Know who you're trusting with your credit — before you pay anyone
Charging a fee before a promised result is delivered is flatly illegal under federal law. We independently check real companies against that law and a published standard, and report the findings honestly — no paid rankings.
Try a company name, or go to Find a company.
- Records checked
- 81
- Full reviews completed
- 5
- Last updated
- October 15, 2026
Records checked: every company whose public records we have started checking against the published standard, even where some points could not be confirmed. Full review completed: every applicable point was checked and ended as pass, fail or not applicable, with none left unknown and none on hold.
Record snapshot
- credit repair30
- debt settlement29
- nonprofit credit counseling8
- debt consolidation loan7
- credit-builder product7
5 full reviews completed · 0 on the public list · updated October 15, 2026
See the full Register →- What you can check
- Credit repair, debt settlement & credit-builder products
- No paid placements
- 0 commercial relationships
- Re-checked
- Every 6–12 months, on schedule
Recently checked
The full Register →The most recently checked companies named on the public list — each shown with the points confirmed and any still open.
How the Record works
See the full standard →We publish the standard first
A checkable set of points, tied to specific federal and state law — not a subjective "quality" score.
We check the company, not the marketing
Every point is checked against a public record — a court filing, a state registry, the company's own contract — never a company's own claim about itself.
We show what was confirmed — and what wasn't
Every company on the public list is shown with the points confirmed and any still open. A company is described as fully verified only when every applicable point was resolved; anything less is labeled "Review incomplete" or HOLD.
We re-check on a schedule
Every listed company is re-verified every 6–12 months, whether or not anything changed — see our methodology.
We take no payment from any company we check, and no payment ever influences a verdict — see our editorial policy for exactly what that means and what would change if it ever does.
Start here
All credit help guides →New to credit repair
What credit repair actually is
Disputing inaccurate items yourself is free and legal. Paying someone to do it is common, and legal too — as long as it follows one rule almost every company breaks.
Most asked
Can they charge me before results?
No — not lawfully, and not as a matter of interpretation. The rule and the exact fee structures that violate it, explained.
Before you sign
Warning signs to watch for
Ten specific things a legitimate credit repair or debt settlement company will never do.
One email when a new company is checked
A new company added to the Register, and a new Library explainer as it publishes — no launch hype, no affiliate pitches, unsubscribe in one click.
Recently updated
All updates →October 15, 2026
When can a debt settlement company charge you?
If a debt relief company sells its service over the phone, the federal Telemarketing Sales Rule says it cannot ask for or take any fee.
October 15, 2026
How to stop prescreened credit card and insurance offers
Federal law lets you take your name off the credit bureau lists used for prescreened offers, for five years or permanently. Here's how it works, step by step.
October 15, 2026
How long do late payments stay on your credit report?
The CFPB says credit reporting companies "can generally report negative information about your credit account payment history for up to seven years"