Credit Master

What Credit Master does

Credit Master, LLC is a privately held Virginia-domiciled credit repair services company founded in 2016 and headquartered in Tysons, Virginia. The company operates as a direct-to-consumer credit repair firm that disputes negative items — including collections, late payments, charge-offs, bankruptcies, repossessions, judgments, and erroneous inquiries — with the three major U.S. credit bureaus (TransUnion, Equifax, and Experian). Its core product is a tiered subscription service (Silver at $69/month, Gold at $99/month, Platinum at $699 semi-annual or $139/month), supplemented by a $100 one-time setup fee and an optional 120-day money-back guarantee tied to removing at least one negative item or achieving a 20-point score increase. The technology layer consists of an online customer dashboard providing 24/7 account access, credit score monitoring, progress tracking, and dispute status — there is no public API, mobile app, or disclosed AI/ML capability.

The business model is a mix of recurring subscription revenue, one-time setup fees, and professional services add-ons (utility bill credit history reporting at $300, secured/unsecured credit card assistance at $400-$600, mortgage consulting at $200, rental credit history, and custom-priced business development services for contractors and realtors). A separate referral/agent program — structured around call centers and lead generation partners using unique Seller IDs and a commission-based payout model with no upfront agent fees — provides a parallel B2B2C acquisition channel alongside direct website sign-ups. Customer segments are dominated by consumers with poor credit (primarily) and aspiring home buyers, with secondary demand from credit-building individuals and small business owners.

The company positions on price leadership ("lowest fee in the industry"), lifetime monitoring, and a satisfaction guarantee. Strategic posture is that of a small, vertically focused services operator: no disclosed funding rounds, no acquisitions, no institutional investors, no management team bios, and no patents or trademarks. Operational maturity is evidenced by a multi-year operating history, an active website with current 2026 copyright, and a structured pricing and channel framework, but the absence of disclosed financials, headcount specificity, or expansion into adjacent fintech verticals limits external visibility into scale and unit economics.

Name

Credit Master

Legal name

Credit Master, LLC

Website

https://mycreditmaster.net

Company type

Private

Founded year

2016

Operating status

Operating

Headcount range

51–100 employees

Short description

Credit Master, LLC is a Virginia-based direct-to-consumer credit repair company that disputes negative items with TransUnion, Equifax, and Experian on behalf of U.S. consumers with poor credit, operating through tiered subscriptions and a referral/agent channel.

Ownership category

akta.pro rank

Product category

Credit Repair Services

NAICS

Activities Related to Credit Intermediation (5223)

SIC

Services-Consumer Credit Reporting, Collection Agencies (7320)

akta.pro primary industry

Credit File Dispute Management & Consumer Data Remediation (FSAKAKAI)

akta.pro secondary industries

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

Keywords

• Credit repair services
• Credit monitoring
• Credit dispute management
• Credit score improvement
• Credit report cleanup

Headquarters

HQ city

Washington

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, Others

Revenue model

1. Subscription Plans (Monthly): Monthly subscription plans (Silver at $69/month, Gold at $99/month) providing ongoing credit repair services including monthly letter writing, dispute management, and credit monitoring.
2. Subscription Plans (Semi-annual): Semi-annual Platinum package at $699 one-time covering 6 months of service with up to 12 letters per month, debt validation, goodwill letters, debt settlement, and more comprehensive services.
3. One-Time Setup Fee: $100 one-time setup fee for new customer accounts.
4. Additional Services: Supplementary services including Utility Bill Credit History ($300), Unsecured Credit Card assistance ($600), Secured Credit Card ($400), Department Store Credit Card, Mortgage Consulting ($200), Rental Credit History, and Business Development services with custom pricing.
5. Referral/Agent Commission: Commission earned from referral agents who bring new customer sign-ups. Agents receive commission upon customer sign-up program and do not cancel within 3 business days.

Pricing tiers

Go-to-market motion2 records

Distribution channels2 records

Marketing channels5 records

Core offering

Credit Master is a credit repair services company that removes negative items from consumer credit reports by disputing inaccuracies with the three major U.S. credit bureaus (TransUnion, Equifax, and Experian). It delivers its service through subscription-based monthly plans and a semi-annual Platinum package, backed by a 24/7 online customer dashboard for progress tracking and credit monitoring, plus a 120-day money-back guarantee.

Product overview

Credit Master is a credit repair services company offering a subscription-based platform with tiered pricing plans (Silver, Gold, Platinum). The core offering includes credit dispute services, negative item removal, credit monitoring, and consultation. Additional paid add-ons include utility bill credit history reporting, secured/unsecured credit card acquisition assistance, mortgage consulting, rental credit history, and business development services. The company operates as a licensed and bonded Virginia-based credit recovery company with a referral/agent program for partners.

Differentiator

Problem solved

Functional benefit

Products and services

• Credit Repair Services Core credit repair service that identifies and disputes inaccurate or unverifiable negative items on consumer credit reports with TransUnion, Equifax, and Experian, and helps improve credit scores. Targeted at consumers with poor or damaged credit.
• Credit Monitoring Lifetime credit monitoring service that provides consumers real-time access to credit scores, credit history, and updates via a secure online account. Included with the company's credit repair plans.
• Utility Bill Credit History Sets up reporting of utility bill payments (electricity, water, gas, waste, mobile, cable TV, satellite TV, internet, landline phone) to TransUnion, including up to 24 months of prior payment history. One-time fee of $300. For consumers seeking to build positive credit history.
• Unsecured Credit Card Assistance Helps consumers apply for and obtain an unsecured credit card with a $300 line of credit through partner banks, intended as a stepping stone to secured credit cards within 4-8 months. Flat fee of $600, which includes a $300 refundable bank deposit.
• Secured Credit Card Assistance Assists consumers in obtaining a secured credit card with credit limits of $300-$3,000 through partnered banks. APR ranges from 9.99% to 29.99%, with annual fees of $50-$125. Requires a minimum 620 credit score. Flat fee per card.
• Department Store Credit Card Assistance Helps consumers secure department or jewelry store credit cards with limits of $300-$3,000. APR 9.99%-29.99%, annual fee $50-$125, and includes approximately $100 in products plus one-year subscriptions.
• Mortgage Consulting One-hour consulting session with a third-party experienced mortgage consultant reviewing income and credit against lender underwriting guidelines to help consumers qualify for mortgage loans, including lender introductions. Flat fee of $200.
• Rental Credit History Reporting Verifies and reports consumers' rental history to credit bureaus to support mortgage qualification, auto loan applications, and the establishment of new credit lines.
• Business Development Services Comprehensive business services for contractors, builders, roofers, realtors, agents, and brokers, including new company formation, website development, end-to-end business services, and up to 3 months of hot lead generation. Custom pricing via quote.

Quantifiable outcome

• Credit score improvement of 20+ points within 120 days or full refund
• +2 more outcomes

Named customers5 records

Segments4 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature3 records

Scale indicators3 records

Recent moves5 records

Expansion highlights5 records

Direct peers

• Credit Saint: Tiered subscription credit repair service with dispute management, score tracking, and targeted add-ons (tradelines, cease & desist). Highly comparable go-to-market and product mix to Credit Master.
• Sky Blue Credit Repair: Direct competitor offering a similar tiered subscription credit repair service with dispute management across all three bureaus. Closest head-to-head match for Credit Master's positioning, pricing structure, and target customer.
• Lexington Law: One of the largest US credit repair firms, offering subscription-based dispute and credit monitoring services to consumers with poor credit. Directly comparable in service model and target segment, though at much larger scale.
• CreditRepair.com: Direct competitor (owned by Experian) offering tiered credit repair subscriptions with bureau dispute, score tracking, and identity monitoring. Closely aligned product set and customer base.
• Ovation Credit Services: Direct competitor offering subscription credit repair, debt validation, goodwill letters, and bureau dispute services for consumers with damaged credit. Comparable pricing and feature set.
• The Credit People: Subscription credit repair service with monthly and one-time work-conclusion options, focused on bureau disputes and credit-building for subprime consumers. Comparable offering and price-point structure.
• Pinnacle Credit Repair: Smaller direct competitor in the credit repair subscription space, targeting subprime borrowers with bureau dispute and credit-building services. Closely aligned on customer profile.

Broad incumbents

• Credit Karma (Intuit): Free credit monitoring, score tracking, and dispute assistance from a major fintech incumbent. Captures the low-friction part of the same customer journey and competes for Credit Master's acquisition funnel.
• Experian Boost: Free utility and telecom payment reporting product from one of the three major bureaus. Directly competes with Credit Master's $300 Utility Bill Credit History add-on and addresses similar score-improvement outcomes at no cost.

Emerging players

• Dovly: AI-driven credit repair platform that automates dispute letter generation and credit-building recommendations. Overlaps with Credit Master on bureau disputes but differentiates through automation and software-led delivery.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks7 records

Key highlights6 records

Customer concentration

• Facebookfacebook.com/creditmaster
• LinkedInlinkedin.com/company/creditmaster

Revenue estimate

Valuation estimate

Number of profiles

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 Master