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Business Profile

Credit Services

90 Day Credit Experts

This business is NOT BBB Accredited.

Find BBB Accredited Businesses in Credit Services.

This business has 1 alert

Complaints

Customer Complaints Summary

  • 52 total complaints in the last 3 years.
  • 29 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.

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Complaint status

Complaint type

  • Initial Complaint

    Date:12/27/2024

    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.
    Cancelled a service because I found out that it was a scam. Client trying to still charge me and report it to collections. Now continue to text call and harass me at this point.

    Business Response

    Date: 12/27/2024

    Hi ******,
    Upon reviewing your account, we found no request for cancellation within the first 5 days, during which you had the option to cancel the service. Additionally, you attempted to make your first payment, but it did not go through.
    Our team has tried to contact you to explain what needs to be done to provide you with the results from your Credit Monitoring site. Since it was inactive from the start, we were unable to give you the results of the disputes we sent out on your behalf. Please note that part of the agreement required you to keep the credit monitoring site active for 90 days so we could send you the updated progress report.
    I apologize that you felt the service was a scam. I assure you that we do not scam people and we provide ample time for our customers to consider before continuing the service. We sent all agreements to you for review, which you signed.
    Currently, there are three unpaid payments covering the entire 90-day period.
    Please contact us at your earliest convenience to discuss this further. Our office number is ###-###-####.
    Thank you.

  • Initial Complaint

    Date:10/24/2024

    Type:Service or Repair 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.
    Promised credit repair in 90 days credit score went down no action actually taken to increase my credit. They took my money and did nothing in return its a scam.

    Business Response

    Date: 10/25/2024

    Hi ******* *****,

     

    I am very sorry about your scores did not go up as what we told you from the start however we did not promise those scores for you. The service that we provided was under warranty within the 90 days that we disputed your negative accounts for you, in that warranty if we didn't give you those points and no negative items was added then that warranty would let you exit out of the contract.

    the contract is for 12 months but you will have a chance to cancel as to what happened with you.

    With your request for a refund, unfortunately we cannot provide you the refund as it is stated in your contract which you agreed that there will be no refunds anytime within the contract.

    If you have any questions please do call us so we can talk and find a resolution for you. 



  • Initial Complaint

    Date:07/31/2024

    Type:Service or Repair 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.
    attempted to steal information and threaten to use information to harm my credit

    Business Response

    Date: 08/12/2024

    Hello,

    Our apologies for any misunderstandings. We'll look into any contact that was had from our end and give disciplinary measures. 

    Your information has been put on our DO NOT CONTACT list as well. You will not hear from us moving forward.

    If you have any questions feel free to reach out.

    Thank you,

  • Initial Complaint

    Date:07/17/2024

    Type:Service or Repair 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.
    90 day credit experts, makes big claims to be able to fix your credit, in 90 days they claim they will increase your scores 100 points are they cancel the membership. In 90 days they removed nothing from my credit report. But because me paying off my own debts and own things on my own, my credit score went up 40 points. They then took credit claiming I have to keep paying them or they put me in collections. If I dont want to pay anymore. This company is very predatory, they use different languages and smoke shows to sneak items in contracts through. They have terrible customer service, it took weeks for someone to get back to me. I would recommend for nobody to use as they will burn you.

    Business Response

    Date: 07/18/2024

    ***********************,

    We had someone look into your account in depth. It appears your scores actually went up 103 points with the removal of 3 main negative items and the removal of 4 inquiries as well.

    Our apologies if that wasn't conveyed to you on the follow up call that we had. With that being said, based on our work we did hit the 100 point warranty and as per our contract you would be with us for the remainder of that contract.

    However, we would love to make sure you are taken care of still. Please give us a call at ************ and we can discuss your options.

    Thank you,

  • Initial Complaint

    Date:07/15/2024

    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.
    They promised to raise credit score in 90 days or money back. They hurt my score and never got the money back. I was still charge 3 months after for credit monitoring that was a nightmare to close. This company does nothing except rob people in need. I want my money back.

    Business Response

    Date: 07/16/2024

    Jeremiah York,

    We apologies for any misunderstandings with our services. We had a 100 point warranty, not a guarantee unfortunately. Our contract also doesn't say anything about refunds. If you would like a copy of that contract for your records feel free to reach out to us at 385-360-5858. With that being said it looks like your account has already been closed as well. 

    We consider the matter resolved. 

    Thank you,

    Customer Answer

    Date: 07/16/2024

     

    Complaint: 21991846



    I am rejecting this response because: you removed the positive items from my report and left the negative that I paid you to remove, I reached out multiple times with no response. You are selling snake oil and taking advantage of people. 



    Sincerely,



    Jeremiah York

    Business Response

    Date: 03/31/2025

    This complaint was resolved through a call by cancelling the account. 
    we never charged him $750.  the only payment that went through are 3 payments which is for his 90 days

  • Initial Complaint

    Date:07/02/2024

    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 signed up with 90-day credit in March 2024 for $150 per month. After I sign the contract I was informed I had to pay additional $29.99 per month to Smart credit to maintain my credit report. Upon realizing this after one month I decided it was too expensive for me since I'm on a fixed income. On April 28th 2024 in my first 90 days with that company I canceled my contract. I didn't hear anything else from them up until today July 2nd 2024 at 4:00 this morning they decided to take $300 out of my account without prior approval. When I called them and asked them about it they had said I have to reactivate my smart credit account for additional $29.99 before they can even talk to me. Reluctant to do so I reactivated my account for $29.99. I called 90 day credit back I was transferred to a case manager and he said basically I cannot cancel my contract even though they failed him to raise my score 100 points in the first 90 days like they promised at this point I'm already locked in the contract. That was around 8:30 this a.m.. I went to the doctor at 10:00 at 11:30 I called them back 90 day credit they took it another $150 out of my account without asking again. When I confronted them about it they basically told me the only way I can get out of this contract is if I pay them another $525 to buy the contract. I explained to them again I am on a fixed income I don't have any extra money everything I have is tied up in bills. So they managed to take $450 out of my account have me sign up again with smart credit for $29.99. They refuse to reimburse me basically told me nothing they could do.

    Business Response

    Date: 07/16/2024

    ***********************, We apologize for any misunderstandings with our services and contract. We have been trying to reach out to you to no answer. Please give us a call at ************ to get this matter resolved.

  • Initial Complaint

    Date:06/04/2024

    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 mislead and misdirected while working with 90 day credit experts. They claimed that they would fix my credit and receive payment after a 90 day trial. They charged me $180+ after claiming that the fee would only be $150. They are emailing me, texting me and have overdrawn my account repeatedly.

    Business Response

    Date: 06/05/2024

    ************************************************,

    We'll look into the call to make sure there was no misleading going on from the rep that you spoke with and make it right if there was. However, our contract states payment is only after work performed, and that work is performed on a monthly basis. So the payment is not after 90 days. The same is said on the registration call you would have had. We will send those both to you so that you have those for your records.

    It appears that your 90 day follow up is coming up here on 6/25. We will need your credit monitoring to be activated for that follow up. On that follow up call as stated in our contract if we do not hit the warranty of 100 points and the warranty wasn't voided then you will be exited from the contract immediately. 

    Let us know if you have any other questions.

  • Initial Complaint

    Date:04/18/2024

    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 keeps taking money out of my account after I told them I don’t want to continue my membership.

    Business Response

    Date: 04/29/2024

    It appears in our system that someone from our billing team spoke to you just 2 days ago, and arranged a buyout agreement to go ahead and close your account with us. 

    If that is inaccurate or you believe to be in error feel free to reach back out to us at ###-###-####. Otherwise it appears this has been resolved from our end. 

    Thank you,

  • Initial Complaint

    Date:03/13/2024

    Type:Order 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.
    After initial 90 days saw no significant score increase as promised . Thu okay credit freeze and / or fraud alert on my credit that has taken me almost a year to get removed from Equifax. Attempted to cancel multiple
    Times .
    They would call and leave me messages about sending balance owes to credit reporting agency but would not answer when I would call back to cancel contract .

    Business Response

    Date: 03/31/2025

    There are a lot of negative Items removed from your report. 6 negative accounts. 10 hard inquiries. With a total debt removed of almost $4,000.00
    we called and tried to reach out to explain what had happened to your service.

    This is from 2023 and I am unable to pull the report to see the negative items added within the 90 days.

  • Initial Complaint

    Date:02/22/2024

    Type:Order 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.
    The company lied about services provided and found out that the contract I signed is illegal based on CROA, the demanded money and promised a result that was a lie and un achievable. They misrepresented and overpromised. The way the structure the contract goes against CROA, now they want to force me to pay for half a contract and offer no services in return.

    Business Response

    Date: 03/31/2025

    We didn't lie, we provided the service we warrantied for you. 

    It was a 100 point warranty and we gave you 113 points collectively. even though you almost maxed out your card which has a negative impact regarding your credit scores. We held the end of our agreement.

    We called multiple times to you in order for this to resolve and still continue working on your account but you hang up everytime we call.

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