Pros
- 20+ years of credit-repair experience
- Single, transparent flat plan
- A+ BBB rating
- Educational resources included
Cons
- No mobile app
- Limited weekend support
Veracity Credit Consultants at a glance
Veracity Credit Consultants is a 23-year-old credit repair company that helps consumers dispute inaccurate, outdated, or unverifiable items on their Experian, Equifax, and TransUnion credit reports. It offers a 90-day money-back guarantee, holds a Better Business Bureau rating of A+, and averages 3.8 out of 5 stars across verified customer reviews.
Veracity Credit Consultants operates under the federal Credit Repair Organizations Act (CROA) and applicable state credit-services laws. That means it can only charge you after work is performed, must provide a written contract with a 3-day right to cancel, and cannot promise to remove accurate negative information from your reports.
How Veracity Credit Consultants works
The process is straightforward and mirrors what reputable credit-repair companies do:
- Free consultation. You start with a no-obligation call where Veracity Credit Consultants pulls a soft copy of your three credit reports and identifies items that may be inaccurate or unverifiable.
- Sign up and pay the first work fee. Setup runs $99, and you authorize Veracity Credit Consultants to send disputes on your behalf.
- Disputes go out. Veracity Credit Consultants sends FCRA-compliant dispute letters to each credit bureau. The bureaus have 30 days to investigate.
- Escalation as needed. When the bureaus verify an item but you dispute the documentation, Veracity Credit Consultants sends debt-validation letters to the original creditor under the Fair Debt Collection Practices Act (FDCPA).
- Monthly progress reports. You receive updates on every removal, deletion, or update across all three bureaus.
Most clients see initial removals within 30–45 days and substantial results within 3–6 months. Anyone promising results in a week or two is misrepresenting how the FCRA works.
Pricing and plans
| Plan element | Amount |
|---|---|
| First-work fee (setup) | $99 |
| Monthly fee | $99 |
| Money-back guarantee | 90 days |
Veracity Credit Consultants's pricing is competitive with the rest of the top-tier credit-repair industry. If you stick with the service for the full 6-month average dispute cycle, expect total cost in the range of $693.
Pros and cons
What we like:
- 20+ years of credit-repair experience
- Single, transparent flat plan
- A+ BBB rating
- Educational resources included
What to consider:
- No mobile app
- Limited weekend support
Who Veracity Credit Consultants is best for
Veracity Credit Consultants is a strong fit if you have:
- Inaccurate negative items on your credit reports — late payments that were paid on time, collections you don't recognize, charge-offs from accounts that should have aged off, mixed-file errors where someone else's information appears on your report.
- Limited time to handle disputes yourself. The DIY route works, but it can absorb 5–10 hours per dispute round, and most consumers go through 3–4 rounds.
- A goal of improving your score before a major credit decision — applying for a mortgage, a car loan, or a small-business loan in the next 6–12 months. Repaired credit can save you tens of thousands over the life of a typical mortgage.
It's not the right fit if your credit reports are accurate and the negative items are recent. No legitimate credit-repair company can remove correct, verifiable negative information. If that's your situation, you're better off focusing on on-time payments, debt paydown, and credit-utilization optimization.
CROA compliance and consumer rights
The Credit Repair Organizations Act (15 U.S.C. §§ 1679–1679j) protects you in five key ways when working with any credit-repair company, including Veracity Credit Consultants:
- No up-front fees. Veracity Credit Consultants cannot bill you for work that hasn't been completed.
- Written contract required. You must receive a written agreement detailing services, total cost, and timeline.
- 3-day right to cancel. You can cancel within three business days of signing, no questions asked.
- No false promises. Veracity Credit Consultants cannot guarantee specific score increases or claim it can remove accurate information.
- Truthful disclosures. Veracity Credit Consultants must disclose your right to dispute items yourself for free at the credit bureaus.
If you ever feel Veracity Credit Consultants has violated any of these protections, you can file a complaint with the Consumer Financial Protection Bureau (CFPB) or your state attorney general.
Frequently asked questions
Is Veracity Credit Consultants legitimate? Yes. Veracity Credit Consultants has operated since 2003 and currently holds a BBB rating of A+. It complies with federal CROA requirements and state credit-services laws.
How long does Veracity Credit Consultants take to show results? Most clients see initial removals in 30–45 days and substantial results in 3–6 months. The FCRA gives the credit bureaus 30 days per dispute, so timelines compound across multiple rounds.
Can Veracity Credit Consultants remove accurate negative information? No, and neither can any other legitimate credit-repair company. It can only dispute items that are inaccurate, outdated, or unverifiable.
Does using Veracity Credit Consultants hurt my credit score? No. Disputing items on your credit reports does not affect your score, and disputes are not visible to lenders. Veracity Credit Consultants never applies for new credit on your behalf.
Can I cancel Veracity Credit Consultants? Yes. CROA gives you a 3-day right to cancel after signing. After that, Veracity Credit Consultants should allow month-to-month cancellation and offers a 90-day money-back guarantee if you're dissatisfied.
How do I reach Veracity Credit Consultants? Call 1-800-571-1709 for a free consultation.
Bottom line
Veracity Credit Consultants is a CROA-compliant credit-repair company with a track record going back to 2003. Its average customer rating of 3.8/5 reflects confidence in its 90-day money-back guarantee.
If you have inaccurate negative items on your reports and you'd rather pay a flat monthly fee than spend 30 hours sending dispute letters yourself, Veracity Credit Consultants is worth considering. Start with the free consultation to confirm there's enough on your reports for the service to make sense.
