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Emmediate Credit Solutions

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Emmediate Credit Solutions extensive experience in the financial and credit industries, has allowed them to collect the knowledge to dispute issues on Clients’ Credit Reports with a high level of success in the first attempt. Their credit repair process includes a generation of “unique dispute letters” which translates into better results from the first round of disputes. ECS services also include “rapid resolution” where rapid resolution ensures that your disputes are mailed within 72 hours initiation. ECS also helps to increase debt to income ratio. The goal is to provide you with the credit accounts required to boost your credit score, regardless of your credit history.


The Good

ECS (Immediate Credit Solutions) provides fast service, allow you to call them on any working day at no cost to discuss your urgent matters with their agents. Online registration is available. You can also register your contact details with the company and wait to hear from them. ECS have samples of reports available for potential clients to review online at any given time. Their customer service is available 24 hours a day and they are willing to assist customers immediately after registration. Customers have stated that they were assisted within 4 working days after requesting for assistance.


Emmediate Credit Solutions

BCRC Rank Monthly Price Licensed Attorneys Our Score
$79.95/month No
$59 - $99 Yes
$89.95 Yes
$59 Yes

The Bad

ECS are not accredited by BBB. Approximately 28 complaints relating to the company have been dealt with in the past three years. ECS have been reported for failing to provide the desired outcome by former clients. They have also been accused of charging clients high amounts of money for their services. They have also reported for scamming clients by charging them for little or no changes to credit reports. Their employees have been known to put unnecessary pressure on clients to take up “necessary steps” to improve their financial state. Clients also pointed out that their cash refunds have failed to be delivered on time, or not paid back at all. Immediate Credit Solutions have not provided clear guidelines online on how they provide results to clients.

The Bottom Line

ECS only has fewer testimonials than it does complaints from customers. Their reputation leaves a great deal to be desired. We highly recommend individuals looking for reliable credit services to patiently look for alternative service providers. However, there are no actions taken by the government against ECS.

Emmediate Credit Solutions is complete with a team of experienced credit experts who are assigned to individual cases. These experts work on an individual level to provide the following service:

Step #1:

The Emmediate Credit Solutions expert assigned to handle your credit repair case will check for accuracy. There are an overwhelming amount of errors on credit reports, so checking for accuracy is critical.

Step #2:

The expert will then dispute erroneous items that are on your credit report and can be legally removed. The specialist will send dispute letters to the credit reporting agencies and start to get those errors removed.

Step #3:

A plan is put in action to help you develop a spending plan which will help lower the debt you do have and raise your credit scores over time.

Step #4:

Education  materials are provided to you in order to help you learn how to maintain a “healthy” credit score even after you have stopped using Emmediate Credit Solutions’ services.

Step #5 (in the premier package):

Includes looking for new trade lines to also help raise your credit score.

**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.**

Personal Information:

“ECS may collect personally identifiable information, such as your name. If you purchase ECS’s products and services, we collect billing and credit card information. This information is used to complete the purchase transaction. ECS may also collect demographic information, which is unique to you, such as your age, gender, household income, race and SSN. We may gather additional personal or non-personal information in the future as is needed to complete your case.

Information about your computer hardware and software may be automatically collected by ECS. This information can include: your IP address, browser type, domain names, access times and referring website addresses. This information is used for the operation of the service, to maintain quality of the service, and to provide general statistics regarding use of the ECS website.

ECS encourages you to review the privacy statements of websites you choose to link to from ECS so that you can understand how those websites collect, use and share your information. ECS is not responsible for the privacy statements or other content on websites outside of the ECS website.

ECS collects and uses your personal information to operate its website(s) and deliver the services you have requested

ECS may also use your personally identifiable information to inform you of other products or services available from ECS and its affiliates. ECS may also contact you via surveys to conduct research about your opinion of current services or of potential new services that may be offered.

ECS may sell, rent, or lease customer information to third parties for the following reasons: To provide value added services through third parties.

ECS may, from time to time, contact you on behalf of external business partners about a particular offering that may be of interest to you. In those cases, your unique personally identifiable information (e-mail, name, address, telephone number) is transferred to the third party. ECS may share data with trusted partners to help perform statistical analysis, send you email or postal mail, provide customer support, or arrange for deliveries. All such third parties are prohibited from using your personal information except to provide these services to ECS, and they are required to maintain the confidentiality of your information.

ECS will disclose your personal information, without notice, only if required to do so by law the good faith belief that such action is necessary to: (a) conform to the edicts of the law or comply with legal process served on ECS or the site; (b) protect and defend the rights or property of ECS; and, (c) act under exigent circumstances to protect the personal safety of users of ECS, or the public.”

What to know:

Your personal information (such as your name and credit card/billing information) is kept private, but marketing data (IP addresses, domain names, etc.) can be collected by ECS and used.

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!

6 Emmediate Credit Solutions Reviews

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  1. User Score
    Maribel Campuzano
    December 17th, 2014 at 5:19 pm
    0 people found this review helpful!

    I been paying this company for 2 years and they have not help me at all … my credit have not improve…i am going to cancel!!!! please dont sign up with them!!!!

  2. User Score
    JD Montgomery
    July 2nd, 2014 at 4:09 pm
    0 people found this review helpful!

    Before starting with ECS my credit score was low 400. I have been working with them for a little over a year and my credit is now in the high 660. I have purchased a new truck, and have been able to get loans through my bank as well as other creditors. They have helped me to be able to accomplish some of my goals. Thank you for the service you have provided.

  3. User Score
    Stephen Scettrini
    June 16th, 2014 at 7:31 pm
    0 people found this review helpful!

    SCAM. I contacted Emmediate Credit Solutions aka my credit in the hopes that they could help me resolve some of my credit issues. They agreed to help me if I signed up for their service at $150 and $50 a month thereafter. So after I sighed up I waited a month and I never heard back from Emmediate Credit Solutions. I called after not hearing back and was told I was on a waiting list and I should be contacted shortly. After 3 months went by I called again and asked to speak with a manager. I spoke with Chanel and I told her I had paid the sign up fee and for 2 months of service at $50 a month but I had not received any service or so much a phone call. She did some research and issued me a refund. I got the check within 2 weeks and a month later I received a call from Emmediate Credit Solutions telling me I owed them money as part of our agreement. I was then sent to collections after I was the refunded my original sign up fees. This company has a different manager every time I call them. STAY AWAY! You can fix your credit on your own. STAY AWAY FROM EMMEDIATE CREDIT SOLUTIONS AND MYCREDITCOMPANY.COM

  4. User Score
    August 14th, 2013 at 11:20 pm
    0 people found this review helpful!

    This company made me feel pressured, so I signed up. The next day after reading many bad reviews, I canceled. I was told that within 4 to 5 business days my refund would be sent to me. That was a month ago, I have called them every week since I canceled and have been told something different every time and no one returns my calls. All I want is my refund and to never do business with them again!!!!

  5. User Score
    July 1st, 2013 at 7:10 pm
    0 people found this review helpful!

    I have paid this company for over a year to fix my credit. I did more to it than they did! They claim that they send attorneys letters out to the credit agencies. But after reading their BBB reviews, I find out that they don’t have any attorneys on staff! Don’t waste your hard earned money on these people!

  6. User Score
    April 29th, 2013 at 6:04 pm
    0 people found this review helpful!

    This a companies long on promises, but short on results.
    There are out of Utah and they do not follow thru.

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Ratings Breakdown


$99.95 Start-up fee

Time in Business

Total # of years
4 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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