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CreditRepair.com offers three-bureau credit disputes and creditor interventions across 38 states, though the company carries significant regulatory baggage following a landmark 2023 CFPB settlement.
Data compiled from public sources
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 listed refund term — 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 listed refund terms before enrolling here.
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.
This is state-level context for Credit Repair consumers in Salt Lake City, UT. It does not confirm that CreditRepair.com or this specific location is licensed.
State regulator
Utah Department of Financial Institutions
Consumer protection
Relevant law: Utah Credit Services Organizations Act (Utah Code § 13-21-1 et seq.)
Registration: Required with Utah Division of Consumer Protection (Department of Commerce)
Upfront fees: Listed as prohibited in the current CreditDoc state summary
Source: CreditDoc state-law summary and listed public regulator resources. Verify licensing directly with the listed state regulator before relying on a provider.
According to CFPB data (2023-present), CreditRepair.com has a 100% response rate to consumer complaints, with 69.2% of those responses delivered within the CFPB's 15-day window. Response rate measures whether the company replied — not whether the consumer's issue was resolved in their favor.
CreditRepair.com offers 10 services including Free initial credit consultation and report analysis, Credit bureau disputes with Experian, Equifax, and TransUnion, Creditor interventions and direct creditor communication, Cease and desist letters to collection agencies, Personalized credit improvement game plan, and 5 more.
CreditRepair.com has profile signals associated with Consumers in one of the 38 served states with multiple inaccurate bureau items, People who want mobile app access to monitor dispute progress, Those needing both creditor interventions and bureau challenges in one plan, Consumers who have verified the company operates in their specific state.
Key strengths: Free initial consultation with no obligation to enroll; Works with all three major credit bureaus simultaneously; Mobile app available on iOS and Android with biometric login. Areas to consider: No listed refund term — no refunds for unused service after cancellation; Subject to a $2.7 billion CFPB settlement for illegal advance fee practices.
In the Credit Repair category, comparable providers include Credit Saint, Lexington Law, The Credit People. Each company has different strengths, so compare services, pricing, and consumer complaint records before deciding what to do next.
CreditRepair.com serves customers in 39 states including Alabama, Alaska, Arizona, Arkansas, California, Connecticut, Delaware, Florida, and 31 more states.
CreditDoc Profile Note
CreditRepair.com may dispute inaccurate negative items effectively, but its CFPB enforcement history, D BBB rating, no-refund policy, and restricted state availability make it a high-risk choice compared to better-rated alternatives.
Public data from the Consumer Financial Protection Bureau
* Percentage of consumer complaints that received a company response (does not indicate the complaint was resolved in the consumer's favor)
** Percentage of responses delivered within the CFPB's 15-day window
Source: consumerfinance.gov | Last checked 2026-03-20
Premium credit repair with a 90-day listed refund term, escalated dispute strategies, and three service tiers to match your budget.
Google rating from 13,778 reviews
Profile signals: Consumers who want a mid-range credit repair service with escalating dispute tactics, People who value a clearly defined 90-day listed refund term
Attorney-led credit repair firm with legal experience context in consumer credit law. One of the most recognized names in credit repair, now operating under a restructured model.
Google rating from 4,224 reviews
Profile signals: Consumers with complex credit issues that may involve legal violations, People dealing with identity theft or mixed credit files
The Credit People is a credit repair service that disputes negative items on credit reports across all three bureaus, claiming average score increases of 50-100+ points within 60 days.
Google rating from 271 reviews
Profile signals: Consumers with multiple negative items (collections, charge-offs, late payments) who prefer hands-off service, People with limited time or organization skills who want professional management of the dispute process
Answer 3 quick questions to review category, service, and profile context.
1. What's your primary financial goal?
Facing overwhelming debt? This guide provides actionable steps and scripts to negotiate with creditors, settle debts for less, and take back control of your finances.
Read guide →A day-by-day action plan for raising your credit score in 90 days — covering disputes, utilization, accounts, and the specific moves that produce the fastest results.
Read guide →A charge-off is one of the worst marks on your credit report, but it's not permanent. Learn exactly how to dispute, negotiate, or wait out charge-offs to rebuild your credit.
Read guide →New to credit and lending? Here are the key terms used on this page, explained in plain language with real-number examples.
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.
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.
A company that collects and sells information about your credit history. The three major bureaus are Equifax, Experian, and TransUnion.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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%.
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.
The most widely used credit scoring model, created by Fair Isaac Corporation. FICO scores are widely used in lending decisions.
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.
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.
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.
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.
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).
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.
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.
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.
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.
A recurring charge for maintaining a financial account or receiving ongoing services, such as credit monitoring, credit repair, or loan servicing.
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.
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.
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).
A federal agency created in 2010 to protect consumers from unfair financial practices. They write rules, supervise financial companies, and handle consumer complaints.
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.
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.
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.
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.
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.
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.
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.
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.
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).
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.
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.
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.
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.
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.
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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