Credit Monkey Review

Credit Monkey Review: Best Credit Repair Software in 2022

Updated October 02, 2022 – Is there anything more frustrating than getting denied a loan or credit card? You’ve worked hard, paid your bills on time, and followed all the guidelines – and still, you’re denied. It turns out some people have too good of a credit score. And no matter how hard you try, you can’t seem to boost your score high enough to get approved for the Loans and Credit Card you need. But don’t worry – there’s a solution!

Credit Monkey creates and maintains an account within our Live Score Client Portal for all of our clients this helps increase Your Credit Score. Credit Monkey fixed my credit fast and helped me get the loan I needed. They are the best credit repair around. I highly respect using Credit Monkey!

Credit Monkey is the leading expert in credit report repair, since 1997 we have been helping consumers improve their credit reports and increase their credit scores. Over those years they have shown thousands of people how to start a credit repair business for themselves. As well, they have coached hundreds more on how to attract more clients and drive revenue and profits into their credit repair business. And, they can help you too.

Why do You Choose the Platform Of The For Credit Repair?

Because other credit repairs companies:

  • They Charge Thousands Of Dollars
  • They Have Startup Costs Or Set Up Fees
  • Takes Them Over 6 Months To Fix Credit
  • Takes A Lot Of Going Back And Forth “Credit Repair Specialists”
  • They Don’t Offer Guarantees

With respect to above the do things differently like;

  • $0 Enrollment.  Yes, $0 FREE To Start.
  • We Don’t Charge Thousands, Plans Starting At Only $99 Monthly. 
  • No Charge You Until Your Letters Is Mailed.
  • We Include Opening 5 Active Credit Accounts.
  • Dispute The Negative Inaccurate Items Fast.
  • We Don’t Need To Have Any Phone Calls We Are All Automated.
  • Notification Of All Changes In Your Credit Report Monthly.
  • We Offer A 90-Day Guarantee.

(A.)Best Overall Results of in the fields of credit repair for their customers:

With an A+ from the BBB and consistently high customer reviews, Credit Monkey should be on your radar as well.

The Nationwide Company comes with monthly packages ranging from $99 to $159 and “first work fees” between $99 and $195.

Credit Monkey programs are the most aggressive in the industry. Their middle program remodels release more challenges per cycle than Lex Law’s top program.

If you don’t see any improvements made in the first 90 days you get a full refund.

Credit Monkey offers users a personal advisory team dedicated to their case, informative online resources, and a timeline and progress report to help you track the company’s work on your credit.

You’ll also get regular calls from your team to keep you in the loop and on track for success.

(B)Live Score Client Portal:

Credit Monkey creates and maintains an account within our Live Score Client Portal for all of our clients this helps increase Your Credit Score. This dynamic tool allows our clients to access their scores 24/7, without putting any inquiries on the client’s credit history. Plus, as we remove items, the client gets a chart of the newly updated scores and may compare them to their old scores. 

Credit Monkey provides clients with our Credit Repair Training Academy, so that they may educate themselves on how to earn and maintain a high credit rating.

(C)Our Glorious Risk-Free Guarantee:

The Credit Monkey 90 Day Guarantee:-Credit Repair Guarantees Satisfaction. Once the applicant(s) has been enrolled and the account is set up, 6 months the applicant(s) must continue working in good faith with Credit Monkey for at least 6 months. After 6 months of enrollment or 3 completed dispute cycles, the applicant may request a refund if 3 or fewer items have not been removed within the first 3 cycles of disputes. 

(D)Where Good Credit, Means Happy Life: – Start Instantly Increase Your Credit Score Up To 120 Points!

Credit Monkey is now offering services to all 50 states. We have automatic software that disputes and challenges all of your negative and inaccurate items as well as inquiries on your credit report. We make sure that all corrections are made with all 3 bureaus. Credit monkey has a $0 enrollment fee. Yes, $0 free to startwe don’t charge anything until your first letters are mailed. Rates start from $99 monthly (monthly payments depend on the plan that fits best for you). Join our 700 Credit Club and you will receive a 3-year warranty.

(E) Credit Monkey has automatic software:

For credit repair, automatically disputes and challenges your Negative Inaccurate items and inquiries with Experian, Transunion, and Equifax. We have a $0 enrollment. You only pay your monthly subscription fees and we guarantee results. Call 877-701-7307 to Get Started Today.

Voted Best Credit Repair Company For 2022 – First Company in History to Guarantee All Credit Repair We Offer A 100% Money Back Guarantee We also Walk Every Client Into Building $10,000 In Credit Lines – Call 877-701-7307 24/7.

Purpose to Take Help of Credit Repair Company:

A good credit repair company can help you improve your credit score and fix any errors in your credit report. The best credit repair firms work with major credit bureaus on your behalf to remove any negative items affecting your credit scores, such as late payments, charge-offs, debt collections, bankruptcy, and charges.

Credit report errors are more common than you may think. You can correct inaccurate information on your credit report yourself, but it is frustrating and time-consuming.

Credit repair companies can help make this easier by assisting you with your credit reports, disputing errors, and finding inaccuracies. We have reviewed top credit repair services to help you choose the right one for you i.e. the which is the leading company in the working in the field of credit repair

Credit monkey is a credit repair company where you can find and fix credit errors, improve your credit

How to login into the portal of

Kindly flow the steps given below:

Credit Monkey Login
Credit Monkey Login

Step 1: Enter your email id or user id.

Step 2: Enter your password.

Step 3: Finally click on login.

How To Recover your Credit Monkey Login Password:

Kindly flow the steps given below:

Credit Monkey Login Password
Recover Credit Monkey Login Password

Step 1: Enter your Email id.

Step 2: Click on the send password.

Step 3: On getting the new password you may ale to log in again the

Order Your Credit Report:

Order Your Credit Report – See Your Scores from ALL 3 Bureaus Immediately. Try for Free Three Credit Bureaus: ID Theft Protection, Credit Monitoring.

Types: Experian Credit Reports, Transunion Credit Reports, Equifax Credit Reports.

The first step to identifying your credit issues is to take a look at your credit scores we can offer you access to your credit report for only $1 dollar.

  • Experian, Equifax, and Transunion Reports & Scores
  • Daily Credit Monitoring & Alerts
  • Platinum Savings – Save Over $2,000 Per Year
  • Credit Report Can Be Refreshed Every 30 Days
  • $25,000 Identity Theft Insurance.

Build Your Credit Score:

As we know that is a platform that is helping their clients as well as all customers to improve their credit score in an easy manner with full guarantee and faithfully.

Some of the major points on which your credit score can be corrected and the same is given below.

[1.] Self Lender’s credit builder account: It can help you build credit and save money at the same time! A credit builder loan is a small installment loan saved in a CD. 

 [2.] Build Business Credit: Welcome to our new Business Funding Program! We build your business credit. 

Having access to working capital when you need is important when running a business. Once you have a pre-approved limit, you can access funds at any time and only pay interest on the line of credit used. Benefit from monthly payments, a quick application process, and building business credit history. We make sure you build your business credit with over 14 vendor accounts as well as making sure you are established with a Business History Accounts and Business Registered Number and More. 

(A)Vendor Accounts:

We set you up with over 8, 14, or 21 different vendor accounts to try to establish positive reporting to credit bureaus for business credit. 

(B)Business # & Tax ID:

We make sure to get you set up for Tax Id # as well as Duns # to make sure you can start building your business credit. 

(C)Unsecured Term Loan:

Once we are done building your corporate credit then we can apply for credit cards and loans to get you funding up to $250,000

NOTE: The fastest and most stress-free way of getting the capital that you need, when you need it.

Get up to $250,000 – $500,000 cash for:

  • Working capital
  • Buying inventory
  • New equipment
  • Construction and renovation
  • Apply online now
  • No Application fee, no obligation
  • New Locations
  • Hiring More Staff
  • Expanding Operations 

Through a multitude of programs, we are able to get you funding for up to $250,000 when we are gone building your corporate credit on your Business Registered Business.

What Is Credit Repair?

Credit repair involves fixing your bad credit in any way, shape, or form. But when most people use the term ‘Credit Repair’ they are referring to the process of challenging and disputing errors on credit reports.

You can go through the dispute process for free with each of the credit bureaus on your own. This involves filing a formal dispute with the credit bureau(s) in question either online or by mail.

In your formal dispute, you want to provide a detailed explanation of the error and include any supporting documentation you have along with it.

Many people don’t have the time to do their credit repair or don’t understand how to make their case. So they look into hiring a credit repair company to challenge and dispute errors on their behalf. These companies can charge a fee for their legwork—more on how that works below. There are times when the extra help is valuable. For example, if you have multiple errors across credit reports or you’ve been the victim of identity theft.

This article looks at both types of credit repair—DIY and paid—starting with credit repair businesses since there’s a good chance that’s what someone means when they use the term & conditions related to credit repair.

Is Credit Repair Process Legal?

Yes, it is true that credit repair is a legal process under Federal Law. The Fair Credit Reporting Act (FCRA), Title VI of the Consumer Credit Protection Act, protects consumers from accidental, negligent, or deliberate inclusion of inaccurate, unfair, or unsubstantiated information in credit report data provided by creditors to credit bureaus. This shields you from damage to your credit which can be caused by factors beyond your control such as typos, outdated data, malicious creditors, or identity theft. If you notice incorrect, unverified, or otherwise disputable information on your credit report, you have a legal right to contest it. You can do this yourself, or credit repair services can assist you with this process.

How Credit Repair Works on the platform of

We have an easy sign-up process all done online. Credit Monkey will Increase Your Credit Score by maintaining an account within our Cloud-Based Credit Repair Monitoring (CRM) Software for clients, so that they may follow their credit repair process in real-time, by seeing their scores, graphs, information, and more on any Internet-enabled device, (iOS & Android ) To get started with credit monkey just click the red button.

Credit Monkey creates and maintains an account within our Live Score Client Portal for all of our clients. This dynamic tool allows our clients to access their scores 24/7, without putting any inquiries on the client’s credit history. Plus, as we remove items, the client gets a chart of the newly updated scores and may compare them to their old scores. 

Credit Monkey provides clients with our Credit Training Academy, so that they may educate themselves on how to earn and maintain a high credit rating.

How Credit Repair Process Actually Works?

As we know that Credit Repair Process involves contacting credit bureaus and, in some cases, your creditors, to dispute inaccurate, unfair, or unsubstantiated information. In some cases involving simple corrections, you may elect to do this yourself. However, because you need to contact all three major credit bureaus if the error is on all three reports and because some disputes can involve contacting creditors as well, you may wish to seek help from a professional credit repair service, particularly for more complex disputes.

Appreciating why you might want to work with a credit repair service will be easier if you understand how credit repair works. To get to the heart of what credit repair is and how credit repair companies operate, we went to Dr. Randy Padawer, senior vice president of product with Progrexion.

“Credit repair leverages your legal right to three standards: Credit reports must be 100% accurate, entirely fair, and fully substantiated,” Padawer said. “Too many lesser credit repair companies skip over those last two standards—which involve communicating with your creditors—in favor of depending on simple credit bureau disputes by themselves.”

Customized tools, educational approaches, and proven technologies offered by credit repair companies guide you through the tasks and action items you need to take to maintain a healthy score and accomplish your credit goals.

Here’s a good example of when a reputable credit repair service can help you do something you may not be able to accomplish yourself. If you have a collection account that’s been sold to a few different debt collectors, it can appear on your credit report multiple times. That information is accurate but having that one debt dinging your credit score multiple times doesn’t meet the “fair” standard that Padawer mentioned.

Errors are more common than you might think. And if you have items on your credit report that aren’t 100% accurate, entirely fair, and fully substantiated, you want to consider credit repair—either do-it-yourself (DIY) repair or you may approach a professional to know how to build a credit score on  the

Credit repair platform

According to the CFPB, a Federal Trade Commission (FTC) study found that 1-in-5 consumers have an error on at least one of their credit reports. You can check your credit reports for errors by getting free copies every 12 months at

How Is Credit Score Calculated?

We must know that Credit scoring systems such as FICO® assign consumers or businesses a number that helps financial providers evaluate how likely borrowers are to repay debt and how much additional debt they can afford to take on. Credit scores are based on factors that reflect the history of repaying debt on time, ability to repay current debt, and capacity to manage additional debt. Major factors used to calculate consumer credit scores include:

1. Payment history: How often do you pay bills on time, and do you have any history of payment Collection, bankruptcies, or foreclosures?

2. Credit utilization: How high are your account balances compared to your credit limits?

3. Credit age: How old are your credit accounts?

4Credit mix: Do you have experience managing debt payments for a diverse range of credit products, Such as credit cards, student loans, auto loans, and mortgage loans?

5. Credit inquiries: How often have you applied for credit recently? Of these factors, payment history and credit utilization have the biggest impact on your credit score. In the most widely used credit scoring system, FICO, payment history counts for 35% of your score, while credit utilization counts for 30%. Credit age accounts for 15%, while credit mix and credit inquiries count for 10% each.

NOTE: Your credit report will include a breakdown of other information about your financial history. These can include items such as a list of your revolving and installment accounts, recent hard and soft credit inquiries, and a history of collection actions and bankruptcies. Together with your credit score, these items help financial providers gain a more complete picture of your credit history.

What Are The Factors That Really Hurts Your Credit Score?

The factors which are used to calculate your credit score can hurt your score when not managed in a proper way. The main factors which can lower your credit score are given below:

  1. Late payments: Because FICO’s scoring system places such weight on payment history; late payments can have a big impact on lowering your credit score. Even a single late payment that goes beyond 30 days overdue potentially can harm your score. More serious late payment issues such as collection actions, bankruptcies, and foreclosures can significantly lower your score. So prioritize avoiding late payments.
  2. Excessive credit card utilization: If you carry a high balance on your credit cards, financial providers are concerned that you are short on cash or that you owe too much in monthly debt payments to take on new debt. Credit utilization above 30% of your balance is considered high. A rate of 10% or less is ideal.
  3. Short credit history: If your accounts are all-new, financial providers tend to look upon your ability to manage credit as unproven. Keeping accounts open for 7 years or more can help improve your credit history.
  4. Have one type of credit card: If you’ve only handled one type of debt, such as a credit card or a student loan, lenders may not feel confident in your ability to handle other types of debt such as mortgages. You can improve your credit score by using a mix of different types of credit and keeping up with your payments.
  5. Lots of new applications: If you apply for many different credit cards or loans over a short period, it looks like you’re desperate for cash, and it may raise suspicions that you’re a higher risk because of the extra activity. Hard credit inquiries stay in your file for two years, so take this into account before going on a credit application spree.

So these are some of the biggest factors which can hurt your credit score. Following the guidelines above and avoiding these issues can help you minimize the need for credit repair.

Why Is Credit Repair Necessary?

Credit repair is necessary because of the wide range of negative effects bad credit can have on your finances and your quality of life. Here are some of the important potential side effects of bad credit:

  1. You may find it harder to get a loan to buy a new car or home
  2. Bigger as well as more +reputable lenders may be reluctant to give you a loan, forcing you to turn to less preferable lenders.
  3. Qualifying for a credit card may be difficult
  4. If you do qualify for a loan or credit card, you may have to pay a higher interest rate than you would with good credit
  5. You may pay higher insurance premiums for taking home, auto, or renters’ insurance 
  6. If you apply for a job that involves handling money, your prospective employer may run a credit check, reducing your chances of getting hired
  7. Utility companies may run background checks and require you to pay higher deposits
  8. Bad credit can keep you from qualifying for credit cards with better rewards programs.

In nutshell, there are many undesirable side effects to bad credit and there is no upside if you have a bad credit score, it’s in your best interests to seek credit repair.

How Much Does Credit Repair Cost?

Credit repair services usually charge a monthly fee while they are fixing your credit, and you also may need to pay a setup fee. Monthly fees can vary over what can be a period of several months to a year.

Some credit repair services may offer tiered packages with fees for additional services. For instance, some packages may offer credit score monitoring or identity theft alerts.

Get Your Free Credit Score:

The place to begin credit repair is to find out what your credit is and what’s bringing it down. Under the FCRA, you’re legally entitled to obtain a free credit report every 12 months from each of the major credit bureaus, ensure that all information is accurate, and fix any mistakes. Through you can get your Experian Vantage 3.0, credit score free every 14 days. Monitoring your credit score and credit report regularly can help you see how your credit repair efforts are working and what you still need to fix.

Plans and Features of Credit Monkey:

Getting Started Today Is As Easy As 1-2-3.Credit Repair Starting Plans Starting At $99 Monthly. Get Your Credit Fixed & Dispute Inaccurate Negative & Inquiries

We’ll dispute your negative inaccurate items quickly and efficiently.

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As we know that according to studies, 89% of credit reports contain mistakes or serious errors.

• Inquiries

• Bankruptcies

• Collections

• Charge-offs

• Late payments

• Judgments

• Tax liens

• Addresses

89% of credit reports contain mistakes. By law, the Bureaus must prove it or remove it. So come join to overcome these situations and be able to make your good credit score.

Credit Monkey Customer Service

Beverly Hills, California, United States.

Organization: Private.

Official Website: 

Or Text or Call 877-701-7307. 

What Is a Good Credit Score (And Why Does It Matter)?


Credit Monkey Ratings & Reviews:

We’ve helped thousands of people fix their credit for the past 10 years to get mortgages, auto loans, and so much more.

RATINGS                                 PERCENTAGE

5                                               69

4                                               0

3                                               0

2                                               6

1                                               25                                            

The overall rating is 3.8 having Four Stars.

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