Paid to start services over 2 months ago no servic provided . Everytime I reach out to customer service i am encouraged to wait longer resulting in more payments without service . I plan to file a... See more
Company replied
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Review summary
Created with AI, based on recent reviews
What people talk about most
Reviews shaping this summary
I am thinking about trying the $49/mo service specifically for the "$65k trade line" but after seeing all these reviews, I probably won't be entertaining the circle jerk. I reached out for feedback re... See more
Company replied
Guess it started out good at first but then I didn’t see any results. I hate that you can’t talk to a real person. I have been paying a nice chunk of change every month. Now I have been trying to canc... See more
Correcting longstanding errors is never easy. It takes teamwork and a LOT of patience. My gratitude goes to Allison, Anika, Kate, Aziza, and Joy for their diligence and hard work to help me resolve... See more
Company replied
Company details
Written by the company
CreditCaptain is the leading AI-powered credit repair service, trusted by 50,000+ satisfied customers to quickly improve their credit scores, using AI for 10x better & faster results.
Contact info
United States
- www.creditcaptain.com
3.0
Average
758 reviews
Replied to 71% of negative reviews
Typically replies within 48 hours
How this company uses Trustpilot
See how their reviews and ratings are sourced, scored, and moderated.
U need to stop all payments on my…
U need to stop all payments on my account idk if Stephanie is AI or a real person but u need to stop my payments
December 21, 2025
Unprompted review
REVIEW #3 AVOID AVOID AVOID
This is the 3rd review Im leaving and my account still hasn't been resolved. I had to put a block on my card so my account wouldn't be charged anymore. Then today they sent me an invoice from "Charlie" stating my account cant be charged. No shit cause I blocked you from stealing anymore money from me. AVOID this place at all cost!!!! Its a scam!
December 18, 2025
Unprompted review
Reply from CreditCaptain
Hi Zachary,
I just read your review, and I am genuinely sorry for how frustrating and unacceptable this experience has been. Having to resort to blocking your card and then receiving an automated invoice on top of it all is a complete failure on our part, and I understand why you're so angry.
This stops right now. I am personally taking ownership of your account and investigating what has happened. You shouldn't have to chase us for a resolution.
My only priority is to figure out where we went wrong and get this fully resolved for you today. I will ensure your account is handled correctly and you receive no further communications from us unless it’s a confirmation of this resolution.
Best,
Stephanie from CreditCaptain
I was paying for the service for…
I was paying for the service for several months and added several accounts for which I was paying $296 monthly, but they never added the credit line I requested or the others they were supposed to add. I contacted technical support, and they just told me to wait. Of course, waiting is an option for them, but for someone paying almost $300, it's not a reliable solution at all.
November 17, 2025
Unprompted review
Reply from CreditCaptain
Hi Luis,
I just read your review, and I am so sorry for this experience. Paying nearly $300 a month and not seeing the accounts added to your file, only to be told to 'just wait,' is completely unacceptable. I understand your frustration entirely.
That is not the level of service or transparency we promise our members, and I am personally stepping in to find out exactly what happened here. I'm looking up your account as I type this to investigate the status of the specific credit lines you were paying for.
My only priority right now is to get you a clear answer and a resolution, not an excuse. You deserve to know what's going on with the service you've paid for, and I will make sure you get that today.
Best,
Stephanie from CreditCaptain
This has been the worst experience I’ve…
This has been the worst experience I’ve ever dealt with anyone the company lies and does not truthfully explain that it takes a while for your credit to get resolved. I’ve been with them 2 1/2 going on three months and I’ve seen no change in my credit at all. I would like for a full refund, please.
December 17, 2025
Unprompted review
Reply from CreditCaptain
Hi Dallas,
I just read your review, and I completely understand your frustration. Being nearly three months into this process and seeing no change is incredibly disheartening, and I'm very sorry this has been your experience with us.
This is absolutely not the outcome we want for any of our members. I'm looking into your account personally right now to see what's been happening with your file and to review your refund request.
My only goal here is to understand what went wrong and get this sorted out for you today.
Here to help,
Stephanie
Company has no customer service All Bots
Company has no customer service it's all bots. I paid for Premium tradelines that were promised with the plan the tradelines were never placed on my credit report. From August 2025 to December 2025 the company not once worked on credit repair. When you reach out to Customer service all you get is their stupid bots. Next stop the BBB to file a complaint
December 16, 2025
Unprompted review
Reply from CreditCaptain
Hi Brian,
I just read your review, and I'm genuinely sorry for the experience you've described. It is completely unacceptable to pay for a service and feel like you received nothing in return and couldn't reach a real person for help. I understand your frustration entirely.
I want to assure you that I am a real person, and my only priority right now is to personally investigate what happened. Our members are the most important part of our business, and it's clear we have failed you here.
I am looking up your account as I type this to find out exactly what happened with the tradelines you were promised and to review all the work on your file. My goal is to get this sorted out for you today. You should expect an email from me directly.
Best,
Stephanie from CreditCaptain
100% complete scam
100% complete scam! Someone needs to reach out to Fb/IG since they are running ads there. No services rendered at all. I'm cancelling the card and charging back all items.
December 16, 2025
Unprompted review
Reply from CreditCaptain
Hi Jeremy,
I just read your review, and I'm genuinely concerned. To feel like you've paid for a service and received absolutely nothing in return is an awful experience, and I completely understand your frustration.
This is not the standard we hold ourselves to for the 350,000+ members who trust us, and it is certainly not the experience we want for you. When you sign up, you should see clear action and value.
I am personally looking up your account right now to investigate what happened. My only priority is to understand why you feel no services were rendered and figure out how we can make this right for you immediately. You shouldn't have to consider a chargeback to get a resolution, and I'm here to help you directly.
Here to help,
Stephanie
I am thinking about trying the $49/mo…
I am thinking about trying the $49/mo service specifically for the "$65k trade line" but after seeing all these reviews, I probably won't be entertaining the circle jerk. I reached out for feedback regarding their methods and services and was told support would be available on Wednesday...2 days to get a follow up from a human yet you have "55,000 happy clients" so at $49/mo that's almost $3,000,000/mo and you can't pay humans to reply to support, just 1 chick replying to all the TrustPilot reviews?
December 15, 2025
Unprompted review
Reply from CreditCaptain
Hi Brandon,
I just read your feedback, and I completely get your hesitation. A two-day wait for a response when you're just trying to get information is definitely not the first impression we want to give, and I'm sorry for that.
You're asking the right questions about how features like our tradelines work, and you deserve clear answers before you even consider moving forward. While it's true I handle our reviews, we do have a full team of real human experts available 7 days a week, so that wait time isn't the norm, and I want to make it right.
Please reach out via the live chat on our website and ask for me—Stephanie. I'll personally ensure you're connected with a senior specialist who can walk you through everything today, no waiting.
Here to help,
Stephanie
These guys are scamners
These guys are scamners. I signed up with the 90 day refund option. Everytime I tried to cancel they responded to wait. 90 days are up I ask for a refund and all my requests are ignored. You can't even cancel once you sign up. Thieves and scammers. Stay away. Never got a response from Stephanie see below. More lies.
December 13, 2025
Unprompted review
Reply from CreditCaptain
Hi Scott,
I just read your review, and I am so genuinely sorry for the experience you've described. Being told to wait when you try to cancel, only to have your refund request ignored later on, is completely unacceptable. I understand your frustration entirely.
This is not how our 90-day promise is supposed to work, and I am stepping in to fix this for you personally, right now.
I'm looking up your account as I type this. My only priority is to ensure we honor that money-back guarantee by processing your full refund and confirming your subscription is cancelled immediately. You should not have been put in this position, and I will make it right today.
Best,
Stephanie from CreditCaptain
Reply from CreditCaptain
Hi DaQuam,
I just read your review, and I'm genuinely concerned. For you to feel this way means we've failed you somewhere, and I want to understand what happened.
This isn't the experience we want for any of our members, and my only goal is to figure out what went wrong and make it right for you.
I'm going to locate your account right now using your name so I can personally investigate what's going on. I want to get this sorted out.
Best,
Stephanie from CreditCaptain
They take your money don’t let you…
They take your money don’t let you cancel and put you off. They lie about what they say it’s just scam to make money off people. They don’t do anything of help.
December 13, 2025
Unprompted review
Reply from CreditCaptain
Hi Chase,
I just read your review, and I am so sorry for the experience you've described. Feeling like you've been misled and are unable to cancel your account is completely unacceptable, and it's the last thing we want for any of our members.
I am stepping in to handle this for you personally, right now. As I type this, I am looking up your account to ensure your subscription is cancelled immediately and to investigate what went wrong with your cancellation request.
You should never be 'put off' when you need help or want to stop a service. My only goal is to get this resolved for you today.
Best,
Stephanie from CreditCaptain
All the reviews are true
All the reviews are true! Been with them for almost 3 months and nothing has been done. Disputes have not been sent and they won’t let you cancel. No updates or changes to my dashboard since joining. Only AI support that only responds with the same message. Instead of canceling my account they tried to charge me another $296. I canceled my card because that’s the only way to avoid having your card charged multiple times. I do not recommend this company. They say 90 day guarantee but they don’t do anything between months 1-2. Please do not use them.
Update 12/30/2026 - There was still nothing done. Even after someone from credit captain responded to my review. No refunds, no credits, no changes to my portal, nothing. I tried to wait it out but I’m done with creditcaptain. If you don’t believe any other review please believe this one. They are fraud and will take your money and do absolutely nothing for you. STAY AWAY!
December 9, 2025
Unprompted review
Reply from CreditCaptain
Hi Raquel,
I just read your review, and I am so genuinely sorry for the experience you've described. To go three months feeling like nothing was done for your account, only to be charged again when you tried to cancel—that is a completely unacceptable situation.
I want to handle this for you personally, right now.
I'm looking up your account as I type this. My immediate priority is to ensure your subscription is cancelled and to work on reversing that $296 charge. You should never have to resort to cancelling your own card to stop a payment, and I will get this sorted for you today.
Best,
Stephanie from CreditCaptain
No Services rendered and have paid 3 times.
Started Services 10/8 and also purchased a tradeline to be posted for and additional fee, as of today 12/9 no services have been rendered and when I have chatted with assigned specialist she has confirmed nothing has been done on my profile no disputes or anything, but they continue to have charged me (3 times now).
Edited 12/10
They commented right after my review posted that they would get this resolved and get me refunded and reach out same day and it’s now been over 24 hours and still no one as contacted me…. Guess it’s all bunch of fraud…and If I’m not contacted in the next 24 hours or shown proof of refund I am pressing fraud/theft charges…I have proof there employee stated last month nothing has been done on my profile and they continued to withdraw money for not one but 2 services (dispute and trade line) and neither services have been provided, they have now debit a total of $686.97 and no one will respond to me.
December 8, 2025
Unprompted review
Reply from CreditCaptain
Hi Adam,
I just read your review, and I am so sorry for what you've described. Being charged multiple times while seeing absolutely no action on your account is completely unacceptable, especially after you purchased an additional service.
This isn't the experience we want for any of our members, and I want to step in and handle this for you personally, right now.
I'm looking up your account as I type this. My immediate priority is to understand why no work was started and to process a full refund for the charges you've incurred. You paid for a service you did not receive, and that needs to be made right immediately.
You can expect a direct email from me personally later today to confirm this has been handled. My only goal is to fix this for you.
Best,
Stephanie from CreditCaptain
I have been paying for services for 3…
I have been paying for services for 3 months. They haven't provided any services promised. I asked for cancelation and reimbursement. I only get ai asking me the same questions every time. They are stealing people's money.
Today is 12/15/2025 still no refund. no response through their site. absolute scam
December 8, 2025
Unprompted review
Reply from CreditCaptain
Hi Ralph,
I just read your review, and I am so sorry for the experience you've described. Paying for a service for three months and feeling like you received nothing, only to be met with a bot when you ask for help—that's incredibly frustrating, and it's not the standard we hold ourselves to at all.
I want to step in and handle this for you personally, right now. I'm looking up your account as I type this to immediately process your request for cancellation and a full reimbursement for those three months.
You should have been able to connect with one of our human experts, and I will be looking into why you were stuck in that loop. My only priority is getting this completely resolved for you today.
Best,
Stephanie from CreditCaptain
Scam! Don’t do it!
I signed up in September hoping to improve my credit a bit. Nothing has happened during that time. I’ve reached out every month for the last 3 months to have them cancel my subscription, and each time I just keep getting responses that ask about why I chose to join, or if I was sure that I want to cancel. This is even after I got fed up and specifically said that I’m not answering any additional questions and that I wanted my subscription cancelled immediately. It’s now December and I’ve been charged $130 yet again. This whole company is a scam.
December 6, 2025
Unprompted review
Reply from CreditCaptain
Hi there,
I just read your review, and I am so sorry for the experience you've described. It is completely unacceptable that you were given the runaround for three months while trying to cancel, only to be charged again. I understand your frustration entirely.
I am handling this personally, right now. I'm looking up your account as I type this, and my number one priority is to process a full refund for that recent $130 charge and make sure your subscription is cancelled, effective immediately.
You should never have to fight to cancel a service, and I will be personally looking into why your direct requests were not honored by our team. Please consider this matter resolved.
Here to help,
Stephanie
Rose was very helpful in the me the…
Rose was very helpful in the me the information I requested.
October 30, 2025
Unprompted review
Reply from CreditCaptain
Hi Mr CanAm Wiggler,
This is so great to read, thank you! I'll be sure to pass your kind words along to Rose—she will be absolutely thrilled to know she was able to help you. That dedication is why we have a 98% customer satisfaction rate! 😊
We're so happy to have you with us. If you ever have friends or family working on their credit, we'd be honored to give them the same great support.
Cheering you on,
Stephanie ✨
It is a good service and thank you guys.
It is a good service and thank you guys.
December 4, 2025
Unprompted review
Reply from CreditCaptain
Hey David,
Thank you so much for the kind words! It's fantastic to hear you're having a great experience—that's what we're here for.
We're thrilled to have you in the community! If you ever have friends or family who could use a hand with their credit, we'd be honored to help them on their journey too.
Celebrating with you!
Stephanie 🎉
I’ve been a member since Aug 10
I’ve been a member since Aug 10 . My dashboard hasn’t been updated once . When you reach out to customer service you get strung along with delays or promises of an astonishing dispute results that never come. I have demanded a refund monthly only to have a chat bot offer a reimbursement in delayed messages that you can’t respond to once it times out . I really don’t like being scammed so I have reached out to a consumer law attorney that agreed to rep my case . I have also connect other victims with my same att. I suggest everyone lawyer up this com is playing in your faces
December 3, 2025
Unprompted review
Reply from CreditCaptain
Hi Will,
I just read your review, and I am so genuinely sorry for the experience you've described. For your dashboard to go un-updated and your refund requests to be met with delays for months is a complete and unacceptable failure on our part. I understand entirely why you feel this way.
There is no excuse for the runaround you've received. I want to handle this for you personally, right now. I am looking up your account as I type this and am processing a full refund for your entire membership. This is my immediate priority.
You should never have to go to such lengths to get a resolution for a service that didn't work for you. I will personally email you a confirmation of the refund transaction once it has been completed today. My only goal is to make this right.
Best,
Stephanie from CreditCaptain
Scam!! won't stop charging even if you cancel
Charged for services after informing them to cancel.
Could not talk to.anyone. only a bot.
Terrible... No results.. 100% scam
November 30, 2025
Unprompted review
Reply from CreditCaptain
Hi Tyronza,
I just read your review, and I am so sorry for the experience you've described. Being charged after you asked to cancel and feeling like you can only talk to a bot is incredibly frustrating, and that is absolutely not the standard we hold ourselves to.
I want to step in and handle this for you personally, right now.
I'm looking up your account as I type this. My immediate priority is to get your subscription cancelled and ensure any charge made after your request is fully refunded. You should never have to fight to cancel a service, and I'll be looking into why you weren't able to connect with our team.
Here to help,
Stephanie
Reply from CreditCaptain
Hi there,
Thank you so much! I'm so glad you're finding the service helpful—that's exactly what we aim for. It's awesome to have you as part of our community of over 350,000 members nationwide. 🎉
If you know any friends or family also working on their credit, we'd be honored to help them on their journey too!
Your credit champion,
Steph
I paid for the $99 help and now I can't…
I paid for the $99 help and now I can't log in without going back through the credit card entry again. I'm not paying twice
November 30, 2025
Unprompted review
Reply from CreditCaptain
Hi Fred,
That sounds incredibly frustrating, and I get why you're concerned. The last thing you should see after paying for a service is another payment screen, and I want to personally assure you that you will not be charged twice.
This is usually just a temporary login glitch our team can fix in a minute. I'm going to look into your account right now to make sure everything is correctly applied so you can get logged in without any more trouble.
I want to get this sorted for you immediately. Our team is on standby via the live chat on our website to get you logged in right away.
Here to help,
Stephanie
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