We use cookies to give users the best content and online experience. By clicking “Accept All Cookies”, you agree to allow us to use all cookies. Visit our Privacy Policy to learn more.

Manage Cookies
Resources for Businesses My BBB
Share
Business Profile

Credit Repair Services

Credit Sage

This business is NOT BBB Accredited.

Find BBB Accredited Businesses in Credit Repair Services.

Complaints

Customer Complaints Summary

  • 229 total complaints in the last 3 years.
  • 90 complaints closed in the last 12 months.

If you've experienced an issue

Submit a Complaint

The complaint text that is displayed might not represent all complaints filed with BBB. Some consumers may elect to not publish the details of their complaints, some complaints may not meet BBB's standards for publication, or BBB may display a portion of complaints when a high volume is received for a particular business.

Sort by

Complaint status

Complaint type

  • Initial Complaint

    Date:12/12/2024

    Type:Billing Issues
    Status:
    Answered
    Resolved:
    The complainant verified the issue was resolved to their satisfaction.
    Unresolved:
    The business responded to the dispute but failed to make a good faith effort to resolve it.
    Answered:
    The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
    Unanswered:
    The business failed to respond to the dispute.
    Unpursuable:
    BBB is unable to locate the business.
    Called a number to pay off a debt and this company fraud/scam you into buying their program. Promising you they will delete the debt.

    Business Response

    Date: 12/17/2024

    We are happy to investigate this case. We request consumer attach a copy of their contract with our business so we may appropriately respond. Our consumers always receive their contracts via email, which includes an electronic signature.
    This process helps us to identify and address any issues efficiently and is a vital part of our security measures. It would be a PDF document sent to their email, containing an electronic signature.
    Thank you

    Customer Answer

    Date: 12/20/2024

    Better Business Bureau:




    I have reviewed the response made by the business in reference to my complaint and have determined that this does not resolve my  issue.  For your reference, details of the offer I reviewed appear below.


    **In order for the bureau to continue to assist you, you MUST provide your view on the matter or your complaint will be closed as answered.









    Regards,


    Complaint ID: 22677319


     



     


     

  • Initial Complaint

    Date:12/11/2024

    Type:Billing Issues
    Status:
    Resolved
    Resolved:
    The complainant verified the issue was resolved to their satisfaction.
    Unresolved:
    The business responded to the dispute but failed to make a good faith effort to resolve it.
    Answered:
    The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
    Unanswered:
    The business failed to respond to the dispute.
    Unpursuable:
    BBB is unable to locate the business.
    This company had 3rd party credit collecton companies charge my credit card without telling me that this was going to happen. This company gave out my banking information without permission. When I confronted them about it, they canceled my contract and refused to refund me any money. I asked for a refund and they said no.
    I asked them to show me where in the contract does it states that a 3rd party vendor is allowed to have my banking info, he couldn't provide it.

    Business Response

    Date: 12/12/2024

    We are happy to investigate this case. We request consumer attach a copy of their contract with our business so we may appropriately respond. Our consumers always receive their contracts via email, which includes an electronic signature.
    This process helps us to identify and address any issues efficiently and is a vital part of our security measures. It would be a PDF document sent to their email, containing an electronic signature.
    Thank you

    Customer Answer

    Date: 12/18/2024

    Better Business Bureau:


    I have reviewed the response made by the business in reference to my complaint and find that this resolution is satisfactory to me. 





    Regards,



    Complaint ID: 22673750




     

     


     

  • Initial Complaint

    Date:12/10/2024

    Type:Product Issues
    Status:
    Answered
    Resolved:
    The complainant verified the issue was resolved to their satisfaction.
    Unresolved:
    The business responded to the dispute but failed to make a good faith effort to resolve it.
    Answered:
    The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
    Unanswered:
    The business failed to respond to the dispute.
    Unpursuable:
    BBB is unable to locate the business.
    I want refunded
    $379 for a consolidated debt that was NOT consolidated.
    $99 monthly fee

    Business Response

    Date: 12/11/2024

    We are happy to investigate this case. We request consumer attach a copy of their contract with our business so we may appropriately respond. Our consumers always receive their contracts via email, which includes an electronic signature.
    This process helps us to identify and address any issues efficiently and is a vital part of our security measures. It would be a PDF document sent to their email, containing an electronic signature.
    Thank you

    Customer Answer

    Date: 12/12/2024

    Better Business Bureau:


    I have reviewed the response made by the business in reference to my complaint and have determined that this does not resolve my  issue.  For your reference, details of the offer I reviewed appear below.
    **In order for the bureau to continue to assist you, you MUST provide your view on the matter or your complaint will be closed as answered.
    I have already provided them with the requested document. They provided no services with the $378 taken to consolidate a debt. Said debt has not been consolidated, therefore, this was a fraudulent action from this company. I would like a refund of $378 at the least. Sincerely,


    Regards,
    Complaint ID: 22667227
     



     

    Business Response

    Date: 12/20/2024

    We are committed to continue investigating this case. To ensure legitimacy of the complaint, we require the consumer to upload the relevant contract as PDF. Our consumers always receive their contracts via email, which includes an electronic signature.
    This process helps us to identify and address any issues efficiently and is a vital part of our security measures. It would be a PDF document sent to their email, containing an electronic signature.
    Thank you

  • Initial Complaint

    Date:11/17/2024

    Type:Product Issues
    Status:
    Answered
    Resolved:
    The complainant verified the issue was resolved to their satisfaction.
    Unresolved:
    The business responded to the dispute but failed to make a good faith effort to resolve it.
    Answered:
    The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
    Unanswered:
    The business failed to respond to the dispute.
    Unpursuable:
    BBB is unable to locate the business.
    I called Credit Sage looking to have collections accounts on my credit report disputed along with removing hard inquiries. I have been since charged $99 a month for letters to be sent out multiple times and $264 to remove inquiries. All while no updates were provided and questions are going unanswered. They are only out for money and I haven't received any confirmation from companies that the letters have been received.

    Business Response

    Date: 11/18/2024

    We are happy to investigate this case. We request consumer attach a copy of their contract with our business so we may appropriately respond. Our consumers always receive their contracts via email, which includes an electronic signature.
    This process helps us to identify and address any issues efficiently and is a vital part of our security measures. It would be a PDF document sent to their email, containing an electronic signature.
    Thank you

  • Initial Complaint

    Date:11/14/2024

    Type:Billing Issues
    Status:
    Answered
    Resolved:
    The complainant verified the issue was resolved to their satisfaction.
    Unresolved:
    The business responded to the dispute but failed to make a good faith effort to resolve it.
    Answered:
    The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
    Unanswered:
    The business failed to respond to the dispute.
    Unpursuable:
    BBB is unable to locate the business.
    This company promised to fix my credit in 30 to 90 days of service. They promised that I would see a score of 100 points or more within those 90 days. I paid them over $500 and was with them for a little under 90 days and not one credit point increase on my credit was from that company. There are several hundreds of people with reviews of the same issue and I would like my money back. If you pay someone with the promise of results within a time frame then that needs to happen. I’m sure all their calls are recorded and need to be looked into. They should not promise a person then do nothing but charge you every month. It’s time the better business bureau does something to investigate this company. They also have a false contract which states you can cancel anytime via phone or email but then in small print at the end of the contract they state you must cancel within 3 days which is misleading.

    Business Response

    Date: 11/14/2024

    Consumer contracted our business to draft and send disputes regarding incorrect information about a debt collection account. We provided service as agreed. As consumer was made aware on the call, in the signup flow, our website, and the contract, we cannot and will not make promises or guarantees as to outcomes as we have no control over the result of the disputes we send. Consumer's account with us has been cancelled and they will no longer be billed.

    Customer Answer

    Date: 11/18/2024

    Better Business Bureau:


    I have reviewed the response made by the business in reference to my complaint and have determined that this does not resolve my  issue.  For your reference, details of the offer I reviewed appear below.
    **In order for the bureau to continue to assist you, you MUST provide your view on the matter or your complaint will be closed as answered.After speaking with (3) major credit bureau’s, I was informed that “ no disputes “ regarding Paramount Recovery nor my Bankruptcy had been filed. Both of which were our “ main “ concern as credit sage put it. They did in fact promise results where both cases would be removed from my credit. Maybe it was an improperly trained employee that made these claims to have my credit fixed, either way this company had had many BBB claims filed on them for the same reasons.




    Regards,
    Complaint ID: 22554993
     



     

  • Initial Complaint

    Date:11/11/2024

    Type:Product Issues
    Status:
    Answered
    Resolved:
    The complainant verified the issue was resolved to their satisfaction.
    Unresolved:
    The business responded to the dispute but failed to make a good faith effort to resolve it.
    Answered:
    The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
    Unanswered:
    The business failed to respond to the dispute.
    Unpursuable:
    BBB is unable to locate the business.
    On October 10 this company charged me $378 for a debt cancellation with the department of treasury that has NOT been cancelled and for a debt with coned for an electric bill to a place that I never was able to move into. I paid the coned bill directly.
    The department of treasury continues to collect the debt that credit sage said they had consolidated to $350 to pay immediately (October 10, 2024). Now , I continue to pay the debt and now pay $100 to people that are just scamming other people.

    Business Response

    Date: 11/12/2024

    We are happy to investigate this case. We request consumer attach a copy of their contract with our business so we may appropriately respond. Our consumers always receive their contracts via email, which includes an electronic signature.
    This process helps us to identify and address any issues efficiently and is a vital part of our security measures. It would be a PDF document sent to their email, containing an electronic signature.
    Thank you

    Customer Answer

    Date: 11/14/2024

    Better Business Bureau:




    I have reviewed the response made by the business in reference to my complaint and have determined that this does not resolve my  issue.  For your reference, details of the offer I reviewed appear below.

     

    I am providing the contract given to me by this company  I never received a requested receipt for the $378 (I also would like to know what really was done with such a large amount of money), this money, I was told, was to consolidate debt to department of treasury which as shown in previous documents sent, nothing changed in terms of this debt. 

    I would like to receive a full refund of the $378 and $99 month of November payment (as shown on bank statement previously presented) for absolutely nothing done.  

    sincerely,

     


    **In order for the bureau to continue to assist you, you MUST provide your view on the matter or your complaint will be closed as answered.
      








    Regards,


    Complaint ID: 22540510


     



     


     

  • Initial Complaint

    Date:11/01/2024

    Type:Billing Issues
    Status:
    Answered
    Resolved:
    The complainant verified the issue was resolved to their satisfaction.
    Unresolved:
    The business responded to the dispute but failed to make a good faith effort to resolve it.
    Answered:
    The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
    Unanswered:
    The business failed to respond to the dispute.
    Unpursuable:
    BBB is unable to locate the business.
    I was call a crediter to get some bills handled an thought I was calling a person form the business but it was credit sage which they told me that they where credit build service so I was like okay an the looked over my credit report told there was some stuff didn't line up so I was like okay. Can you guys help me with that? They said yes and they told me all I would have to do is pay $199 and then I would see results in 45 days I was like okay. Let's do it and then they told me if any additional things I wanted done it would be $99. I wasn't told that it was $99 a month until the stuff was off my credit report

    Business Response

    Date: 11/02/2024

    We are happy to investigate this case. We request consumer attach a copy of their contract with our business so we may appropriately respond. Our consumers always receive their contracts via email, which includes an electronic signature.
    This process helps us to identify and address any issues efficiently and is a vital part of our security measures. It would be a PDF document sent to their email, containing an electronic signature.
    Thank you

    Customer Answer

    Date: 11/06/2024

    Better Business Bureau:




    I have reviewed the response made by the business in reference to my complaint and have determined that this does not resolve my  issue.  For your reference, details of the offer I reviewed appear below.


    **In order for the bureau to continue to assist you, you MUST provide your view on the matter or your complaint will be closed as answered.









    Regards,


    Complaint ID: 22501282


     



     


     

    Business Response

    Date: 11/12/2024

    Consumer contracted our business to draft and send disputes regarding incorrect information about a debt collection account. We provided service as agreed. As consumer was made aware on the call, in the signup flow, our website, and the contract, we cannot and will not make promises or guarantees as to outcomes as we have no control over the result of the disputes we send. Consumer's account with us has been cancelled and they will no longer be billed

  • Initial Complaint

    Date:10/25/2024

    Type:Billing Issues
    Status:
    Answered
    Resolved:
    The complainant verified the issue was resolved to their satisfaction.
    Unresolved:
    The business responded to the dispute but failed to make a good faith effort to resolve it.
    Answered:
    The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
    Unanswered:
    The business failed to respond to the dispute.
    Unpursuable:
    BBB is unable to locate the business.
    I found a collections debt on my credit report and googled the collection agency and got redirected not realizing it to Credit Sage. When the rep answered I told her I noticed a collections debt on my credit and I wanted to pay it off and see if we could get it removed. I was told the issue could be resolved that day for $378 (it was a $500 collections amount and normally they have deals to settle it). She sent over the log in and ran my card and had me sign a bunch of documents over the phone telling me I was just authorizing the payment to remove it from my credit. Upon completion I went through the receipt and saw I was paying $378 for it to be disputed. I didn’t want it disputed I wanted it settled. I called them back and spoke to an account manager and asked for a refund an hour later and was told I wouldn’t be getting one because I paid for the service. I was mislead on the call and it was under false pretenses that I paid this. I tried to dispute the charge and it wouldn’t be disputed. I found on Reddit that they’ve scammed multiple people the same way. I just want my refund. I settled the debt and it’s being removed myself.

    Business Response

    Date: 10/26/2024

    We are happy to investigate this case. We request consumer attach a copy of their contract with our business so we may appropriately respond. Our consumers always receive their contracts via email, which includes an electronic signature.
    This process helps us to identify and address any issues efficiently and is a vital part of our security measures. It would be a PDF document sent to their email, containing an electronic signature.
    Thank you

    Customer Answer

    Date: 10/30/2024

    Better Business Bureau:




    I have reviewed the response made by the business in reference to my complaint and have determined that this does not resolve my  issue.  For your reference, details of the offer I reviewed appear below.


    **In order for the bureau to continue to assist you, you MUST provide your view on the matter or your complaint will be closed as answered.









    Regards,


    Complaint ID: 22476229

     

    Here is a copy of the attached contract that I was rushed into signing in a box for. At the beginning of the call I expressed multiple times a desire to pay for a settlement of the debt NOT to dispute it. When I spoke to the account manager he said he wouldn’t provide a refund as I signed the contract. The full contract I received after the representative rushed through taking literally all of my savings. All I wanted was to pay my debt and remove it from my credit. The representative was aware of this from the beginning. I assume they had some ridiculous quota of people to take money from to meet. The entirety of the first interaction was built on misrepresentation and the “contract” signed is not the agreement that I was under the impression I was entering.



     


     

    Business Response

    Date: 11/06/2024

    We are thankful for the provided electronic signature. We were able to locate customer within our systems. After a thoroughinvestigation, we found out the following: Consumer contracted our business to draft and send disputes regarding incorrect information about a debt collection account. We provided service as agreed. As consumer was made aware on the call, in the signup flow, our website, and the contract, we cannot and will not make promises or guarantees as to outcomes as we have no control over the result of the disputes we send. Consumer's account with us has been cancelled and they will no longer be billed

  • Initial Complaint

    Date:10/24/2024

    Type:Product Issues
    Status:
    Answered
    Resolved:
    The complainant verified the issue was resolved to their satisfaction.
    Unresolved:
    The business responded to the dispute but failed to make a good faith effort to resolve it.
    Answered:
    The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
    Unanswered:
    The business failed to respond to the dispute.
    Unpursuable:
    BBB is unable to locate the business.
    Credit sage took $328.00 without completing any work. Under the Credit Repair Organization Act they are required to complete their promised services before charging any Fees, meaning upfront payments are not allowed. I called October 10, 2024 to find some credit repair help and they promised that they could easily delete all the discrepancies on my credit report, I trusted them and how confident they were about the process so I decided to give them a chance. After getting off the phone I did some research on the company and learned they use unethical practices. I saw on the contract that I may cancel this contract without any penalty or obligation within 3 days of signing. On October 11, 2024 I sent an email stating I would like to cancel my contract and would like the 328.00 refunded. I have yet to receive refund and they still try to take out 24.95 with a company they work with, which is harassment. My credit report has not change since joining them and still remains the same now. No disputes have been made on my behalf for I have check with all 3 credit bureaus.

    Business Response

    Date: 11/05/2024

    We are happy to investigate this case. We request consumer attach a copy of their contract with our business so we may appropriately respond. Our consumers always receive their contracts via email, which includes an electronic signature.
    This process helps us to identify and address any issues efficiently and is a vital part of our security measures. It would be a PDF document sent to their email, containing an electronic signature.
    Thank you

    Customer Answer

    Date: 11/08/2024

    Better Business Bureau:




    I have provided a copy of the electronic signature as requested. I have reviewed the response made by the business in reference to my complaint and have determined that this does not resolve my  issue.  For your reference, details of the offer I reviewed appear below.


    **In order for the bureau to continue to assist you, you MUST provide your view on the matter or your complaint will be closed as answered.









    Regards,


    Complaint ID: 22468574


     



     


     

    Business Response

    Date: 11/11/2024

    We understand consumer's concerns. After a thorough check, we have concluded that consumer successfully used our services and provided us with the necessary documentation for the dispute process as per contract. Consumer contracted our business to draft and send disputes regarding incorrect information about a debt collection account. We provided service as agreed. As consumer was made aware on the call, in the signup flow, our website, and the contract, we cannot and will not make promises or guarantees as to outcomes as we have no control over the result of the disputes we send. Consumer's account with us has been cancelled and they will no longer be billed. 

  • Initial Complaint

    Date:10/08/2024

    Type:Billing Issues
    Status:
    Resolved
    Resolved:
    The complainant verified the issue was resolved to their satisfaction.
    Unresolved:
    The business responded to the dispute but failed to make a good faith effort to resolve it.
    Answered:
    The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
    Unanswered:
    The business failed to respond to the dispute.
    Unpursuable:
    BBB is unable to locate the business.
    This company promised to fix my credit in 30 to 90 days of service. They promised that I would see a score of 100 points or more within those 90 days. I paid them over $500 and was with them for a little over 90 days and not one credit point increase on my credit was from that company. There are several hundreds of people with reviews of the same issue and I would like my money back. If you pay someone with the promise of results within a time frame then that needs to happen. I’m sure all their calls are recorded and need to be looked into. They should not promise a person then do nothing but charge you every month. It’s time the better business bureau does something to investigate this company. They also have a false contract which states you can cancel anytime via phone or email but then in small print at the end of the contract they state you must cancel within 3 days which is misleading.

    Business Response

    Date: 10/08/2024

    We are happy to investigate this case. We request consumer attach a copy of their contract with our business so we may appropriately respond. Our consumers always receive their contracts via email, which includes an electronic signature. The attached image does not contain the electronic signature. This process helps us to identify and address any issues efficiently and is a vital part of our security measures. It would be a PDF document sent to their email, containing an electronic signature.
    Thank you

    Customer Answer

    Date: 10/11/2024

    Better Business Bureau:


    I have reviewed the response made by the business in reference to my complaint and find that this resolution is satisfactory to me. 





    Regards,



    Complaint ID: 22394423




     


     


     

Credit Sage is NOT a BBB Accredited Business.

To become accredited, a business must agree to BBB Standards for Trust and pass BBB's vetting process.

Why choose a BBB Accredited Business?

BBB Business Profiles may not be reproduced for sales or promotional purposes.

BBB Business Profiles are provided solely to assist you in exercising your own best judgment. BBB asks third parties who publish complaints, reviews and/or responses on this website to affirm that the information provided is accurate. However, BBB does not verify the accuracy of information provided by third parties, and does not guarantee the accuracy of any information in Business Profiles.

When considering complaint information, please take into account the company's size and volume of transactions, and understand that the nature of complaints and a firm's responses to them are often more important than the number of complaints.

BBB Business Profiles generally cover a three-year reporting period, except for customer reviews. Customer reviews posted prior to July 5, 2024, will no longer be published when they reach three years from their submission date. Customer reviews posted on/after July 5, 2024, will be published indefinitely unless otherwise voluntarily retracted by the user who submitted the content, or BBB no longer believes the review is authentic. BBB Business Profiles are subject to change at any time. If you choose to do business with this company, please let them know that you checked their record with BBB.

As a matter of policy, BBB does not endorse any product, service or business. Businesses are under no obligation to seek BBB accreditation, and some businesses are not accredited because they have not sought BBB accreditation. BBB charges a fee for BBB Accreditation. This fee supports BBB's efforts to fulfill its mission of advancing marketplace trust.