Credit Monkey - Review

Credit Monkey Review

Credit Monkey Review

A credit repair company can boost your credit score instantly by removing negative items from your credit report. However, many people find them expensive to use. Credit Monkey works differently. This is the Credit Monkey review. Credit Monkey can instantly boost your credit score by 120 points without hidden fees. There is no enrollment fee and you can use the service for only $99 per month.

Credit Monkey can help you clean up your past and work toward a better financial future. They are staffed with credit professionals who know how to work for you to get your credit score back to where it should be. They work with the three major credit reporting bureaus to adjust your credit score while you sit back and relax. Here is everything you need to know about Credit Monkey and how they can help instantly boost your credit score.


Who is Credit Monkey?

Credit Monkey is a credit repair service that can instantly boost your credit score once you sign up. They have special software that goes over every item on your credit report and disputes any negative items with Experian, Equifax and Transunion. These are the three major credit reporting bureaus that generate your credit report. It’s important to find a service that will work with all three companies to make sure that your credit reports match. You could always try to do this by yourself, but we recommend you leave it to the experts. This is especially true if you have many items on your report that need to be removed!Close

Specialized Product and Service

Credit Monkey makes it very clear that they offer a specialized product and service. They have been in business since 2010 and are headquartered in Delaware. However, the company’s teams are distributed across the country. Their sales team is in Texas. The legal team is based in New York and the customer service team is located in California. They offer a free consultation to determine whether they can help you. During this meeting, you’ll talk with a manager about your credit situation and how their software and services can help. All of their staff is certified in-house and they go through extensive training and screenings. This means you are guaranteed to speak to a professional financial advisor every time you call.


The team at Credit Monkey makes it easy for you to utilize their service. You can sign up using any mobile device by visiting their website. The team gets started right away after you endorse the electronic agreement and upload all required information. They immediately start preparing disputes on your behalf against the three major credit reporting bureaus. Whereas most companies take months to deliver results, the team at Credit Monkey promises results within ten days. They do this by using the most high tech software available. Every time your credit report changes, they will contact you and conduct a 20 to 30 minute call to discuss the changes and plan for the next bout of disputes.

Credit Monkey keeps you well-informed and teaches you how to make better decisions.

You’ll be assigned a dedicated account manager as soon as you sign up. He or she can help you make decisions and will advise you on your progress. They will also send you instructions on how to get your credit reports from the three credit reporting bureaus. You’ll be asked to register and run a Credit Wizard program where you’ll be given access to a live personal account manager. You’ll also be given access to your credit reports, an online dashboard, real-time progress reports, and a score tracker. All information is stored on the cloud, which means that you don’t have to worry about backing it up or losing your information. Your dedicated account manager will also keep in touch with you by texting, calling or emailing when changes are made.

$99 monthly

Negative items and unlimited disputes

$199 monthly

Negative items + inquiries + unlimited disputes

$299 monthly

Negative items + public items + inquires + unlimited disputes

Why You Should Choose Credit Monkey

Along with cleaning up your past, Credit Monkey provides you with tools to make sure you make better choices in the future. They are staffed with professionals who know which items on your credit report are bringing your score down and how to get them off. Their professional staff knows the law and will work with the three major credit reporting bureaus to dispute any items that may negatively affect your credit score. Unlike other credit repair services, Credit Monkey does not nickel and dime you by charging for each individual dispute. They allow you to sign up without an enrollment fee and guarantee results before six months.

Don’t Fall For A Scam

Credit Monkey offers a money back guarantee to ensure that you’re getting the best service possible and not falling for a scam. The company identifies more as a financial technology firm than a credit repair service. They were ranked as one of American’s fastest growing companies as a financial technology firm by Inc. Magazine for five years in a row. The company believes that their results speak for themselves. They do not mail dispute letters or fuss with paperwork, faxing, or emailing. They also offer a $1,000 money back guarantee if you’re not satisfied with their services and promise same day service (within 24 hours of signing up).

Credit Monkey Guarantees

Here is a list of some other guarantees that Credit Monkey offers:

  • $0 enrollment fee
  • $99 per month
  • Permanent removals
  • $1,000 guaranteed money back if Credit Monkey fails to do their job
  • Guarantee approval for an auto or home loan or your money back (no other company in the business offers this guarantee).

We like that Credit Monkey guarantees permanent removals from your credit report. This is important because most companies can’t guarantee this. Other companies might be able to remove an item from your past credit history, but there is no guarantee that it won’t show up on your report again in the future. After all, why would you pay a fee for a service to remove items from your report if they are just going to show up again one day?

The Credit Monkey Promise

Credit Monkey promises that items that are removed from your credit report will never come back. This means that you won’t have to worry about your credit score dropping again once you work hard to get it back up. They do this by using real time credit tracking software that allows them to track the status of all your accounts. Their software syncs directly to the credit bureaus and is FCRA compliant. Other companies send dispute letters, but this takes weeks and even months to work. This means that you have to continue to pay them for months of service without seeing results.

How Does Credit Monkey Work?

Research shows that a single negative item on your credit report can bring your score down by a whopping 120 points. This can be the difference between getting approved for a loan or a credit card and being denied. A low credit score means you might be denied an auto loan or a house. This is why it’s important to improve your credit score. For many people, their credit is held back by mistakes that were made in the past. You can dispute these negative items with the credit reporting bureaus yourself, but it’s best to leave it to the experts. Otherwise, you can waste a lot of time and money trying to remove items from your report without success.

Here is a step-by-step guide to how Credit Monkey works:

  • Sign up online at Credit monkey website and log into your secured client access account
  • Set up an identity IQ and upload your documents
  • Credit Monkey will send you a digital agreement. Sign this and return it.
  • Choose your monthly payment option and then open up to 10 active credit accounts.
  • Credit Monkey will get to work right away!

Clean Up Your Past, Monitor Your Progress

Credit Monkey helps you clean up your past, monitor your progress and help you restore your future credit. They work aggressively with the credit reporting bureaus to remove any negative or unfair items from your report. One negative credit item may reduce your score by 120 points. Removing them helps boost your credit score so that you can get back to being approved for major purchases. Then they help you monitor your progress around the clock. They set you up with a client portal that you can access online 24/7. Credit Monkey will send you reminders when they hit key targets. This includes dates and credit changes. You’ll be able to watch your credit score go up right before your eyes.

Helpful Resources

Credit Monkey also gives you access to helpful resources that can help you boost your credit. They have more than 500+ free credit education videos on their website. They also have blogs and articles that can help boost your credit score. You can also meet with your dedicated blog manager to get tips on how you can better manage your finances in the future based on your past spending habits. Finally, Credit Monkey helps you build up so that you don’t even need their services again!

Build A Solid Foundation

They will help you build a solid foundation that you can continue to improve upon in the future. They’ll show you how to move forward with healthy tradelines and activity by guiding you through the credit process. Their goal is to make sure you understand how credit works. After they remove items from your report, they will work hard to ensure you have the tools needed to keep moving forward and improving your credit score. The only service fee they charge is $99 per month. There are no enrollment or hidden fees, and you can use them as both a resource and a credit repair service to get back where you need to be.

Credit Monkey Review – Pros and Cons

A credit repair company holds its value because it boosts your credit score, and there is no price you can put on that! However, credit Monkey is so much more than that. They are equipped with the highest level of technology to ensure that negative items won’t make their way back to your report once removed. Their software is synced directly to the three major credit reporting bureaus so that you can track your changes and improvements as they happen. They also provide you with resources and a knowledgeable staff that will help you continue to boost your credit score after you’re done with their services.

Money Back Guarantee

Credit Monkey offers extensive money back guarantees. This means that you have nothing to lose if you decide to try it. They promise that you’ll be approved for a home or auto loan after using their services or you’ll get your money back. However, many people think that a credit repair service company is not worth their time because they can dispute these challenges themselves. This requires hours of your time preparing dispute letters and then months on end waiting to hear back from them.

One of the benefits of working with Credit Monkey is that you don’t have to do this. They hook their software up directly to the credit reporting bureaus and track your progress as you go. It’s an ideal service if you have many negative items that need to be removed. If not, then you may not need it. Here are some pros and cons of the service.

Credit Monkey PROS

  • $0 enrollment fee (other companies charge you money to sign up)
  • No hidden fees
  • $99 monthly fee, which is much lower than what other companies charge
  • Credit Monkey has advanced software that other companies don’t (they can sync their software to the credit reporting bureaus to track your progress)
  • You’ll be assigned a dedicated account manager who tracks your account and updates you on changes
  • You can access your account online 24/7
  • There is a free consultation to help you decide if their services are right for you
  • They provide you with helpful resources to make sure you keep your credit score up once you’re done with their service
  • All negative items that are removed are guaranteed to stay off your report forever (other companies can remove these items, but they may find their way back onto your report later)

More Pros…

  • They do not place an inquiry on your credit report when you sign up
  • Certified to operate in all 50 states
  • They promise results within 10 days (most companies take up to six months before you see results)
  • No contracts and you can cancel your service anytime
  • BBB accredited service
  • Credit Monkey helps you build your credit by setting up as many as 10 active credit accounts
  • They are staffed with in-house professionals who know the law and can help remove negative items from your credit report better than you could by yourself
  • You can choose from three tiers of services

Credit Monkey CONS

  • The monthly fee can be high to use their service if you choose the $299 per month plan. However, most companies charge more than this and don’t promise results. Credit Monkey also does not charge an enrollment fee. They use superior technology and are staffed with experts who can help. Plus, there are no contracts and you can cancel your membership at anytime. If you’re not satisfied, remember that there is a $1,000 month back guarantee.

How To Apply Credit Monkey

To apply, you’ll need to visit the Credit Monkey website. The website will walk you through their service using a step-by-step guide. The first thing you’ll need to do is Get Started.

You’ll need to enter the following details: Your name, Phone number, Email address, Address, Social security number, Date of birth, Your monthly payment plan ($99, $199 or $299 per month).

Sign In Through Your Portal

Next you’ll be able to sign in through your portal and follow the steps provided by your dedicated account manager. Remember that you can do a free consultation before applying to determine if this service is right for you.

Credit Monkey uses a four-step process to help repair your credit and then build a foundation for the future. They use superior software that syncs with the three major credit reporting bureaus to track your changes as they knock negative items off your report. Credit Monkey also guarantees that these items will not return to your report in the future.

The Tools You Need

They provide you with the tools you need to help make better financial decisions going forward to ensure your credit score remains in good standing. They also guarantee that you’ll be approved for a car or auto loan after their services. You can choose from three payment options that range from $99, $199 and $299 per month. We recommend doing a free consultation with them to determine if they are a good fit for you before signing up.