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Credit Assistance Network Review

There are a lot of credit repair services, too many perhaps, but very few that fully guarantee their work. The Credit Assistance Network is one credit repair company that does. That lands it squarely on our best credit repair companies list.

Not only do they offer a 90-day money-back guarantee if they fail to provide any improvement in your credit situation within that time frame, but fees collected are based on performance.

For example, while The Credit Assistance Network does collect an upfront fee, as do many credit repair services, they don’t have a fixed monthly subscription fee.

Instead, you pay based on results. Subsequent fees are only paid based on each corrected credit entry.

Put another way, if the Credit Assistance Network is unsuccessful in getting a particular derogatory credit item removed from your credit report, you don’t pay them for their services.

This is unlike the vast majority of competitors, who charge you a flat monthly subscription fee, whether they produce positive results or not. It gives you a level of assurance that isn’t available with other credit repair services.

Table of Contents:

  • About Credit Assistance Network
  • How It Works
  • Features & Benefits
  • Pricing & Fees
  • Credit Assistance Network Guarantee
  • How to Sign Up
  • Pros & Cons

What is the Credit Assistance Network?

The Credit Assistance Network is different than your typical credit repair services.

In fact, they don’t even refer to themselves as a credit repair service. Instead, they report that the company specializes in credit improvement.

This is done through a realistic legal program designed to help you with any credit-related problem.

The company, created by Corey Gray, began operations in 2004 and is located in Boca Raton, Florida. It offers comprehensive credit improvement services for those with bad credit or individuals who just wish to improve their credit history.

This is done using a staff of consumer finance, credit and debt experts who will assist you with the credit improvement process.

They advertise they can take on any credit, debt or loan related problems.

The company maintains 100% compliance with the Credit Repair Organizations Act (CROA) and is a member of the National Association of Credit Services Organizations.

The Credit Assistance Network, Inc has a Better Business Bureau rating of “C+” (on a scale of A+ to F). The company is not BBB accredited, but the agency has had an open file on them since 2004.

Learn More about Credit Assistance Network

How Credit Assistance Network Works

Credit Assistance Network does everything necessary to improve your credit situation using legal means.

Under federal law, you have the right to dispute any items on your credit reports.

You can also get assistance with that process, and that’s where Credit Assistance Network comes into the picture.

They handle the work of credit disputes for you and work to make sure that your credit reports are finally free of mistakes, false information, identity theft, and inaccuracies possibly reported by financial institutions like credit card companies or any other lender.

Removing negative information will ultimately result in higher credit scores.

Credit Assistance Network offers unlimited disputes.

And they can help you resolve issues with any of the following credit problems:

  • Collections
  • Late Payments
  • ID Theft
  • Liens
  • Bankruptcies
  • Repossessions
  • Judgments
  • Charge-Offs
  • Short Sale/Foreclosures
  • Duplicates
  • Junk Debt Buyers
  • Incorrect Personal Info
  • Inflated/Expired Debts
  • Outdated Information
  • Debt Management/CCCS
  • Ex-Spouse
  • ChexSystems
  • No Credit Score
  • Security Clearance
  • Excessive Inquiries
  • Mixed Credit Files

When you sign up for the service, your credit reports will be reviewed by a trained credit specialist.

A consultation will be conducted, both to provide advice to you and get feedback from you to make the process more efficient.

Your credit reports will then be carefully analyzed by the Credit Assistance Network service department to determine which items will be disputed, what the process needs to be and the legal basis for going forward.

The Credit Dispute Process

They create and mail legally compliant and customized dispute letters to each of the three major credit bureaus – Equifax, Experian, and TransUnion.

They can dispute up to 45 individual items. Once a letter is sent to a credit bureau, the bureaus are legally required to investigate the dispute by contacting the creditor who reported it.

If the creditor is unable to verify the entry, it must be deleted. Creditors and collectors have 30 days to complete their investigations and forward the results to the credit bureaus.

You will receive copies of those results as well. You will then forward them to The Credit Assistance Network for analysis.

Their experts will then work to identify possible violations of the law. If necessary, they’ll file complaints with the state attorney general, the Federal Trade Commission, and the Better Business Bureau.

The Credit Assistance Network will use a series of dispute letters in dealing with creditors and collection agencies, including the following:

  • Validation demands, demanding a creditor or collection agency validate information reported on the credit report. If they are unable, it must be removed from the report.
  • Goodwill letters, politely asking a creditor to change negative information.
  • Cease and Desist Letters to collection agencies.
  • Disputes and information requests.

You’ll receive an updated credit report 30 to 45 days after a dispute is initiated. Further action will be determined based on the revised information reported in the updated credit reports.

The process is repeated for each credit item until it is resolved to your satisfaction.

As part of the program, you’ll have access to a secure client portal. From the portal, you can communicate with The Credit Assistance Network, track progress, and upload documents. The portal is available 24 hours a day, seven days a week.

Credit Assistance Network Features and Benefits

Credit Monitoring

Through a partnership with IdentityIQ, you can monitor your credit by getting your credit reports and scores from all three major credit bureaus.

This includes daily credit monitoring and alerts, and a credit report that can be refreshed every 35 days, plus $25,000 in identity theft insurance.

The service costs $1 to try out the plan for seven days, then $19.99 per month. IdentiyIQ also comes with daily credit monitoring and fraud alerts, as well as identity theft restoration services.

Credit Repair Blog

This is a treasure trove of articles on the website (even if you don’t sign up for the service), that can teach you everything you need to know about credit.

General topics covered include:

  • bankruptcy
  • credit bureaus
  • credit repair
  • credit repair scams
  • credit reports and scores
  • credit disputes
  • debt collection
  • establishing and rebuilding credit
  • identity theft
  • laws to protect you
  • the statute of limitations

Mortgage and Loan Calculators

Among other resources available on The Credit Assistance Network website are mortgage and loan calculators.

These will enable you to run scenarios for different mortgage and loan programs.

You enter the loan amount, loan term, interest rate, and first payment date, and the calculators will tell you what the monthly payment will be, and when the debt will be paid off.

The mortgage calculator even factors in more specific information, such as your down payment, annual property taxes, and property insurance, as well as any required private mortgage insurance.

Customer Service

Available by either phone or email during regular business hours.

Here is a little more of their contact information:

  • Mailing Address: 777 Glades Rd # 100, Boca Raton, FL 33431-6424
  • Phone Number: (800) 811-3078
  • Website:
  • Rating: As stated above, gives it a C+, which isn’t great, but there are no customer complaints listed currently.

Credit Assistance Network Pricing and Fees

Credit Assistance Network has a pricing setup that’s different from the competition.

You’ll pay an upfront fee of $179 per individual, and $279 per couple for the first payment.

There will then be a fee of $50 per confirmed deletion per credit bureau, and $75 for public records.

The ongoing fees may prove to be higher than the flat monthly subscription fees charged by other credit repair services.

But the important distinction is that the payment is for services provided. In other words, the payments are tied to Credit Assistance Network’s success in repairing your credit.

This is unlike the competition, which typically charges a flat fee regardless of the success or failure of their efforts.

You’ll pay more under this pricing system, but it virtually guarantees a positive outcome.

It should also be added that the fee structure based on positive results serves as an incentive for Credit Assistance Network to make a serious effort.

After all, they won’t get paid if they don’t produce the desired results.

Credit Assistance Network Guarantee

Credit Assistance Network makes the following promises:

  • You can cancel your service at any time.
  • No one will over-promise or guarantee a specific outcome.
  • Your private information will be protected and secure.
  • You will be treated professionally and courteously.
  • All of your requests will be responded to in a timely manner.

If The Credit Assistance Network fails to force the removal of any erroneous credit within the first 90 days you are entitled to a full and complete refund of every dollar paid for the service.

How to Sign-Up

You can sign up for the service online, starting with free credit analysis.

All you need to do is provide your first and last name, your email address, and your mobile phone number.

Sign Up with Credit Assistance Network

Pros & Cons


  • The Credit Assistance Network is a financial service that handles all aspects of credit repair for you. It’s the perfect credit repair system if you want only minimal involvement in the process.
  • The fee structure will likely be higher than what you will pay with other credit repair services. But since subsequent payments are tied to the success the company has in repairing your credit, you’re virtually guaranteed a positive outcome – or you don’t pay.
  • All credit improvement strategies are fully legally compliant.
  • The Credit Assistance Network deals with the largest number of credit problems possible.
  • Cease and desist letters will be issued to collection agencies to stop harassing phone calls and letters immediately.
  • A 90-day money-back guarantee enables you to get a full refund of all fees paid if The Credit Assistance Network fails to remove any derogatory information within that time frame.


  • Both the upfront fee and the subsequent charges are higher than competing credit repair services. But since subsequent fees are tied to the success of improving specific line items on your credit report, you’ll pay only for what results The Credit Assistance Network provides, and not simply a flat monthly fee whether the service produces results or not.

Should You Work with The Credit Assistance Network?

There’s no getting around the fact that The Credit Assistance Network is one of the higher-priced credit repair services in the industry. But that’s because they guarantee results, otherwise, you don’t pay.

The upfront fee is admittedly high. But there is no fixed monthly subscription fee to continue the service.

Instead, The Credit Assistance Network charges fees based on the successful removal of individual derogatory credit items from your credit report.

You may even find yourself happy to pay each fee, knowing that it has produced a successful outcome.

This is totally different from the vast majority of credit repair services that charge a flat fee, with no guarantee of positive results.

In theory at least, if you pay a flat fee, and the credit repair service doesn’t produce positive results, you will pay hundreds of dollars and get no improvement in your credit scores.

With The Credit Assistance Network, you’ll certainly pay, but only once the job of removing a particular credit derogatory is complete.

That guarantees a positive outcome and removes the risk of paying money for an unsuccessful venture.

If you’d like more information, or you’d like to sign up for the service, check out the Credit Assistance Network website.

Credit Assistance Network