Review
Credit Rx AmericaChecked by Vetteroo review
People with specific errors on their credit reports.
We check it out so you don’t have to.
Disclosure: Some links on this page are affiliate links. If you buy through them, we may earn a commission at no extra cost to you. We only recommend things we believe are useful. Read our full disclosure.
- What it is
- Pay-per-delete credit repair
- Best for
- People with errors on their reports who only want to pay for results
- Price
- $99 per item removed, per bureau
- Prices checked
- October 31, 2026
We researched Credit Rx America's official pricing, terms, product pages, help pages and outside reviews. We haven't used Credit Rx America ourselves, so this is a research-based review, not a hands-on test.
Who it’s best for
- People with specific errors on their credit reports.
- People who prefer pay-for-results pricing over a monthly fee.
- Military members (10% discount).
Who should skip it
- Probably not the best fit for anyone with many items, because per-item, per-bureau charges add up, or anyone willing to dispute errors themselves for free.
How it works day to day
This part draws on Credit Rx America’s own product pages, help center and documentation, read October 31, 2026 (listed under Sources). We haven’t used Credit Rx America ourselves.
Sign up, connect a credit monitoring account, and let the company dispute items with the bureaus; you are billed only for items that are removed.
Key features in use
- Pay-per-delete billing
- Inquiry removal
- Credit freeze help
- Spouse pricing
- Military discount
Setup and learning curve
Sign an agreement and keep three-bureau monitoring active.
Integrations
None.
Support
Phone (888-882-1961) and email (info@creditrxamerica.com).
Real-world use cases
- Disputing incorrect late payments
- Removing duplicate accounts
- Challenging inquiries
- Cleaning up reports before a loan
What it costs
Prices checked October 31, 2026, from Credit Rx America’s own pricing page unless noted. Prices change often, so check the official page before you buy.
- $99 per item removed, per bureau ($89 with a spouse).
- $50 per inquiry removed and $50 per credit freeze.
- No upfront or monthly fees; 10% military discount.
- You must keep paid three-bureau credit monitoring (it suggests MyScoreIQ, from $1 to start).
What we like
- No upfront or monthly fees.
- Its own disclosures say you can dispute errors yourself for free.
- BBB A+ rating.
- Military discount.
What to watch for
- $99 per item per bureau can add up quickly.
- Requires paid credit monitoring.
- Six-month term that can auto-renew in some states; 60 days' notice and up to a $250 fee to cancel late.
- No Trustpilot reviews (checked October 31, 2026).
The fine print
- You can dispute errors on your credit reports yourself for free with Equifax, Experian and TransUnion, and get free reports at AnnualCreditReport.com. No company can legally remove accurate, current negative information. Federal law bans credit repair companies from charging before the work is done and gives you three business days to cancel. Credit repair companies draw many consumer complaints, so read the contract before you sign.
- Cancel within 5 days for free; after that, 60 days' notice and an administrative fee of up to $250 may apply.
- Its contract requires binding arbitration and bars class actions.
- Legitimacy signals we found: Credit Rx America, LLC is a Wyoming company with Indiana offices; it lists a $10,000 Virginia surety bond with Hudson Insurance; the BBB rated it A+ as of October 31, 2026; its Trustpilot page was unclaimed with no reviews.
The main alternative: Credit Saint
Credit Saint is a long-running credit repair company that charges monthly fees and offers a 90-day money-back guarantee.
What it costs: Credit Polish $79.99/month plus a $99 first-work fee
Pick Credit Rx America if you…
- have only a few specific errors.
- want to pay only for removals.
- are in the military.
Pick Credit Saint if you…
- have many items to dispute.
- prefer a flat monthly fee.
- want a money-back guarantee.
Our take
Credit Rx America's pay-per-delete pricing is fair for a few clear errors, but try free disputes first and read the auto-renewal and cancellation terms.
Side by side
| Company | Best for | Starting price | Trial / refund |
|---|---|---|---|
| Credit Rx America Checked by Vetteroo | People with errors on their reports who only want to pay for results | $99 per item removed, per bureau | 5-day cancellation; no upfront fee |
| Credit Saint | People who want monthly credit repair with a money-back guarantee | Credit Polish $79.99/month plus a $99 first-work fee | 90-day money-back guarantee |
From our company records. Check the official pages for current prices.
What we checked
- Credit Rx America's pricing, product pages and terms, read October 31, 2026
- Trustpilot, searched October 31, 2026 (no usable score for Credit Rx America)
- Credit Saint's details: read on its official pages on October 31, 2026 (comparison only; not reviewed)
- The other official and outside pages listed under Sources (links checked October 31, 2026)
Sources
- Credit Rx America (official site)
- AnnualCreditReport.com
- FTC: disputing errors on credit reports
- CFPB: how to dispute a credit report error
Ready to try Credit Rx America?
- $99 per item removed, per bureau
How we review
We read the company's own terms, test the sign-up or booking steps where we can, and compare it with alternatives. A commission never changes what we write. Read our disclosure.
Disclosure: Some links on this page are affiliate links. If you buy through them, we may earn a commission at no extra cost to you. We only recommend things we believe are useful. Read our full disclosure.