Community Credit Repair logo

Community Credit Repair in Las Vegas, NV

4.9/5
Google rating from 149 reviews

Community Credit Repair is a credit repair provider based in Las Vegas, Nevada. Rated 4.9/5 with 149 Google reviews, reflecting exceptional customer satisfaction.

Data compiled from public sources · Google rating shown when a stored review count is available

Community Credit Repair Review

Community Credit Repair is a Las Vegas-based credit counseling and repair service that helps consumers address negative items on their credit reports and work toward improved financial standing. Operating under the domain communitycreditrepair.org, the company serves individuals in the greater Las Vegas, Nevada area who are dealing with damaged credit histories, whether from missed payments, collections, charge-offs, or other derogatory marks. With a 4.9-star rating across 149 Google reviews, the firm has built a strong local reputation for responsiveness and client outcomes.

As a credit counseling service, Community Credit Repair appears to offer a combination of dispute-based credit repair and financial education. The company likely works by reviewing clients' credit reports from all three major bureaus—Experian, TransUnion, and Equifax—identifying inaccurate, outdated, or unverifiable items, and submitting formal disputes on the client's behalf. Credit counseling services in this category also typically provide guidance on debt management strategies, budgeting, and credit-building habits that support long-term score improvement rather than quick fixes.

Consumers considering Community Credit Repair should be aware of a few important realities that apply to all credit repair services. First, credit repair with provider claims to verify cannot legally remove accurate negative information before its natural expiration date—typically seven years for most derogatory marks. What reputable firms do is identify and challenge items that are genuinely inaccurate or unverifiable under the Fair Credit Reporting Act. Additionally, under the Credit Repair Organizations Act (CROA), any provider must provide a written contract and cannot charge upfront fees before services are rendered. Prospective clients should request a clear disclosure of fees, timelines, and what specific services are included before signing anything.

On balance, Community Credit Repair's near-perfect rating across a meaningful volume of reviews suggests a consistently positive client experience, which is a meaningful signal in an industry where bad actors are common. The Las Vegas location also means clients have the option of in-person consultations, which some consumers find more reassuring than fully remote services. That said, comparable public verification context of outcomes—such as average score improvement or dispute success rates—is not publicly available, and as with any credit repair firm, results will vary significantly based on the individual's credit profile. Consumers with primarily accurate negative information may find limited benefit, while those with genuine reporting errors stand to gain the most. Consumers who successfully repair their credit often find better rates on installment loans, secured credit cards, and other financial products.

Services & Features

Budgeting and debt management planning
Credit counseling and personalized financial education
Credit report review and analysis across all three major bureaus
Credit score monitoring and progress tracking
Debt validation requests to collection agencies
Dispute filing for inaccurate, outdated, or unverifiable negative items
Goodwill letter writing for creditor negotiations
Guidance on credit-building strategies (secured cards, credit mix)
Identity theft recovery assistance

Feature Checklist

AI-Powered Tools
Mobile App
Online Portal
Score Tracking
Debt Validation
Credit Education
Goodwill Letters
Personal Advisor
All Three Bureaus
Credit Monitoring
Cease & Desist Letters
Identity Theft Protection

Pros & Cons

Pros

  • Exceptionally high 4.9/5 Google rating from 149 reviews, indicating consistent client satisfaction
  • Local Las Vegas presence allows for in-person consultations, which is uncommon among many national credit repair firms
  • Operates as a credit counseling service, suggesting a more holistic financial guidance approach beyond simple dispute filing
  • Strong community reputation in a city with a large population dealing with credit challenges
  • Appears to work across all three major credit bureaus for comprehensive dispute coverage

Cons

  • No publicly listed pricing or service tiers on the website, making cost comparisons difficult before contacting the firm
  • Limited geographic reach—primarily serves Las Vegas and surrounding Nevada areas, with unclear remote service availability
  • As with all credit repair services, results depend heavily on whether negative items are genuinely inaccurate; accurate derogatory marks cannot be legally removed
  • Relatively modest review volume (149) compared to national chains, making statistical confidence in outcomes harder to assess
  • No independently verified outcome data (average score gains, dispute success rates) is publicly available

Research Secured Credit Card Options

While repairing your credit, a secured card can add payment-history context when it reports to the bureaus. Compare deposits, fees, bureau reporting, and any no-credit-check claims directly.

State Consumer Finance Context

This is state-level context for Credit Repair consumers in Las Vegas, NV. It does not confirm that Community Credit Repair or this specific location is licensed.

State regulator

Nevada Financial Institutions Division

Credit and debt help rules in Nevada

Relevant law: Nevada Credit Services Organization Act (Nev. Rev. Stat. § 598.741-598.787)

Registration: Required with Nevada Division of Mortgage Lending

Upfront fees: Listed as prohibited in the current CreditDoc state summary

  • Credit repair companies must provide written contract with clear terms, cost, timeline, and explicit statement that consumer has right to dispute debts independently at no cost
  • Companies cannot charge fees until services are actually performed; upfront fees are prohibited
  • Must provide consumer with copy of their credit report at no charge and inform them of right to obtain free report directly from bureaus

Key state rules to check

  • Payday loans capped at 25% of borrower's expected gross monthly income.
  • No APR cap on payday loans; rates can exceed 600% APR.
  • Maximum loan term is 35 days.

Source: CreditDoc state-law summary and listed public regulator resources. Verify licensing directly with the listed state regulator before relying on a provider.

Frequently Asked Questions

What services does Community Credit Repair offer?

Community Credit Repair offers 9 services including Credit report review and analysis across all three major bureaus, Dispute filing for inaccurate, outdated, or unverifiable negative items, Goodwill letter writing for creditor negotiations, Debt validation requests to collection agencies, Credit counseling and personalized financial education, and 4 more.

What profile signals are listed for Community Credit Repair?

Community Credit Repair has profile signals associated with Consumers in Las Vegas, Nevada looking for credit repair services, People who prefer working with a local credit repair provider, Individuals with negative items on their credit reports, People preparing for major purchases like home or car buying.

What are the strengths and weaknesses of Community Credit Repair?

Key strengths: Exceptionally high 4.9/5 Google rating from 149 reviews, indicating consistent client satisfaction; Local Las Vegas presence allows for in-person consultations, which is uncommon among many national credit repair firms; Operates as a credit counseling service, suggesting a more holistic financial guidance approach beyond simple dispute filing. Areas to consider: No publicly listed pricing or service tiers on the website, making cost comparisons difficult before contacting the firm; Limited geographic reach—primarily serves Las Vegas and surrounding Nevada areas, with unclear remote service availability.

How does Community Credit Repair compare to similar companies?

In the Credit Repair category, comparable providers include American Consumer Credit Counseling, Inc., Illinois Credit Services, iMax Credit Repair Firm. Each company has different strengths, so compare services, pricing, and consumer complaint records before deciding what to do next.

CreditDoc Profile Note

Research Note on Community Credit Repair

Community Credit Repair is best suited for Las Vegas-area consumers who have identifiable inaccuracies or unverifiable items on their credit reports and want a locally accountable firm with a hands-on counseling approach. The main caveat is that clients with mostly accurate negative history—late payments, legitimate collections—should set measured expectations, as no firm can legally erase valid derogatory information ahead of its statutory expiration.

Profile Signals

  • Consumers in Las Vegas, Nevada looking for credit repair services
  • People who prefer working with a local credit repair provider
  • Individuals with negative items on their credit reports
  • People preparing for major purchases like home or car buying
Updated 2026-04-30

Similar Companies

American Consumer Credit Counseling, Inc. logo

American Consumer Credit Counseling, Inc.

ACCC is a 501(c)(3) nonprofit credit counseling agency founded in 1991, offering free debt management programs starting at \/month. BBB A+ rated with 4.98 stars, NFCC member, licensed in all 50 states.

5.0/5

Google rating from 35,854 reviews

BBB: A+

Profile signals: Consumers with $3,000-$50,000 in unsecured credit card debt seeking a structured, nonprofit-guided repayment plan, Individuals who want to avoid bankruptcy and debt settlement but need professional help negotiating lower interest rates with creditors

Illinois Credit Services logo

Illinois Credit Services

Illinois Credit Services disputes inaccurate and unverifiable items on TransUnion, Equifax, and Experian reports using FCRA and FDCPA law, serving clients throughout Illinois.

4.8/5

Google rating from 158 reviews

BBB: NR

Profile signals: Illinois and Chicago-area consumers with inaccurate, erroneous, or unverifiable negative items on their credit reports, Prospective homebuyers or auto loan applicants in Illinois needing to clean up their credit file before applying

iMax Credit Repair Firm logo

iMax Credit Repair Firm

iMax Credit Repair uses litigation and attorney-led disputes to dispute reported items from credit reports, charging $0 upfront and only after results are achieved.

4.9/5

Google rating from 54 reviews

BBB: NR

Profile signals: Consumers with multiple negative items (collections, charge-offs, judgments) willing to pursue litigation rather than disputes, Individuals who can afford several thousand dollars in fees once results are achieved and want provider-stated no-pay-if-no-results protection

Compare Your Needs With Community Credit Repair

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Quick Summary

  • Community Credit Repair is listed as a Credit Repair provider in Las Vegas, NV on CreditDoc.
  • Use this page to check contact details, location, listed services, review signals, FAQs, and similar providers before deciding what to do next.
  • If you need a loan, account, installment option, credit help, or debt support, start with the fit quiz and compare alternatives before contacting a provider.
  • For broader context, continue into the free Credit Fundamentals course or a relevant financial wellness guide.

Financial Wellness Guides

Financial Terms Explained (23 terms)

New to credit and lending? Here are the key terms used on this page, explained in plain language with real-number examples.

Interest & Rates

Penalty APR — Penalty Annual Percentage Rate

A higher interest rate that kicks in when you violate your card agreement — usually by paying late or going over your credit limit. It can be nearly double your normal rate.

Why it matters

One late payment can trigger a penalty APR of 29.99% on your entire balance, and it can last 6 months or longer. Read your card agreement to know the triggers.

Example

Your credit card rate is 19.99%. You miss a payment by 61+ days. The bank triggers a 29.99% penalty APR. On a $5,000 balance, that's $125/month in interest instead of $83.

Credit & Scoring

Credit Bureau — Credit Reporting Agency (Bureau)

A company that collects and sells information about your credit history. The three major bureaus are Equifax, Experian, and TransUnion.

Why it matters

Not all lenders report to all three bureaus, so your reports may differ. It can be useful to check all three reports because an error on one could affect the terms you see.

Example

Your car loan only reports to Equifax and TransUnion. Your Experian report doesn't show that good payment history, so your Experian score is 15 points lower.

Credit Freeze — Security Freeze / Credit Freeze

A free tool that locks your credit report so no one (including you) can open new accounts until you lift it. It's one of the strongest consumer protections against identity theft.

Why it matters

A credit freeze prevents criminals from opening loans in your name, even if they have your Social Security number. It's free by law and doesn't affect your credit score.

Example

Your data was in a breach. You freeze your credit at all 3 bureaus (takes 10 minutes online). A thief tries to open a credit card in your name — denied because the lender can't pull your frozen report.

Credit Mix — Credit Mix (Types of Credit)

The variety of credit accounts you have — credit cards (revolving), auto loans (installment), mortgage, student loans, etc. Having multiple types shows you can manage different kinds of debt.

Why it matters

Credit mix accounts for about 10% of your FICO score. Having only credit cards isn't as strong as having a card, an installment loan, and a mortgage.

Example

Borrower A has 3 credit cards. Borrower B has 2 credit cards, a car loan, and a student loan. Even with the same payment history and utilization, Borrower B may be scored differently.

Credit Report — Consumer Credit Report

A detailed record of your borrowing history maintained by credit bureaus. It lists every loan, credit card, payment history, collection, and public record tied to your name.

Why it matters

Credit reports can contain errors, so checking them periodically is useful. Checking your report regularly is the first step to reviewing and disputing errors.

Example

You pull your free report from AnnualCreditReport.com and find a $2,400 medical collection you already paid. You dispute it, the bureau verifies it's resolved, and your report reflects the updated status.

Credit Score

A 3-digit number (300-850) that summarizes how reliably you've handled borrowed money. Higher scores can affect lender risk assessment and the terms shown to you.

Why it matters

Your credit score is one factor lenders may use when reviewing eligibility and pricing. Score differences can materially affect total interest over a loan term.

Example

On a $250,000 30-year mortgage: different score ranges may be associated with different rates, monthly payments, and total interest.

Credit Utilization — Credit Utilization Ratio

The percentage of your available credit that you're currently using. If you have $10,000 in credit limits and owe $3,000, your utilization is 30%.

Why it matters

Utilization is the second-biggest factor in your credit score (after payment history). Lower utilization can support credit-score context; very low utilization is often viewed more favorably.

Example

You have 3 cards with a $15,000 total limit. You're carrying $4,500 in balances (30% utilization). Paying down to $1,500 (10% utilization) could change your score context.

FICO Score — Fair Isaac Corporation Score

The most widely used credit scoring model, created by Fair Isaac Corporation. FICO scores are widely used in lending decisions.

Why it matters

FICO has many versions (FICO 8, 9, 10). Mortgage lenders still use older versions (FICO 2, 4, 5), so your mortgage score may differ from what free apps show you.

Example

Your FICO 8 score (used for credit cards) is 740. Your FICO 5 score (used for mortgages) is 725 because it weighs collections differently. Same credit history, different scores.

Hard Inquiry — Hard Credit Inquiry (Hard Pull)

When a lender checks your credit report because you've applied for credit. Each hard inquiry can affect your score and stays on your report for 2 years.

Why it matters

Multiple hard inquiries in a short period suggest you're desperately seeking credit, which can be a risk signal. Exception: mortgage and auto loan shopping within 14-45 days counts as one inquiry.

Example

You apply for 5 credit cards in one month. Each application triggers a hard inquiry. Your score can change from the inquiries alone, making each subsequent application harder.

Soft Inquiry — Soft Credit Inquiry (Soft Pull)

A credit check that does NOT affect your score. Happens when you check your own credit, when lenders pre-qualify you, or when employers do background checks.

Why it matters

You can check your own credit as often as you want without penalty. Prequalification offers from lenders also use soft pulls, so comparison shopping can be done without a score impact.

Example

You use Credit Karma to check your score (soft pull — no impact). A credit card company sends you a pre-screened offer (soft pull). You then apply for the card (hard pull — small impact).

VantageScore

An alternative credit scoring model created by the three major credit bureaus (Equifax, Experian, TransUnion). Same 300-850 range as FICO but uses a slightly different formula.

Why it matters

Many free credit monitoring apps show VantageScore, not FICO. Your VantageScore may be 20-40 points different from the FICO score a lender actually uses.

Example

Credit Karma shows your VantageScore 3.0 as 720. You apply for a mortgage and the lender pulls your FICO 2 score: it's 695. Different model, different number, different rate offered.

Fees & Costs

Late Fee — Late Payment Fee

A charge added to your account when you miss a payment deadline. Most credit cards charge $29-$41 per late payment, and many loans have similar penalties.

Why it matters

The fee itself hurts, but the real damage is to your credit score. A payment 30+ days late stays on your credit report for 7 years and can drop your score 60-110 points.

Example

Your credit card payment of $150 is due March 1. You pay on March 18. The bank charges a $39 late fee. If it's 30+ days late, it gets reported to credit bureaus and your 760 score drops to 670.

Service Fee — Monthly Service Fee

A recurring charge for maintaining a financial account or receiving ongoing services, such as credit monitoring, credit repair, or loan servicing.

Why it matters

Monthly service fees add up quickly. A $79/month credit repair service costs $948/year — make sure the value justifies the ongoing expense.

Example

A credit repair company charges $79/month to dispute items on your report. After 6 months ($474 spent), they've removed 3 negative items and your score went up 65 points. Was it Evaluation Guide Depends on your situation.

Setup Fee — Setup Fee / First Work Fee

A one-time fee charged at the beginning of a service, often by credit repair companies, to cover the cost of your initial credit analysis and account setup.

Why it matters

credit repair with provider claims to verify companies are NOT allowed to charge before they do work (per the Credit Repair Organizations Act). A setup fee before any results is a risk signal.

Example

Company A charges $99 setup fee before doing anything (potential CROA violation). Company B does a free audit first, then charges a $199 work fee only after completing work (legitimate).

Legal Terms

CFPB — Consumer Financial Protection Bureau

A federal agency created in 2010 to protect consumers from unfair financial practices. They write rules, supervise financial companies, and handle consumer complaints.

Why it matters

The CFPB is your most powerful ally against high-cost lenders. Filing a complaint with them gets a response from the company within 15 days — companies take CFPB complaints seriously.

Example

A debt collector calls your workplace after you told them to stop. You file a CFPB complaint online. Within 15 days, the collection agency responds and agrees to stop. The CFPB tracks complaint patterns across all companies.

CROA — Credit Repair Organizations Act

A federal law that regulates credit repair companies. It bans them from charging upfront fees, making false promises, and requires written contracts with a 3-day cancellation right.

Why it matters

CROA protects you from credit repair warning signs. If a company demands payment before doing any work, they're likely violating federal law. Companies following consumer-protection rules charge after results.

Example

A company says 'Pay $500 upfront and we claim we can remove all negative items.' That violates CROA on two counts: upfront fees and specific result claims. Companies following consumer-protection rules charge monthly after work begins.

FCRA — Fair Credit Reporting Act

The federal law that regulates how credit bureaus collect, share, and use your information. It gives you the right to see your report, dispute errors, and limit who can access it.

Why it matters

FCRA is the legal basis for disputing errors on your credit report. Bureaus are required to investigate within 30 days and remove inaccurate information. You may have a right to sue if they violate your rights.

Example

You dispute an incorrect collection on your Equifax report. Under FCRA, Equifax has 30 days to investigate. If they can't verify it, they are generally required to remove it. If they ignore your dispute, you may have a right to sue for damages.

FDCPA — Fair Debt Collection Practices Act

A federal law that limits what debt collectors can do. They can't call before 8am or after 9pm, can't harass you, can't lie, and are required to stop contacting you if you request in writing.

Why it matters

Knowing your FDCPA rights stops abusive collection tactics. If a collector violates the law, you may have a right to sue for up to $1,000 per violation plus attorney fees.

Example

A collector calls your workplace 3 times after you told them not to. That's 3 FDCPA violations. You hire a consumer attorney (free — they get paid by the collector). The collector settles for $3,000.

Debt & Recovery

Charge-Off

When a creditor declares your debt a loss after 180 days of nonpayment and removes it from their books. But you still owe the money — they just stop expecting to collect it themselves.

Why it matters

A charge-off is one of the most damaging entries on your credit report and stays for 7 years. The debt is usually sold to a collection agency who will pursue you for it.

Example

You stop paying your $4,000 credit card. After 180 days, the bank charges it off and sells the debt to a collector for $800. The collector now contacts you demanding the full $4,000 (they profit from what they collect above $800).

Collections — Debt Collections

When an unpaid debt is transferred or sold to a third-party collection agency that specializes in recovering the money. Collection accounts appear on your credit report for 7 years.

Why it matters

Even a $50 collection account can drop your score 50-100 points. Some newer FICO models (FICO 9) ignore paid collections, but many lenders still use older models.

Example

An old $200 gym bill goes to collections. It appears on all 3 credit reports and drops your 720 score to 640. Paying it helps with newer scoring models but under FICO 8 (still widely used), a paid collection still hurts.

Credit Cards

Balance Transfer — Credit Card Balance Transfer

Moving debt from one credit card to another, usually to take advantage of a lower interest rate (often 0% for 12-21 months). There's typically a 3-5% transfer fee.

Why it matters

A 0% balance transfer can save hundreds in interest and help you pay down debt faster. But borrowers are required to pay off the balance before the promotional period ends, or the rate jumps.

Example

You owe $8,000 at 22% APR ($147/month in interest). You transfer to a 0% APR card with a 3% fee ($240). For 18 months, $0 interest. If you pay $444/month, you're debt-free before the promo ends.

Minimum Payment — Minimum Payment Due

The smallest amount borrowers are required to pay each month to keep your account in good standing — usually 1-3% of the balance or $25, whichever is more. Paying only this amount keeps you in debt for years.

Why it matters

Minimum payments are designed to keep you paying interest as long as possible. On a $5,000 balance at 22%, minimum payments would take 20+ years and cost over $8,000 in interest.

Example

You owe $5,000 at 22% APR. Minimum payment: $100/month. At that rate, it takes 9 years to pay off and you pay $5,840 in interest — more than you originally borrowed.

Want to learn more? Read our Financial Wellness Guides for in-depth explanations and practical advice.

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