Review Review Cleaning Up Credit Reports or Just Making a Mess?

Credit Repair

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Have you ever found inaccurate information on your credit report? It can be frustrating and challenging to fix on your own. That’s where comes in. They claim to clean up the mess by disputing errors and engaging with creditors to ensure bad information is no longer reported. However, while has a lengthy history of helping customers, it falls well short of being one of the best credit repair companies. Overview is a subsidiary of Utah-based financial services company PGX Holdings, Inc., which also does business as Progexion. Progrexion owns not only but also another credit repair company called Lexington Law.

Operating since 2012, boasts of helping nearly one million customers remove over five million collections from their credit reports. While the company has physical offices in Salt Lake City and Phoenix, its services are available online and by phone in 38 states. Unfortunately, residents of Colorado, Georgia, Kansas, Maine, Maryland, Michigan, Minnesota, Mississippi, Ohio, Oregon, South Carolina, and Wisconsin cannot currently avail of’s services. offers three service plans with different pricing. The Direct package is the most basic and least expensive, providing bureau challenges with Equifax and TransUnion, inquiry assists with Experian, creditor interventions, quarterly credit score updates, and identity theft coverage up to $25,000. The Standard package includes all Direct package features, as well as inquiry assists with all three bureaus. The top-tier Advanced package builds upon the Standard package, offering more challenges, more creditor interventions, cease and desist interventions, and identity theft coverage of up to $1,000,000. Prices range from $69.95 to $119.95 per month, with corresponding setup fees.

Concerns and Negative Reviews

While may have an impressive customer base, there are several concerns and negative reviews to consider. One major concern is the prevalence of negative online reviews by customers. On Trustpilot, has a rating of 2.7 out of 5 based on 625 reviews. Only 77% of the reviews are four stars or higher, and 17% of the ratings are two stars or lower. The Better Business Bureau rates as a D, with 79 complaints closed in the past three years and an average customer review rating of 1.16 stars. Common complaints include a lack of results, negative impacts on credit scores, and hidden or unexpected charges.

Another significant concern is the class-action lawsuit filed by the Consumer Financial Protection Bureau (CFPB) against and its parent company, Progexion. The lawsuit seeks a judgment of $3.1 billion for alleged billing practices that violate federal law. Progexion has since filed for bankruptcy, leaving uncertainty about the outcome of these proceedings and the potential impact on customers. Features and Services offers a range of services that align with what you can expect from other credit repair companies. Here are some highlights:

  • Bureau challenges and inquiry assists: can help you challenge various information on your credit report, including collections, late payments, charge-offs, repossessions, and credit inquiries.
  • Goodwill and creditor interventions: If you have late payments on open accounts, can assist you in writing to your creditor to have the late payment removed from your credit report.
  • Cease and desist intervention: can help you temporarily get creditors off your back while you make a plan to pay off your debts.
  • Identity theft protection: offers identity theft protection services, including alerts for potential security risks and coverage for restoring your identity.
  • Member support and credit education: provides customer support through phone and online chat. They also offer extensive educational content and tools on their website and affiliated YouTube channel, covering various credit-related topics.

Cost and Signing Up

The monthly fees for packages range from $69.95 to $119.95, with corresponding setup fees. These rates are average for the credit repair industry. However, does offer discounts on first-work fees for veterans, active military members, and through referral programs.

If you decide to cancel their services, you can do so by calling a toll-free number. However, does not offer a satisfaction guarantee, so it’s important to consider this before signing up.

Before enlisting the help of or any other credit repair service, obtain copies of your credit reports from the three major credit bureaus. This will allow you to identify any inaccuracies or errors that need to be addressed. You can either dispute these inaccuracies directly with the credit bureaus or pass them along to for assistance. Keep in mind that you can only challenge information that is inaccurate, unfair, or unverified.’s Competition and Lawsuits

While offers services that are in line with many competitors, there are significant differences to consider. First, has lower customer review ratings compared to top competitors on platforms like Trustpilot. Additionally, they do not offer any service guarantees, which many other competitors do. Finally, the ongoing CFPB lawsuit and Progexion’s bankruptcy filing cast a shadow of uncertainty over the company’s future, making it difficult to trust their services.

In May 2019, the CFPB filed a complaint against several companies in the credit repair industry, including Progexion and The lawsuit alleges violations of the Telemarketing Sales Rule and deceptive marketing representations. A federal judge ruled against Progexion in June 2023, potentially exposing the company to demands exceeding $3 billion and leading to their bankruptcy filing.

Frequently Asked Questions

Here are some frequently asked questions about

  1. How much does cost? Monthly fees range from $69.95 to $119.95, with corresponding setup fees. Discounts may be available for veterans, active military members, referrals, and promotional offers.
  2. How do I sign up for You can sign up by filling out a simple form online. Afterward, you will be contacted to complete your enrollment.
  3. How does compare to other competitors? While has comparable pricing and services, its lower customer ratings, lack of service guarantee, and ongoing legal issues make it less favorable compared to top competitors.

In conclusion, while may offer the convenience of dispute assistance and creditor intervention, it falls short in various aspects. With concerns about negative reviews, ongoing lawsuits, and lack of service guarantees, it may be worth considering other credit repair options that provide higher customer satisfaction and a more secure reputation.