Credit Repair

What Credit Repair does

Credit Repair Solutions is a privately held US-based (California) credit repair professional services firm that has operated since 2007 and markets 15+ years of category experience. It serves individual consumers — primarily those seeking to qualify for home or vehicle purchases, refinance debt, or clean up their credit profiles — and is one of the few operators in the segment offering bilingual (English/Spanish) service delivery. The firm operates with a 1-10 person team and does not disclose a proprietary technology platform; delivery is conducted manually by credit specialists who tailor plans to each client's goals and execute dispute, negotiation, and tradeline work on their behalf.

The product set is organized around three interconnected services: a Credit Repair Program (dispute-driven removal of collections, charge-offs, medical bills, bankruptcies, paid collections, child support, and identity-theft items, with rapid-deletion options), Debt Negotiation (settling client debts with creditors at reduced payoffs paid directly by the client to the creditor), and Lines of Credit (addition of seasoned tradelines for instant score increases). Revenue is generated primarily through professional service fees, which are quote-based and not publicly disclosed, with a secondary transactional stream at $4.99 per soft credit check via an affiliate referral to Smart Credit (PID=63394).

The go-to-market is sales-led: a free consultation acts as the lead magnet, captured through a website form (which records goal, source, and language preference) and a Calendly self-serve booking flow, followed by direct outreach via phone, text, and email. Distribution is direct-to-consumer across the United States with no third-party resellers, supplemented by top-of-funnel presence on Facebook, TikTok, and Instagram. The firm has no disclosed parent company, institutional investors, funding rounds, patents, certifications, awards, or M&A activity; it appears to be an independently operated small business.

Name

Credit Repair

Legal name

Credit Repair Solutions

Website

https://creditrepairsolutionsnow.com

Company type

Private

Founded year

2007

Operating status

Operating

Headcount range

1–10 employees

Short description

Credit Repair Solutions is a privately held California-based credit repair firm serving individual consumers needing to remove negative items from credit reports, settle debts, and add tradelines, delivered by a small bilingual (English/Spanish) specialist team via free-consultation-led, direct-to-consumer sales.

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 Repair & Credit Score Advisory (FSAEAFAD)

akta.pro secondary industries

Credit File Dispute Management & Consumer Data Remediation (FSAKAKAI), Credit Score Monitoring & Credit Building (FSAGADAE)

Keywords

• Credit repair services
• Debt negotiation
• Credit restoration
• Tradeline services
• Credit report cleanup

Headquarters

HQ city

Causapscal

HQ country

Canada

HQ region

North America

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Credit Repair Program: Service-based credit repair helping clients delete, repair, and correct negative and derogatory information from credit reports. Removes collections, charge-offs, medical bills, bankruptcies, paid collections, and addresses identity theft. Includes rapid deletion options.
2. Debt Negotiation: Negotiates debts with creditors on behalf of clients, who pay a reduced portion directly to the creditor as settlement.
3. Tradelines / Lines of Credit: Adds seasoned tradelines to credit reports, providing instant credit score increases.
4. Affiliate Credit Check: Referral partnership with Smart Credit for soft credit checks at $4.99 per check.

Pricing tiers

Go-to-market motion1 record

Distribution channels3 records

Marketing channels3 records

Core offering

Credit Repair Solutions helps individual consumers delete, repair, and correct negative and derogatory information from their credit reports, including collections, charge-offs, medical bills, bankruptcies, paid collections, and identity theft. The company also negotiates debts with creditors on behalf of clients and adds seasoned tradelines to credit reports to provide instant credit score increases.

Product overview

Credit Repair Solutions offers a unified credit repair service platform consisting of three interconnected offerings: the Credit Repair Program (core service for removing negative items from credit reports), Debt Negotiation (for settling debts with creditors at reduced amounts), and Lines Of Credit (adding seasoned tradelines to boost credit scores instantly). The company provides a tailored, expert-driven approach using tactics beyond generic letters, with over 15 years of experience and guaranteed results when client responsibilities are met.

Differentiator

Problem solved

Functional benefit

Products and services

• Credit Repair Program

Quantifiable outcome

• Credit score improvements to 720+

Named customers3 records

Segments2 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration1 record

Partnerships

One partnership is on record.

• Smart CreditminorGTM or Marketing PartnerAffiliate partnership where Credit Repair Solutions refers customers to Smart Credit for soft credit checks at $4.99. Smart Credit is promoted on the company's website as the recommended source for credit checks. Credit Repair Solutions receives referral consideration from this arrangement.

Scale indicators1 record

Recent moves5 records

Expansion highlights4 records

Direct peers

• Lexington Law: Historically one of the largest U.S. credit repair firms; offers credit-report disputes, creditor interventions, and score monitoring to individual consumers with similar service portfolio and target customer.
• CreditRepair.com: National credit repair brand providing bureau disputes, score tracking, and creditor interventions; comparable core offering of removing negative items for individual consumers seeking home/auto approval.
• National Debt Relief: Major consumer debt settlement company — directly comparable to Credit Repair Solutions' debt negotiation stream and overlapping target customers with distressed credit profiles.
• The Credit Pros: Credit repair and credit-building company offering dispute services, tradelines, and score monitoring — overlapping with all three of Credit Repair Solutions' product lines.
• Ovation Credit Services: Credit repair service combining automated and manual dispute workflows with credit education tools; comparable target customer and dispute-driven service model.
• Sky Blue Credit Repair: One of the largest U.S. consumer credit repair firms offering dispute-based credit repair, debt validation, and good-standing tradelines; directly comparable service mix, target customer (subprime consumers), and sales-led GTM.

Broad incumbents

• Credit Karma: Large-scale consumer credit and financial wellness platform owned by Intuit; serves a similar consumer segment with credit monitoring, education, and product recommendations — adjacent rather than direct competition.
• Experian Boost: Free credit-score improvement product from a major credit bureau; addresses the same consumer pain (low scores blocking purchases) but uses a different mechanism (utility/telecom payment reporting) rather than dispute-based repair.
• Debt.com: Consumer debt-solutions marketplace connecting consumers with credit counseling, debt settlement, and consolidation providers; overlapping end customer (distressed borrowers) and overlapping debt negotiation value prop.

Emerging players

• SmartCredit: Credit reporting and monitoring platform offering consumer credit reports, score tracking, and identity tools; comparable credit-data orientation and the existing affiliate partner of Credit Repair Solutions.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat3 records

Key risks6 records

Key highlights5 records

Customer concentration

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 Repair