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CRE Credit Services

7-stage repair process, Fixed Pricing

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User Score

Call: 1-(888) 428-0565

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CRE Credit Services is a credit services organization offering credit repair services, credit restoration services, credit building services, and credit education services. They operate in full compliance with Federal CROA and Texas State CSO regulations. CRE Credit Services is owned and operated by professionals with extensive experience in personal finance, banking, credit, credit reporting, collections, finance, mortgage, and experts that have over 50 years of experienced combined.

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The Good

CRE Credit Services never asks for an upfront pay, you only pay on results, you will not be asked to disclose your credit card information anywhere during the application process. The company offers a toll free contact number and they clearly declare its compliance to the different governing state and federal laws to ensure customers know their rights like CROA, FTC and an accredited member of National Association of Credit Services Organizations (NACSO). Some key highlights of CRE Credit Services include:

  • Fast results
  • 100% money-back guarantee
  • Free in-depth analysis

They have a unique Seven Step stage system to repair your credit. This program is designed for 6 months, but many clients see results in as little as 30-45 days. You are charged for those seven installments of $199 and nothing after that. Other companies may promise lower rates, but they give you no indication of when you will stop being charged. CRE Credit Services is upfront and honest about their pricing.

CRE Credit Services offer:

  • 7 stage credit repair process
  • Discounts
  • On-staff licensed attorneys

The Bad

CRE Credit Services are a relatively new company and their hours of business are limited compared to others. Another issue we uncovered is in regards to their two BBB ratings. CRE Credit Services currently has an A+ BBB rating and an F BBB rating. However, we have overall concerns with the BBB and discovered that all credit repair companies in Dallas receive an arbitrary F rating. CRE Credit Services are in the process of transferring their information to a new BBB profile in a different area to get rid of its automatic F listing.

The Bottom Line

We recommend using CRE Credit Services. They have the have the highest reported deletion ratios in the country. On average you will see 50+% of deletions done in 30-45 days and 75+% within 6 months. They are staffed with licensed attorneys and have a money-back guarantee. Their unique 7 Step Stage system produces results. Customer reviews highlight their ability to see credit scores improve. We are confident you will be satisfied with their services.

CRE Credit Services offers a Seven Step System to ensure a full and thorough evaluation of your credit. This proprietary audit method system was created by their co-founder and COO James Charlet. He is formed member of Experian’s legal and compliance department. He has experience dealing with creditors, collection companies, etc. and how their policies of how they deal with credit repair companies.

Their 7 stage system looks for errors and initiates audits from collection agencies, creditors, public records and other reporting agencies. CRE Credit Services are aware of the laws and regulations set and will use them to protect you. They contact creditor directly and demand a response within the time mandated by federal law. Many consumers are unaware of errors that can be damaging to their credit profile. This system makes sure nothing falls through the cracks.

CRE Credit Services is dedicated to providing consumers with credit education including credit scores, budgeting and financial principles to help make them successful as they move forward in life.

**This is a summation of the terms and services/contract details/privacy policy 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.**

Credit card details

“CRE Credit Services, LLC will never ask for Credit Card details and request that you do not enter it on any of the forms on CRE Credit Services, LLC.”

What to know:

You will not have to give credit card details to CRE Credit Services, and if asked, you are not obligated to provide them.


“The contents of CRE Credit Services, LLC website do not constitute advice and should not be relied upon in making or refraining from making, any decision.”

What to know:

The advice given to you on the website is not reliable in every situation.


“6.1 All copyright, trade marks and all other intellectual property rights in the Website and its content (including without limitation the Website design, text, graphics and all software and source codes connected with the Website) are owned by or licensed to CRE Credit Services, LLC or otherwise used by CRE Credit Services, LLC as permitted by law.
6.2 In accessing the Website you agree that you will access the content solely for your personal, non-commercial use. None of the content may be downloaded, copied, reproduced, transmitted, stored, sold or distributed without the prior written consent of the copyright holder. This excludes the downloading, copying and/or printing of pages of the Website for personal, non-commercial home use only.”

What to know:

You cannot take information that is copyrighted by CRE Credit Services.


“You agree to indemnify and hold CRE Credit Services, LLC and its employees and agents harmless from and against all liabilities, legal fees, damages, losses, costs and other expenses in relation to any claims or actions brought against CRE Credit Services, LLC arising out of any breach by you of these Terms and Conditions or other liabilities arising out of your use of this Website.”

What to know:

You will not be able to sue for liabilities based on the terms and conditions outlined for you in your contract.

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!

27 CRE Credit Services Reviews

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  1. User Score
    March 23rd, 2015 at 9:59 pm
    1 people found this review helpful!

    This company is amazing. Been trying to get approved for a new car for years. Finally after CRE I can say I got my first new car.

  2. User Score
    Melanie Collins
    March 17th, 2015 at 5:18 pm
    1 people found this review helpful!

    I am very happy with the results that I have had in only 1 1/2 months. My Transunion score went up 80 pts already!! I’m very anxious to see what the other credit reports will look like. Josh was very nice and even the results department was very nice and called me to remind me about sending in any information that I receive from the credit bureaus. I’ll see what happens next!

  3. User Score
    Barbara Eason
    March 10th, 2015 at 4:47 pm
    5 people found this review helpful!

    Having a very bad experience with CRE Credit Services. Extremely, and I do mean extremely expensive such as $999.00 payable in six month. Need to cancel this service because it is not affordable for my income. Was told, if I cancelled the service — would still owe them $999.00! So if I still owe that enormous amount of money — and the service cancelled — I ask you — does that make any sense? But I got a better one for you — as of todays’ comment, 3/10/15, the cancellation has not been approved yet!!!! I am still waiting to talk to someone again about my cancellation request. I SERIOUSLY DO NOT RECOMMEND THIS COMPANY. The rating I got from the BBB was an F – there were also 24 complaints against them. I recommend you continue searching out for more TRUE, HONEST, AFFORDABLE companies for credit repair.

  4. User Score
    Rick Fornash
    February 27th, 2015 at 5:57 pm
    4 people found this review helpful!

    Many thanks to CRE! I’ve webt through several companies and none delivered results, these guys did. I’m sure everyone’s situation is different and credit is different but for me they did a great job and I finally was able to purchase my first home :-)

  5. User Score
    January 30th, 2015 at 9:09 pm
    2 people found this review helpful!

    They did get stuff off my credit but they defiantly did not deliver what they promised. I did the full 6 months, and my credit score did not improve in fact it went down. They removed my mortgage that was paid off, because in had one 30 day late payment. I would go with Lexington law they are much cheaper and do the same thing. They also promise to refund you for anything they do not remove that is a lie they will do some special math and tell you they don’t owe you anything. though their own graph tells them they left 53% of negative credit on your report . The point is there is no fast way to fix your credit and know one even knows how they come up with score.

  6. User Score
    January 29th, 2015 at 9:23 pm
    2 people found this review helpful!

    After two weeks they are telling me ” we can’t just work on inquires…sorry “

  7. User Score
    January 25th, 2015 at 1:09 pm
    1 people found this review helpful!

    Last week, I decided to enroll in their service. The staff were very nice and professional.

  8. User Score
    Clay Davis
    January 19th, 2015 at 8:17 pm
    2 people found this review helpful!

    Check the BBB’s site and complaints made against this company. It seem that they lie to customers to get 1000. plus dollars(100.00 a month plus extra fees) then when the customer stops paying as no results seen in 4 months they claim warranty of contract is voided due to non payment and customer gets nothing back and no services.
    Looks like a scam to me.
    26 complaints that say basically the same thing from clients over and over again.

  9. User Score
    January 14th, 2015 at 4:33 pm
    0 people found this review helpful!

    Just started using this company no results yet but it’s only been one week I really want to buy a nice home for my family

  10. User Score
    Helen Peters
    April 25th, 2014 at 6:12 am
    1 people found this review helpful!

    CRE got me qualified for a home loan in 4 months after I had been turned down by multiple lenders. I am forever grateful. Thanks CRE!

  11. User Score
    January 23rd, 2014 at 11:17 pm
    0 people found this review helpful!

    Thank you for all of your help. You helped get me and my son a house when no one else would or could. I am forever grateful to your company and will send everyone I can your way!

  12. User Score
    December 30th, 2013 at 7:00 am
    0 people found this review helpful!

    I got some really great results and I referred 2 family members that did as well. They fixed my credit much quicker than I expected. I got some $ waived for referring people too which was awesome and they were happy.

  13. User Score
    Mrs. C
    December 16th, 2013 at 7:37 pm
    1 people found this review helpful!

    This was the third company I tried on this list and let me tell you they are legit. These other companies dragged their program and didn’t get me any results. CRE got 25 items deleted in 3 months. That is what I am talking about! This is the company you need to go with right here. Thanks CRE!!!!!!!

  14. User Score
    December 12th, 2013 at 7:50 am
    0 people found this review helpful!

    These guys are awesome. Heard about them from a buddy in the mortgage business. He told me they get all of his clients qualified and so far I have gotten great results in the first couple months!

  15. User Score
    November 16th, 2013 at 8:06 am
    1 people found this review helpful!

    I got 31 out of 34 items deleted in 3 months so far i would say I am pretty happy with these guys.

  16. User Score
    November 5th, 2013 at 6:50 am
    0 people found this review helpful!

    This company is amazing. I am telling you they are so great if you are hesitant at all you shouldnt be. I certainly was at first, but I have seen the results they promise. They really are the best. Thanks guys!!!

  17. User Score
    Geena Montague
    October 23rd, 2013 at 10:58 pm
    0 people found this review helpful!

    I went from a mid score of 578 to a mid score of 674 in 3 months and got qualified for a house. Saying I am happy with the results of this company would be an understatement!

  18. User Score
    Bobby B.
    October 9th, 2013 at 4:30 pm
    0 people found this review helpful!

    I got referred to this company after being turned down for a mortgage. They got me qualified and at a good interest rate. This company is legit.

  19. User Score
    October 7th, 2013 at 7:49 pm
    1 people found this review helpful!

    This company is no doubt the best. I tried 3 different companies over 2 years and these guys actually got results. After all that time in 4 months they got 90% of my negative items deleted and got me qualified for a home. They are great!

  20. User Score
    October 5th, 2013 at 10:58 pm
    0 people found this review helpful!

    These guys are great. Got a new car and going to get a house soon as well. Thanks guys!

  21. User Score
    June 4th, 2013 at 2:46 am
    0 people found this review helpful!

    Credit scores went up an average of like 80 points on each bureau in just a few months. Im happy.

  22. User Score
    May 23rd, 2013 at 6:48 am
    0 people found this review helpful!

    My husband and I got a new house thanks to CRE and we got a 3.75% interest rate. We are very happy!

  23. User Score
    Jordan and Jerry Hallowell
    May 21st, 2013 at 6:53 am
    0 people found this review helpful!

    I really can’t thank CRE enough for all of their help. My husband got laid off several years ago and it was so unexpected, but the economy got very bad and despite working for a large company he was not immune. In addition, I went through medical problems around the same time and that caused a lot more problems. Finally, my husband found a great job and I got past my medical problems, but it took us a while to recover from the debt and our credit was terrible. Everything had changed so quickly and so unexpectedly that we felt lost. We had lost our house and we were renting for a few years. I knew I couldn’t get a house, but I was determined to one day get a home again for our family. I decided to call and talk to a financial planner and he had me sit down with a mortgage friend of his and they advised me to call CRE Credit Services and start working on our credit. They both had told me we had a ways to go, but we needed to call them and learn about our credit and see what they could do to help us as well. I have to say it was the best decision of our lives. After the consultation with them I felt like a weight had been lifted off of my shoulders. My husband and I felt happier again and we felt hope so we did everything they told us and now as of March of 2013 we got rid of our debt, both of our credit scores are around 700, and we closed on a house! It was a dream come true and if you have experienced anything similar I recommend you start with one of their consultations as we did. They were recommended to me and it may sound silly, but they changed our lives.

    Jordan Hallowell

  24. User Score
    Jamie A
    May 15th, 2013 at 9:01 pm
    0 people found this review helpful!

    CRE is the best do your research there is no one better! Thanks CRE!

  25. User Score
    May 13th, 2013 at 5:19 pm
    1 people found this review helpful!

    These guys are awesome. My credit was really bad due to a medical situation in outlr family compounded by a job loss. When I signed up with CRE I started out with a 544 on Experian, a 562 on transunion, and a 493 on equifax. In 5 months my scores have gone up to a 678 on Experian, a 707 on transunion, and a 698 on equifax. They are Awesome!!!

  26. User Score
    May 10th, 2013 at 6:45 pm
    0 people found this review helpful!

    I have tried several credit repair companies in the past and a couple that were ranked high on this list and they got no results for me. I was very cautious about moving forward with another company again as I felt I had wasted so much money in the past. I heard about the experience of this company from my cousin who is a loan officer who sends his clients to them. I reluctantly gave them a shot and they did everything they said they would. I am very happy I took the chance on another company. I got a new car last month and we moved into our new house in March of this year! I highly recommend CRE.

  27. User Score
    Jason Stotts
    March 30th, 2013 at 8:26 pm
    0 people found this review helpful!

    This company is great! I tried other credit repair companies and didn’t have a lot of success. I did a lot of research and found that these guys were the best. They had the experience and a money back guarantee so I tried them. I am glad I didn’t give up on trying, I was trying to get a house for my wife and kids for years and they helped my significantly raise my scores and get into a home in 3 months. I am eternally grateful for CRE and so is my wife and 2 daughters!

Our Score
User Score
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Ratings Breakdown


Seven Installments

Time in Business

Total # of years
5 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: March 27, 2015

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