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The Credit RecordAn independent record of credit repair and debt settlement companies
The Credit Record

Know who you're trusting with your credit — before you pay anyone

Charging a fee before a promised result is delivered is flatly illegal under federal law. We independently check real companies against that law and a published standard, and report the findings honestly — no paid rankings.

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Check a companyFind a companySee which specific credit repair and debt settlement companies we checked, what we could verify, and the date.Learn firstGet credit helpPlain-English guides to your rights, the advance-fee rule, and warning signs before you sign.
Records checked
80
Full reviews completed
4
Last updated
October 9, 2026

Records checked: every company whose public records we have started checking against the published standard, even where some points could not be confirmed. Full review completed: every applicable point was checked and ended as pass, fail or not applicable, with none left unknown and none on hold.

Record snapshot

  • credit repair30
  • debt settlement29
  • nonprofit credit counseling8
  • debt consolidation loan7
  • credit-builder product6

4 full reviews completed · 1 on the public list · updated October 9, 2026

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What you can check
Credit repair, debt settlement & credit-builder products
No paid placements
0 commercial relationships, by policy
Re-checked
Every 6–12 months, on schedule
credit repair 30debt settlement 29nonprofit credit counseling 8debt consolidation loan 7credit-builder product 6

Recently checked

The full Register →

The most recently checked companies named on the public list — each shown with the points confirmed and any still open.

Holdcredit-builder product

Capital One Platinum Secured Credit Card

Review incomplete — 5 of 6 applicable points confirmed, 1 unresolved as of 24 September 2026.

Hold: The card's current variable purchase APR has not yet been confirmed against Capital One's own rate disclosure since the U.S. Prime Rate moved from 6.75% to 7.00% on 17 September 2026. The disclosure practice itself (a stated variable rate) is not in question; the exact current figure is.

Capital One states it periodically and automatically reviews secured accounts for upgrade eligibility to an unsecured card (commonly discussed across sources as around 6 months of on-time payments and low utilization, though Capital One does not commit in writing to a fixed date), and independently confirms the deposit is returned upon upgrade.

Confirmed: Bureau Reporting, Fee Transparency, Deposit Refundability, No Guaranteed Score Claims, Graduation Path.

Unresolved: APR Interest Disclosure (HOLD).

Next check 24 March 2027

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How the Record works

See the full standard →

  • We publish the standard first

    A checkable set of points, tied to specific federal and state law — not a subjective "quality" score.

  • We check the company, not the marketing

    Every point is checked against a public record — a court filing, a state registry, the company's own contract — never a company's own claim about itself.

  • We show what was confirmed — and what wasn't

    Every company on the public list is shown with the points confirmed and any still open. A company is described as fully verified only when every applicable point was resolved; anything less is labeled "Review incomplete" or HOLD.

  • We re-check on a schedule

    Every listed company is re-verified every 6–12 months, whether or not anything changed — see our methodology.

We take no payment from any company we check, and no payment ever influences a verdict — see our editorial policy for exactly what that means and what would change if it ever does.

Start here

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New to credit repair

What credit repair actually is

Disputing inaccurate items yourself is free and legal. Paying someone to do it is common, and legal too — as long as it follows one rule almost every company breaks.

Read the guide →

Most asked

Can they charge me before results?

No — not lawfully, and not as a matter of interpretation. The rule and the exact fee structures that violate it, explained.

Read the rule →

Before you sign

Warning signs to watch for

Ten specific things a legitimate credit repair or debt settlement company will never do.

Read the checklist →

Recently updated

All updates →

October 9, 2026

2 new Library pages: payday alternative loans and the card statement minimum payment warning

Guides to the NCUA rule for credit union payday alternative loans (PALs I and II) and to the minimum payment warning and 36-month payoff figures that Regulation Z requires on credit card statements. Neither names a company or recommends an option.

October 8, 2026

Correction: pre-adverse-action notice citation on the permissible purpose page

The page cited 15 U.S.C. 1681m for the employer's pre-adverse-action notice. That notice and the copy of the report are required by 1681b(b)(3)(A); 1681m governs the final adverse-action notice. The page now says so.

October 8, 2026

Correction and update: e-OSCAR and frivolous disputes page

The page quoted a 'contradictory information' limit that comes from statute text Congress replaced in 1996, and used staffing figures and an upgrade claim we could not trace to a source. Those are removed. The page now draws on the CFPB's 2012 report (including its list of 29 dispute codes), the statute, Regulation V and the Third Circuit's Ingram opinion, and adds a table of who may decline a dispute as frivolous.

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