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Continental Credit

8 Years in Business

Our Score
User Score

CC_office continental credit homepage Continental Credit has a BBB of B ,

The Good

Continental Credit promises to give you a personal experience rather than an automated one. Their staff promises to help you with customizing a program that will suit your needs, with a month-to-month commitment you are not locked into.


Continental Credit

BCRC Rank Monthly Price Licensed Attorneys Our Score
$69 No
$59 - $99 Yes
$89.95 Yes
$59 Yes

Unlike other credit repair companies, they have designed a program to suit each client’s needs. They look at every aspect of your credit score, both good and bad, to help you achieve the best results possible. Continental Credit will make sure to check all the information they gather on you to verify that none of the claims are false. They also promise to give you a complete Consumer Credit Report listing, so you can see for yourself what is on your credit. Continental Credit has 7 steps to follow in their process of working with you to repair your credit.

The Bad

This particular company has changed its name several times throughout the years. Often it seems that this company changes its name to avoid the Better Business Bureau.

After you pay the initial $189 consulting fee, an additional fee will be charge if you have more than one account or if your spouse also needs help. In order to fully-cancel their service, you need to call in. If you do not take all the necessary steps for cancellation, your account will still be billed monthly.

Our concerns about Continental Credit include:

  • Additional fees for spouses, unlike our top recommended credit repair companies
  • Constant name change to avoid a bad BBB grade
  • Unclear cancellation services

The Bottom Line

Continental Credit has both good and bad reviews from previous customers, but like all companies it is best that you research them completely before you decide. Continental Credit has a personalized experience for their customers, which can make jumping through the hoops of credit repair easier to deal with than using some of the other companies out there. However, their past relationship with the BBB and repeatedly changing their name is alarming. Anyone considering their service should move forward with caution and prudence.

Continental Credit uses a 7-step process for their clients. The process helps determine what can be done on a particular individual’s credit case, and answers any questions and concerns a client may have.

First Step: Contact

Fill out an online form or call a representative from Continental Credit. This conversation will help determine how much work can be done on a specific case.

Second Step: Analysis

One of Continental Credit’s specialist will thoroughly go over your credit report with you. They will point out what items will most likely be able to be removed as well as inform you of what areas you could improve on while also highlighting what you are doing right.

Third Step: Personal Information

You will be asked for some personal information that is required by the credit bureaus before a specialist can start working on your case.

Fourth Step: Monthly Correction Process

During the analysis process, you will be notified if there are errors or inaccuracies on your credit report that can be removed. If there are removable items, you will be asked whether or not you want to set up a monthly plan to have Continental Credit work to get these items removed. You are not required to purchase the monthly plan, but if you wish to continue in the program and allow Continental Credit specialists go through the disputing process for you, then you will be asked to pay a $59 monthly fee for the services performed.

Fifth Step: Consultation and Analysis Fee

Pay the consultation and analysis fee of $189.

Sixth Step: Confirmation

A confirmation will be sent to you that you will need to sign and return. You will have 5 days to cancel the contract. This confirmation is required by law before any services can be performed.

Seventh Step: Waiting Period

Simply wait 30-45 days for your case to be handled by the credit bureaus after they receive a dispute claim.

Company Blog

Their blog features common credit repair issues including credit score accuracy and how to build positive credit. Continental Credit uses this blog to communicated with customers. The blog is a place for customers to gain information regarding Continental Credit and credit repair in general.

Credit Score Breakdown

Another feature on Continental Credit’s website is their breakdown of credit scores. They provide information regarding how credit scores are calculated. There is an explanation about FICO score and how to clean up your credit in general. They also provide ideas on ways to improve your credit. These include:

  • Credit card companies should report a limit
  • Look at your credit score yearly
  • Do not apply for new credit cards

Informational Videos

Continental Credit offers informational videos pertaining to credit repair. These videos answer common credit repair questions and give a glimpse into how their process works.

**This is a summation of the terms and services/contract details and is in no way a complete depiction of this company’s actual terms and services or contract. The information found below is simply additional information and commentary with the intent to help the consumer. If you wish to know the exact language of the terms of service/contract, please contact this company with any questions or concerns you may have.**

Section 1:

“You have a right to dispute inaccurate information in your credit report by contacting the credit bureau directly. However, neither you nor a credit repair company or credit repair organization has the right to have accurate, current and verifiable information removed from your credit report. The credit bureau must remove accurate, negative information from your report only if it is over 7 years old. Bankruptcy information can be reported up to 10 years.”

What to know:

You can dispute inaccurate items (mistakes) on your credit report, but if the item is verifiable and correct, it must remain on your credit report. No one, not even a credit repair company, can remove accurate items from your credit report, so make sure that when you enlist the help of a credit repair company that you are aware of the number of accurate and inaccurate items on your credit report.

Section 2:

“You have a right to obtain a copy of your credit report from a credit bureau. You may be charged a reasonable fee. There is no fee, however, if you have been turned down for credit, employment, insurance, or a rental dwelling because of information in your credit report within the preceding 60 days. The credit bureau must provide someone to help you interpret the information in your credit file. You are entitled to receive a free copy of your credit report if you are unemployed and intend to apply for employment in the next 60 days, if you are a recipient of public welfare assistance, or if you have reason to believe that there is inaccurate information in your credit report due to fraud.”

What to know:

You are entitled to a copy of your credit report. You can get one credit report per year free of charge, while the other two may cost you a small fee. If you are unemployed, you have the right to a free copy of your credit report if you are actively looking for a new job.

Section 3:

“You have a right to sue a credit repair organization that violated the Credit Repair Organization Act. This law prohibits deceptive practices by credit repair organizations. You have the right to cancel your contract with any credit repair organization for any reason within 3 business days from the date you signed it.”

What to know:

Credit repair companies must be held to the CROA standard. If they fail to abide by the law, you have grounds to take up legal action. You also, according to CROA regulations, have the right to cancel your contract three days after you sign for whatever reason you want.

Section 4:

“Credit bureaus are required to follow reasonable procedures to ensure that the information they report is accurate. However, mistakes may occur.

You may, on your own, notify a credit bureau in writing that you dispute that accuracy of information in your credit file. The credit bureau must then reinvestigate and modify or remove inaccurate or incomplete information. The credit bureau may not charge any fee for this service. Any pertinent information and copies of all documents you have concerning an error should be given to the credit bureau.

If the credit bureau’s reinvestigation does not resolve the dispute to your satisfaction, you may send a brief statement to the credit bureau to be kept in your file, explaining why you think the record is inaccurate. The credit bureau must include a summary of your statement about disputed information with any report it issues about you.”

What to know:

You have the right to dispute the accuracy of items on your credit report. The credit bureaus are responsible for conducting thorough investigations to determine whether or not the item will come off of your report.

Are there any inaccuracies in this review? We take accuracy very seriously and would love your feedback. Visit our Request Reconsideration page and send us your feedback today!

14 Continental Credit Reviews

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  1. User Score
    michael murph
    March 10th, 2015 at 11:52 am
    0 people found this review helpful!

    What joke I switched from Lexington law firm due to it being cheaper.they don’t contact you they try to milk more and more money from you.then you have to join a credit site that cost money and email them your password.

  2. User Score
    Paul Jones
    February 24th, 2015 at 4:29 am
    0 people found this review helpful!

    When I first got started I was trying to purchase a home back in August, my mid credit score was 538. I had about $32k in charge offs and collections. They coached me on opening secured credit cards and to settle the only account on my credit that had to be paid to get my home loan. I have since open two credit cards, closed on my home and purchase a car with 0% interest. My credit transformed in five months to a 708 and all collections were removed from my report and not one had to be paid. I cannot say enough about what they did for me and my family, they truly changed my life. I am truly thankful. A++

  3. User Score
    February 18th, 2015 at 1:18 am
    0 people found this review helpful!

    For a few months now (less than 6 months) I have been working w/ Continental Credit. I will have to say – initially I thought their services were a waste of money and time as I started to see my credit scores go down rather then up. However, being patient, just two months later and my score has went up dramatically. I was even able to open a bank account, which literally two months earlier I was denied and told it was due to an old account appearing on my credit. From my personal experience with CC I will say wait it out before you give up. These kind of things aren’t cleared up overnight. Patients is definitely a virtue in the situation.

  4. User Score
    Sarita McKnight
    December 29th, 2014 at 7:49 pm
    0 people found this review helpful!

    I have been a customer of this company for a few months and I am not impressed with the services at all. I have yet to receive any updates unless I am threatening to cancel that is the only way I hear from them.

  5. User Score
    December 26th, 2014 at 11:44 pm
    0 people found this review helpful!

    Where do I start?? Waste of 4 month and not results…

    Please go shop elsewhere…

  6. User Score
    December 11th, 2014 at 9:38 pm
    0 people found this review helpful!

    I normally don”t leave bad reviews for companies but this one had to be done…It was a waste of money with this company… I don’t like how they will still continue to debit money out of your account every month even after u cancel with them… i had to call my bank for them to stop taking money out of my account every month..they are so quick to sign you up and take your money but when you Want to cancel … they will ignore your call and will not get back to you for days. not waste your time and money with this company!!!! You don’t need to pay them 59.00 a month for them to tell you to open a credit card and stay under credit utilize of 30%…..this company is all bad…..

  7. User Score
    Katie from California
    April 8th, 2014 at 4:06 pm
    0 people found this review helpful!

    I used them two times and left after a few months. I did not enjoy using them and spend about $500 after mortgage lenders referred me to them. If you plan on spending about a year with them then its worth your money but if you only have 6 grand in debt, just do that. If someone was in huge debt and didn’t want to pay off the individuals they owe money to then it may be worth it and paying someone to clean up your junk but if you owe the money they can keep putting it back on and the process is pretty ridiculous.

  8. User Score
    November 6th, 2013 at 4:02 am
    0 people found this review helpful!

    Do NOT use! No improvement, waste of money and our scores FELL because they disputed everything. They were instructed to dispute only a few items but disputed all, even ones that were 4 & 5 years old. No professionalism, I was hung up on by Jason and continually lied to by every employee I spoke with. I wish I would have never heard of this company!!! Please do not use them!!!

  9. User Score
    Lesson Learned
    October 31st, 2013 at 5:25 pm
    0 people found this review helpful!

    Been with this company since 2012, wasted over $800.00 for nothing. They do not communicate, started with Brittany whom gave me false information. You have to contact them because they only contact you if your payment is needed. They are by far a complete scam. Do your research and stay clear.

  10. User Score
    August 19th, 2013 at 11:56 pm
    0 people found this review helpful!

    Don’t bother with Continental credit. Those that saw any score improvement probably received new credit by applying for the cap one card that they recommend. This is by far the easiest and fastest way to achieve 80-100 point increase.

    The dispute process does little to help unless the accounts are actually deleted. You can do this on your own for free. I spent over $800 with Continental and only saw improvement after I applied for and used the cap one credit card. The first 4 months saw no improvement with the dispute process. Save your money, apply for a medium-risk credit card, call your creditors directly, and don’t believe the hype with these repair companies.

  11. User Score
    August 8th, 2013 at 11:41 pm
    0 people found this review helpful!

    I have been working with Continental Credit since January 2013. I was given a direct email and ext to a specialist Brittany, who was overseeing my case. I was told I would be given monthly updates. My first update came Feb, 15 2013 after I had to email a request to be updated. It’s been six months and that is the only update I was given. All calls and email requests for information are ignored. False promises were given for increased Fisco scores needed to obtain a mortgage. I cancelled my services and was still charged on my credit card after numerous requests to cancel.

  12. User Score
    Home buyer
    October 15th, 2012 at 9:44 pm
    0 people found this review helpful!

    My credit score has increased by at least 80 points with 1 bureau (Transunion) and an average of 50 with the other 2 (Experian and Equifax).

    Overall I am satisfied with their services.

  13. User Score
    September 24th, 2012 at 9:13 pm
    0 people found this review helpful!

    I have had good results with this company. Some minor customer service issues, but I cannot knock a 80pt increase from 3 months of work.

  14. User Score
    July 30th, 2012 at 10:43 pm
    0 people found this review helpful!

    Have been working with these folks since Jan 2012 with very little input from them and no improvement in credit score. Never received any information from bureaus. Disappointed at lack of results and hesitant to try another of this type company.

Our Score
User Score
Rank this Company
Ratings Breakdown


Monthly payments

Time in Business

Total # of years
8 years



Money Back Guarantee?

Credit Reports

Equifax, Experian, TransUnion

Score Updates

Equifax, Experian, TransUnion

Licensed Attorneys

Are There Attorneys on Staff?

Case Setup

consultation, evaluation etc.

Site Security

Active Website SSL?

Number of Reviews

User reviews here on BCRC

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Review Last Updated: January 14, 2015

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