Usa Credit Builders
USA Credit Builders LLC is a bootstrapped, Erie, PA-based credit services firm providing pay-per-delete credit repair and customizable credit building services to individual consumers and small business owners across the United States, supported by a 24/7 online client portal.
- Company typePrivate
- Founded-
- HeadquartersMount Erie, United States
- Headcount1–10
- GTM typeB2C
- OfferingServices
What Usa Credit Builders does
USA Credit Builders LLC is a privately held, bootstrapped credit services firm based in Erie, Pennsylvania. Founded around 2016, the company provides credit repair and credit building services to individual consumers and small business owners across the United States, helping clients remove inaccurate, incomplete, or unverifiable items from credit reports and add positive credit history through installment, revolving, and authorized user accounts. The firm has served approximately 746 customers over eight years and operates with 1-10 employees from a single Renaissance Centre office location.
The underlying service platform is built around a manual dispute workflow supported by a 24/7 online client portal (powered by Dispute Composer) that gives customers real-time visibility into repair progress. Core technology consists of credit report retrieval, item-by-item dispute generation to bureaus, creditors, and collection agencies, and progress tracking — all delivered through trained credit specialists rather than automated systems. A complementary credit building product line provides customizable packages with bundled credit builder accounts, priced independently of the repair service.
The business model is direct-to-consumer and primarily transactional: customers pay a $199 initial credit analysis fee plus per-item deletion fees ($10-$100 per item per bureau) under a pay-per-delete structure that only bills after successful removal. Additional revenue streams include one-time credit building package fees ($100-$800 range), and a recurring affiliate credit monitoring subscription at $29.99/month. Acquisition is driven by inside sales via phone consultations, free consultation offers, content marketing, email/SMS engagement, and a $50-per-referral customer referral program. The company is self-funded with no disclosed venture or institutional capital.
Usa Credit Builders firmographics
Firmographics- Name
- Usa Credit Builders
- Legal name
- USA Credit Builders LLC
- Website
- https://usacreditbuilders.com
- Company type
- Private
- Operating status
- Operating
- Headcount range
- 1–10 employees
- Short description
- USA Credit Builders LLC is a bootstrapped, Erie, PA-based credit services firm providing pay-per-delete credit repair and customizable credit building services to individual consumers and small business owners across the United States, supported by a 24/7 online client portal.
- Ownership category
- akta.pro rank
Usa Credit Builders industry classification
Industry- Product category
- Credit Repair Services
- NAICS
- Credit Bureaus (561450), 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 industry
- Credit Score Monitoring & Credit Building (FSAGADAE)
Keywords
Where Usa Credit Builders is headquartered
LocationHeadquarters
- HQ city
- Mount Erie
- HQ country
- United States
- HQ region
- North America
Offices2 records
Markets served
Usa Credit Builders business model
Business model- GTM type
- B2C
- Offering type
- Services
- Cost components
- Personnel, Operations, Marketing or Sales, Technology or R&D
Revenue model
- Credit Repair Services: Pay-per-delete credit repair service where customers pay one-time analysis fee plus fees per item successfully removed. No monthly charges. Initial credit analysis fee followed by per-item fees only upon successful deletion.
- Credit Building Services: Customizable credit building packages providing installment accounts, revolving accounts, and authorized user accounts. Customers pay for credit builder accounts and services based on individual goals and budgets.
- Credit Monitoring Services: Third-party affiliate credit monitoring required for credit repair clients at discounted rate of $29.99/month through affiliated company.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| One time/ perpetual license | Pay-as-you-go | Individual Plan - $199 one-time credit analysis fee plus pay-per-delete fees |
| One time/ perpetual license | Pay-as-you-go | Credit Builder Accounts - $250 for all three accounts or $100 per individual account |
| Unit Pricing | Pay-as-you-go | Credit Building Packages - Typical spend $150-$800 depending on individual goals and budget |
| Subscription | Monthly | Third-Party Credit Monitoring - $29.99/month |
Go-to-market motion2 records
Distribution channels2 records
Marketing channels5 records
Usa Credit Builders product offering
Product offeringCore offering
USA Credit Builders provides credit repair and credit building services for individuals and small business owners. The credit repair service removes inaccurate, incomplete, or unverifiable items from credit reports through unlimited disputes filed with creditor bureaus, original creditors, collection companies, and government agencies. The credit building service adds positive credit items via customizable packages of installment accounts, revolving accounts, and authorized user accounts. Both services are supported by a 24/7 online client portal for progress monitoring and operate on a pay-per-deletion pricing model.
Product overview
USA Credit Builders offers two core services: Credit Repair and Credit Building. The Credit Repair service operates on a pay-per-deletion model where clients pay only after successful item removal, including unlimited disputes to bureaus and creditors. The Credit Building service provides customizable packages including credit builder accounts (installment and revolving) and authorized user accounts. Both services are supported by a 24/7 online client portal for progress monitoring, with pricing based on an initial analysis fee plus per-item deletion fees.
Differentiator
Problem solved
Functional benefit
Products and services
- Credit Repair Service A credit repair service that removes inaccurate, incomplete, or unverifiable items from consumer and small business credit reports. The service includes free consultations, detailed credit analysis, unlimited disputes to creditor bureaus and original creditors, and 24/7 online client portal access. It is priced on a pay-per-deletion basis where clients pay only after successful item removal, targeting individuals with derogatory credit items and small business owners seeking to improve credit standing.
- Credit Building Service A credit building service that adds positive payment items to credit reports through customizable packages including credit builder accounts (installment and revolving) and authorized user accounts. Customers select packages based on individual goals and budgets, with typical spend ranging from $150 to $800. The service targets individuals with thin or damaged credit who need to establish a stronger credit portfolio to qualify for mortgages, car loans, credit cards, and other financial products.
- Credit Builder Accounts Installment and revolving credit accounts designed to help build positive credit history. Sold as standalone products at $250 for all three accounts or $100 per individual account. Fees do not include monthly costs to retain builder accounts, which are the sole responsibility of the account holder.
Quantifiable outcome
- Clients typically see credit score changes within 60 days and accomplish goals within 6 months
- +2 more outcomes
Companies that use Usa Credit Builders
Customer profileSegments3 records
Ideal customer profiles3 records
Usa Credit Builders technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Feature3 records
Usa Credit Builders partnerships and signals
Strategic signalScale indicators4 records
Recent moves6 records
Expansion highlights4 records
Usa Credit Builders competitors and assessment
Company assessmentDirect peers
- The Credit People: Online credit repair company offering monthly membership and per-deletion pricing tiers with bureau and creditor disputes. Direct overlap with USA Credit Builders on pay-per-delete structure and dispute-based service.
- Lexington Law: One of the largest and oldest credit repair firms in the US, offering dispute and credit building services to consumers nationwide. Directly comparable to USA Credit Builders in service offering and target customer, but operates at significantly larger scale with subscription-based pricing.
- CreditRepair.com: Direct-to-consumer credit repair service providing bureau disputes, credit score analysis, and identity theft protection. Closely matches USA Credit Builders' core credit repair offering while operating at much larger national scale.
- Money Management International (MMI): Nonprofit credit counseling agency offering credit counseling, debt management plans, and credit education alongside credit-building resources. Comparable in serving credit-challenged consumers, though operates as a nonprofit with a different funding model.
- Sky Blue Credit Repair: National credit repair service offering unlimited disputes across all three bureaus with a 90-day money-back guarantee. Comparable service model to USA Credit Builders' unlimited disputes feature, though priced as a flat monthly subscription rather than pay-per-delete.
Broad incumbents
- Credit Karma: Free consumer credit monitoring and financial product recommendation platform owned by Intuit. While not a credit repair service, it occupies the same consumer credit-mindset and is often the first stop before a customer seeks credit repair, making it a major indirect competitor for acquisition.
- Experian: One of the three major US credit bureaus that USA Credit Builders files disputes with. As an incumbent, Experian offers its own credit monitoring and identity protection products and controls the dispute pipeline that credit repair firms depend on.
Emerging players
- Credit Strong: Credit builder account platform offering installment and revolving credit-building products that report to all three bureaus. Overlaps with USA Credit Builders' credit building service in product structure and target customer.
- Self Financial: Credit builder fintech offering installment loans reported to credit bureaus designed to build credit history. Directly comparable to USA Credit Builders' credit building product (installment and revolving accounts) but with a more tech-forward, app-driven experience.
Others
- Dispute Composer (Etradis Inc): Credit repair software platform that powers USA Credit Builders' client portal and dispute workflow. Functions as a backend enabler for the company and many similar small credit repair firms.
Market position
Strengths4 records
Weaknesses4 records
Competitive moat4 records
Key risks5 records
Key highlights5 records
Customer concentration
Usa Credit Builders social profiles
Digital presenceUsa Credit Builders financial estimates
Financial estimateRevenue estimate
Valuation estimate
Usa Credit Builders leadership team
Management profileNumber of profiles
Profiles1 record
Usa Credit Builders funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Usa Credit Builders M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Usa Credit Builders
What does Usa Credit Builders do?
USA Credit Builders provides credit repair and credit building services for individuals and small business owners. The credit repair service removes inaccurate, incomplete, or unverifiable items from credit reports through unlimited disputes filed with creditor bureaus, original creditors, collection companies, and government agencies. The credit building service adds positive credit items via customizable packages of installment accounts, revolving accounts, and authorized user accounts. Both services are supported by a 24/7 online client portal for progress monitoring and operate on a pay-per-deletion pricing model.
Is Usa Credit Builders a public or private company?
Usa Credit Builders is a private company. It is classified as founder individual operated bootstrapped and is currently operating.
When was Usa Credit Builders founded?
Usa Credit Builders was founded in -1. It employs 1 to 10 people.
Where is Usa Credit Builders based?
Usa Credit Builders is headquartered in Mount Erie, United States, in the North America region.
How does Usa Credit Builders make money?
Three revenue lines are on record. Credit Repair Services are the primary driver. The others are credit Building Services and credit Monitoring Services.
Who are Usa Credit Builders's main competitors?
Direct peers on record are The Credit People, Lexington Law, CreditRepair.com, Money Management International (MMI) and Sky Blue Credit Repair. Broad incumbents are Credit Karma and Experian. Emerging players are Credit Strong and Self Financial. Dispute Composer (Etradis Inc) is listed as an others.
Does Usa Credit Builders have an API?
No public API is recorded for Usa Credit Builders.
What industry is Usa Credit Builders in?
Usa Credit Builders's product category is Credit Repair Services. Its primary akta.pro industry code is FSAEAFAD, Credit Repair & Credit Score Advisory, with a secondary code of FSAGADAE, Credit Score Monitoring & Credit Building. Its NAICS code is 561450 and its SIC code is 7320.