600) and receive a free credit consultation.

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What Can Be Removed From Your Credit?

We all know bad credit can result in terrible interest rates from both credit cards and other loan organizations. works with the credit bureaus like Equifax, Experian, and TransUnion, and your creditors to challenge the unfair or inaccurate negative report items that affect your credit score.

They will work to ensure your credit history is up-to-date, accurate, and reflects you honestly, which in the end, can all help to potentially fix your credit.

There are a few items that might be listed on your credit report that can be challenged. These items must be inaccurate, unfair, or invalid in order to be removed:

  • Collections
  • Late payments
  • Charge offs
  • Judgments
  • Bankruptcies
  • Repossessions
  • Foreclosures

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How Does Repair Your Credit?

When you sign up with, they immediately pull your credit report summary and organize it in a way that makes it easy to identify items that might be inaccurate, unfair, or invalid.

Focusing on these items that might be a roadblock to good credit helps them build a game plan for you that fits your personal credit needs.

They will then contact the credit reporting companies and challenge those negative items, and verify with the credit bureaus that the appropriate changes have been made to your credit report.

They will leverage every available consumer rule to protect you and make sure all the personal information on your credit report is accurate.

As you work to achieve your goals, keeps you connected to your progress with tools such as a personal online dashboard, credit score tracker and analysis, mobile apps friendly with iOS and android, and text/email alerts.

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How Much Does cost?

The cost is simple: $99.95 monthly fee.

Separate from the service, there is a one-time setup fee of $14.99 to pull your credit report from another company for you. There will never be any additional costs or fees.

We don’t like the extra fee for the credit report pull and believe the company should instead offer the ability for a customer to provide their own free credit report to at no charge.

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What to Expect When Signing Up

CreditRepair will contact you within 48 hours and schedule a time to discuss your credit report after it has been retrieved from the credit bureaus.

Afterward, they will follow up with you and hopefully be able to remove the negative items that were identified in the initial credit review.

Visit Site
(888) 541-1882

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What Results Can You Expect from

CreditRepair states that they can help you repair your credit through the removal of negative items on your credit report.

They also claim that they will work to raise your credit score. On their main website, they cite that the average member receives an increase of about forty (40) points on their TransUnion credit score within just four months of signing up with the company. also advertises customized tools designed to guide individuals through the tasks and action items necessary to maintain a healthy score and see continual progress.

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Who is

Unfortunately, there isn’t a lot of information about the origins of the company.

The website lists the copyright as running from 2012-2015, so we can guess that the company began in 2012. The bio on the website gives information about the company’s mission and what distinguishes them from competitors.’s mission states, “[We] empower every individual to achieve the credit scores they deserve and enjoy a lifestyle of greater opportunity.”

Who Owns Credit

There isn’t any information about the company’s owner. However, the website contains a press release that mentions the company president, Scott Smith. appears to be based in Seattle, Washington.

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Frequently Asked Questions

Does offer a guarantee?

No, the site does not provide a money-back guarantee. What they do provide, though, are stats for the average success rate they’ve seen with past members and a free consultation.

Is it possible for deleted items to reappear on your credit report after working with

There’s nothing to indicate on the website, reviews, or third-party websites like Trustpilot, that customers have had deleted items reappear on their credit report.

However, it’s a possibility, as credit bureaus are independent of any repair service.

How long does take to repair your credit?

The length of time is dependent on the person & their unique credit situation. That holds true whether you’re hiring a company, or if you’re DIY’ing your credit repair process.

Are there discounts for couples, families, or active military? doesn’t seem to offer any of the above discounts. The only discount they offer is time-based and depends on the time of year.

What are’s hours?

Enrollment Center:
  • Monday – Friday: 7:00 AM – Midnight EST
  • Saturdays: 9:00 AM – 11:00 PM EST
  • Sundays: 9:00 AM – 10:00 PM EST
Member Services:
  • Monday – Friday: 8:00 AM – Midnight EST
  • Saturdays: 10:00 AM – 7:00 PM EST
  • Sundays: CLOSED

What is’s Phone Number?


How Do You Cancel a Membership?

To cancel your membership, contact directly using the contact information listed on the website. All you need to do is request that you no longer want to be a member. Review
Rating: 8.0 out of 10