Free-Help · Florida
Rating: 3.9/5
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.
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website emphasizes helping consumers identify and remove reporting errors including incorrect personal information, outdated addresses, misspelled names, and negative items from their credit files.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.
Reader-focused summary of the strongest reasons to consider Credit Solution Programs and the factors most worth weighing before contracting. Individual outcomes depend on your credit situation and goals.
Credit Solution Programs works best for consumers who value nonprofit 501(c)(3) status with publicly listed ein (83-4401428) available for i and can accept the tradeoff of pay-per-deletion business model operates in legally questionable gray area under. Compare against similar providers below before signing any contract.
Before signing up with any Free Help provider, review these safeguards:
Match these decision factors against Credit Solution Programs's profile before committing. This rubric mirrors what independent consumer-finance research typically checks for Free Help providers.
Free Help
11 services listed
1 states
Credit Solution Programs offers 11 services including Pay-per-deletion credit repair disputes (late payments, collections, charge-offs, defaults, bankruptcies), Credit report analysis and review, Credit coaching via text message, Access to video library for credit education, Weekly credit education emails, and 6 more. Confirm current service list directly with the provider before contracting.
Credit Solution Programs's profile signals suggest it may fit: Consumers with confirmed identity theft, credit merges, or demonstrably inaccurate personal information on reports; Those seeking nonprofit-based credit counseling combined with dispute services; Individuals wanting performance-based pricing with no upfront fees. Individual outcomes vary based on your specific situation.
Key strengths: Nonprofit 501(c)(3) status with publicly listed EIN (83-4401428) available for independent verification; Pay-per-deletion model means clients only pay after documented deletions confirmed by credit bureaus; 45-day reappearance guarantee with refund option if deleted items reappear. Areas to consider: Pay-per-deletion business model operates in legally questionable gray area under FCRA regulations; No independent verification of claimed 501(c)(3) status, FICO certifications, or client success rates on website.
In the Free Help category, comparable providers include Cambridge Credit Counseling Corp., Navicore Solutions, Take Charge America. Each company has different strengths, so compare services, pricing, and consumer complaint records before deciding what to do next.
Credit Solution Programs serves customers in 1 states including Florida. Confirm current service availability in your state directly with the provider.
Listed pricing for Credit Solution Programs: monthly price: 0; setup fee: 0; money back guarantee: False. Pricing may change — verify current fees directly with the provider before signing any contract.
This is state-level context for Free Help consumers in Florida. It does not confirm that Credit Solution Programs or this specific location is licensed.
Payday lending in Florida: Legal (max $500)
Usury cap: 18% for loans under $500,000; 25% criminal usury threshold; payday loans regulated separately
Florida allows payday lending with notable consumer protections including a statewide database preventing multiple simultaneous loans, a $500 cap, and a 24-hour cooling-off period. The Office of Financial Regulation oversees all consumer lenders. Consumers can file complaints online through the OFR or the Attorney General.
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Credit Solution Programs — Free Help in Florida.
Overall rating: 3.9/5
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.
Common terms that come up when comparing Free Help providers. Full glossary at creditdoc.co/glossary/.