Continental Credit vs Lenders Choice Credit Solutions (2026)
Written by Harvey Brooks | Reviewed by the CreditDoc Editorial Team
Summary
Continental Credit charges $268 for the first month ($179 setup + $89/month), while Lenders Choice uses a pay-per-deletion model starting at $199/month plus $50 per deleted account. Continental Credit holds an A+ BBB rating with 780 reviews (4.4/5), while Lenders Choice has no BBB rating and 133 reviews (4.8/5). Lenders Choice offers a money-back guarantee and disputes with creditors directly, but lacks transparency on founding date, licensing, and CROA compliance. Continental Credit provides a dedicated specialist and no long-term contracts, though it lacks a money-back guarantee. For established reputation and regulatory clarity, Continental Credit is the safer choice despite higher initial costs.
Side-by-Side Comparison
| Feature | ||
|---|---|---|
| Monthly Price | From $89.00/mo Best | From $Infinity/mo |
| Setup Fee | $179.00 Best | $199.00 |
| BBB Rating | A+ Best | NR |
| Money-Back Guarantee | No | Yes Best |
| Our Rating | | |
| Credit Monitoring | ||
| All 3 Bureaus | ||
| Goodwill Letters | ||
| Cease & Desist Letters | ||
| Debt Validation | ||
| Credit Education | ||
| ID Theft Protection | ||
| Score Tracking | ||
| Mobile App | ||
| Online Portal | ||
| Personal Advisor | ||
| AI-Powered |
Which One Is Right for You?
CreditDoc Diagnosis
Doctor's Verdict on Continental Credit
Choose Continental Credit if you want: Consumers who have identified specific inaccuracies on their credit reports and want a specialist to manage the dispute process. People who prefer working with a live human contact rather than an automated or self-service dispute platform. Top strength: Founded in 2006 — nearly 20 years of credit repair experience.
CreditDoc Diagnosis
Doctor's Verdict on Lenders Choice Credit Solutions
Choose Lenders Choice Credit Solutions if you want: Dallas-area consumers with multiple derogatory accounts (collections, charge-offs, late payments) who want to pay only for verified removals. Individuals or couples preparing for a mortgage, auto loan, or major credit application in the near term. Top strength: Pay-per-deletion pricing ($50/account/bureau) — you only pay when items are actually removed, not a flat monthly fee regardless of results.
CreditDoc Diagnosis
Doctor's Verdict on Continental Credit
Our pick: Continental Credit. Continental Credit's A+ BBB rating, 20-year track record since 2006, and transparent fee structure outweigh Lenders Choice's pay-per-deletion appeal. Lenders Choice's lack of founding date disclosure, absent BBB rating, and undisclosed CROA compliance raise significant trust and regulatory concerns that override its money-back guarantee.
Frequently Asked Questions
Which is cheaper, Continental Credit or Lenders Choice Credit Solutions?
Lenders Choice Credit Solutions is cheaper at Free/mo compared to Continental Credit at $89.00/mo. However, Lenders Choice Credit Solutions charges a $199.00 setup fee, while Continental Credit charges a $179.00 setup fee.
Which has a better BBB rating, Continental Credit or Lenders Choice Credit Solutions?
Continental Credit has a A+ BBB rating, while Lenders Choice Credit Solutions has a NR BBB rating. The BBB rating reflects how well a company responds to customer complaints and conducts business.
Do Continental Credit and Lenders Choice Credit Solutions offer money-back guarantees?
Continental Credit does not offer a money-back guarantee. Lenders Choice Credit Solutions offers a money-back guarantee: If Lenders Choice does not help you increase your credit score, they refund your money. Specific terms and conditions beyond this statement are not detailed on their website.
Which company is better overall, Continental Credit or Lenders Choice Credit Solutions?
Based on our analysis, Continental Credit is the better overall choice. Continental Credit's A+ BBB rating, 20-year track record since 2006, and transparent fee structure outweigh Lenders Choice's pay-per-deletion appeal. Lenders Choice's lack of founding date disclosure, absent BBB rating, and undisclosed CROA compliance raise significant trust and regulatory concerns that override its money-back guarantee.
Explore More Options
Affiliate Disclosure: CreditDoc may earn a commission when you click links to the services featured on this page. Our editorial team independently evaluates all services. Learn more.