Creditjoy Reviews 1,672

My collection was removed for a month and then another collection popped up again for the same collection different collector. I feel you are running a scam

The representative was vague and explained their services differently from what was outlined in the contract. He made it seem as though there was no chance the dispute would be denied, which was misleading. At no point did he mention that additional disputes or follow-up actions might be necessary. Overall, I ended up wasting $980, despite clearly explaining that I was already in a difficult financial situation.

The experience was amazing and Pedro assisted me perfectly!

Patient,kind, and helpful

About 6-8 months ago I called up 1 creditor on my FICO report to simply pay the bill. I gave up disputing it on my own and figured I’d just pay these thieves.
When I called to cancel the place was apparently closed (weekend) and the people that answered the phone were from a totally different company called Credit Joy. And let me tell you something, they are no joy. You’re so nice on the phone. They talk to me into what they called a guarantee to get this $618 cable bill removed from my credit report as well as tighten up a few other issues. They charge me $400 to get it started, and told me it would take a couple of months at $99 a month to get the item fixed. I jumped through all their hoops sent them my ID verified my address and also had to pay an additional 25 a month for a special credit report that they needed. after six months, I called them in frustration to cancel. It was so nice on the phone they convinced me that they were just about there as they sent out their second round round of letters any day now it’ll be cleared up. Well, it’s been three more months at $99 a month and nothing has changed on my credit report. Zero I spent over $1000 to clear up a $600 false cable bill. They are very nice people, but I recommend not using them. I asked them for a refund for the last two months where I was lied to again by the last representative. Oh no, we’re not able to give you any refund. Your account isn’t eligible for that.

I was duped by this company and charged $378 upfront for their services. I found out by law credit repair companies are not allowed to charge upfront for their services. I want to cancel and receive a refund.

My experience was great!!!!! More than 5 stars:) ⭐️

Pedro was very helpful. Thank you Pedro!

Pedro was informative helpful and encouraging. Gave me good information and detailed instructions on how to do it myself but presented his companies services and made me feel great about choosing credit joy to help resolve my issues

Excellent service , and great customer skills !

Donnie was amazing. Truly helpful

Easy to work with and very friendly

What made my experience great was shawntel! She was kind, patient, well informed and professional. The process was quick and not complicated at all. Shawntel went over the process with me so I can know what to expect. I’m excited to finally get my credit fixed. Thank you shawntel I hope I have the pleasure of being helped by you in the future if need be.

I had a great experience working with Nate on my collection debt. He was knowledgeable, patient, and took the time to explain every step of the process. Thanks to his guidance, I was able to resolve the issue much more smoothly than I expected. I truly appreciate his professionalism and support, and I highly recommend him to anyone dealing with collection debt.

Chantal was absolutely wonderful! She was extremely patient and kind. She took the time to get to know you and what you are looking to obtain with your credit problems. Chantal knows the options to help you in obtaining assistance with your credit problems. It was an extremely pleasant conversation with NO pressure! I am glad I made the phone call.

There a scam be careful..... They lie and what not also no links ever worked 1000% a scam. I even tried to cancel my contract I was tricked into which I was successful but they kept my money disputing with my bank currently

Krishne Was great and very friendly and helpful and has a cool unique

Ricardo was very helpful and explained things I didn't quit understand. Appreciate talking to him about my account. He was very polite and friendly.

Rene was wonderful, very pleasant and helpful. She gave me solid information and was professional and courteous the entire time.