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#8
CRE_credit_services-130x130

CRE Credit Services

7-stage repair process, Fixed Pricing.
Read Customer Reviews

Our Score
8.0
User Score
8.6
Our Score
8.0
User Score
8.6
Rank this Company
Ratings Breakdown

Price

Seven Installments
$199

Time in Business

Total # of years
6 years

NR

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
48

This Review is maintained by

Review Last Updated:

CRE Credit Services offers 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 has a 7-Stage Repair Process which was developed by James Charlet, a former member of Experian’s legal and compliance department.
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The Good

CRE Credit Services is registered and bonded for clients’ protection and clearly declares 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).

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
#8
CRE_credit_services-130x130
$199 Yes
8.0

Some additional highlights of CRE Credit Services include:

  • Guarantee: Confident in their ability to produce results, CRE Credit Services offers a 100% money-back guarantee.
  • Free Consultation: Each client is given a free consultation during sign-up and a free in-depth analysis of your credit reports. There is no obligation to work with CRE Credit Services upon having a free consultation and analysis.
  • Seven Step Process: 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.
  • Educational Information: CRE Credit Services provides tons of information about the credit repair industry online.  Not only do they have an informative blog, they have FAQs and several pages explaining credit education, credit support, credit reports, etc.

The Bad

Although CRE Credit Services have several highlights in regards to their guarantee, seven step process, etc., they do have a few drawbacks:

  • Time in Business: CRE Credit Services are a relatively new company, in business only 6 years.  Some companies have been in business over 10 years, giving them more experience in the credit repair industry.
  • Hours of Operation: Hours of business for CRE Credit Services are limited compared to others. They operate 8 am to 7 pm Central Time, while some companies operate until 9 or 10 pm.

Another issue we uncovered is in regards to their two BBB ratings. CRE Credit Services has listed two different profiles, an A+ BBB rating and an F BBB rating. However, the BBB itself does have concerns of its own. In 2013, we looked into overall concerns with the BBB and discovered that all credit repair companies in Dallas receive an arbitrary F rating. Because of this discrepancy, the CRE Credit Services are in the process of transferring their information to a new BBB profile, which currently is listed with “No Rating.” Though the company still periodically gets complaints filed to its profile in Plano, TX.

The Bottom Line

According to CRE Credit Services, on average you will see 50+% of deletions done in 30-45 days and 75+% within 6 months. Their 7 Step Stage Process is truly unique and unlike other processes in the industry. In addition, they are staffed with licensed attorneys and have a money-back guarantee. Customer reviews highlight their ability to see credit scores improve. However, other consumers have harshly criticized the company and its services.

CRE Credit Services is a good company for being upfront with their pricing and is dedicated to helping clients get results in only a 6 month period. Compare to the top rated companies in the industry to ensure you are making the best choice for credit repair.

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.

Advice

“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.

Copyright

“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.

Indemnity

“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!

48 CRE Credit Services Reviews

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  1. User Score
    10
    November 13th, 2015
    0 people found this review helpful!
    I am so thankful for this company. I was hesitant, but did my research and prayed about it. I made the right decision as I got my credit score increased 189 points on my midscore in 5 months. Thank you thank you thank you! I highly recommend them!
  2. User Score
    0
    September 10th, 2015
    2 people found this review helpful!
    DO NOT USE THIS COMPANY!!!!

    I’m 5 months in and $1600.00 poorer. My credit score actually got worse after dealing with this company. I’m so frustrated I could cry. Big mistake on my part. I believed what they told me. Oh and don’t believe you’ll get your money back. You won’t.
    So do yourself a favor and Don’t use them.

  3. User Score
    10
    June 30th, 2015
    0 people found this review helpful!
    I had a great experience with CRE. Before I signed up I had all this stuff on my credit reports that didnt even belong to me. I couldnt even get qualified from one of those cheap used car dealerships that approve anyone. After 6 months with CRE i was able to finally get a car from a manufacturer approved dealer and for a great rate. I loved my results with CRE and the customer service was great especially for someone like me who probably called too much with a lot of questions. :P I have already started telling my friends about CRE
  4. User Score
    0
    June 26th, 2015
    1 people found this review helpful!
    Please do yourself a favor and stay away from this company and many others that promise to help you fix your credit by deleting negative accounts such as car repos, etc… CRE is a complete fraud. They will promise and GUARANTEE that they will delete all negative accounts. They might delete some easy accounts such as credit inquiries and some late payments and that’s about it. If you have a car repo, tax lien, foreclosure or medical bills…. don’t even dream that they will delete those accounts. Again please don’t believe them. The only thing that is guarantee is that you will lose a lot of money if you decide to go ahead and do business with them.
  5. User Score
    1
    June 26th, 2015
    1 people found this review helpful!
    This company CRE Credit Service is a ripoff they promise they going to eliminate collection account and they only delete stupid account and credit inquiries from your credit but the most important one with the high potential they will never delete those account , car repo, medical bill, tax lien, etc .. when i call to obtain information on how they work.. the rep make me a lot of promise that he really convince me it cost me over 1600 for nothing , at the end the more important account never got delete , all they do is send dispute account never was delete my car repot , my medical bill, 2 account that i have in collection from TMOBILE over 1700 , and federal and state tax lien .. they Finish all the process and told me there is nothing else they will be able to do.. they lie to me after they got the money pay , now they coming that there is nothing else they wll be able to do…. there is about 5 account the more important one they never delete those account..
  6. User Score
    10
    June 9th, 2015
    0 people found this review helpful!
    I did extensive research on this company and many others before making a decision and I can tell you they are by far the best. One of the owners speaks all around the country at the top mortgage conventions as a keynote speaker. I just went to one of them in Oregon before making a decision and this guy knows a lot. He is from Experian and these guys are the best. A lot of the mortgage people there said they use them there as well and get people qualified for them. I am looking forward to working with them and I know I made the best decision.
  7. User Score
    10
    June 2nd, 2015
    1 people found this review helpful!
    I dont understand how anyone can give this company anything but a 10. They did everything for me they said they were going to and I am so happy finally having a credit score over 750 with all three bureaus.

    :) I love CRE

  8. User Score
    0
    May 30th, 2015
    2 people found this review helpful!
    Do not use this company. They make you feel like you’re fine with the easy stuff then with the hard stuff you get screwed and get bad advise along with garnishment of all your wages and cars. They of course on a Friday they aren’t available to help when the companies are obviously available and willing to take money you were promised was safe by CRE. “They’ll take care of it”… no they won’t. Find a better company with better ratings. Once you look for a company like this then it just stirs up a buch of stuff that they aren’t willing to handle as promised. Seriously… go the other way!!!!!!
  9. User Score
    10
    May 21st, 2015
    2 people found this review helpful!
    I had had experience trying credit repair by myself before working with Cre but I was never able to keep a negative off my credit report. I would get one removed and a month or so it would show right back up again. This repeatedly kept me from getting a decent home.

    My friend finally told me to try cre. I was skeptical at first considering how I had tried and tried and was never able to accomplish anything myself and also I noticed that they do charge more than some other companies I had heard about but on the recommendation of my friend i decided to give them a try.

    I am so glad I did. Within 6 months they were able to remove all the accounts that were keeping my score down and it has been another 6 months since I completed the program and still all the accounts are gone. I must say I extremely grateful to CRE for getting me through this and the money was well spent.

  10. User Score
    10
    May 20th, 2015
    2 people found this review helpful!
    I was lucky to find this company. I had been trying for at least years to dig myself out of a hole with my credit with no luck.

    A friend had me call CRE Credit Services and I am glad I did. They were able to remove 12 of the 13 negatives on my reports and that was enough to get my score into the 700s. Now im finally looking for a new home for my family.

    I cannot say enough great things about this company.

  11. User Score
    10
    May 8th, 2015
    0 people found this review helpful!
    CRE is very god company. They did help me to get credit car.

    I call they have spanish speker too.

  12. User Score
    10
    May 8th, 2015
    0 people found this review helpful!
    I had a great experience with this company and would absolutely recommend them
  13. User Score
    10
    May 5th, 2015
    2 people found this review helpful!
    I graduated from their program this week and I just had a lender pull my credit scores today and my midscore was 697. I was a 538 midscore 6 months ago. I am very happy with their services and I highly recommend them!
  14. User Score
    10
    May 2nd, 2015
    0 people found this review helpful!
    These guys are legit. No doubt they are the best out there!
  15. User Score
    10
    April 30th, 2015
    2 people found this review helpful!
    I just finished this program and I can say I am very happy with CRE .When I signed up I had about 15 negatives on my credit report and they were able to get all but 2 removed and I saw my score jump to about 700 from about 500. I am about to start looking for homes which is something i didnt think I would be able to do for years.
  16. User Score
    10
    April 27th, 2015
    2 people found this review helpful!
    I used to be with another credit repair company that will remain nameless and they were awful. Then my friend said to check this website. After reading the review I decided to go with CRE Credit Services.

    I am so glad I did. Since joining them I have seen my credit score go up about 150 points and I have just started looking for a home

  17. User Score
    2
    April 27th, 2015
    1 people found this review helpful!
    They offer a money back guarantee if your not satisfied with their service but do not give you the details, for example, that they charge for everything they do so they don’t have to give you the refund. Additionally their customer service is horrible. I have tried to get them to give me contact info to try to get a home loan–which i cant do because they weren’t successful in removing something they guaranteed to do…so I would not recommend spending your money.
  18. User Score
    10
    April 27th, 2015
    1 people found this review helpful!
    CRE Credit services is great company. They help me to get home qualify. There customer service great to.
  19. User Score
    10
    April 22nd, 2015
    1 people found this review helpful!
    I am extremely happy with CRE Credit Services. They have helped me to get a new car for the first time in my life and they were always so great when I call called with questions.
  20. User Score
    10
    April 16th, 2015
    3 people found this review helpful!
    CRE has been amazing for me. They helped me get my credit score from 540 to 715 during the 6 months of the program. I finally was able to get approved for a mortgage through wells fargo. I would recommend CRE to any of my friends. Not only do they get results but their customer service is amazing. I am very happy :)
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Our Score
8.0
User Score
8.6
Rank this Company
Ratings Breakdown

Price

Seven Installments
$199

Time in Business

Total # of years
6 years

NR

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
48
Our Score
9.4
User Score
7.1
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
1,006