Credit Lift

What Credit Lift does

Credit Lift Inc is a Houston, Texas-based, founder-owned consumer credit repair company established in 2015 by Taqwanna Clark. The firm helps individual consumers remove inaccurate, erroneous, and obsolete items from their credit reports through a subscription-based restoration program ('Lift Me Up Plan') supplemented by a portfolio of DIY educational e-books. Core service enrollment requires a $199 audit/onboarding fee plus recurring monthly fees reported between $119 and $140.99, with a stated max contract value of $913 over six months; couples pay a $398 enrollment plus $120.99/month per spouse. Mandatory credit monitoring is delivered through IdentityIQ at $21.99-$27.99/month and is paid directly to the provider, not to Credit Lift. The company also sells one-time digital e-books ranging from $15 to $49 (DIY Credit Repair Kit, Ultimate Homebuyers Guide, Pro Dispute Letter Templates, Business Credit 90-120 Days, Bank Accounts for Success).

The operating model is direct-to-consumer and sales-led. Prospects book consultations ($199, credited toward enrollment if the client signs up), self-enroll online, and complete onboarding through a web-based client portal providing 24/7 case status visibility, document uploads, scheduling, and dispute specialist communication. The underlying technology is a web-based portal with 256-bit SSL encryption, secure encrypted databases, automated bank draft billing, and tri-bureau credit report ingestion from IdentityIQ (Equifax, TransUnion, Experian). Service delivery is heavily human-expert-led by board-certified credit consultants; no AI/ML capabilities are evidenced.

Service coverage is restricted to residents of 13 U.S. states (Texas, Alabama, Alaska, Hawaii, Wyoming, Vermont, North and South Dakota, Rhode Island, New York, New Mexico, New Jersey, Montana, Kentucky), with stated intent to expand geographically. The company is privately held with no external funding, headcount of 1-10 employees, a $10,000 surety bond through Brooklyn Ventures LLC, FCRA certification, multiple board certifications through the Credit Consultants Association, and was featured in New York Times Magazine's 'The High Cost of Bad Credit' article. Distribution combines direct website enrollment, by-appointment consultations, a real estate affiliate program, and partnerships with affiliate platforms and The CES Shop for complementary real estate education resources.

Name

Credit Lift

Legal name

Credit Lift Inc

Website

https://yourcreditlift.com

Company type

Private

Founded year

2015

Operating status

Operating

Headcount range

1–10 employees

Short description

Credit Lift Inc is a Houston-based, founder-owned consumer credit repair company founded in 2015 that helps individuals remove inaccurate items from their credit reports via a subscription restoration program and DIY e-books, serving residents across 13 U.S. states with mandatory IdentityIQ credit monitoring integration.

Ownership category

akta.pro rank

Product category

Credit Repair Services

NAICS

Credit Bureaus (561450)

SIC

Services-Consumer Credit Reporting, Collection Agencies (7320)

akta.pro primary industry

Credit Repair & Credit Score Advisory (FSAEAFAD)

akta.pro secondary industry

Credit Education, Monitoring & Consumer Credit Management Tools (FSAKAKAJ)

Keywords

• Credit repair services
• Credit restoration
• Credit score improvement
• Consumer credit counseling
• Credit dispute services

Headquarters

HQ city

Houston

HQ country

United States

HQ region

North America

Offices2 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Marketing or Sales, Operations, Technology or R&D

Revenue model

1. Credit Restoration Subscription Services: Primary revenue stream from monthly subscription fees for ongoing credit restoration services. Clients pay an initial enrollment fee of $199, followed by recurring monthly fees. The service includes unlimited disputes to all three credit bureaus, monthly score updates, 24/7 client portal access, and credit education. Payment is collected via automatic bank draft from client's checking account.
2. DIY E-book Sales: Revenue from selling digital e-books for do-it-yourself credit repair education. Products include: Mastering Credit Repair Pro Dispute Letter Templates ($25), DIY Credit Repair Kit ($49), How to Establish Business Credit in 90-120 Days ($49), How to Set Up Your Bank Accounts for Success ($20), and The Ultimate Homebuyers Guide ($15). These are one-time purchase digital products sold through the company's e-commerce platform.

Pricing tiers

Go-to-market motion2 records

Distribution channels4 records

Marketing channels10 records

Core offering

Credit Lift provides consumer credit restoration services through its Lift Me Up subscription program, which includes unlimited disputes across all three major credit bureaus (Equifax, TransUnion, Experian), three-bureau credit analysis, 24/7 client portal access, monthly score updates, credit education, and credit building. The company complements its core service with a portfolio of DIY educational e-books covering credit repair, homebuying, business credit establishment, and bank account structuring.

Product overview

Credit Lift operates as a service-based credit repair company offering a unified subscription service (Lift Me Up Package) supplemented by educational digital products (eBooks). The core Lift Me Up Package provides credit restoration services through unlimited disputes across all three bureaus, 24/7 client portal access, monthly score updates, credit education, and credit building. The company complements its subscription service with five DIY eBooks covering credit repair, home buying, business credit establishment, and financial management (DIY Credit Repair Kit, Ultimate Homebuyers Guide, Business Credit in 90-120 Days, Bank Accounts Setup, and Pro Dispute Letter Templates). Additionally, a Real Estate Affiliate Program targets real estate professionals with referral and support services. All services are offered exclusively online with Texas-based operations and client support.

Differentiator

Problem solved

Functional benefit

Products and services

• Lift Me Up Credit Restoration Package Subscription-based consumer credit restoration service for individuals with inaccurate, erroneous, or outdated items on their credit reports. Includes unlimited disputes across Equifax, TransUnion, and Experian, three-bureau credit analysis, 24/7 client portal access, monthly score updates, credit education, credit building guidance, and a 100% refund guarantee if no deletions occur within 120 days.
• The Ultimate Homebuyers Guide eBook One-time digital purchase ($15) of an e-book guide for first-time homebuyers covering savings preparation, working with lenders and real estate professionals, and understanding the mortgage process.
• DIY Credit Repair Kit eBook One-time digital purchase ($49) of a do-it-yourself credit repair guide that allows consumers to independently dispute items and improve their credit without engaging the full-service subscription.
• How to Establish Business Credit in 90-120 Days eBook One-time digital purchase ($49) of an e-book guide for aspiring business owners on building business credit using the business name, accessing business credit cards, company vehicles, and business loans.
• How to Set Up Your Bank Accounts for Success eBook One-time digital purchase ($20) of a step-by-step e-book teaching the 'Savvy Six' strategy for organizing and structuring personal bank accounts to support financial success.
• Mastering Credit Repair: Pro Dispute Letter Templates eBook One-time digital purchase ($25) of a collection of professional dispute letter templates addressing inaccurate, erroneous, and outdated credit file information across common dispute scenarios.

Quantifiable outcome

• Credit score increases of 71-126+ points within 1 month of service
• +3 more outcomes

Named customers7 records

Segments6 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration1 record

Feature4 records

Partnerships

Three partnerships are on record, tiered minor and core.

• Real Estate AffiliatesminorChannel Partner/ Reseller/ DistributorCredit Lift operates an affiliate program for real estate professionals who refer clients needing credit repair services. Affiliates receive monthly updates, customized Plans of Action (POA) for leads, access to refund policies, lead referrals, and support via phone/email or in-person/Zoom consultations. The program helps real estate professionals provide comprehensive service to clients working toward homeownership.
• IdentityIQcoreTechnology or IntegrationIdentityIQ provides mandatory credit monitoring services for all Credit Lift clients. The integration allows the company to access clients' credit reports and scores from all three bureaus (Equifax, TransUnion, Experian), transmit data into the company's software, and monitor updates including deletions and score changes. Clients are required to maintain credit monitoring throughout their enrollment at additional cost ($21.99-$27.99/month).
• The CES ShopminorGTM or Marketing PartnerCredit Lift partners with The CES Shop to provide real estate education resources for clients including pre-licensing, exam prep, post-licensing, continuing education, and professional development courses. This partnership supports the company's homebuyer-focused service offerings and real estate affiliate program.

Scale indicators5 records

Recent moves6 records

Expansion highlights5 records

Broad incumbents

• Lexington Law (FCR): One of the largest and longest-running credit repair firms in the US, offering subscription credit repair services across all 50 states via a law firm model — represents the scaled incumbent version of Credit Lift's offering.
• CreditRepair.com: Large national consumer credit repair network operating across many states with subscription disputes and educational content; comparable business model and customer base, though typically heavier on aggregator/affiliate channels.

Direct peers

• DisputeBee: Subscription-based credit repair service offering unlimited three-bureau disputes and score tracking; nearly identical core offering to Credit Lift at similar monthly price points.
• Sky Blue Credit: Long-standing consumer credit repair service offering similar three-bureau dispute subscriptions targeted at individuals seeking improved credit scores; one of the most direct subscription-based competitors to Credit Lift.
• The Credit Pros: Subscription credit repair service delivering three-bureau disputes, score tracking, and personalized action plans — directly comparable in product/pricing structure to Credit Lift's Lift Me Up plan.

Emerging players

• Credit Sesame: Consumer credit monitoring and improvement platform offering free scores, identity protection, and credit-related product recommendations; comparable audience and partial functional overlap with Credit Lift.
• Credit Karma: Free credit monitoring, scores, and consumer financial product marketplace; not a credit repair service but operates in adjacent consumer-credit-adjacent space with massive scale — relevant for benchmarking customer acquisition and freemium funnels.
• Self Financial: Consumer credit-builder loan product that helps users build credit through small installment payments reported to bureaus; an alternative/self-directed approach to achieving similar end-customer credit-score outcomes as Credit Lift's service.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights6 records

Customer concentration

• YouTubeyoutube.com/channel/UCu-IfVTgHACfl23vwwF8PEA
• Facebookfacebook.com/YOURCREDITLIFT
• LinkedInlinkedin.com/company/credit-lift-inc
• Instagraminstagram.com/credit_lift_inc
• TikToktiktok.com/@yourcreditlift

Compliance5 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Credit Lift