Debt relief & credit repair
Transform Credit debt relief & credit repair complaints
Consumers have filed 5 complaints about Transform Credit's debt relief & credit repair, 1 in the last 12 months. Transform Credit answered 100% on time and closed 0% with relief. See the whole Transform Credit record.
Transform Credit 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 | Transform Credit | 1 | 100% | 0% |
Latest Transform Credit debt relief & credit repair complaints
| Received | About | Issue | Answer |
|---|---|---|---|
| Jun 14, 2026 | Debt relief & credit repair | Confusing or missing disclosures | Explained |
| Mar 6, 2024 | Debt relief & credit repair | Charged upfront or unexpected fees | Money back |
| Apr 26, 2023 | Debt relief & credit repair | Confusing or misleading advertising or marketing | Explained |
| Mar 29, 2023 | Debt relief & credit repair | Unexpected or other fees | Explained |
| Dec 1, 2022 | Debt relief & credit repair | Fraud or scam | Explained |
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
Talk about Transform Credit
No comments yet. Start the conversation - questions are welcome too.