About Credit Solution Program

Founded by Mike Roberts and based out of San Francisco, CA, The Credit Solution Program is a credit repair course that claims to give you an “action plan” for improving—and maintaining—your credit rating. According to company’s website, the difference between “good” and “great” credit can cost you hundreds or thousands of dollars over the course of your lifetime, and they want to help you take control of your financial future.

The Credit Solution Program is not listed with the Better Business Bureau, though the operating company—Smart Consumer Solutions, LLC—does hold an A- rating, based on one filed complaint. There are not a wide variety of online customer reviews about The Credit Solution Program, though the ones we did find often complained about using a “bait and switch” technique of luring you into paying for your credit report, and signing up for a monthly subscription for their service.

How the Credit Solution Program Works

According to the Credit Solution Program Website, their primary goal is to provide you with solid information and actionable advice about credit, debt, and personal finance-related topics, using informational and engaging books and other training products. The company claims that a great credit score can help you get great car and home loan rates, as well as fast credit card approvals. As such, there are three different options to help get you started.

When you first land on the Credit Solution Program website, you’ll see a link for a “5-Step Test.” If you decide to answer these few questions, you’ll then be sent an email that includes your Financial Health Score. When you receive and review this information, be sure to keep in mind that there is no accurate way a third party could provide such an in-depth analysis about your financial situation, using only the few basic questions from the “test.” So, take this information with a grain of salt.

Next, you can also obtain the Credit Solution Program’s Starter Kit completely free of charge (just enter your email address again further down the page). You’ll then be given access to six credit-related videos, such as:

  • Your Big Reason Why
  • 5 Rules of Great Credit
  • Know Your Consumer Rights
  • Better Credit the CSP Way
  • Goodwill Adjustments
  • Dealing with Debt Collectors

Each video will include resources and tips for expanding your knowledge on each topic, and you’ll also be automatically signed up for The Credit Solution email newsletter.

Finally, you can also choose to pay for the full Credit Improvement Solution program (more about this in the next section), which claims to provide you with 5 primary benefits:

  1. You’ll understand the importance of your credit, and how it can impact almost every part of your life.
  2. You’ll recognize the factors that can increase or decrease your score.
  3. You’ll have learned how to understand and classify each portion of your credit report.
  4. You’ll know how to create an action plan to regain control over your finances.
  5. You’ll implement a strategy to keep your credit score high.

The Credit Solution Program Pricing & Refund Policy

While the Basic program is free and will get you well on your way toward improving your credit, if you decide you’d like more information, their Credit Improvement Solution program costs $47, and includes:

  • The Credit Solution Program e-book – includes sections titled “Credit from Scratch” and “Divorce & Credit,” as well as a thorough FAQ.
  • The Success Journal – a 106-page manual that helps you create an effective game plan for improving your credit.

The Credit Improvement Solution program comes with a 90-day, 100% satisfaction guarantee. If you’re dissatisfied for any reason, simply email customer service at support@thecreditsolutionprogram.com to begin the process. If you run into any problems, their FAQ is fairly detailed.

Pros

  • Appears to be a decent way to learn the right steps to take in order to begin repairing your credit.
  • 90-day, 100% satisfaction guarantee.

Cons

  • Most of the information contained in The Credit Solution Program can be found elsewhere for free.
  • The program provides information only. In other words, it will be up to you to take action, and a great degree of your success hinges on your negotiating skills and persistence.

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8 Customer Reviews for Credit Solution Program

Average Customer Rating: 3.5
Rating Snapshot:
5 stars: 4 4 stars: 0 3 stars: 1 2 stars: 2 1 stars: 1
Bottom Line: 50% would recommend it to a friend
Showing 1-8 of 8
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  • Useless

    • San Diego, CA,
    • Apr 13, 2016

    This is so bait and switch, I am amazed Mike Roberts has been making this pitch for so long, this implies he is making money. We get lured to watch this video the banks don't want us to see and boost your credit score 250 points. Once there, he backs down a bit, claiming 175 points. But, of course, this isn't achieved by watching this link. We first have to tell him about personal data in our lives, give him an email address, and basically buy into his program.

    Coming to this site, we do find a couple of positive reviews: ones so obviously written by the company. People just don't talk (write) like this. People wouldn't give links to "customer service." I venture to say that EVERY POSITIVE REVIEW is written by an insider. This being said, if you have never read anything about how the credit system works, there are a few things you can glean from this. Don't even offer the $1 though.

    ALSO, and this is important: the bait to get us to his site, that banks don't want us to know is ludicrous. It is in the banking industries best interest for everyone to be concerned with their credit scores.

    Bottom Line: No, I would not recommend this to a friend

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  • 23 out 23 people found this review helpful

    Unfulfilled promise on step 1 and crummy customer service.

    • AZ,
    • Dec 16, 2015

    This guy, Mike Roberts lures you in with a promise of "all three credit scores for $1". I signed up and got my Trans Union score, but they wanted me to upgrade (more money) in order to get the others. I declined, but apparently, there's fine print to the effect that you're actually subscribing to an automatic subscription which will cost roughly $18 a month. I discovered this on the day my mortgage payment was declined for insufficient funds because of this unauthorized draft. I was furious, and Trans Union cancelled my subscription and returned my money.

    When Credit Solutions Program's "Customer Experience Manager" Jared Cohen e-mailed me to introduce himself, he didn't bother to inquire about my experience. He was trying to pitch me the Credit Solution Program. I replied to him personally, expressed my frustration and I suggested they be more up front about what folks were getting for $1. That would be a good start.

    I got this smug reply:

    Hi Mike,

    I am sorry to hear that you feel this way. Thank you for taking the time to share your feedback. We greatly appreciate it!

    Best Regards,

    Jeannine

    Can customers, in fact, get all three scores for $1 as promised? If so, I would have expected the Customer Experience Manager to show me how instead of saying "Sorry, Thanks, We appreciate it, Best Regards!"

    How much more will this Mike Roberts guy promise? I decided not to find out. I'm glad I had this experience before I committed another penny to the Credit Solution Program. Most of his follow up e-mails just repeated stuff I've heard before.

    Bottom Line: No, I would not recommend this to a friend

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    • Jan 24, 2016

      Michele long

      Hi Elizabeth.

      Thank you for your honest and candid review of Mike Roberts credit program. I haven't purchased the program yet. Do you mind if I ask what items you already researched that were in the program? And does the kit provide steps dealing with collection agencies to have your name removed? Thanks for any advice you can offer. I appreciate your time.

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  • 22 out 23 people found this review helpful

    Nothing New

    • Jun 26, 2015

    I am "on the road to recovery" with my credit. My husband received an email about this program. We decided to buy it as it promised new ideas to help improve your credit scores. Upon reading the information, I found nothing new. EVERYTHING they recommended I've done and are widely available elsewhere. If you've taken no steps related to your credit, give it a try. Otherwise, it's probably nothing you don't already know.

    Bottom Line: No, I would not recommend this to a friend

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  • 19 out 23 people found this review helpful

    Coaching, Motivating and Inspirational

    • Olympia, WA,
    • Apr 26, 2015

    I am a 56 year old, who went through a divorce, my husband wrote the papers and as the obedient person I was, I just signed. I always as a wife, just let my husband tell me what to do, and never involved in my finances or theirs. They took it all and did it all. Because I married young and grew up in the age, that marriages were supposed to last and women didn't plan on this happening, not looking out for myself, requesting to go to school and get a degree, but always told no, because they were financially secure and I didn't need to be. Then left and here I am. I have made some huge mistakes and have also been taken advantage of by being too trusting of those that knew what they were doing and had the power. I was too naive.

    This brings me to my review. I have been trying to learn about credit, and trying to revive my score but have been truly ignorant. Mike's emails have been short, inspirational and encouraging and contain simple steps to help me learn skills I need to have. I have learned a lot and this has not cost me any thing. I believe that this young man is one of the great humanitarians to the American population, that because of circumstance to do not have the power that those with money do. I would highly recommend this website. I am working on it, and inspired that even if I won't be where I was, I will still be okay. Thank you.

    Bottom Line: Yes, I would recommend this to a friend

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    • Sep 9, 2015

      Robert Ballesteros

      People do not give value to financial literacy at all. New immigrants here in the US are too naive to know this for themselves and they'd rather pay an expensive financial adviser or a lawyer to fix their minor financial issues and for their own education and knowledge. To me, for this amount of $47.00 weigh a lot less than the benefits. It gives me in the long run of saving me thousands of dollars if my credit score is not raised up to what the lenders and other insurances expect me to have.

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  • 14 out 16 people found this review helpful

    Great information

    • PA,
    • Jan 10, 2015

    I was surprised the free data was excellent. He provide PDF files to help with letter writing. I have been working on issues for years, I have file legal work and such. Sites like this are great cause it allows me to do what I need to do and not rely on others or pay high fee's for services.

    I worked with a lawyer a few years ago and like normal, most the work was done by his assistant. Well the results were horrible and the lawyer caused more harm with his filing before all was worked out properly and the data they claim would be right was not.

    I will be working with this well layout program and get results as it was how I did most of the work in the beginning myself. Which was correct as I followed other web sites for help.

    Jim

    Bottom Line: Yes, I would recommend this to a friend

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  • 20 out 21 people found this review helpful

    The Credit Solution Program

    • Los Angeles, CA,
    • Nov 9, 2014

    Mike Roberts has managed to take the daunting, confusing world of trying to repair my credit and distilled the information down into clear, manageable, actionable steps for people who don't repair credit for a living (which I don't). More important, he EXPLAINS the way the whole confusing legal mumbo jumbo works and how it can work to your benefit if you know how to take certain steps in a certain order using the Law to support your process of credit improvement. My credit was a MESS after going through a bad divorce then taking a personal credit hit when the economy turned and I lost my business. It's been a process to deal with fixing everything on my credit reports but his system has made it so much easier to do. I started with the free system, watched the videos which are to-the-point but delivered in a fun way. I learned more about different aspects of how my credit is or can be affected by things like filing bankrupt (which I thought about), buying a car, house, how balances on credit cards affect your scores, etc. I stayed proactive in repairing my credit using his methods and got great results. If you get the program and follow it, it does work. Just make the commitment to be proactive in fixing your reports and higher scores follow as you go along.

    Bottom Line: Yes, I would recommend this to a friend

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  • 12 out 14 people found this review helpful

    Good.

    • Liberty, NC,
    • Oct 5, 2014

    It has helped me even though I never paid anything.

    Bottom Line: Yes, I would recommend this to a friend

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  • 42 out 46 people found this review helpful

    Good information on your credit

    • Winder, ga,
    • Mar 26, 2014

    Did not buy the program, but very helpful information on your credit and how to improve it.

    Bottom Line: No, I would not recommend this to a friend

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