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Continental Credit

7 Years in Business

Our Score
User Score

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The Good

Continental Credit promises to give you a personal experience rather than an automated one. When you call you are promised to talked to a person rather than jump through the hoops of pressing buttons and picking options. They like to think of your credit much like your DNA: we have have it, but how we use it is uniquely ours. 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 in any longer than you have or want to be.


Continental Credit

BCRC Rank Monthly Price Licensed Attorneys Our Score
$59 No
$59 - $99 Yes
$89 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:

  1. Call and make an appointment to talk to a representative.
  2. Pulling your Credit Report and History
  3. Gathering your personal Information, they will ask you a series of questions about your personal history and back ground.
  4. Credit Report Consultation and Analysis
  5. Deciding if the monthly program is right for you
  6. Written Consent to act on your behalf
  7. After they have gathered up all the information needed it is time for you to relax

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. Another down fall is after you pay the $189 consulting fee if you have more than one account or if your spouse also needs help, there is an additional fee. In addition, there is a monthly fee to consider. Should you want to choose month-to-month the option is there, but you have to cancel the service with a phone call and follow a few steps before the service is fully canceled. If you do not make the call to cancel the service you will still be billed for their 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: Consultation Fee

After the analysis of your credit file has taken place, you must submit a $189 consultation and analysis fee.

Fifth 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.

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.

**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!

Our Score
User Score
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Ratings Breakdown


Monthly payments

Time in Business

How Long You've Been Around.
7 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: August 14, 2014

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