Debt relief & credit repair
CreditSmart debt relief & credit repair complaints
Consumers have filed 3 complaints about CreditSmart's debt relief & credit repair, 3 in the last 12 months. CreditSmart answered 0% on time and closed - with relief. See the whole CreditSmart record.
CreditSmart against other debt relief & credit repair companies
| # | Company | 12 months | On time | Relief |
|---|---|---|---|---|
| 1 | Experian | 351 | 100% | 10% |
| 2 | Equifax | 256 | 100% | 32% |
| 3 | TransUnion | 249 | 100% | 58% |
| 4 | Consumer Financial Services Solutions | 224 | 68.8% | 0% |
| 5 | National Debt Relief | 180 | 98.9% | 0% |
| 6 | Encore Capital (Midland Credit) | 146 | 100% | 23% |
| 7 | Freedom Financial Network | 96 | 100% | 27% |
| 8 | Resurgent Capital Services | 93 | 100% | 21% |
| 9 | The J. G. Wentworth | 91 | 100% | 0% |
| 10 | Capital One | 86 | 100% | 16% |
| 11 | Kikoff | 72 | 100% | 0% |
| 12 | Americor Funding | 54 | 100% | 0% |
| 13 | CreditSmart | 3 | 0% | - |
Latest CreditSmart debt relief & credit repair complaints
| Received | About | Issue | Answer |
|---|---|---|---|
| Jul 31, 2026 | Debt relief & credit repair | Charged upfront or unexpected fees | No timely reply |
| Apr 13, 2026 | Debt relief & credit repair | Charged upfront or unexpected fees | No timely reply |
| Jan 10, 2026 | Debt relief & credit repair | Charged upfront or unexpected fees | No timely reply |
Your rights with debt relief & credit repair companies
The Credit Repair Organizations Act bans credit repair companies from charging before the work is done and gives you three days to cancel. Debt settlement companies that sell by phone cannot charge fees until they have actually settled a debt. You can do everything a credit repair company does yourself, for free.
General information, not legal advice; rules vary by state. Plain-English guides
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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