News Update: "Consumers need to be more cautious in vetting (credit repair) companies with which they do business." - BBB Study
#75
continental-credit logo
Our Score
3.8
User Score
3.0
Rank this Company
Ratings Breakdown

Price

Monthly payments
$69

Time in Business

Total # of years
9 years

A-

Guarantees/Warranties

Money Back Guarantee?
No

Credit Reports

Equifax, Experian, TransUnion
0/3

Licensed Attorneys

Are There Attorneys on Staff?
No

Case Setup

consultation, evaluation etc.
No

Number of Reviews

User reviews here on BCRC
24

This Review is maintained by

Review Last Updated:

Stating “the road to good credit should be a smooth ride”, Continental Credit says they are committed to personal interaction and zero automation. The firm believes credit to be personal and different for each client and they strive to help clients with that in mind. They look at every aspect of your credit score, both good and bad, to help you achieve the best results possible.
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The Good

Continental Credit has several good features when it comes to credit repair. From personal interaction to their standing with the Better Business Bureau, here are a few strong points in regards to Continental Credit:

Rank Chart Monthly Price Licensed Attorneys Our Score
#1
$79 - $99 Yes
9.4
#2
$99.95 Yes
9.0
#3
$59 Yes
8.9
#75
continental-credit logo
$69 No
3.8
  • Custom/Personal Experience: Continental Credit promises to give you a personal experience rather than an automated one. Promising to help you with customizing a program that will suit your needs and a month-to-month commitment.
  • Free Consultation: Continental Credit offers a free consultation, which is a great value for potential clients.  It allows potential clients to talk about their situation and then make a decision comfortably.
  • BBB Standing: Currently Continental Credit has an A+ with the Better Business Bureau.  They have no filed complaints, which is quite impressive.

The Bad

Although Continental Credit is far from zero automation and gives a free consultation to potential clients, they do have a few drawbacks, such as:

  • Fees: Continental Credit has several fees throughout their process. 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.
  • No Licensed Attorneys: There are no licensed attorneys working on your credit repair with Continental Credit.  This is definitely a drawback, since several credit repair companies have licensed attorneys on staff.
  • No Money-Back Guarantee: Continental Credit does not offer a money-back guarantee.

The Bottom Line

Continental Credit has both good and bad aspects to their firm. They have a personalized experience for their customers, which is important since every person’s credit situation is different.  In addition, their standing with the BBB is great!  However, the firm doesn’t have any licensed attorneys on staff and don’t offer a money-back guarantee. We advise comparing to the top ranked companies to see if there is a better fit for you.

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!

24 Continental Credit Reviews

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  1. User Score
    1
    December 10th, 2015
    1 people found this review helpful!
    I would not recommend this company. I paid $15K from outstanding collections (credit cards, lien, hospital bills, etc) due to an economic downturn resulting in a loss of employment for 2 1/2 years. Now that employment flourished, I was able to pay down my bills and ready to begin the process of buying a home. My contract obligation was for $793 for 9 months of service. My mortgage lender suggested I use this company to help improve my credit score. Unfortunately, the work performed to improve my credit score was minimal. Customer service was very poor from rude customer service to people who don’t know anything to no one ever returning my phone call whenever I asked for a return phone call. I was sold the contract under false pretense. When my credit score did not reach the goal score, under which my initial reason for signing the contract, didn’t happen, I called in to complain. They will do EVERYTHING in their power to keep you including lying to you. In the end, I completed my part of the bargain and have learned my lesson… The truth of the matter is… Do NOT turn to credit repairing companies..It’s a waste of time and money.
  2. User Score
    8
    August 20th, 2015
    0 people found this review helpful!
    I have nothing but good things to say about this company. nothing is perfect, and all I know is, the good will come with the bad in any scenario. so with that being said, thank you continental for what you’ve done for me!
  3. User Score
    1
    August 1st, 2015
    0 people found this review helpful!
    I signed up for this program and they have don’t nothing for me besides take my money I have called them for 2 months and no one has returned my calls good luck call the credit pros
  4. User Score
    0
    July 13th, 2015
    0 people found this review helpful!
    HORRIBLE!!!!!!!!!! Please i beg you please do not waste your time or money with this company… The guy i initially started with told me with the little amount of things i had on my credit that it wouldnt take no more than 2-3 months max to have ALL 7 OF THEM REMOVED!! im in the third month and he has moved to a different department without any kind of notice to me to let me know, i now call in to get an update on my process and talk to somebody totally different each time and all they have to say is “oh the documents has not been processed yet call back in a couple of days” ive been told that the last 5 times i have called. i have payed each month and havent heard anything about my credit whether it is going up or down!!! im past fed up and do not want to continue to pay for a service that im not even receiving :(
  5. User Score
    0
    May 28th, 2015
    0 people found this review helpful!
    We canceled the service and they where still taking money out of our account
  6. User Score
    0
    May 28th, 2015
    1 people found this review helpful!
    A total joke…this company will hurt your credit not help it . All they want is a monthly payment. The only time you here from is when a payment is due. Then when you go to close your account they hit you with more fees to close. Was with them for 8 months and got ZERO removed from my credit. And when you go to call to complain about it to billing they say I only been in the system for two months a total joke save your money I got better things to do in my life I just wanted to get this out there so no other sucker falls in the situation I fell into
  7. User Score
    0
    May 1st, 2015
    1 people found this review helpful!
    i was told to use this service from a real estate agent..BIG MISTAKE.. bad reviews all over the internet, should have listened…lol… i paid for months and my score did not go up at all, it did not even flatten out. IT WENT DOWN AND GOT WORSE!!! WTF?
    and after cancelling service they will hound you for additional payments for “WORK ALREADY PREFORMED”
    RIP-OFFS.. DO NOT USE THIS CO.
  8. User Score
    2
    April 24th, 2015
    0 people found this review helpful!
    I have been trying to get an update on what they’re working on my account for over four months I get no feedback back. In fact they sent me the information on someone else’s account. Someone named Frank Perez. Now I’m worried that they’ve sent my information to someone else by mistake. When I ask about this the only thing I received back was a email that said I apologize and that was it. Extremely hard to deal with.
  9. User Score
    10
    April 22nd, 2015
    1 people found this review helpful!
    I must say I am 100% satisfied with my results so far. I joined them about three months ago and I have seen a 40 point increase in my score. Fallon Fleming is very professional and always will to address any questions and concerns I may have. I would recommend them to any one who is trying to have their credit files corrected.
  10. User Score
    10
    April 10th, 2015
    2 people found this review helpful!
    Continental credit took me from a 549 fico to a 735 fico in 9 months. Their staff was hugely helpful from when they enrolled me through the time I ended the program. They helped me improve my positive credit by educating me on debt utilization on my credit cards. They saved me tons time, money, and headaches. These folks are available from before I go to work til after I am home. I had my credit fixed 6 years ago and they have always had the same company name.

    Mike Jones
    Denver CO

  11. User Score
    2
    March 10th, 2015
    1 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.
  12. User Score
    10
    February 24th, 2015
    3 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++
  13. User Score
    7
    February 18th, 2015
    2 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.
  14. User Score
    0
    December 29th, 2014
    1 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.
  15. User Score
    0
    December 26th, 2014
    1 people found this review helpful!
    Where do I start?? Waste of 4 month and not results…

    Please go shop elsewhere…

  16. User Score
    0
    December 11th, 2014
    3 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. ..do 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…..
  17. User Score
    1
    April 8th, 2014
    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.
  18. User Score
    0
    November 6th, 2013
    1 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!!!
  19. User Score
    0
    October 31st, 2013
    1 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.
  20. User Score
    0
    August 19th, 2013
    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.

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Our Score
3.8
User Score
3.0
Rank this Company
Ratings Breakdown

Price

Monthly payments
$69

Time in Business

Total # of years
9 years

A-

Guarantees/Warranties

Money Back Guarantee?
No

Credit Reports

Equifax, Experian, TransUnion
0/3

Licensed Attorneys

Are There Attorneys on Staff?
No

Case Setup

consultation, evaluation etc.
No

Number of Reviews

User reviews here on BCRC
24
Our Score
9.4
User Score
7.0
Rank this Company
Ratings Breakdown

Price

Monthly w/ $99.95 First-Work Fee
$79 - $99

Time in Business

Total # of years
25 years

A-

Guarantees/Warranties

Money Back Guarantee?
Yes

Credit Reports

Equifax, Experian, TransUnion
3/3

Licensed Attorneys

Are There Attorneys on Staff?
Yes

Case Setup

consultation, evaluation etc.
Yes

Number of Reviews

User reviews here on BCRC
1,002