END OF YEAR OFFER
$49.99/MONTH CREDIT REPAIR
Best Credit Repair and Counseling Service
Unlock financial freedom with Cents Savvy’s Best Credit Repair Counseling. Our expert team helps remove negative items, rebuild credit, and boost scores through tailored strategies and DIY programs. Achieve the financial stability you deserve with Cents Savvy!
Looking for an Expert Credit Repair Service Provider to Help You Dispute Errors?
COLLECTIONS | STUDENT LOANS | BANKRUPTCY |
LATE PAYMENTS | HARD INQUIRIES | JUDGMENTS |
FORECLOSURES | IDENTITY THEFT | REPOSSESSIONS |
CHARGE OFFS | PERSONAL INFO | CHILD SUPPORT |
How It Works
Repair your Credit in 3 Easy Steps
Step 1
Take a FREE Credit Health Survey
Step 2
Perform Credit Health Analysis
credit scores down.
Step 3
Provide Credit Solutions
Company Comparison: The Most Aggressive Credit Repair Services:
PROGRAM FEATURES | CENTS SAVVY | LEXINGTON LAW | CREDIT SAINT |
MONTHLY FEES UNDER $75 |  |  | |
90 DAY GUARANTEE | | | |
UNLIMITED DISPUTES | | | |
CLIENT PORTAL AND MOBILE APP | | | |
DEDICATED CREDIT AGENT | | |  |
CANCEL ANYTIME | | | |
Included in the Cents Savvy Credit Repair Counseling Program
Our Pricing
DO-IT-YOURSELF PLAN
Powered by: CreditScoreIQ
$29.99
Per Month
PROFESSIONAL PLAN
$49.99
Per Month
Everyone Has A Credit Story. Let’s Make Yours A Success Today!
Why Choose Us
BENEFITS
We are your best financial resource!
FAQ: Get Your Questions Answered
Credit repair is the act of restoring or correcting a poor or lower than normal credit score. Credit repair can also involve paying a reputable company to contact the credit bureaus and point out anything on your report that is incorrect or untrue, then asking for it to be removed formally.
Perhaps one of the most obvious signs that it’s time to consider credit repair is if you’ve been consistently rejected for loans or credit cards. Lenders and creditors will use your credit score to determine your creditworthiness as part of your application and a low score can result in higher interest rates or immediate denials of credit.
Credit repair companies offer to “fix your credit” by removing negative items from your credit report. They file credit disputes related to negative items on your behalf with each of the three major credit bureaus to get the information updated and removed.
Credit counseing is designed to rebuild your credit. There may be temporary changes in your credit report as items are deleted and updated. You must stay the course and know that ultimately the goal of credit couseiling is to permanently remove inaccurate information from your credit reports.
Credit counseling is a program for people who have trouble managing their debt. Credit repair is related to making changes to improve your credit rating. Each of these services is available in different states. Cents Savvy focuses on both credit repair and credit counseling services.
For current program fees, please see pricing above in the “Our Pricing” section. The monthly fees at enrollment which are made up of both a service fee and a credit monitoring fee will remain the same during your time in the program. You can cancel at any time, this is a month to month program.
Cents Savvy is proactive in rectifying unjust or erroneous negative items impacting your credit. We initiate challenges to both creditors and all three major credit bureaus, striving to restore accuracy and fairness to your credit reports.
- Collections
- Late Payments
- Foreclosure
- Charge Offs
- Bankruptcy
- Judgments
- Reposessions
- Liens
- Student Loans
- Hard Inquiries
- Personal Information
- Identity Theft
We will assess your credit situation by reviewing all credit reports from the 3 major credit bureaus who report your credit history including Equifax, Transunion, and Experian. We identify all negative items that are errors, inconsistencies, and non-compliant items. We then draft and process letters sent to the credit bureaus to perform an investigation on the accuracy of these items, in efforts to get them deleted from your credit reports. We use the appropriate credit laws under the Fair Credit Reporting Act to dispute your negative credit items.