CreditRepair.com

CreditRepair.com was established in 2012 under Progrexion Holdings, a Salt Lake City-based credit services conglomerate that grew it into one of the most recognizable names in the credit repair industry. That recognition now comes with serious caveats. In June 2023, Progrexion filed for Chapter 11 bankruptcy, and the Consumer Financial Protection Bureau finalized a $2.7 billion settlement against Progrexion entities — including CreditRepair.com and Lexington Law — for charging illegal advance fees in violation of the Telemarketing Sales Rule. The companies were banned from telemarketing credit repair services for 10 years. Approximately $1.8 billion in refunds were distributed to roughly 4.3 million consumers in 2024. CreditRepair.com has since restructured and resumed operations at significantly reduced scale.

The company offers three service tiers: Direct ($69.95/mo), Standard ($99.95/mo), and Advanced ($119.95/mo). Each plan carries a matching first-work fee due five days after signup. All plans include credit report analysis, bureau challenges with Experian, Equifax, and TransUnion, creditor interventions, cease and desist letters, a personal online dashboard, and a score tracker. Higher tiers add more disputes and interventions per cycle along with credit alerts, while the Advanced plan also includes identity theft insurance and personal financial planning tools. A free initial consultation is available before any financial commitment.

CreditRepair.com does offer a reasonably modern technology experience: both iOS and Android mobile apps support biometric login, score tracking, and real-time progress updates on disputes and removed items. This level of digital access is a genuine differentiator over older competitors. However, there is no money-back guarantee — cancellations forfeit any remaining paid days with no refund. The company also does not operate in 12 states (including Colorado, Georgia, and Ohio), likely a consequence of state credit repair laws and the fallout from the CFPB enforcement action.

CreditRepair.com holds a D rating from the Better Business Bureau and is not BBB accredited, with consumer complaints consistently citing billing disputes and difficulty canceling service — the same conduct patterns that triggered federal enforcement. For consumers weighing this service, the combination of no refund policy, restricted state availability, poor BBB standing, and the largest credit repair enforcement action in U.S. history creates a risk profile that most alternatives do not carry. Consumers with options should seriously evaluate better-rated services with money-back guarantees before enrolling here.