USA Credit Repair Review

Carefully consider your credit repair options

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USA Credit Repair

USA Credit Repair

overall rating

USA Credit Repair has a shorter time in business than most of the competition and a worse reputation, so it’s probably a good idea to continue shopping.

  • Pros & Cons
  • Key Takeaways
  • Company Overview
Pros & Cons
  • Personalized service

  • No recent complaints with the CFPB

  • F rating with the BBB

  • Short time in business

  • Limited useful customer reviews

Key Takeaways
  • USA Credit Repair has a shorter time in business than much of the competition.
  • The company offers a customized credit repair plan.
  • Monitor your credit after reaching your goals
  • You can reach USA Credit Repair by phone or online.
  • USA Credit Repair has a poor rating of F with the BBB.
  • Few of the available positive customer reviews provide useful information.
  • Negative customer reviews note problems related to billing and the company’s services.
Company Overview

USA Credit Repair is a privately held credit repair company that was founded in 2016 or earlier and is headquartered in New York, NY. This length of time in business puts the company toward the bottom of the other credit repair companies we reviewed. Not much is known about the company other than the date its file was opened with the BBB and where it is headquartered. Unlike much of the competition, USA Credit Repair does not include this type of information on its website.

  • Year Founded 2016 or earlier
  • Prices Must request quote with contact form
  • Types of Credit Repair Services Available Personalized credit repair services
  • Monthly Monitoring Options Partnership with a third-party for those interested in adding credit monitoring
  • Official Website
  • Customer Support 1-800-509-5751

To see prices from USA Credit Repair's credit repair services you must request a quote through their contact form online. We have seen prices that seem to be on the higher end of the industry. There is limited information about the company, but based on a review of information published by the Better Business Bureau (BBB), USA Credit Repair appears to have been founded in 2016 or prior. This makes it one of the newest credit repair companies of those we reviewed.

In addition to being one of the youngest of the companies we reviewed, USA Credit Repair also has a worse reputation than most of the competition, as evidenced by its F rating with the BBB. However, as far as we can tell, there haven’t been any recent complaints with the Consumer Financial Protection Bureau (CFPB).

Available Services: Customized Credit Repair Services

The majority of the other credit repair companies we reviewed include detailed information about their pricing and credit repair process on their websites. USA Credit Repair doesn’t provide many details about the process used to repair your credit. However, it does note that it will help you repair an unlimited number of items, which is good compared to the competition. 

The process with USA Credit Repair starts with a free credit consultation. After your credit has been reviewed, a credit advisor will build a custom plan for you. The company will work on an unlimited number of items and work to repair items with all three major credit bureaus. You won’t have to sign a long-term contract. To get prices, you must request a quote by putting your information in a contact form. We contacted them and were quoted prices on the higher side of the industry.

Optional Add-Ons: No Other Services Provided

USA Credit Repair simply offers credit repair services, without additional add-ons. However, their website says that they do monitor your credit. Monthly credit monitoring can be a great asset during and after credit repair. This lack of add-on services is not overly unusual when compared to the competition.

Routinely monitoring your credit is a good way to avoid surprises and maintain a good credit history.

Customer Service: Typical Contact Options

You can reach USA Credit Repair by phone at 1-800-509-5751 from 9:00 a.m. to 6:00 p.m. EST Monday through Friday. These hours of operations are pretty typical when compared to the other credit repair providers we reviewed. In addition, you can submit a request online for someone to contact you. This is an option not offered by all of USA Credit Repair’s competitors. 

Reputation: Poor BBB Rating and Multiple Complaints

USA Credit Repair has a poor F rating with the BBB, placing it toward the bottom of the list of credit repair companies we reviewed. In addition, there were 11 complaints with the BBB within the past three years, with three of those complaints in the past 12 months. Most of the BBB complaints are related to problems with the services offered by USA Credit Repair, including billing and payment problems. Even so, a check of the CFPB’s consumer complaint database didn’t reveal any complaints within the most recent three years. 

Customer Satisfaction: Limited Customer Reviews Providing Useful Feedback

USA Credit Repair has no customer reviews through the Better Business Bureau and also none on Trustpilot. However, the company does have a 4.1-star rating on Google based on quite a few reviews. But, not many of the positive reviews include any comments or have only brief comments. Some of the negative reviews indicate problems with billing or services received. Overall, many of the negative comments were similar in tone to complaints on file with the BBB. For these reasons, we suggest carefully weighing your options before using this company, as there are many other credit repair providers out there, some of which have great reputations.

If you ever feel as if a financial services provider did not treat you fairly, you can file a complaint with the Consumer Financial Protection Bureau.

Cost: Little Transparency and Higher Than Average 

USA Credit Repair doesn’t publish any pricing on its website, which is fairly unusual. To learn more, we called the company and were quoted fees on the higher end of things. Obviously, they could change without us knowing, but keep this in mind.

The Competition: USA Credit Repair vs. Ovation Credit Services

One of the key competitors to USA Credit Repair is Ovation Credit Services, an affiliate of LendingTree. As it relates to pricing, you’ll pay less with Ovation Credit Services than you will with USA Credit Repair. Plus, Ovation Credit Services has a much better reputation than USA Credit Repair. This is evidenced by Ovation Credit Services’ A+ rating with the BBB compared to USA Credit Repair’s F rating with the BBB. For all of these reasons, we think Ovation Credit Services is a better option than USA Credit Repair if you’re looking for a credit repair provider.

  USA Credit Repair Ovation Credit Services
Monthly Price Contact for Quote $79 to $109
First Work Fees Contact for Quote $89
Number of Plans One Two
BBB Accredited Business No Yes
BBB Rating F A+
BBB Customer Reviews No rating 3.72
Final Verdict

Continue to Shop Around

Based on our methodology, when comparing USA Credit Repair to the competition, not only are its costs potentially higher than average, but it also has a worse reputation than most of the other companies we reviewed. For these reasons, we suggest considering some of USA Credit Repair’s competitors for help with repairing your credit.

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. "USA Credit Repair." Accessed May 6, 2021.

  2. Consumer Financial Protection Bureau. "Consumer Complaint Database." Accessed May 6, 2021. 

  3. Google Reviews. "USA Credit Repair." Accessed May 6, 2021.

  4. Better Business Bureau. "Ovation Credit Services." Accessed May 6, 2021.