Credilife Review

Get free credit repair advice and tools

We publish unbiased reviews; our opinions are our own and are not influenced by payments from advertisers. Learn about our independent review process and partners in our advertiser disclosure.


overall rating

Although Credilife’s pricing is higher than average, it offers a lot of free resources and is focused on helping people improve their overall financial health.

  • Pros & Cons
  • Key Takeaways
  • Company Overview
Pros & Cons
  • A+ rating with the BBB

  • Nearly 5-star customer reviews with the BBB

  • Good financial management and budgeting tools

  • Lots of free credit repair tools

  • Focus is on improving the overall financial health of its customers

  • Higher-than-average costs

  • Lack of pricing transparency on its website

  • Lack of credit repair process transparency on its website

  • Less than a decade of business operations

Key Takeaways
  • Credilife has less than a decade of business operations.
  • The approach Credilife takes is to help you improve your overall financial health.
  • The company offers lots of free credit repair and financial management resources.
  • You can expect a helpful customer service experience.
  • Credilife has an excellent A+ BBB rating and few complaints.
  • Customers seem to like doing business with Credilife, based on nearly 5-star BBB reviews.
  • The amount of money Credilife charges for its services is higher than average.
Company Overview

Credilife is a privately held financial wellness company that is focused on much more than helping people repair their credit. This includes equipping people to manage their finances and teaching them how to build good credit. A BBB-accredited business, Credilife was founded in 2013 (incorporated in 2015) and is headquartered in Burnsville, Minnesota. This founding date puts Credilife toward the bottom of the list of the credit repair companies we reviewed in terms of length of time in business.

Although the company’s website has quite a bit of good information on it, many of its pages haven’t been recently updated. Also, the Credilife website doesn’t include information about how much you’ll pay for its services. On a positive note, you can get lots of free credit repair resources from Credilife’s website.

  • Year Founded Founded in 2013; Incorporated in 2015
  • Average Cost $135 per month
  • Types of Credit Repair Services Available Lots of free do-it-yourself resources, plus assistance from a Credilife coach
  • Monthly Monitoring Options Not available
  • Official Website
  • Customer Support 1-800-576-4890

Credilife offers free, do-it-yourself credit repair tools, as well as paid credit coaching. One of the biggest drawbacks is the company’s website doesn’t provide information about its pricing, and its cost of $135 a month is higher than average. Plus, its website doesn’t include detailed information about the process it employs to help repair your credit if you sign up for paid coaching. 

Credilife is accredited by the Better Business Bureau (BBB) and has an A+ rating and nearly 5-star customer reviews with the BBB.

Available Services: A Credit Repair Program Great for Do-It-Yourselfers

Credilife is focused on helping individuals build and repair credit. Many of the credit repair tools offered by Credilife are built for do-it-yourselfers. This is because Credilife is focused on helping to educate the public about finances. Plus, the company aims to provide tools and tips that you can use to control your credit situation and finances. With that said, there are lots of free tools you can get from the company’s website, including sample dispute letters, how to get in touch with each of the three major credit bureaus, tips on how to improve your credit, and more. 

Also, Credilife offers a no-cost credit consultation, where you can learn about what you can do to improve your credit situation. You can also choose to work with a Credilife coach who will help develop a custom plan for your credit situation, develop a strategic set of techniques that can be used to repair your credit, provide you with accountability to help keep you on track, and provide you with tools and tips you can use to build a good credit history

Unlike many other credit repair companies we reviewed, Credilife does not provide information on its website about its costs or step-by-step details about the process it uses to help you repair your credit. We believe this lack of transparency is one of the key drawbacks to Credilife. Even so, we were able to learn from a customer service agent that it’ll cost you $299 to enroll with Credilife and $135 a month thereafter. While these costs are higher than average, on a positive note, Credilife also offers lots of free credit repair resources on its website. Plus, it offers discounts for couples and members of the military.

Repairing your credit on your own is not only doable but can also be a great way to save money.

Optional Add-Ons: Lots of Credit and Financial Management Tools

With Credilife, the entire credit program begins with a free credit consultation. During this consultation, you’ll be provided with credit advice that you can apply on your own or by using the many free tools available on the company’s website. If you hire a Credilife coach, not only will you receive credit repair assistance, but you can also get assistance with budgeting, student loans, debt management, and more. As previously noted, the company offers lots of free tools on its website. 

Keep in mind, there are other places you can go to get free credit advice. One of the best starting points for this type of information is signing up for a free consultation with a consumer credit counseling agency. There are lots of good credit counseling agencies out there. However, just like credit repair companies, it’s important to carefully consider your consumer credit counseling options before making a decision. 

A great place to get free advice regarding how to repair your credit is with a consumer credit counseling agency.

Customer Service: Helpful Once an Agent Responds

You can reach Credilife by calling 1-800-576-4890 between the hours of 9:00 a.m. and 6:00 p.m. (CST) during the week and 8:00 a.m. and 12:00 p.m. (CST) on Saturdays. You can also send an email to or submit a request to have someone contact you via its chatbot. We called the Credilife customer service team multiple times during the company’s normal business hours and weren’t able to reach anyone. We ended up leaving a message with the company’s chatbot, to which we ultimately received a response. The individual who responded was helpful and seemed willing to answer all of our questions. 

Reputation: Excellent Reputation and Few Complaints

Credilife has an excellent reputation, as evidenced by its A+ rating and only one complaint with the BBB. Also, a review of the Consumer Financial Protection Bureau’s consumer complaint database revealed only one complaint during the most recent three-year period. All that said, Credilife’s reputation is excellent when compared to the other credit repair companies we evaluated. 

Customer Satisfaction: Lots of Positive Feedback 

People who have worked with Credilife seem, for the most part, to be happy with the level of service they received. This is evidenced by excellent customer reviews with the BBB of nearly five stars and great Google reviews of 4.4 stars. Much of the positive feedback from both sources was related to the credit coaching people received from Credilife, with quite a few reviews praising the free resources Credilife makes readily available on its website and social media pages. 

Cost: Higher-Than-Average Costs

Credilife does not publish information on its website about its pricing. Even so, we were able to learn from a customer service agent that it will cost you $299 to enroll with Credilife and $135 a month thereafter. These costs are higher than average when compared to the other credit repair companies we reviewed. However, the company also offers great discounts for couples and members of the military. Not all of the competition offers discounts such as these.

Your contract is month-to-month with Credilife, meaning you can cancel at any time. Plus, the company offers lots of free credit repair and financial management resources. This is potentially a good thing for those who are interested in repairing their credit on their own. 

The following table summarizes the costs Credilife will charge you to work with a coach:

Plan One-Time Fee Monthly Fee
Coaching $299 $135

The Competition: Credilife vs. Ovation Credit Services

One of the well-known competitors to Credilife is Ovation Credit Services, a LendingTree company. Ovation by LendingTree offers two credit repair plans, with monthly costs ranging from $79 to $109, compared to monthly costs of $135 with Credilife. Like Credilife, Ovation Credit Services will provide you with a free credit consultation. You can either use this information to repair your credit on your own or sign up for one of Ovation’s credit repair plans. When comparing Credilife to Ovation Credit Services, we would choose Ovation based on its pricing transparency and lower overall costs.

  Credilife Ovation Credit Services
Monthly Price $135 $79 to $109
One-Time Fees $299 $89
Number of Plans Customized Two
BBB Accredited Business Yes Yes
BBB Rating A+ A+
BBB Customer Reviews Nearly 5-star Nearly 4-star
Final Verdict

Website Is Lacking Key Information, but Excellent Reputation

Based on our methodology, the main drawback to Credilife is a relative lack of transparency regarding its pricing and the precise process its credit coaches will use to help you repair your credit. Most of its competition clearly disclose this information on their websites. Also, you’ll pay a higher-than-average cost if you go with Credilife. Even so, Credilife has an excellent reputation, offers lots of free credit repair resources, and is focused on helping people improve their overall financial health. That said, Credilife might be a good source of information for credit repair do-it-yourselfers or for those who want to take a holistic look at their finances.

Article Sources

The Balance requires writers to use primary sources to support their work. These include white papers, government data, original reporting, and interviews with industry experts. We also reference original research from other reputable publishers where appropriate. You can learn more about the standards we follow in producing accurate, unbiased content in our editorial policy .
  1. Better Business Bureau. "Credilife." Accessed March 31, 2021.

  2. Consumber Financial Protection Bureau Complaints Database. "Credilife." Accessed March 31, 2021.