The Credit Repairmen vs Continental Credit (2026)
Written by Harvey Brooks | Reviewed by the CreditDoc Editorial Team
Summary
The Credit Repairmen charges $119/month with no confirmed setup fee, while Continental Credit charges $89/month plus a $179 first work fee — making Continental's first month $268 compared to $119. The Credit Repairmen holds a 4.8/5 rating across 283 reviews versus Continental Credit's 4.4/5 across 780 reviews. Continental Credit carries an A+ BBB rating, while The Credit Repairmen is not BBB-rated. The Credit Repairmen includes $1 million identity theft insurance and rent reporting to all three bureaus at no extra cost — features Continental Credit does not offer. The Credit Repairmen also provides a 30-day money-back guarantee, whereas Continental Credit offers no refunds. For clients who value consumer protections and bundled features, The Credit Repairmen offers the stronger overall package despite the higher monthly rate.
Side-by-Side Comparison
| Feature | ||
|---|---|---|
| Monthly Price | From $119.00/mo | From $89.00/mo Best |
| Setup Fee | Free Best | $179.00 |
| BBB Rating | NR | A+ Best |
| Money-Back Guarantee | Yes Best | No |
| 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 The Credit Repairmen
Choose The Credit Repairmen if you want: Aspiring homebuyers with credit damage blocking mortgage approval who want guidance from former mortgage professionals. Consumers with multiple negative items across all three bureaus (collections, late payments, charge-offs, repossessions) needing comprehensive disputes. Top strength: 4.8/5 rating across 283 Google reviews and 351 SoTellUs reviews — high volume, not just a handful of testimonials.
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 The Credit Repairmen
Our pick: The Credit Repairmen. The Credit Repairmen delivers more value per dollar with included identity theft insurance, rent reporting, and a 30-day money-back guarantee — none of which Continental Credit offers — plus a higher customer rating of 4.8/5 versus 4.4/5.
Frequently Asked Questions
Which is cheaper, The Credit Repairmen or Continental Credit?
Continental Credit is cheaper at $89.00/mo compared to The Credit Repairmen at $119.00/mo. However, Continental Credit charges a $179.00 setup fee, while The Credit Repairmen has no setup fee.
Which has a better BBB rating, The Credit Repairmen or Continental Credit?
The Credit Repairmen has a NR BBB rating, while Continental Credit has a A+ BBB rating. The BBB rating reflects how well a company responds to customer complaints and conducts business.
Do The Credit Repairmen and Continental Credit offer money-back guarantees?
The Credit Repairmen offers a money-back guarantee: 30-day money-back guarantee if not satisfied with the service. Continental Credit does not offer a money-back guarantee.
Which company is better overall, The Credit Repairmen or Continental Credit?
Based on our analysis, The Credit Repairmen is the better overall choice. The Credit Repairmen delivers more value per dollar with included identity theft insurance, rent reporting, and a 30-day money-back guarantee — none of which Continental Credit offers — plus a higher customer rating of 4.8/5 versus 4.4/5.
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