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Written by Mike Pearson
Updated September 22, 2022

In A Nutshell is one of the most reputable credit repair companies on the market. For a fee, they can help remove negative items from your credit reports.

This is an in-depth review of

In this up-to-date review, we’ll break down:

  • Who is
  • How much costs
  •’s refund policy
  • Things we like
  • Things we don’t like
  • Whether they’re worth the price tag
  • Lots more

Let’s get started.

Who is is one of the best credit repair companies that offer a variety of services at affordable monthly fees.

They are based out of Florida with other locations in various states, and their team of credit specialists is trained to work on behalf of its members to not only improve their credit history but to “rewrite their credit stories.” 

The company claims to go beyond one-time credit repair services by helping you develop habits and learn skills that will bring about long-lasting change. In other words, they don’t just remove negative credit issues from your report; they also educate you with individualized credit counseling. has been in business since 1997 so they have a lot of experience, and prides itself in keeping up with the latest technological advances in the industry. They partner with several trusted institutions, such as Mint and Lending Tree, which gives them a lot of credibility in the financial space.

They’ve earned solid testimonials and positive customer reviews on sites like TrustPilot, though they are not accredited by the Better Business Bureau (BBB). review at a glance Pros

  • Comprehensive credit education.’s website contains informational articles on everything from debt solutions to identity theft. They also promise to help you learn specific skills to help you maintain good credit scores long-term and fix bad credit habits.
  • Free mobile apps. They offer free iOS or Android apps so you can access your online dashboard 24/7 so you can see your full credit summary.
  • Text and email alerts. Their credit repair process includes text and email alerts to notify you of any changes to your credit report. 
  • Trusted partnerships. teams up with,, Bankrate, and Lending Tree—all trusted businesses in the financial space.
  • Credit score tracker and analysis. Your dashboard includes a score tracker and analysis that breaks down your credit score in an easy-to-understand visual chart. Cons

  • Free credit report not included. charges all its clients a one-time $14.99 fee to pull your credit reports. Most other companies include this with their service.
  • Not BBB accredited. is not accredited with the Better Business Bureau and has an “NR” (not rated) rating. They also have a direct complaint from the BBB regarding advertising claims failed to substantiate.
  • Not open 24/7.’s business hours are extensive during the week (they’re open from 8 AM to midnight EST) but they’re closed Saturday and Sunday.
  • No money-back guarantee. does not offer a money-back guarantee like some of its competitors do, such as Credit Saint and Sky Blue Credit. 

How much does cost? has a simple and straightforward pricing system.

  • Credit Report Direct. $119.95 first work fee & $69.95/mo
  • Credit Repair. $119.95 first work fee & $99.95/mo
  • Credit Repair Advanced. $119.95 first work fee & $119.95/mo has three different packages to choose from, and each package also comes with a one-time $14.99 credit report fee. 

Credit Repair Direct

The Credit Repair Direct package includes 15 negative item challenges and 3 creditor disputes each month and also includes a quarterly FICO score and change alerts. This is probably the only package most customers will ever need, especially if you just have some items you need help disputing. 

Credit Repair

The Credit Repair offering is their mid-priced package and the most popular choice, which includes everything in the Credit Repair Direct package in addition to quarterly credit analysis and credit monitoring. This is a better choice for you if you’ve had any problems with fraud or identity theft.

Credit Repair Advanced

The Credit Repair Advanced package includes 19 negative item challenges and six creditor disputes each month. And in addition to including everything in the previous package, it also comes with a monthly FICO score, monthly credit analysis, identity theft protection, $1 million in identity theft insurance, and personal finance tools. This package is for consumers who have had a massive hit to their credit reports due to identity theft or fraud. 

What can be removed by works to improve your credit score by removing negative items from your credit reports.

Here are some examples of the items that can remove from your credit file:

If any of these items appear on your credit reports and they are either inaccurate or incorrect, will work to have them removed.

What does do?

Fair credit reporting laws govern the fairness and accuracy of consumer credit reports, which means that anything listed on your reports must be verifiable, correct, and follow the appropriate statute of limitations laws.

But did you know that you as the consumer are the one responsible for monitoring and questioning anything you think may be amiss?

That’s where comes in. uses a simple 3-step process to ensure your report is as accurate as it can be.

First, they collect your credit reports from the major credit bureaus (Equifax, TransUnion, and Experian) and comb them for possible errors or disputable items.

Then, they interact directly with your creditors and credit bureaus to make sure everyone is in compliance with fair credit reporting laws. 

Finally, they make sure you can see the changes happening on a continual basis.

This process gets repeated continually until you decide to cancel your service or feels they have done everything they can to help you.

Before any of this process starts, you’ll also get a chance to speak with a credit specialist about your particular credit situation with a free credit consultation to come up with a game plan.

You’ll receive one-on-one advice on changes you can make to ensure that you are able to maintain a solid score in the future, and you’ll also get to discuss anything on your report you’d like them to specifically address.

You also get access to a personal online dashboard, which tracks progress toward your goals with a credit score analysis tool, and also offers text and email alerts.

How can help repair your credit helps make sure your credit report is accurate and all items are verifiable.

They also check for items that should have already come off, and if it looks like something (like a bankruptcy) should have fallen off, they will contact the credit bureaus to make sure they comply. will also dispute any items on your report you’d like them to.

Did you know you can dispute items not only that are inaccurate, but you can also ask the creditors to verify that the account belongs to you and that the information contained in it is correct?

Occasionally, creditors will go ahead and remove an item if it is nearing the statute of limitations or as an act of goodwill, and some creditors also don’t find it worth the effort to provide documentation in some cases.

Once the negative items begin to fall off, you should see your score start to climb, though this will vary from person to person and it depends largely on the type of item being removed. 

Removing a charge-off, for example, can bring your score up by up to 150 points, and removing a bankruptcy can bring it up by up to 240 points. Smaller items like multiple inquiries will help your score a little, but not nearly as much as the larger ones. Regardless, fixing a bad credit score can help you get a better interest rate on a mortgage, or approved for a credit card.

You do need to be aware that there is certain information that no one can erase from your credit report.

Any item can be removed if it is inaccurate, no matter what type of debt it is, even if the error is minor. But if a debt is valid, the creditor has every right to leave it there.

How long does it take for to repair your credit?

According to the information on their site, most customers start seeing around 7% of their negative items removed within the first thirty days, and by 90 days, they see about 20% of them turn into removals. 

But remember that everyone’s credit report is unique! 

Some people see all the positive results they need within a month, while others may need 6 months or more to complete their progress.

It’s also important to note no credit repair company can promise an increased score, due to the Credit Repair Organizations Act). And any company that does is representing themselves falsely as no one can know with certainty how every creditor will react to your disputes.

How to sign up for

The easiest way to sign up for’s service is to fill out their online form and choose your product, at which point they will pull your credit reports immediately and an agent will call you to go over your concerns.

However, if you still have questions about the product or would just like to sign up over the phone, you can call their customer support at 855-255-0263.

You can cancel your service at any time by calling the same number or you can contact a representative online through your customer portal.

Bottom line is one of the best credit repair services out there, alongside Credit Saint, Sky Blue Credit, and Lexington Law.

They receive high rankings and mostly positive reviews and really seem to get the job done, which is good news with all of the credit repair scams out there.

Having a low credit score can impact your ability to get approved for a credit card, loan, and even a job.

If you’ve run into some trouble with your credit score, as many of us do, can help you out. 

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Mike Pearson

Mike is a recognized credit expert and founder of Credit Takeoff. His credit advice has been featured in Investopedia,, Bankrate, Huffpost, The Simple Dollar, Reader's Digest, LendingTree, and Quickbooks. Read more.