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Credit Team USA

Is This Your Business?
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5.1

Overall Score

Author: Jenna Vasquez

LAST UPDATED: August 4th, 2021

Headquartered in Washington, Credit Team USA has been working in the credit repair industry since 1997 and has over 50 years of experience among its staff. They run from several offices across the country and operate on a starting fee of $69.99.

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The Good

  • 20% Discount for Active Duty Military

Team Credit USA offers a handsome discount to those currently serving in the armed forces, and has a web page brimming with positive customer testimonials. However, customer testimonials can be difficult to test in terms of legitimacy.

20% Discount for Active Duty Military

All those who actively serve in the armed forces receive 20% off all credit services. That not only includes the active personnel, but their spouses as well. When you begin your credit restoration services, they will ask for a copy of your Active or Dependent ID if you wish to apply the discount.

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The Bad

  • Little Upfront Price Info 
  • No Guarantee Until After Nine Months 

Credit Team USA customers can begin to get services at $69.99 but its website doesn't give details regarding price. This can be discouraging in that other top credit repair companies give you multiple pricing options upfront, so making comparisons is difficult. Its warranty also doesn't take full effect until after nine months of service, which can be a turn-off for some who might want to opt out of its services earlier.

Little Upfront Price Info

The website doesn't offer much pricing information. It seems as though you need to contact the company with your name, email, zip code and phone number before you can acquire more information on pricing.

No Guarantee Until After Nine Months

After nine months of their services, Team Credit USA will value each deletion at $75, and if the price paid for their services overreaches the value of your deletions, they refund you the difference. Warranty expires 45 days from the end of the contract and the warranty can be voided if customers don't forward credit reports in a timely manner.

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The Bottom Line

Team Credit USA's discount for military personnel could definitely be worth a closer look for customers currently serving in the armed forces. However, the lack of upfront price info makes it difficult to compare to industry competitors, and the length of the warranty is less than impressive. Unless you're currently serving in the military, it might of more worth to look at other industry competitors. 

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Star Rating

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4.1

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10 Reviews

Review Breakdown

5 grade

70%

4 grade

10%

3 grade

0%

2 grade

0%

1 grade

20%

Sentiment Criteria

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Dan borruel Burbank, CA

I obtained this companies service for a second time earlier this year (the first time great experience.) I'm not sure what happened, but it seems the company is being solely run by the "President" Ron B. I started my service in February, with the promise of updated progress reports on the status of the repairs promised. Well, 3 months went by and after email and phone calls with no response I asked for a "partial refund." The service was good for 9 months, so to be fair I offered to pay for the 3 months that they supposedly did work in. I spoke to Ron on the phone and he scoffed at me when I asked for a refund followed by a "good luck with that." I am not proud to have also lost my cool on the phone conversation, but understandable when you have to deal with this man. You're also signed up for something called IDENTITYQ, a website used to monitor and consolidate your credit reports. Ron changed my password and started doing hurried work to make it look like my claims were falsely met. I'm pretty sure that may be illegal, if not extremely unethical. Since then, Ron has acted like our heated phone call/emails/request of refund/cease of service never happened and sent me a report. Ron then changed the dates looking like he did the work in the first three months in retaining his service. Not the case at all! So to conclude, Ron has since then offered me 75 dollars back of the 450 spent, as he stated in the most recent email "to make this go away." Apparently this man is very stubborn, or the company must really not be doing well to be fighting a battle over this amount of money. I have seen other reviews of this business on Trust Pilot and other sources singing the same story as I. All with Ron's name included. I am not a vindictive person, but I would like to warn others in dealing with individuals such as this man, especially when it has to do with your credit! So Ron, please do the right thing and return the money owed to the people you have failed to provide service to!

5 years ago

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Mannie De La Rosa Seattle, WA

Pure scamming. Ron, will be super friendly before charging you, after that, good luck getting hold of him. I first hire them on Jan 2021, now it’s August and I have 0 proof they have worked on my case. He does not answer phone calls or emails. I’m sure tons of 5 stars reviews are fake. I have documented everything, emails etc, because this guy cannot be around scamming people. It’s been very exhausting so please do not give your money to these people.

5 years ago