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.

4 Customer Reviews for Credit Solution Program

Average Customer Rating: 4.5
Rating Snapshot:
5 stars: 3 4 stars: 0 3 stars: 1 2 stars: 0 1 stars: 0
Bottom Line: 75% would recommend it to a friend
Showing 1-4 of 4
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  • 4 out 5 people found this review helpful

    Great information

    • by James McQueen,
    • 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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  • 9 out 10 people found this review helpful

    The Credit Solution Program

    • by Susan Awe Grossman,
    • 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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  • 6 out 7 people found this review helpful

    Good.

    • by Richard a Chestna,
    • 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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  • 33 out 35 people found this review helpful

    Good information on your credit

    • by Nathan knight,
    • 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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Showing 1-4 of 4

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