My Credit Guy

What My Credit Guy does

My Credit Guy is a U.S. consumer credit repair and restoration agency that helps individuals dispute inaccurate, unverifiable, or incomplete items on credit reports maintained by Equifax, Experian, and TransUnion. The firm is co-led by founders Sam Parker and Tricia Parker as co-CEOs, with a publicly listed team of roughly 30 titled staff spanning credit coaching, client success, and operations. Service delivery is coach-led and process-driven: clients receive a free initial credit review with no upfront cost, followed by enrollment in a multi-month program (average 97 days, with first results typically within 35 days) covering dispute filing, creditor goodwill interventions, and ongoing bureau follow-up. Public marketing emphasizes "Veteran Credit Coaches with 5+ years of experience" as a core differentiator against category competitors.

The business model is a tiered subscription structure with first-work fees and recurring monthly charges across five plans (First, Second, Third, Budget, Diamond), plus affiliate referral commissions from third-party credit-builder products (OpenSky Secured Visa from Capital Bank, First Progress cards) recommended during client onboarding. Distribution combines direct-to-consumer online signup and content marketing on Facebook, Instagram, X, TikTok, and YouTube with a B2B2C Referral Partner Program targeting loan officers, real estate agents, and mortgage lenders. Operations are U.S.-only and based in Vinton, Iowa, with a BBB A+ rating serving as a primary credibility signal in a category historically associated with regulatory scrutiny.

Name

My Credit Guy

Legal name

My Credit Guy

Website

https://mycreditguy.com

Company type

Private

Founded year

2015

Operating status

Operating

Headcount range

101–250 employees

Short description

My Credit Guy is a U.S. consumer credit repair agency that coaches individual clients through bureau disputes and goodwill interventions via a tiered subscription model, distributed through direct online signup and a loan-officer and real-estate-agent referral partner program.

Ownership category

akta.pro rank

Product category

Consumer Credit Repair Services

NAICS

Activities Related to Credit Intermediation (5223)

SIC

Services-Consumer Credit Reporting, Collection Agencies (7320)

akta.pro primary industry

Credit Repair & Credit Score Advisory (FSAEAFAD)

akta.pro secondary industries

Credit Score Monitoring & Credit Building (FSAGADAE), Credit Education, Monitoring & Consumer Credit Management Tools (FSAKAKAJ)

Keywords

• Credit repair services
• Credit restoration
• Credit score improvement
• Credit dispute services
• Credit education

Headquarters

HQ city

Gilbert

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Credit Restoration Services: Subscription-based credit repair services with payment starting on day 30 of service. Multiple pricing tiers available including First, Second, Third, Budget, and Diamond options for individuals and couples. Monthly recurring payments after initial fees.
2. Referral Partner Program: B2B referral program where loan officers, realtors, and lenders refer clients needing credit repair. Partners submit files for free review.

Pricing tiers

Go-to-market motion2 records

Distribution channels3 records

Marketing channels7 records

Core offering

My Credit Guy is a full-service credit repair agency that helps consumers across the United States improve their credit scores to qualify for mortgage, auto, and other financing. The company begins with a free, non-obligatory credit review, then produces an individualized game plan, executes targeted dispute processes across all three credit bureaus, negotiates settlements and pay-for-deletions, removes dispute verbiage to ensure loan-readiness, and provides ongoing credit education and budgeting support.

Product overview

My Credit Guy is a credit repair agency offering a single integrated service platform focused on credit restoration. The core offering combines free credit reviews, personalized game plans, aggressive dispute processes, settlement negotiations, and credit education. The company also provides a referral partner program for lenders and real estate professionals, along with recommended third-party credit builder cards (OpenSky Secured Visa, First Progress Platinum cards) to help clients establish positive tradelines. Additional resources include a blog and video library for credit education. The company does not charge upfront fees, with payment beginning on day 30 of service.

Differentiator

Problem solved

Functional benefit

Products and services

• Credit Repair Services Full-service credit repair offering free credit reviews, personalized game plans, aggressive targeted dispute processes across all three credit bureaus, settlement negotiations, pay-for-deletion negotiations, dispute verbiage removal, credit education, and loan-readiness preparation. Targeted at consumers across the United States seeking to qualify for mortgage, auto, and other financing.
• Referral Partner Program Program for mortgage loan officers, real estate agents, and lenders to submit client files for credit restoration. Partners submit files via email or secure upload, receive a free review and individualized game plan, typically within minutes or same business day. Average 35-day turnaround to first results and 97-day average program duration.

Quantifiable outcome

• Average 35 days to see first set of results
• +4 more outcomes

Named customers3 records

Segments3 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature5 records

Partnerships

One partnership is on record.

• OpenSky Secured Visa Credit CardminorOthersRecommended credit card resource for clients to add positive tradelines to credit profiles. OpenSky offers 85% average approval rate, no credit check to apply, reports to all 3 major credit bureaus monthly, with annual fee of $35 and deposit as low as $200.

Scale indicators7 records

Recent moves5 records

Expansion highlights4 records

Direct peers

• CreditRepair.com: National credit repair service with similar tiered subscription pricing, dispute process, and credit education offering. Competes head-to-head in the same direct-to-consumer credit restoration category.
• Lexington Law: Largest US credit repair firm offering subscription-based dispute, creditor negotiation, and score monitoring services. Directly competes with My Credit Guy on consumer credit restoration with overlapping service methodology and pricing structure.
• Pinecone Credit Repair: Mid-sized credit repair agency offering subscription dispute services and credit education. Comparable offering and SMB-style operations to My Credit Guy in the US market.
• Sky Blue Credit: Established credit repair agency offering unlimited disputes across all three bureaus with a 90-day money-back guarantee. Closely comparable subscription model and consumer target market as My Credit Guy.
• Ovation Credit Repair: Credit repair firm providing dispute services, identity theft protection, and credit monitoring through subscription plans. Overlapping service portfolio and target customer base with My Credit Guy.
• The Credit People: Subscription-based credit repair service offering monthly plans and a flat-fee option with unlimited disputes. Comparable business model and consumer segment to My Credit Guy.

Broad incumbents

• Credit Karma: Free consumer credit monitoring and score platform owned by Intuit. Reaches a much larger audience and increasingly encroaches on dispute and credit-building use cases via free tools, making it a broad market incumbent relevant to My Credit Guy's addressable demand.
• Experian: One of the three major credit bureaus offering consumer credit reports, scores, monitoring, and credit-building tools (Experian Boost). As a bureau, it shapes the dispute ecosystem in which My Credit Guy operates.

Emerging players

• Extra (debit card credit builder): Tech-enabled credit building debit card that reports spending to bureaus. Targets the same subprime and credit-rebuilding consumer segment as My Credit Guy but with a frictionless product-led approach.
• Self (formerly Self Lender): Fintech offering credit-builder loans and secured cards that report to all three bureaus, targeting consumers with thin or damaged credit. Comparable focus on credit building but executes via financial product rather than dispute services.

Market position

Strengths5 records

Weaknesses4 records

Competitive moat4 records

Key risks6 records

Key highlights6 records

Customer concentration

• Xx.com/realmycreditguy
• YouTubeyoutube.com/channel/UC63iGq9zi551jZDgDOccGSg
• Facebookfacebook.com/MyCreditGuy
• LinkedInlinkedin.com/company/my-credit-guy

Revenue estimate

Valuation estimate

Number of profiles

Profiles3 records

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 My Credit Guy