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Things To Know:
  • Disputes Credit Report Errors on Your Behalf
  • Track Your Credit Repair Process 24/7
  • Over 18 Years In Business
Visit Site presents itself to consumers as a credit repair company with a unique twist. The firm, which has been in business for over eighteen years, not only identifies negative credit items and disputes them with credit bureaus but wants to make a difference in its clients’ credit habits.  They want their clients credit scores to rise and remain high. It's a more sustainable approach.


As a result, clients who select this credit repair agency will be working with a firm that, in their own words, seeks to “empower every individual to achieve the credit scores and enjoy a lifestyle they deserve.”

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The company has been repairing consumer credit for over eighteen years and is clearly committed to improving its clients’ credit ratings.  In addition, its equally committed to improving your chances for credit access and financial success. However, if you just want a firm that will focus on repairing your credit, and not on changing your behavior, you may want to consider some of its competitors.

Credit Repair Services uses a website interface that contains some impressive client-friendly features, including visibility into the firm’s efforts and results. In a hat tip to the shift to mobile technology, its site allows downloads to tablets and smartphones. Therefore, allowing you to monitor the firm’s progress in persuading the credit bureaus to withdraw negative credit items.

After signing up and arranging for the firm to pull your credit reports, will ask you to identify items to be challenged. The company then goes a step further: they help you improve your credit behavior. Down the line, this helps increase your credit score by  having fewer negative items in the future. relies on a three-step “game plan” that they establish for each client, designed for checking, challenging, and changing the client’s credit report.

Credit Repair Benefits

The premier benefit clients receive from is the opportunity to enjoy an improved credit rating. A higher credit rating can open the door to:

  • More favorable mortgage financing
  • Auto loans
  • Credit card access
  • Better job prospects

All of these can permit clients to pursue the lifestyle they desire. publishes the numbers on how they’ve helped clients. We at CreditMarvel therefore give the firm good marks for transparency on this issue.

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On average, its clients witness the removal of seven percent of their negative credit items per month. The firm’s numbers show that this holds true for the first three-month period of service, for a 21 percent removal average.'s reputable profile and long history also offer you the benefit of knowing that you are working with a solid company.

The credit repair industry has attracted some less-than-reputable players over the years. Clients of will benefit from the assurance that they are not working with a firm that may not be in business next month. Or, that has drawn the interest of the Federal Trade Commission (FTC). is powered by TransUnion monitoring and partners with established financial partners, Credit Karma, LendingTree, and

Price, Guarantees, and Speed of Service

Importantly, charges no set-up fee and only a one-time $14.99 credit reporting fee. Their monthly charge, however, is $99.95 per month. There is no premium service or related premium charge.

While doesn't offer any service guarantees, we view this as a positive sign. As CreditMarvel likes to remind readers, guarantees only come into play when a company’s service was unsatisfactory in the first place.

With regards to speed of service, the company asserts that within four months of enrollment, the firm will be able to remove over 40% of negative items from a client’s credit history.

CreditMarvel characterizes this performance as in the average-to-good range.

Is Credit Repair a Safe Path?

Without context, you might wonder if credit repair is risky — or even legal. The answer? No financial decisions are without risk, but credit repair is certainly a viable and legal option.

In 1970, the U.S. Federal Government passed the Fair Credit Reporting Act (FCRA) to make the collection of credit information and access to personal credit histories more equitable and transparent. The specific goal of the FCRA is to make sure that the data contained in credit reporting agencies' files are fair and accurate.

To this end, the FCRA offers many reasons for disputing negative credit items, including if a particular item is:

  • Inaccurate
  • Incomplete
  • Unverifiable
  • Untimely
  • Biased
  • Misleading

Credit repair companies like, Sky Blue Credit, and Lexington Law have emerged to help individuals who might not be familiar with the details of the FCRA make sure that their data is correct.


In conclusion, this firm has a long, established record in the credit repair business. It has a solid customer base, and maintains a highly client-friendly web portal with mobile access. A significant drawback for this firm, however, is the high price of its services. While they average a 21% negative item removal rate is good, other firms have reported higher percentages.

Overall, CreditMarvel views as a solid provider of credit repair services. However, clients will simply need to decide for themselves if they are worth the extra cost.

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  1. Ian Duncan

    July 24th, 2015

    I’ve never really had bad credit or credit issues, but I’m always looking for ways to improve or maintain my score. I gave the experts at a call, and they were able to give me tons of tips and advice.

    They told me that there is a particular sequence that I should pay off my cards in order to earn the largest benefit. They also set me up with a pay off schedule.

    Having a printed visual on my fridge encourages me to pay things off in order, and also to follow the schedule they provided. Thanks to, my credit has jumped 8 points!

  2. Rahul Dubey

    November 14th, 2018

    I need to repair my cibil score so can u help us.