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Up My Score

18 Years in Business

Our Score
User Score

upmyscore-home upmyscore

The Good is an A+ BBB member since 2001 who prides themselves on providing one-on-one service with their case advisors. They’ve been in business for 18 years and offer two levels of credit repair programs depending on how quickly you need results. offers personalized services to meet YOUR needs and based on your financial goals and your specific circumstances. They train their Case Advisors in the Fair Credit Reporting Act. They offer a free consultation before you make your decision and assure their clients that they will be 100% satisfied.


Up My Score

BCRC Rank Monthly Price Licensed Attorneys Our Score
$49 No
$59 - $99 Yes
$89.95 Yes
$199 Yes

The Bad

Only one bad review found on where client was very dissatisfied with the service he received stating that after 18 months his score only improved 2 points and most of the negative activity was still on his report. Also, there are less expensive Credit Repair companies than and you can find free services by reputable companies as well. So if cost is a large concern, there are acceptable alternatives.

While they have an A+ rating with the BBB the rating is for a different company named Horizons Unlimited Group. Visiting their Horizon site yields red flags. None of the links on the site lead to any pages and the company is a software/marketing company. This leads us to believe Horizon Unlimited is a front for Up My Score to help them receive a higher BBB rating because Texas is very stringent on credit repair agencies.

The Bottom Line lists six reasons why their client’s love them…experienced, affordable, effective, reputable, one-on-one customer service and they stand behind their service. Compare companies, do the research to pick a quality company. So depending on your credit repair needs and the urgency you have for making improvements, offers 100% satisfaction guaranteed, cancel anytime, one-on-one personalized service, and 24 hour online case access. Again, be prudent when selecting a credit repair agency. Up My Score does have red flags.

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!

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Ratings Breakdown


$89 first work fee + monthly fee

Time in Business

Total # of years
19 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 23, 2015

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