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Debt relief & credit repair

Upstart debt relief & credit repair complaints

Consumers have filed 10 complaints about Upstart's debt relief & credit repair, 3 in the last 12 months. Upstart answered 100% on time and closed 0% with relief. See the whole Upstart record.

Upstart 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
13Upstart3new100%0%10

Every debt relief company ranked

Latest Upstart debt relief & credit repair complaints

ReceivedAboutIssueStateAnswerOn time
Jun 23, 2026Debt relief & credit repairProblem with customer serviceOHExplainedYes
Apr 7, 2026Debt relief & credit repairProblem with customer serviceFLExplainedYes
Jan 15, 2026Debt relief & credit repairConfusing or misleading advertising or marketingFLExplainedYes
Nov 9, 2025Debt relief & credit repairDidn't provide services promisedOHExplainedYes
Jul 28, 2025Debt relief & credit repairProblem with customer serviceALExplainedYes
Aug 1, 2024Debt relief & credit repairUnauthorized withdrawals or chargesCAExplainedYes
May 2, 2024Debt relief & credit repairConfusing or missing disclosuresWAExplainedYes
Nov 9, 2023Debt relief & credit repairDidn't provide services promisedNYExplainedYes
Mar 18, 2023Debt relief & credit repairConfusing or missing disclosuresVAExplainedYes
Jan 28, 2023Debt relief & credit repairFraud or scamNMExplainedYes

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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