Credit360 Reviews

Looking for Credit360 alternatives? We've ranked 7+ similar companies by reviews.

Credit360 is a credit repair service provider operating through the website credit360.biz. The company positions itself as a results-driven solution for individuals seeking to address negative items on their credit reports. Credit360 Credit Repair states that it only charges a fee when items are successfully deleted, removed, or repaired from a client’s credit report, aligning payment with demonstrable outcomes. The company offers a credit repair program described as the 360 Repair, Rebuild, and Relax program. This program is presented as an alternative to other credit repair services that charge monthly fees without guaranteed results. Credit360 emphasizes advanced disputing tactics and includes a 100% money-back guarantee. The service is promoted as a way to avoid ongoing monthly charges from other companies while focusing on producing results. Credit360 outlines a range of negative credit items that it works to remove, including third-party collections, debt buyer collections, tax liens, medical collections, charge-offs, broken leases, repossessions, judgments, foreclosures, bankruptcies, identity fraud, and inaccuracies related to names. The company also notes that tax liens no longer appear on credit reports but historically had a significant negative impact. The credit repair process is described as involving credit report analysis, creation of a tailored action plan, disputing of inaccuracies, and ongoing monitoring to track progress. The company states that it provides comprehensive credit audits every 45 days and uses Metro 2 Compliance and factual disputing methods. Services include full credit audits across Equifax, TransUnion, and Experian, personalized strategies, and FCRA-based disputes for inaccurate, unverifiable, or untimely information. Additional features highlighted by Credit360 include no monthly fees, pay-after-deletion pricing, unlimited personal disputes, credit coaches, and a referral program offering credit toward deletion fees. The company provides a free consultation and positions its services as a way to address bad credit’s impact on areas such as housing, employment, and loan interest rates.