Credit bureau · complaint record
Credible Labs complaints
Filed under Credible Labs Inc.
Consumers have filed 38 complaints about Credible Labs since 2018, 2 of them in the last 12 months. It answered 100% on time and closed 50% with relief for the customer. The most common problem is improper use of your report.
Rated once a company has 25+ complaints in 12 months. How it works
- Complaints on record
- 38
- Last 12 months
- 2
- Answered on time
- 100%
- Closed with relief
- 50%
- Last 30 days
- 0
- Rank
- #342 of 566
Since November 2018
new vs the year before
Industry: 99.9%
Typical credit bureau: 32%
Newest: Jul 2, 2026
Most complained-about credit bureaus & report companies
Credible Labs complaints by month
The busiest month was March 2021 (3 complaints). Complaints rise with a company's size and with news, so compare trends rather than totals.
How Credible Labs answered all time
- Closed with monetary relief410.5%
- Closed with non-monetary relief513.2%
- Closed with explanation2976.3%
"Closed with explanation" means the company replied but gave no money back and changed nothing. What each answer means
What Credible Labs complaints are about
Top Credible Labs problems
Inside "Improper use of your report"
- Reporting company used your report improperly 3
- Credit inquiries on your report that you don't recognize 3
- Received unsolicited financial product or insurance offers after opting out 3
Where Credible Labs complaints come from
Most complaints: Texas (4), Virginia (4), North Carolina (3), Ohio (3), New Jersey (3).
Credible Labs compared with other credit bureaus & report companies
| # | Company | Score | 12 months | Grade |
|---|---|---|---|---|
| 1 | Apple FinancingCredit reporting | 57 | 28 | C |
| 2 | Nav TechnologiesCredit reporting | 55 | 28 | C |
| 3 | Opportunity FundCredit reporting | 51 | 27 | C |
| 4 | Heritage Financial GroupCredit reporting | 0 | 27 | F |
| 5 | Informative ResearchCredit reporting | 60 | 26 | C |
| 6 | Pennsylvania Housing Finance AgencyCredit reporting | 56 | 25 | C |
| 7 | King of Credit FinancialCredit reporting | 10 | 25 | F |
| 8 | Credible LabsCredit reporting | - | 2 | - |
Compare side by side: Credible Labs vs Apple Financing · Credible Labs vs Nav Technologies · Credible Labs vs Opportunity Fund · Credible Labs vs Heritage Financial Group
What people say about Credible Labs
All experiencesNo experiences with Credible Labs yet. Yours would be the first on the record - and the one the next person reads.
Share yoursLatest Credible Labs complaints
Full log| Received | About | Issue | Answer |
|---|---|---|---|
| Jul 2, 2026 | Credit reporting | Improper use of your reportReporting company used your report improperly | Fixed |
| Jan 13, 2026 | Credit reporting | Improper use of your reportReceived unsolicited financial product or insurance offers after opting out | Explained |
| Jun 15, 2025 | Credit reporting | Incorrect information on your reportAccount information incorrect | Explained |
| May 20, 2025 | Payday & personal loans | Was approved for a loan, but didn't receive the money | Fixed |
| Apr 29, 2025 | Payday & personal loans | Loan payment wasn't credited to your account | Explained |
| Feb 14, 2025 | Credit reporting | Incorrect information on your reportAccount status incorrect | Explained |
| Dec 2, 2024 | Student loans | Dealing with your lender or servicerProblem with customer service | Explained |
| Nov 23, 2024 | Payday & personal loans | Getting a line of credit | Explained |
| Oct 13, 2024 | Payday & personal loans | Getting a line of credit | Explained |
| Oct 3, 2024 | Debt relief & credit repair | Didn't provide services promised | Explained |
| Aug 21, 2024 | Payday & personal loans | Getting a line of credit | Explained |
| Jul 9, 2024 | Payday & personal loans | Getting the loan | Explained |
Questions about Credible Labs
How many complaints does Credible Labs have?
Credible Labs has 38 complaints on record since November 2018, including 2 in the last 12 months and 0 in the last 30 days. That makes it number 2,550 of every company by complaints this year.
Does Credible Labs respond to complaints?
Yes. Credible Labs answered 100% of its complaints on time (within 15 days) and closed 50% with relief - money back or a fix; 0% ended with money back. The rest were mostly closed with an explanation only.
What do people complain about most with Credible Labs?
The most common problems are improper use of your report (9), getting the loan (6), applying for a mortgage or refinancing an existing mortgage (5).
Is Credible Labs legit?
Credible Labs is a real company with a public complaint record: consumers have complained about it 38 times and it answers through the official complaint process. Whether it is right for you depends on the details - see is Credible Labs legit? for the signals, red flags and how to protect yourself.
How do I file a complaint against Credible Labs?
Complain to Credible Labs in writing first and keep a copy. If it isn't fixed, file an official complaint with the federal consumer financial regulator - the company must answer, usually within 15 days. Our step-by-step guide: how to file a complaint against a company. Then share your experience here so others know.
Where do most Credible Labs complaints come from?
Most come from Texas (4), Virginia (4), North Carolina (3). Big states file more complaints, so the map shows complaints per 100,000 people.
Complaint records are public consumer complaints filed with U.S. regulators, checked (newest received Nov 15, 2026). Complaints are consumers' own accounts and are not verified; counts grow with a company's size. How the data works
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