Credit Law Center

What Credit Law Center does

Credit Law Center is a privately held credit repair law firm headquartered in Lee's Summit, Missouri, operating since 2007. The firm employs 251-500 staff including attorneys, credit advisors, management, and operations personnel, and has served over 30,000 clients to date. Credit Law Center differentiates from typical credit repair companies by being attorney-based and using federal consumer protection statutes — the Fair Credit Reporting Act (FCRA) and the Fair Debt Collections Practice Act (FDCPA) — to audit and dispute inaccurate, outdated, false, or unverifiable information on consumer credit reports. Its approach is explicitly selective: rather than mass-disputing every item, the firm identifies specific errors or missing data that can be challenged under these laws. Leadership includes Bo Thomas (CEO), Jim Wallace (President), Janna Fox (Director of Business Development), and Tom Addleman.

The firm operates a single unified service line consisting of core credit repair, debt defense/negotiation, and an educational content arm (The Credit Corner Vlog on YouTube plus an extensive blog running 2016-2026). There is no software platform, API, or technology product — delivery is performed by human staff. The business model is outcome-based / performance pricing: clients pay only when negative items are successfully removed from their credit reports, with no monthly or upfront fees. This aligns firm incentives with client outcomes but creates revenue variability tied to dispute success rates. The company does not disclose revenue, has no institutional funding, and is not pursuing an IPO.

Customer acquisition runs through three primary channels: phone sales via toll-free (1-800-994-3070) and local lines, online self-serve sign-up, and referral partnerships with auto dealers, mortgage lenders, loan officers, and real estate agents. Content marketing (the blog and YouTube vlog) and earned media (features in Fox, NBC, A+, CBS, Cumulus) drive top-of-funnel awareness, while customer reviews on Facebook, Google, Yelp, and Yellow Pages provide social proof. A 2017 Inc. 5000 ranking (#1,578) recognized a prior growth phase, and a new facility opened in 2026 to accommodate the next 30,000 clients signals continued capacity expansion. The firm is incorporated as Credit Law Center LLC in Missouri, USA.

Name

Credit Law Center

Legal name

Credit Law Center

Website

https://creditlawcenter.com

Company type

Private

Founded year

2007

Operating status

Operating

Headcount range

251–500 employees

Short description

Credit Law Center is a Lee's Summit, Missouri-based credit repair law firm serving over 30,000 consumer clients since 2007. Using attorneys and FCRA/FDCPA-based dispute processes, the firm charges fees only on successful credit item removals and acquires customers via phone, online sign-up, and industry referral partnerships.

Ownership category

akta.pro rank

Product category

Credit Repair Legal Services

NAICS

Activities Related to Credit Intermediation (5223), Credit Bureaus (561450)

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 Bureau Reporting & Dispute Management Support (FCRA/CRA Ops) (BPAAAEAI), Credit Education, Monitoring & Consumer Credit Management Tools (FSAKAKAJ), Credit Repair & Credit Score Advisory (FSAEAFAD)

Keywords

• Attorney-based credit repair
• Credit report dispute services
• Consumer credit legal services
• Debt collection defense
• FCRA credit restoration

Headquarters

HQ city

Lees Summit

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Performance-Based Credit Repair Fees: Credit Law Center operates on a 'You Don't Pay Until It Goes Away' model, meaning clients only pay fees when negative items are successfully removed from their credit reports. This performance-based approach differentiates them from traditional credit repair companies that charge monthly fees regardless of results.

Pricing tiers

Go-to-market motion2 records

Distribution channels3 records

Marketing channels4 records

Core offering

Credit Law Center is an attorney-based credit repair law firm that helps consumers remove inaccurate, outdated, false, and unverifiable information from their credit reports by exercising their legal rights under the Fair Credit Reporting Act (FCRA) and the Fair Debt Collections Practice Act (FDCPA). The firm also provides legal debt defense and negotiation services for consumers facing debt collection, operating on a performance-based "You Don't Pay Until It Goes Away" pricing model where clients only pay when negative items are successfully removed.

Product overview

Credit Law Center is a law firm providing attorney-based credit repair services. The company operates as a single unified service offering (not a software platform), using attorneys to remove negative items from credit reports through legal mechanisms including the Fair Credit Reporting Act and Fair Debt Collections Practices Act. The company charges on a results basis ("You Don't Pay Until It Goes Away"). Additional offerings include an educational video library (The Credit Corner Vlog) and debt defense/negotiation services. The company does not offer a software platform, API, or technology products.

Differentiator

Problem solved

Functional benefit

Products and services

• Attorney-Based Credit Repair Legal credit repair services utilizing attorneys to remove incorrect, outdated, false, and inaccurate data from consumer credit reports by exercising rights under the Fair Credit Reporting Act and related statutes. The service is sold on a pay-for-results basis with no monthly fees.
• Debt Defense and Negotiation Legal defense and negotiation services for consumers facing debt collection issues, using the Fair Debt Collections Practices Act (FDCPA) to stop collector harassment, challenge invalid debts, and address debt-buyer claims.

Quantifiable outcome

• Over 30,000 credit reports repaired since 2007
• +1 more outcomes

Named customers1 record

Segments3 records

Ideal customer profiles1 record

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature1 record

Partnerships

Two partnerships are on record, tiered minor.

• Auto and Mortgage Industry PartnersminorGTM or Marketing PartnerCredit Law Center has established referral relationships with auto dealers, mortgage lenders, loan officers, and real estate agents who refer their customers needing credit repair services. The company notes that clients and partners in the auto and mortgage industry have stated that Credit Law Center has made an impact in their lives for the better.
• Down2Shop CardminorGTM or Marketing PartnerCredit Law Center recommends the Down2Shop trade line card to help clients start building credit. This partnership helps customers establish positive credit tradelines as part of their overall credit repair strategy.

Scale indicators5 records

Recent moves6 records

Expansion highlights5 records

Direct peers

• Lexington Law: Was the largest attorney-based credit repair firm in the U.S. with a similar FCRA-driven disputing model and nationwide phone/online acquisition. Now in wind-down, making Credit Law Center a direct successor operator in the legal credit-repair niche.
• CreditRepair.com: National consumer credit-repair brand offering bureau disputing, score monitoring, and identity-theft protection with monthly subscription pricing. Competes head-to-head for the same consumer credit-error segment.
• The Credit Pros: National credit-repair and credit-building company offering bureau disputing, score monitoring, and tradeline products. Targets similar subprime consumer segments with subscription and per-item pricing models.
• Sky Blue Credit: Long-standing credit repair firm that disputes inaccurate items across the three bureaus with online sign-up and tiered pricing. Direct competitor in consumer credit-repair services though not attorney-led.

Broad incumbents

• Credit Karma: Free consumer credit-monitoring and score platform owned by Intuit that surfaces bureau errors to users and increasingly offers assisted dispute workflows. Reaches far more consumers but with a fundamentally different (free/fintech) business model.
• Experian Boost / Dispute Portal: One of the three national credit bureaus, now offering direct consumer dispute submission and ancillary services. As the data source for disputes, it competes indirectly by enabling DIY removal without paying a credit-repair firm.
• TransUnion Dispute Portal: National credit bureau offering consumer credit reports, score products, and online dispute intake. Functions as both the upstream source of disputes and a potential DIY substitute.
• Equifax Credit Report Services: National credit bureau providing consumer credit reports, online dispute submission, and paid monitoring. Disintermediates third-party repair firms by enabling direct bureau interaction.
• Lexington Law (Progrexion): Parent entity behind multiple credit-repair brands including Lexington Law and Credit.com. Operates a broader portfolio across consumer credit services, with overlapping legal-disputing capability and significantly greater scale.

Emerging players

• National Credit Federation: Smaller credit-repair and debt-resolution firm offering FCRA-based disputing and negotiation services. Targets credit-challenged consumers with bundled membership-style plans, overlapping the same primary customer segment.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights7 records

Customer concentration

• YouTubeyoutube.com/channel/UCByZxQe-908oZg0DczbAwlA/videos
• Facebookfacebook.com/creditlawcenter
• Xx.com/CLC_LawCenter

Revenue estimate

Valuation estimate

Number of profiles

Profiles5 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 Credit Law Center