Credit Assistance Network: Credit Improvement & Repair

About Credit Assistance Network

Founded in 2004, this credit improvement company has been committed to helping clients nationwide address and resolve their credit-related issues. With a team of experienced financial, credit, and debt experts, they aim to provide realistic and legal solutions for virtually any credit problem, focusing on improving clients' economic well-being. Their approach has evolved over the years, continually refining techniques to offer the highest level of service.

The company offers a range of credit improvement services designed to address different levels of client needs. Their plans include the Money Management Plan, Prosperity Package, and Success Package, each providing varying support and resources. 

They follow a structured process to assess each client's situation, develop a customized plan, offer unlimited dispute letters, and work on improving their credit scores while ensuring compliance with federal and state regulations. This includes adhering to laws such as the Fair Credit Reporting Act (FCRA), the Fair Debt Collection Practices Act (FDCPA), and the Credit Repair Organizations Act (CROA).

Their services are intended to assist clients with removing inaccuracies from credit reports, advising on debt management, and providing guidance on maintaining good credit health. They emphasize legal and ethical practices, setting them apart from many other providers in the industry.

It is important to note that the operational specifics of Credit Assistance Network are not entirely clear. It’s unclear whether the company delivers their services independently or through collaborations with other providers. Also, CAN doesn’t have a Better Business Bureau (BBB) page, which may limit the ability to review customer feedback or confirm their business practices. Additionally, the company is no longer listed as a National Association of Credit Services Organizations (NACSO) member, which could imply potential changes in their industry affiliations or practices.

The privacy policy of Credit Assistance Network references two other companies (CreditAgenda.com and The Business Credit Pros Corporation), but the precise nature of their relationships with Credit Assistance Network remains uncertain.

The information we have gathered can help you better understand who they are. However,  these ambiguities make it advisable to carefully research and verify CAN credentials, operational methods, and any associated entities before engaging with their services. Contact them and ask them all the necessary questions. 

What Features Do They Provide?

CAN offers valuable services with their membership at no extra cost, and such services include the following:

Personalized support: You are assigned a designated credit advisor who offers tailored guidance throughout the credit repair process. Personalized support ensures advice and strategies are specifically suited to your unique credit situation, enhancing the likelihood of success.

ID theft restoration and insurance: This provider offers comprehensive identity theft restoration services and insurance coverage, helping to resolve identity theft issues efficiently and effectively and providing peace of mind and protection.

Cease-and-desist letters to collection agencies: They send cease-and-desist letters to collection agencies on your behalf to help stop harassing calls and communications from debt collectors, ensuring you have relief from unwanted contact.

24/7 access to the client portal: You can access your account and track your credit repair progress anytime through a secure and user-friendly online client portal, allowing transparency and real-time updates.

Debt validation letters to creditors: Debt validation letters are sent to creditors to require proof of a debt's validity. They ensure the accuracy of the debts listed on your credit report and protect you from errors.

Goodwill letters to creditors: Goodwill letters are sent to creditors on your behalf, requesting the removal of negative items from credit reports due to past timely payments, which can help improve your credit score.

Monthly plan with unlimited and customized disputed letters: You can benefit from a monthly plan that includes sending unlimited disputed letters to credit bureaus and providing continuous efforts to remove inaccuracies from your credit report. Their dispute letters are tailored to each inaccurate or harmful item on your credit report, increasing the chances of successful removal or correction.

Credit report analysis: A thorough examination of your credit report is conducted to identify inaccuracies or negative items affecting your credit score, pinpointing exact issues that need to be disputed or corrected.
Financial education resources: You can gain access to various financial education resources to help you better understand credit management and make informed financial decisions.

Regular progress updates: You’ll receive regular updates on the status of your credit repair efforts, ensuring you are always informed about your case progress and any changes to your credit report.

Compliance with federal and state regulations: They state that All their credit repair activities adhere to federal and state laws, including the Fair Credit Reporting Act (FCRA), the Fair Debt Collection Practices Act (FDCPA), and the Credit Repair Organizations Act (CROA), ensuring that services are conducted within legal guidelines.

Plans & Pricing

CAN offers three subscription plans for their credit improvement services:

Money Management: $49/month

This plan will provide you with the following:

• Transunion credit score
• Transunion credit monitoring
• Full credit report
• ID covers identity protection
• DarkWeb Monitoring
• Change of address monitoring
• Pay-day monitoring
• Social network monitoring
• Bill reminders
• Budgeting system
• Real-time account sync

Prosperity Package: $119/month

The Prosperity Package plan includes everything in the previous plan, in addition to the following services:

• Three-bureau credit restoration
• Snowball and avalanche debt systems
• TCP legal network
• Debt validation letters to creditors
• Slash RX Pharmacy discount

Success Package: $149/month
The Success Package includes everything offered in the previous plans, plus:

• A guaranteed $1500 line of credit for the HuttonChase Department Store
• Reporting to Experian & Transunion

Advantages

• Discounts: Customers have reported that the company provides various discounts, making their services more accessible. This can be particularly beneficial for individuals and families looking to improve their credit without incurring high costs. Discounts can ease the financial burden of credit repair services, making it a more viable option for those on a tight budget
• Guarantee: The company offers a comprehensive warranty to their clients, ensuring several key commitments. This includes safeguarding all private information, which is crucial for clients concerned about their financial data security. They also commit to not over-promising specific outcomes, which helps set realistic expectations and build client trust. Additionally, canceling services at any time without penalty provides clients with flexibility and control over their financial decisions
• Nationwide service: Operating nationwide, the company is accessible to clients regardless of their location within the United States. This widespread availability means more people can benefit from their services, irrespective of where they reside. Nationwide service ensures that the company's expertise and support are not limited to a specific geographic area, allowing for consistent service delivery across the country
• Free consultation: Free consultation allows potential clients to understand what to expect from the credit repair process without any initial financial commitment. This service will enable clients to discuss their credit issues with a professional, receive personalized advice, and decide if the service fits their needs. A free consultation can be a critical first step in the credit repair journey, helping clients feel informed and confident in their decision to proceed

Potential Drawbacks

Lack of profile on the BBB
Credit Assistance Network (CAN) does not have a profile on the Better Business Bureau (BBB), which may raise concerns for potential clients. The BBB provides a platform for businesses to demonstrate their commitment to customer satisfaction and transparency. 

Without a BBB profile, prospective customers have limited access to an independent assessment of CAN's business practices and customer feedback. This absence might make it more challenging for individuals to evaluate the company's reputation and reliability based on a well-established third-party standard.

Limited and outdated information
Another potential drawback of Credit Assistance Network is the limited and potentially outdated information available about their services on their website. Prospective clients may find that detailed, current information about CAN’s offerings, processes, and success rates is not readily accessible. 

This lack of up-to-date information can hinder individuals from making informed decisions about company engagement. Additionally, outdated details may not reflect recent changes in their service model or any new developments, impacting the company's services' overall transparency and perceived reliability.

What Are Customers Saying About Them?

Although they have many years of service, there aren't many customer reviews about them online on trusted platforms. They do not have a Better Business Bureau (BBB) profile or Trustpilot. However, we found some customer reviews about them to give us a picture of the company's services and reputation.

Positive reviews

Many customers praised the provider for its effective credit repair services, noting significant improvements in their credit scores. One customer shared that their score improved from 500 to approximately 700 within four months, appreciating the notifications of changes via their credit watch service. Another customer was grateful for the company's assistance in removing several derogatory items from their credit report, which had previously caused issues. Many mentioned the helpful and knowledgeable staff, who provided clear guidance and quick responses to inquiries.

Customers frequently highlighted the online portal's ease of use, allowing them to track their progress and stay informed about their status. Attentive customer service was a common theme, with many noting the availability of live representatives and quick email replies. One customer appreciated the company’s honesty when they recommended a real estate attorney instead of their services for a specific issue, demonstrating a focus on providing genuine help rather than just selling their services.

Negative reviews

Despite the positive experiences, some customers reported dissatisfaction with CAN. One reviewer expressed frustration after spending over a year with the company, only to see minimal improvements in their credit score. They felt the monthly fees were unjustified given the lack of significant progress.

Another customer was particularly unhappy with the communication issues and the unauthorized charges they encountered. They mentioned that after paying a substantial amount for the services, the company still seemed unfamiliar with their case, leading to feelings of neglect and frustration. This customer also noted that the company's representatives were persuasive during the sign-up process but failed to deliver the promised results.

A few reviewers mentioned that while some items were deleted from their credit reports, it was not enough to achieve the desired improvements in their credit scores. One customer highlighted that despite paying the monthly fee, their score remained relatively unchanged over the service period, leading to disappointment and the decision to discontinue the service.

Customer Support

You can call their team at 1-888-557-0487 or [email protected]. You can also schedule an appointment online through their website to get a free credit analysis.

Final Thoughts

Credit Assistance Network (CAN) offers various credit improvement services to address multiple credit issues and help clients enhance their financial standing. 

By focusing on legal and ethical practices, CAN provides personalized support, restoration of identity theft, and comprehensive credit repair strategies, including dispute management and financial education resources. Their subscription plans cater to different needs and budgets, offering features such as credit monitoring, debt validation, and financial tools.

However, potential clients should be cautious of the company's limited visibility on platforms like the Better Business Bureau (BBB) and the outdated information available on their website. These factors might affect the transparency and trustworthiness of their services. 

To ensure the best fit for your credit improvement needs, it's advisable to thoroughly research CAN, verify their credentials, and contact them directly with any questions. This due diligence will help you decide whether their services align with your financial goals and expectations.

If you are still looking for credit repair and improvement providers, explore all available options through our reviews and carefully evaluate each provider's offerings, reputation, and customer feedback. Comparing multiple services through our unique comparison tool will ensure you find the best fit for your unique credit needs and financial goals. For a closer look at the industry in general, visit our blog post on credit repair, where we discuss various providers, trends, and tips to help you make well-informed decisions.

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