Amber Brooks

The average member sees his or her TransUnion credit score improve by 40 points within four months. Through its three-step "Check, Challenge, Change" process, past members have seen 7% of negative items removed per month — this kind of success is commonplace at Results will depend on your goals, your situation, and how much work is required.

- Amber Brooks, 6/3/2021

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  • Free consultation: 1-855-200-2393
  • Helped with over 7.5 million removals on members' behalf since 2012
  • Free access to your credit report summary
  • Three-step plan for checking, challenging and changing your credit report
  • Online tools to help clients track results
  • Click here for sign-up, terms, and details.


Overall Rating

Better Business Bureau In Business Since Monthly Cost Reputation Score
See BBB Listing 2012 $99 9.5/10

More About Goes Beyond Disputes to Fix Credit by Focusing on Fairness, Accuracy, & Substantiation
Expert's Take Goes Beyond Disputes to Fix Credit by Focusing on Fairness, Accuracy, & Substantiation

By: Amber Brooks

In a Nutshell: takes an ethical and comprehensive approach to credit repair. Rather than embracing the unethical strategy of disputing every negative item on a credit report, this agency favors a more complex investigative strategy that is three-pronged: Communications are directed to creditors and consumers, in addition to the credit bureaus, to help improve your credit profile. Members see their TransUnion credit scores improve, on average, 40 points within four months of enlisting these services. To help people achieve long-lasting financial success, goes to great lengths to educate consumers about their rights — and how the law can work in their favor.

A few years ago, Gina Taylor fell on tough times. This mother of three and grandmother of four was unemployed for six months, and she was forced to live solely on credit to get by. She made it through and found a steady job, but it took a toll on her credit score. After six months of building debt, her credit score had plunged to 633.

She was desperate to get her finances back to where they had been, but didn’t know how to fix her credit. Then, inspired by an ad she heard on the radio, she consulted with a trusted credit repair service:

The representative didn’t make grandiose promises or unrealistic guarantees. Instead, she was given reasonable expectations about what could be accomplished and what it would take on her end. “That’s a partnership,” she says. “You’re working for me, but you’re also working with me. I loved it.”

With the help of, she was able to raise her score from 633 to 708 in just five months.

“What makes me happiest is I see a great future for my grandkids,” she says. “Not once have I been disappointed by Everything they told me in our initial conversation, they’ve been doing.”

This kind of success is commonplace at; its reviews page is full of similar positive testimonials. Previous members have seen an average 40-point TransUnion credit score gain during four months of membership. The site offers this track record as an indication of past results, not a guarantee for prospective clients.

Even in its marketing, endeavors to be up front and honest with members. This credit-repair service takes a multi-tiered approach to boost credit scores and rid members of negative items, making sure that all items on your credit report are accurate, fair, and substantiated.

Scott Smith, President of, is proud of his company’s triumphs and integrity. “We’re not just a dispute mill,” he says. “ leverages a whole range of consumer protection statutes in the service of improving somebody’s credit reports — and this goes beyond simple disputation.”

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About the Reviewer

Amber Brooks

Amber Brooks is a longtime lifestyle editor and blogger who has authored thousands of articles on topics ranging from debt consolidation apps to budget-friendly date ideas. With a background in writing, she's uniquely suited to diluting complex financial jargon into terms that are easily understood. When not obsessively budgeting out her days, Amber can often be found with her nose in a book.

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