Credit restoration company serving veterans and civilians offering dispute services, debt negotiation, and credit counseling with a 90-day results guarantee or money back.
Data compiled from public sources · Rating from CreditDoc methodology
Veterans and Civilian Credit Restoration is a credit repair firm positioned to serve both military service members and civilian consumers seeking to improve their credit profiles. The company operates through its website at veteransandciviliancreditrestoration.com and advertises specialized focus on post-military financial recovery alongside general credit repair services.
The company offers credit dispute services, debt negotiation and counseling, identity theft credit recovery, mortgage credit repair, and claims to help remove bankruptcies, charge-offs, late payments, collections, and other negative items from credit reports. They market a 90-day results guarantee with money-back assurance and claim to help clients recover up to $4,000 from credit bureaus through credit deletions. The company provides consultation packages ranging from free 15-minute sessions to $99.99 one-hour financial roadmap sessions, along with downloadable e-books priced at $29.99 each covering bankruptcy removal and credit bureau litigation.
The company differentiates itself through targeted marketing toward veterans combined with civilian services, and promotes having completed 854+ cases with 552+ happy customers. They offer multiple service tiers and emphasize personalized strategies for credit rebuilding. Contact information provided includes a phone number (619-270-7053) for consultation booking and pricing inquiries.
Critical assessment reveals several concerns: the website contains incomplete FAQ answers (multiple sections with placeholder Lorem Ipsum text), making it difficult to understand actual processes or timelines. Claims about removing bankruptcies in 60 days and winning $4,000 from credit bureaus through litigation are presented aggressively without legal disclaimers typical of compliant credit repair firms. The money-back guarantee and specific timelines lack detailed terms. No visible information about FCRA compliance, business licensing, or registration with state attorneys general is provided on the site.
In the broader ecosystem of credit repair services, consumers have multiple paths to improving their credit. Professional credit repair companies can dispute inaccurate items with all three bureaus, while credit monitoring services provide ongoing alerts about changes to your reports. For those building credit from scratch, secured credit cards and credit builder loans offer structured approaches. Consumers dealing with overwhelming debt may benefit from debt consolidation loans to simplify payments, or credit counseling through nonprofit agencies for personalized budgeting guidance. Consumers who successfully repair their credit often find better rates on installment loans, secured credit cards, and other financial products.
While repairing your credit, a secured card builds positive payment history from day one. Several options require no credit check.
Yes. Veterans & Civilian Credit Restoration Corp is a registered company, headquartered in San Diego, CA.
Veterans & Civilian Credit Restoration Corp plans start at $49.99 per month with no setup fee. No money-back guarantee is offered.
Results vary by individual situation. Contact the provider to discuss expected timelines for your specific needs.
CreditDoc Diagnosis
Best for veterans and civilians seeking aggressive credit dispute services with debt negotiation bundled in, particularly those willing to pay consultation fees. Major caveat: the website's incomplete FAQ sections, lack of regulatory disclosures, and unsubstantiated claims about bankruptcy removal timelines and settlement amounts raise red flags about transparency and FCRA compliance; verify licensing and guarantees before engaging.
Debt.com is a free debt relief referral marketplace matching consumers with accredited debt settlement, management, and consolidation partners in all 50 states.
Best for: Consumers with $10,000–$25,000+ in unsecured credit card debt who want a free, guided first step, People who need help comparing debt settlement, DMP, and consolidation options before committing to one path
Rick Harrison's Pawn Plaza is a two-story retail center in Downtown Las Vegas housing the Gold & Silver Pawn Shop (featured on History's Pawn Stars) plus dining and entertainment options.
Best for: Tourists visiting Las Vegas seeking the Pawn Stars location and experience, Customers comfortable with walk-in, in-person pawn transactions in a retail environment
Nashville-based credit repair company offering unlimited disputes and deletions for $99/month plus $149 enrollment fee, targeting consumers with collections, late payments, and charge-offs on their reports.
Best for: Consumers in Tennessee seeking local credit repair with affordable monthly payments and no contract, Individuals with multiple negative items (collections, late payments, charge-offs) wanting unlimited dispute attempts
Compare the costs, time, and effectiveness of fixing your credit yourself versus paying a professional company.
Read guide →Step-by-step instructions for disputing errors on your credit report with all three bureaus, including templates and timelines.
Read guide →A complete breakdown of the credit repair process — what companies actually do, the legal framework behind it, and realistic timelines for results.
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. You should check all three reports because an error on one could be costing you money.
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 the strongest protection 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's score is typically higher.
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.
Errors on credit reports are common — 1 in 5 consumers has at least one mistake. Checking your report regularly is the first step to fixing errors that are costing you money.
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 score goes up 40 points.
A 3-digit number (300-850) that summarizes how reliably you've handled borrowed money. Higher scores mean lower risk to lenders and better loan terms for you.
Your credit score determines whether you get approved and at what rate. A 100-point difference can mean thousands of dollars more or less in interest over a loan's life.
Example
On a $250,000 30-year mortgage: a 760 score gets you 6.2% ($1,536/month). A 660 score gets 7.4% ($1,729/month). Over 30 years, the lower score costs you $69,480 more.
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). Keeping it below 30% helps your score; below 10% is ideal.
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 boost your score by 20-50 points.
The most widely used credit scoring model, created by Fair Isaac Corporation. 90% of top lenders use FICO scores for 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 lower your score by 5-10 points and stays on your report for 2 years.
Multiple hard inquiries in a short period suggest you're desperately seeking credit, which is a red flag. 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 drops 25-50 points 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 shopping around is safe.
Example
You use Credit Karma to check your score (soft pull — no impact). A credit card company sends you a pre-approved 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 worth it? 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.
Legitimate credit repair companies are NOT allowed to charge before they do work (per the Credit Repair Organizations Act). A setup fee before any results is a red flag.
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 predatory 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 scams. If a company demands payment before doing any work, they're likely violating federal law. Legitimate companies charge after results.
Example
A company says 'Pay $500 upfront and we'll remove all negative items guaranteed.' That violates CROA on two counts: upfront fees and guaranteed results. Legitimate companies 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 must investigate within 30 days and remove inaccurate information. You can 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 must remove it. If they ignore your dispute, you can 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 must stop contacting you if you request in writing.
Knowing your FDCPA rights stops abusive collection tactics. If a collector violates the law, you can 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 you must 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 you must 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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