Trinity Credit Services Credit Repair Review

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Trinity Credit Services Credit Repair Review

Trinity Credit Services assists consumers in restoring and improving their credit. Bad credit may make it difficult to get low-interest loans and other financial goods, but high credit makes it simpler to obtain a mortgage, establish a credit card, or even find work or an apartment.

Although you may dispute credit inaccuracies on your own, organizations such as Trinity Credit Services understand your consumer rights and will contest credit reporting issues on your behalf. The firm also offers credit survival advice in the form of a credit survival handbook. 1

Trinity will adapt its services to assist you reach a certain objective, such as obtaining a mortgage or vehicle loan. Furthermore, the organization claims it can assist you in obtaining a loan via its partner lenders (though it’s always a good idea to shop around on your own). 5

Trinity Credit Services isn’t the only credit restoration service available. If you’re seeking for additional solutions, check out our list of the finest credit repair firms.

Pros Explained

  • Trinity Credit Services will get your credit report from all three credit agencies and go through it with you line by line for free.
  • Tracking progress online: Trinity customers may access credit education programs and webinars by logging into an online portal.
  • Trinity has a no-results, no-charge promise, but it does not clarify how or when clients may obtain a refund.
  • Loan assistance: If you’re searching for a mortgage or a car loan, Trinity Credit Services can help you through the process with its lending partners. 1 To discover our preferred alternatives, try our selections for the best mortgage lenders or best car loan rates.

Cons Explained

  • Trinity Credit Services, unlike some other credit repair agencies, does not release information about its fees or the entire scope of its services on the internet. 2
  • Trinity Credit Services does not service Georgia or Massachusetts: If you live in one of these states, you will be unable to deal with them.
  • There is no online chat customer service: More information may be obtained by calling or emailing the firm, since it does not provide chat on its website. 2

Types of Services

Trinity Credit Services’ primary service is credit rehabilitation. It will work on your behalf to correct inaccuracies on your credit reports and educate you on how to raise your credit score. Here’s what to anticipate if you work with this firm.

Credit Disputes

If you purchase the company’s credit repair package, it will work on your behalf to dispute and erase inaccuracies from your credit reports by contacting your creditors and credit agencies. This job starts five days after enrolment. It will specifically look at bad marks that may be harming your credit, such as:

  • Late payments
  • Bankruptcies
  • Foreclosures
  • Auto loan inquiries
  • Charge-offs
  • Student loans
  • Repossessions
  • Collections
  Shared National Credit Program

There is no limit to the amount of monthly conflicts you may have. Trinity Credit Services will also issue debt validation letters to your creditors to ensure that the obligations you owe are legitimate. 61

While credit repair businesses may file credit disputes on your behalf, you can also submit credit disputes on your own for free. While correcting errors will help your credit, bad marks are likely to stay if the material is correct. 7

Credit Survival Guide and Webinars

Customers may find Trinity’s instructional tools extremely beneficial. Trinity counselors teach consumers how to manage credit and make wise purchasing choices. The company’s online client portal gives access to credit management instructional programs and webinars. Customers also get a credit survival handbook in the mail, as well as prepaid labels for sending any communication from the credit agencies to the Trinity team. 6

Loan Assistance

If you need a mortgage or a car loan, Trinity Credit Services can link you with one of its lending partners to assist you locate one. It’s worth mentioning, though, that Trinity is likely to collect a referral fee from these lenders. Although this collaboration does not necessarily imply that you will get a poor deal, it is still advisable to shop around on your own to evaluate possibilities and locate the best loan for you. 5

Optional Add-Ons

Trinity’s main credit restoration services may be a suitable choice if you’re seeking for broad credit cleaning. You may, however, choose a more tailored package via its Credit Ready program, which is a plan that takes your individual objectives into consideration. Trinity Credit Services will assist with you to attain a particular goal, such as qualifying for a house loan or vehicle loan, or finding a new employment, via Credit Ready.

If you’ve been rejected one of these possibilities because of poor credit, Trinity Credit Services will work with you to improve your credit. As previously stated, it may connect you to one of its affiliate lending partners, albeit you are not required to acquire a loan from one of its partners. 5

Company Features

Trinity Credit Services provides a few pretty basic services among credit repair organizations, such as a free credit report examination and, to a lesser degree, a money-back guarantee. However, as previously said, no information on the guarantee is available online.

To begin, you or your credit counselor will get free copies of your credit reports from the three major credit bureaus: Equifax, Experian, and TransUnion. Then, line by line, your consultant will go through your reports with you. While other credit repair firms need you to join up before meeting with a counselor, Trinity provides this service free of charge right away. 5

  Unsecured Creditor

You will have access to an online customer portal with instructional materials and webinars if you join up. You may use the portal to keep track of your conversations and other developments. It’s worth asking whether you qualify for any discounts offered by the firm.

Credit monitoring is also included in Trinity’s subscription, according to customer service, albeit Trinity does not disclose any data on this.

Customer Service

Trinity Credit Services may best be reached by phone at (844) 334-6844. You may also email [email protected] or leave your name and email with a remark on their website contact form. 2

The firm does not provide live web chat or a mobile app, nor does it publish its business hours online.

Company Reputation

Trinity Credit Services has been in business for 17 years, yet it only has a few client reviews online. As of August 2022, its two Trustpilot customer ratings both award the firm five stars out of five. 3 Similarly, 12 of 13 Yelp customer reviews give the organization five stars, with the remaining critic giving it one star. 4 In the Consumer Financial Protection Bureau (CFPB) consumer complaint database, the firm has one complaint dated 2015. The organization responded quickly and resolved the problem by providing monetary compensation to the consumer. 8

If you have a complaint about a credit repair firm, you may submit it online or by contacting the Federal Trade Commission (FTC) at (877) 382-4357.910.

Contract Duration

Trinity Credit Services does not specify a minimum contract length, although their overall credit improvement timetable is 180 days. At the 180-day mark, you’ll get a final assessment of your credit findings and, if appropriate, help in obtaining a house or vehicle loan. According to the firm, if your credit does not improve, you will get a full refund. However, the company’s costs, cancellation policy, and refund criteria are not particularly clear. 6

Cost

One of Trinity Credit Services’ major drawbacks is its lack of pricing transparency. Unlike many other credit repair businesses, the organization asks you to phone and chat with a person to learn more about its price structure.

Furthermore, according to customer service, price fluctuates depending on a variety of criteria. You’ll pay a minimum $1 initial work cost to view your credit reports, followed by a monthly price that varies depending on the contents of your credit reports. Trinity Credit Services is at a disadvantage when it comes to credit repair since you can’t view rates ahead of time.

How to Choose a Credit Repair Company

It’s usually a good idea to shop around and evaluate choices before taking out a loan or hiring a credit repair firm. When choosing a credit repair service, consider the following features:

  • Prices: Before signing any contract, be sure you understand the costs, including the initial fee, monthly fees, cancellation charges, and any additional fees (like extra charges for certain kinds of disputes).
  • Credit disputing services: Look for complete credit restoration services that include creditor and credit bureau disputes, debt validation letters, and hard inquiry disputes. Determine if the firm allows limitless disputes or limits them to a set number each month.
  • Coverage of credit bureaus: To enhance all of your credit reports, ensure that the firm covers Equifax, Experian, and TransUnion (most services do).
  • Credit monitoring: Determine if the organization offers credit monitoring or whether you’ll have to pay a third-party service.
  • Satisfaction guarantee: Determine if the firm will refund your money if you are displeased with its services; some do, while others do not.
  • Customer reviews: Websites such as Trustpilot and the Consumer Financial Protection Bureau may expose genuine consumers’ experiences with a firm.
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Alternative Choices

Trinity Credit ServicesAMB Credit ConsultantsSky Blue Credit
Services OfferedFree credit report evaluation
Credit disputes
Educational webinars
Loan assistance
Free credit consultation
Credit audit
Credit empowerment program
Credit dispute resolution
Professional credit analysis
Credit disputes
Score rebuilding
Debt management program
Max. Number of Monthly DisputesUnlimitedUnlimitedUnlimited
Letters to Creditors/BureausCredit disputes, debt validation, others not disclosedDebt validation, disputes, goodwill removal requests, cease-and-desistDebt validation, goodwill, cease-and-desist
Min. First Work Fee$1$149$79
Min. Monthly FeeVaries$99$79
Customer Service PlatformsPhone, emailPhone, emailPhone, email, online portal

Final Verdict

In most jurisdictions, Trinity Credit Services provides credit counseling, repair, and education to individuals. The organization seems to be simple to deal with, with its customer-friendly free credit report examination and money-back promise. It could, however, be more open about its price and cancellation rules. While Trinity Credit Services may link you with house and vehicle loan lenders, keep in mind that company gets compensated for recommending consumers. It’s always a good idea to perform your own research on lenders in order to locate the best loan for you.

Trinity’s lack of openness might make comparing its services to those of other firms challenging. Examine our recommendations for the top credit repair organizations, which are more forthcoming about what they provide and how much it will cost.

How We Review Credit Repair Companies

Before deciding on our top picks, our staff assessed 17 credit repair organizations and gathered over 600 data points. We evaluated 39 factors, giving the greatest weight to the ones that are most important to consumers.

The top picks were selected based on:

  • Costs and fees (total weighted at 40.5%)
  • Services offered (34%)
  • Customer experience (22.5%)
  • Stability (3%)

We considered criteria such as how many disputes would be issued each month, the kind of dispute letters that will be sent, cancellation and refund policies, and the length of time firms have been in operation. This data was utilized to generate our company’s star ratings and top selections.

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