Nonprofit credit counseling organization offering credit repair through pay-per-deletion disputes, credit education, and FICO-certified coaching to help remove inaccurate items from credit reports.
Editorially reviewed by Harvey Brooks
Credit Solution Programs Inc. is a 501(c)(3) nonprofit charitable organization based in Fort Lauderdale, Florida, with a stated mission to promote personal credit and financial education in public schools nationwide. Beyond their educational advocacy, the organization operates a credit repair service model centered on disputing inaccurate or fraudulent items on consumer credit reports. The company claims accreditation as a nonprofit, FICO professional certification, veteran ownership, and chamber approval. Their website emphasizes helping consumers identify and remove reporting errors including incorrect personal information, outdated addresses, misspelled names, and negative items from their credit files.
The core service offering is a pay-per-deletion model where clients are charged only after items are successfully removed from their credit reports. Specific fees range from $20 for late payments to $250 for mortgage defaults, with charges applied per item per credit bureau. Additional services include credit report analysis, credit coaching via text, access to a video library, weekly credit education emails, online credit status monitoring, and access to consumer protection attorneys. The company markets a 45-day reappearance guarantee, promising to remove items again at no cost or issue a refund if deleted items reappear within that window.
Credit Solution Programs distinguishes itself primarily through its nonprofit status and stated mission toward credit education advocacy, contrasting with for-profit credit repair competitors. They emphasize a performance-based pricing model where payment only occurs after documented deletions are confirmed through dispute letters or third-party credit monitoring. The organization promotes consumer advocacy and positioning themselves as credit advocates rather than traditional service providers.
A critical caveat exists regarding the legitimacy of their core business model. Pay-per-deletion credit repair services operate in a legally gray area—the Fair Credit Reporting Act (FCRA) permits disputing inaccurate information, but paying specifically for deletions can border on problematic practices. While the company claims to focus on accuracy errors and fraud, the aggressive fee structure tied directly to deletions raises questions about whether they distinguish adequately between legitimate accuracy disputes and illegitimate deletion tactics. No independent verification of their 501(c)(3) status verification, FICO certification claims, or client success rates is provided on the website. Consumers should verify nonprofit status independently and understand that credit repair results are not guaranteed despite marketing language.
Yes. Credit Solution Programs is a registered company headquartered in 1451 W Cypress Creek Rd #300, Fort Lauderdale, FL 33309. They hold a NR rating with the Better Business Bureau.
CreditDoc Diagnosis
Best for consumers with verified inaccuracies or identity theft seeking nonprofit-based credit repair with performance-based pricing. Critical caveat: verify their 501(c)(3) nonprofit status independently and understand that pay-per-deletion models exist in a legally gray area—legitimate disputes of inaccurate information differ substantially from questionable deletion tactics that may violate FCRA regulations. No independent verification of success rates or claimed certifications is available.
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