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Overview

PROUD CREDIT offers credit restoration, credit repair, and credit building services for their clients. This mix of programs lets them be a one-stop-shop when it comes to getting the best credit possible, and is more flexible than many of the companies we’ve looked at.

Pros

One of the best things they have going for them is that they file disputes with credit reporting agencies to challenge negative and inaccurate information found in credit reports. This information can have a huge impact on a consumer’s credit score, resulting in higher interest rates for loans, or possibly getting denied for loans altogether. These disputes are one of the most common strategies for resolving credit report issues, and work within US laws and regulations to be as effective and fair to the consumer as possible.

They also impressed us in that they focus on building credit with high quality products in addition to helping dispute and remove negative items on someone’s credit report. This continuing service and strategy to keep consumers’ FICO score increasing helps set them apart from many of the other credit repair services we’ve looked at, which normally only offer services to help consumers in their current situation, but doesn’t take into account any efforts to keep growing their FICO score once they’re finished with the program.

Cons

The company isn’t perfect. The first issue we have is they don’t use a pay-per-deletion model for pricing, and instead offer monthly rates. This setup means that consumers may be paying the credit repair service to wait for a response from the credit reporting agency in question. This can result in higher costs and doesn’t come with assured results, which could lead to consumers facing a huge bill with no benefit to show from it.

Verdict

PROUD CREDIT are a good option for individuals looking to repair and boost their credit. If you want a service that offers ways to keep increasing your score after you’re done with the repair or restoration process, then Proud Credit is the company you’ve been looking for.