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Debt relief & credit repair

Upgrade debt relief & credit repair complaints

Consumers have filed 14 complaints about Upgrade's debt relief & credit repair, 2 in the last 12 months. Upgrade answered 100% on time and closed 0% with relief. See the whole Upgrade record.

Upgrade against other debt relief & credit repair companies

#Company12 monthsChangeOn timeReliefAll time
1Experian351+4%100%10%1,702
2Equifax256+30%100%32%1,123
3TransUnion249+26%100%58%1,115
4Consumer Financial Services Solutions224+104%68.8%0%403
5National Debt Relief180+50%98.9%0%350
6Encore Capital (Midland Credit)146+19%100%23%384
7Freedom Financial Network96+28%100%27%492
8Resurgent Capital Services93+31%100%21%221
9The J. G. Wentworth91+98%100%0%157
10Capital One86+7%100%16%376
11Kikoff72+11%100%0%208
12Americor Funding54+54%100%0%154
13Upgrade2new100%0%14

Every debt relief company ranked

Latest Upgrade debt relief & credit repair complaints

ReceivedAboutIssueStateAnswerOn time
Aug 4, 2026Debt relief & credit repairUnauthorized withdrawals or chargesILExplainedYes
Apr 24, 2026Debt relief & credit repairUnauthorized withdrawals or chargesNJExplainedYes
Sep 7, 2025Debt relief & credit repairDidn't provide services promisedNYExplainedYes
Aug 15, 2025Debt relief & credit repairConfusing or misleading advertising or marketingTXExplainedYes
Feb 20, 2025Debt relief & credit repairDidn't provide services promisedCTExplainedYes
Sep 18, 2024Debt relief & credit repairProblem with customer serviceMNExplainedYes
Nov 23, 2022Debt relief & credit repairFraud or scamMNExplainedYes
Nov 9, 2022Debt relief & credit repairUnexpected or other feesNVExplainedYes
Jun 2, 2022Debt relief & credit repairProblem with customer serviceOHExplainedYes
Feb 10, 2022Debt relief & credit repairFraud or scamNJExplainedYes
Jul 27, 2021Debt relief & credit repairProblem with customer serviceWAMoney backYes
Jun 21, 2021Debt relief & credit repairFraud or scamNJExplainedYes
Jun 21, 2021Debt relief & credit repairFraud or scamTNExplainedYes
May 4, 2021Debt relief & credit repairProblem with customer serviceUTMoney backYes

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.

Scam warning: Walk away from anyone who wants money up front, tells you to stop contacting your creditors, or promises a "new credit identity".

General information, not legal advice; rules vary by state. Plain-English guides

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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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