USA Credit Repair Review

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USA Credit Repair Review

If you’re one of the millions of Americans with bad credit, you know how difficult it can be to secure a loan or a credit card. You could think about employing a credit repair agency like USA Credit Repair to fast enhance your credit.

Customers will experience benefits within the first 30 days, according to USA Credit Repair. You should proceed with care, though, since the organization gives little specifics regarding its services or cost.

Any credit repair firm that guarantees particular outcomes should be avoided. Because so many variables may influence your credit score, it’s hard to anticipate how a credit repair service will effect it.

Pros Explained

  • Contracts are not required: Unlike other credit repair organizations, USA Credit Repair enables consumers to pay on a monthly basis.
  • Free credit consultation: You may obtain a free credit consultation from USA Credit Repair to analyze your credit reports. This might help you determine whether the firm is good for you.

Cons Explained

  • There isn’t much information available online: Major credit repair organizations usually have extensive websites that clarify the services they provide, their pricing plan, and instructional materials. The website of USA Credit Repair is far more basic, with less detailed information.
  • Uncertain prices: On its website, USA Credit Repair does not specify its service fees. While it advertises $0 setup costs as one of its perks, it also states lower down on its website that an initial setup work fee will be paid during the first week or after first work is done.
  • Troubling customer reviews: Although there are few reviews accessible for USA Credit Repair, the ones that are available are concerning. Several clients claim they paid hundreds or even thousands of dollars and received no results. Others reported being charged for things they did not consent to and having difficulty receiving support from the firm.

Types of Services

USA Credit Repair says that it can assist people with bad credit improve their credit scores by contesting erroneous information on their credit reports. Individuals may improve their results by up to 90 points in 90 days, according to the business.

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Although there is little information available regarding USA Credit Repair’s services, the organization does state that it provides the following.


USA Credit Repair can assist you in reviewing your credit reports and disputing incorrect accounts with the credit agencies.

Debt Validation

USA Credit Repair will send a debt validation letter to the creditor if you have debt that is in default or collections. Legally, the creditor must establish that the debt is current and belongs to you, or the item will be deleted off your credit reports.

Goodwill Intervention

USA Credit Repair will send letters of goodwill intervention to creditors who have reported late payments. In return for agreeing to make future payments by their deadlines, the letter begs that the creditor eliminate the late payment.

Optional Add-Ons

USA Credit Repair does not offer additional services.

Company Features

Customers of get access to the following features:

  • Free credit repair consultation: Contact USA Credit Repair for a free credit consultation and credit report analysis.
  • Expedited program: For an extra cost, USA Credit Repair offers an accelerated approach to help you receive results as fast as possible.
  • Online account access: You may access your account through the USA Credit Repair customer portal at any time.

Although credit repair services are handy, you can accomplish all they can do for free, although with some time and effort. provides free credit reports.

Customer Service

Although some credit repair firms provide 24/7 customer service, USA Credit Repair’s staff is only accessible during business hours, which are Monday through Friday from 9:00 a.m. to 6:00 p.m. You may call customer service by phone at (800) 509-575 or by email at [email protected]

Company Reputation

There isn’t much information available regarding USA Credit Repair’s reputation. There are presently no Consumer Financial Protection Bureau (CFPB) complaints (however this says nothing about the company’s reputation), nor have any Trustpilot evaluations been made.

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However, complaints have been filed with the Better Business Bureau (BBB).Customers claimed in their complaints that USA Credit Repair charged them hundreds or thousands of dollars without providing any results. Several customers said they sought refunds but never received a response from customer service.

Worse, according to a few complaints, consumers’ bank accounts or credit cards were charged for services they did not consent to, and they struggled to contact corporate staff for refunds. In one instance, a consumer claimed they were charged hundreds of dollars for BioLife Supplements—another firm owned by the same parent corporation as USA Credit Restoration—rather than credit repair services.

Contract Duration

Customers are not required to sign contracts with USA Credit Repair. You may instead pay for its services on a monthly basis and cancel at any moment.

A spokesman informed us that the firm also offers a yearly subscription, with a $199 cancellation charge if you wish to cancel.


USA Credit Repair does not publish its cost online, but when we contacted with a representative, we learned that the most affordable plan begins at $99 per month. There is also a yearly plan available for $499.

According to a corporate spokesperson, USA Credit Repair offers a 30- to 90-day money-back guarantee, although the terms are vague.

How to Choose a Credit Repair Company

There are several credit repair organizations, and their prices, services, and response may vary greatly. Consider the following things before signing a contract and giving over your money:

  • Setup and recurring fees: Depending on the provider, there may be a one-time setup price as well as a monthly service fee.
  • Customer service: Some credit repair organizations provide 24-hour customer assistance, while others are only accessible during regular business hours.
  • Commitment: While some firms accept monthly payments, others want a longer term commitment. If you cancel, you may be charged a cancellation fee.
  • Return policies: Many businesses provide service guarantees and will refund your money if you are dissatisfied with the service you get.
  • Additional features: Some businesses include extra advantages such as credit monitoring, identity theft protection, and financial planning tools.
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Credit repair firms are not the same as credit counseling services. A non-profit credit counseling firm may help you design a debt management strategy and create a budget.

Alternative Choices

USA Credit Repair claims that its consumers may see big improvements, but it’s always a good idea to look into alternative choices. The Credit Pros, one of the greatest credit repair businesses, is another option to investigate.

The Credit Pros, unlike USA Credit Repair, openly states its rates and offered services. Aside from credit report disputes and credit monitoring, the organization also offers identity theft protection and financial planning.

You may reach The Credit Pros by phone or online, and it also offers a smart mobile app that you can use to track the growth of your credit score.

USA Credit RepairThe Credit Pros
Services OfferedCredit report disputes Creditor interventionCredit report disputes Creditor intervention Credit monitoring Identity theft protection Financial planning
Max. Number of Monthly DisputesUnlimitedUnlimited
Letters to Creditors/BureausDebt validation, goodwillNot disclosed
First Work FeeNot disclosed$119 to $149
Monthly Fee$99 and up$69 to $149
Customer Service PlatformsOnline, phoneOnline, phone, mobile app

Final Verdict

Although USA Credit Repair may be beneficial to certain clients, the company’s lack of openness about its prices and services is a big disadvantage. There are several alternative businesses that clearly advertise their services and plan fees and have better reputations for customer service and response.

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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