Empowering Consumers. Ensuring Fairness.
WHERE TRANSPARENCY
MEETS TRUSTWORTHINESS
The TRUST SCORE Program provides clarity in a complex marketplace, keeping you informed and protected, helping you shop smarter and safer.
Welcome to Trust Score
We are the leading ratings aggregation program for the consumer financial services industries. We stand out for our commitment to empowering consumers with reliable and unbiased information, enabling them to make confident decisions.
Our reviews are unbiased and unpaid, drawing from real feedback from the clients of the companies being reviewed, as well as several regular, anonymous, 'secret shopper' style interactions. In addition, we conduct thorough research into each company's compliance with laws and regulations, legal standing, ethical excellence, and other relevant factors, ensuring that our assessments are comprehensive and reliable.
With TrustScore, you can trust that your choices are backed by thorough research and transparent evaluation.
2024 Company Reviews
Trust Scores are out of 100 points
Rocket Financial Services, Dallas, Texas
Rocket Financial Services stands out not just for its exceptional results but also for its ethical approach and comprehensive service offerings. Rocket Financial Services ranked highest among the 100+ companies we reviewed that assist consumers in improving their credit score.
Next Step Credit Repair, Virginia Beach, Virginia
Next Step Credit Repair offers robust credit repair services characterized by high levels of client satisfaction and effective communication.
The Financial ER, Rancho Mirage, California
The Financial ER offers robust credit repair services with a strong emphasis on customer education and communication. However, improvements in transparency regarding the nature of client interactions post-signup and more consistent delivery of expected results could enhance client trust and satisfaction.
Deluxe Credit Solutions, Great Neck, New York
Deluxe Credit Solutions offers a potent and effective service for those seeking to repair and manage their credit.
Whatcom Credit Restoration, Bellingham, Washington
Whatcom Credit Restoration offers an exemplary model of how credit repair services can effectively be integrated with broader financial education and management.
The Credit Brothers, Wilbraham, Massachusetts.
The Credit Brothers have crafted a niche within the credit repair industry by focusing on educational digital products. While this approach aligns with a growing trend towards financial self-education, the effectiveness and transparency of their offerings could be enhanced to better meet consumer expectations
Apex Credit Fix, Jersey City, New Jersey
Apex Credit Fix demonstrates potential and capability in helping clients improve their credit scores effectively. However, the company would benefit significantly from addressing the issues related to pricing transparency and communication about service timelines.
James Warren Group, San Antonio, Texas
The James Warren Group demonstrates strong potential in credit repair effectiveness as indicated by high client review scores. However, the company must address significant issues regarding compliance with credit repair laws, transparency in customer reviews, and clarity in service promises and pricing.
Credit Allegiant, Phoenix, Arizona
Credit Allegiant, a credit repair service with ambiguous location details and ownership, presents a complex case for review. Credit Allegiant’s current business model and operational practices exhibit both potential and significant areas for improvement.
Elevated Credit Score, Rancho Cucamonga, California
While Elevated Credit Score attempts to position itself as an educational leader in the credit repair industry, the effectiveness of its educational offerings and the integrity of its operations under scrutiny do not consistently meet the standards expected by consumers.
MSI Credit Solitions, Dallas, Texas
MSI Credit Solutions offers effective communication and satisfactory credit repair services that some clients find valuable. However, the company's vague and potentially arbitrary pricing model poses significant concerns.
Credit Saint, Oakland, New Jersey
While Credit Saint offers effective credit repair services that many clients find valuable, the company's communication and billing practices need significant improvement.
Credit Strike, Orlando, Florida
Credit Strike offers competent credit repair services that many clients find beneficial and cost-effective. However, the company's integrated nature within a larger corporate entity calls for greater transparency about the autonomy and specific operations of Credit Strike itself.
United Settlement, New York, New York
United Settlement is an accredited debt relief service operating out of New York. They are the highest rated "Debt Relief" company we have reviewed.
CreditVersio DIY Credit Repair Software
Credit Versio DIY Credit Repair Software is highly recommended for individuals seeking an effective and autonomous approach to credit repair. Its innovative use of data to enhance dispute outcomes sets it apart in the market.
Jenn Financial Solutions, Lemon Grove, California
Jenn Financial Solutions offers valuable credit repair services with a particular emphasis on serving the Vietnamese community in California. While the company enjoys strong community support and relatively high satisfaction rates, enhancing the professionalism of its online presence would likely broaden its appeal and improve overall client perception.
King Credit Services, San Diego, California
King Credit Services offers a range of credit repair services that some clients find beneficial, but the company faces significant challenges in terms of marketing accuracy, communication, and overall client satisfaction.
Y2K Credit Solutions, Garden City, New York
Y2K Credit Solutions has the potential to offer valuable services but currently falls short in crucial areas that affect client satisfaction and trust.
210 Financial Group, San Antonio, Texas
210 Financial Group demonstrates potential in client engagement as indicated by the initial customer reviews; however, significant issues such as compliance with state regulations and effective client communication need addressing.
Kingdom Credit Solutions, Saint Cloud, Florida
Given the various concerns surrounding Kingdom Credit Solutions, including its legal standing, website functionality, and focus on client acquisition over service quality, the Consumer Advocacy Association advises potential clients to exercise caution.
Dispute Panda Software, Rehoboth Beach, Delaware
While Dispute Panda presents a novel approach to automating the dispute letter process for credit repair, its execution and marketing practices fall short of providing clear, effective, and ethically marketed services.
Dispute Beast DIY Software
Dispute Beast DIY Software, by replicating the model and issues of Dispute Panda, presents significant challenges for consumers seeking to repair their credit independently.
Dilligent Financial Group, Newport Beach California
Diligent Financial Group currently falls short in several critical areas of our consumer protection criteria. The company's approach to marketing and client communication significantly undermines its credibility and effectiveness.
Limitless Culture, Whitsett, North Carolina
Limitless Culture, as it currently operates, presents several challenges that might overshadow the potential benefits of its credit repair services. Prospective clients are advised to exercise caution and consider more transparent and client-focused credit repair options.
Prodigy Software, Pensacola, Florida
Prodigy Surge’s current standing in the credit repair market is marred by serious concerns about its software's effectiveness, ethical marketing practices, and the professional conduct of its owner.
The Credit Mortician, Bowling Green, Kentucky
Given the history of ethical issues, poor client outcomes, and the ultimate closure of The Credit Mortician, the Consumer Advocacy Association strongly advises consumers to exercise caution and seek services from more reliable and ethically sound credit repair agencies.
Lexington Law
Despite its efforts to reform, Lexington Law currently does not meet the standards expected by consumers for effective and trustworthy credit repair services.
United Funding Logistics, Houston, Texas
United Funding Logistics, as it currently operates under the leadership of Brian Wilson, is not recommended by the Consumer Advocacy Association.
Circline, LLC (aka Keezy Rose), Albany, New York
Due to the myriad issues surrounding Circline, LLC and the deceptive practices of its owner, Keezy Rose, the Consumer Advocacy Association strongly advises consumers to exercise caution and consider alternative options for credit repair services.
Vance "The Credit Doctor", Oklahoma City, Oklahoma
Vance the Credit Doctor is strongly advised against by the Consumer Advocacy Association for anyone seeking to improve their credit in a constructive, ethical, and effective manner. The practices employed by Vance Dotson are controversial and risk not only legal repercussions but also further damage to clients' credit and legal standing.
Texas Capital Building Complex
Austin, Texas, 78711