Allen & Allen Inc.: Credit Repair for Top Scores

About Allen & Allen, Inc.

Allen & Allen, Inc., established in 1984 and based in Pennsylvania, has a long-standing presence in the credit repair industry. As a certified member of the National Association of Credit Services Organizations (NACSO), the company benefits from enhanced credibility and adherence to industry standards.

Allen & Allen, Inc. employs a comprehensive approach to credit repair. They engage with all three major credit bureaus—Equifax, Experian, and TransUnion—to challenge and rectify negative or inaccurate information on clients' credit reports. This collaborative method helps ensure that disputes are addressed thoroughly across all major credit reporting agencies.

Clients can stay informed about their credit repair process through their online client portal. This platform offers real-time updates and allows clients to track the progress of their credit restoration efforts, providing transparency and ease of access.

The company's credit repair services cover a broad range of issues that may negatively impact credit scores. These include, but are not limited to, bankruptcy, charge-offs, debt buyer collections, evictions, foreclosures, inquiries, judgments, late payments, repossessions, and student loans. By focusing on these areas, the company aims to correct inaccuracies and enhance clients' overall credit health, striving to improve their financial standing.

Services & Features

Credit report analysis: Specialists thoroughly review your credit reports to identify any inaccuracies or negative items affecting your scores. This analysis helps pinpoint specific issues that need to be addressed.

Dispute initiation: Disputes regarding inaccurate or erroneous information on your credit reports are prepared and submitted on behalf of clients. The process ensures that each challenge is appropriately documented and sent to the relevant credit bureaus.

Customized dispute documentation: Depending on the selected plan, necessary dispute letters are prepared and sent to credit bureaus to challenge inaccurate report entries on your credit.

Credit education and guidance: Information and strategies are provided to help you understand how credit works and how to potentially improve your scores. The goal is to equip clients with knowledge for better credit management.

Allen & Allen, Inc. Plans & Prices

Allen & Allen, Inc. does not advertise or mention any plans or prices on their website for their credit repair services, so you will have to contact their team to get your consultation and find out how much they will cost you. 

However, their terms and conditions state that prices start at $85 and increase based on the chosen plan.

We recommend you ask them all the necessary questions before signing any paper; think of things like hidden fees, upfront payments, or cancellation feeds. 

Advantages

• Special discounts: Discounts are offered for active military personnel and veterans, helping to reduce the cost of credit repair services for those who have served. This allows these individuals to improve their credit while benefiting from reduced fees
• Nationwide service availability: The company's services are accessible throughout the United States, ensuring that clients can receive support regardless of location. This widespread availability helps ensure that assistance is provided to those who need it, no matter where they reside
• Credit repair support: The company offers comprehensive credit repair support to address various negative entries on credit reports. This includes handling issues such as bankruptcy, charge-offs, and collections
• Cancellation policy: You can cancel their transactions without penalty or obligation within three business days of receiving the contract. If the cancellation is made within the specified time frame, any payments made will be refunded within 15 days following receipt of the cancellation notice
• Complimentary consultation: The company offers a complimentary consultation, allowing potential clients to discuss their credit repair needs and receive initial advice without cost. You can access a free 7-day trial of their credit report and scores for just $1, allowing you to review your credit status before committing to services

Potential Drawbacks

Lack of transparency
One drawback is the limited transparency regarding specific processes and methodologies used for credit repair. Clients may find it challenging to obtain detailed insights into the steps to address and resolve credit issues. They also do not share a lot of information about their specific services, plans, and whether they offer an app. This lack of clear information can make it difficult for clients to fully understand the actions being performed on their behalf and how these actions impact their credit repair progress.

Lacks BBB accreditation
Another potential drawback is the absence of Better Business Bureau accreditation (BBB). Without BBB accreditation, there may be fewer assurances regarding the company's adherence to established customer service and business practices standards. This lack of certification could concern clients seeking higher credibility and formal recognition for service quality.

Customer Reviews

While they have been in business for many years, this provider has no customer reviews on trusted websites like Trustpilot of the Better Business Bureau. They only have an A+ rating on their BBB business profile and no accreditation.

You must read as much about them online as possible before you make your decision. Contact current or previous customers to learn more about their services and reputation. Once you contact their sales team and read your agreement's fine print, we recommend asking the company all the necessary questions. 

Customer Support

You can reach their team by phone and email at (855) 217-3732 or [email protected]. You can also submit a ticket using the form on their website.

Final Thoughts

Allen & Allen, Inc. offers various credit repair services to address negative credit report entries. With a long-standing presence in the industry since 1984 and certification from the National Association of Credit Services Organizations (NACSO), the company has established a foundation of credibility. Their services include detailed credit report analysis, dispute initiation, customized documentation, and credit education.

The company offers notable advantages, such as special discounts for military personnel and veterans, nationwide service availability, and a flexible cancellation policy. They also provide a complimentary consultation and a low-cost trial for credit reports and scores, which can help prospective clients assess their options.

However, potential clients should be aware of some drawbacks. The company lacks transparency regarding their credit repair processes and does not hold Better Business Bureau (BBB) accreditation, which may concern those seeking more detailed insights and formal credibility. Additionally, the absence of customer reviews on trusted platforms could make it challenging to gauge the experiences of others.

This provider presents various services and benefits; prospective clients must thoroughly research and seek more information before deciding. Engaging with the company and reviewing all agreement details will help ensure an informed choice. You can read our credit repair company reviews to learn more about different providers in the industry and find the best match for your needs. Our blog posts offer in-depth details about credit repair and how it is done. Using our comparison tool can help you narrow down your options. 

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