Certified Credit Experts provides assistance to their customers in understanding what items on their credit report they can challenge, and then help their customers file disputes and verification requests on those items. The result is a higher FICO score so clients can get better terms on financial products and credit.


One of the best things about Certified Credit experts is that they are partnered with a credit-focused law firm to provide help for their clients. This means clients have access to enforcement mechanisms if they have taken the necessary actions to have negative items removed from their credit report and the credit reporting agencies haven’t complied yet. Moreover, their dispute process goes beyond looking for inaccuracies, and also focuses on verification and other types of challenges that increase the client’s chance of success when it comes to getting items removed from their credit reports.

They also impressed us in that they offer pay-per-deletion pricing. This is advantageous because it means that consumers can know exactly how much it will cost to remove different items. Moreover, because consumers only pay if information is removed, they don’t have to worry about not getting any results for their money. We prefer this payment model when compared to monthly fees because once a dispute or action has been filed, the credit repair company doesn’t have to take any actions. Monthly fees leave consumers paying the agency to wait for them, making pay-per-deletion a better model for the consumer.


They do have some issues however, the first being that their fees and rates for services aren’t described on their website, which means that customers will have to set up an appointment or call in to get more information. We don’t like this sales tactic, as customers are more likely to sign up with a service once they’ve shared information, so we view this as a negative when it comes to credit repair services.


Certified Credit Experts are a good option for many consumers. The broad approach they take to challenging items on credit reports and the backing from an actual law firm, combined with their advantageous pay per deletion model put them toward the top of the credit repair companies we’ve seen even without a transparent pricing guide.