45daycreditgroup Reviews 5

These people are full of it they will promise they will get score up by 150 points and will never call you in 3 months. However they will take your payment on time every month. Please please don't use this company they are horrible.

45 Days? More like 180+ days and still very little done. They guarantee at least 150 point increase over all 3 credit bureaus total and then missed it by nearly 60 points.

They then called me and said we can do a second round and will ask you to pay the remaining of the balance ($1,500 in total) and they will get the rest removed. Let's just say I turned them down. They asked me if I could also write a positive review on my experience..obviously i'm giving them 1 star, so thats a no.

Nothing they said they would do has happened and they don't seem eager to do anything.

The only time they seem SUPER eager to do anything is when your monthly payment is due. They will call you at least 5 times the day its due to make sure you're going to pay them.

I strongly suggest that you DO NOT use this company. They have no interest in following through with their promises and only want to collect your money.

AVOID AT ALL COSTS!

45 day credit group are not a company to be fraud don't trust it. I've charged a amount of $750.00 and I have not seen no change in my credit score they cannot proof and dispute letters when. they cannot give you any type of back up information or proof of what they said to accomplish. there is no way to check your status of any kind I highly recommend not to use 45 day credit group for any of your credit repair issues be careful thay will scam you out of your money BE CAREFUL!!!!!!

This company is a total scam. They claimed they sent one dispute letter and had to wait 90 days but still charge you $150 each month. My credit score dropped and they could not explain to me the process of disputing any item on my report. I don’t believe they even sent one dispute letter. A very expensive mistake using this company.

DON’T WASTE YOUR TIME, MONEY, EFFORT OR CREDIT SCORE!!!!
THIS COMPANY IS A SCAM!!!!
I first saw the ad for this scam of a company on a Facebook ad and I should have just disregarded it. When I first called (45 Day Credit Repair Company) a man answered the phone he was so nice and polite while he was selling me the fake truth. Well It was everything I wanted to hear. “No charge until after the 45 days and if it doesn’t raise my credit score up by 150 points I could just cancel it. But he did ask for my bank information because they charged a fee for getting you set up. They also charge a fee of $150 a month once your score increases by 150 points. But when I ask him how long I would have to pay the $150 a month because I’m on Social Security he started kinda trying to confuse me telling me well this and that and couldn’t give me a straight answer.. So I should have hung up on him right then. Which by the way this should have been my first big red flag warning, screaming run don’t walk but get away from this so called company. Then what happened oh yeah he took his small fee out but he also took two not one but two $150 withdrawals out of my bank. Which messed up my bank account because I did not know it was coming out and it overdrew my account. So I immediately called him and ask him to please put my money back. Which he then informed me that he could not do that. I told him to cancel the program. It was more than I was told it would be and it wasn’t supposed to be taken out especially back to back. It wasn’t supposed to be taken out until my score was raised up by 150 points and my credit score had dropped significantly. I also told him that I don’t like people to lie to me. That I just wanted it canceled right then. That’s when he told me I wouldn’t be able to cancel it. Why could I not cancel the program that was my question.
I informed him that I had also receive two letters one from TransUnion and the other one from Equifax telling me I could do the exact same thing and if the company is charging me then it is a SCAM and don’t use them because they would take money for nothing that both Equifax and TransUnion would help walk me through any kind of help I needed for free. They said that they don’t have the right to change anything in my credit report.
So my bank was able to stop anymore money from coming out but they could not give me back what they had already taken. Then yesterday May 18, 2026 I received an email from them threatening me to sue me.It said that they were going to sue me for their money. Well I feel they got enough for doing absolutely nothing except making my credit score drop.
Also I was treated very rude and dismissive. I was also threatened by them.
But one thing that really bothered me was they had me make a profile and set my account up on their guidance. They gave me the username and password to use to set up the my personal account because then they could get into my account and have full access to it. Well I started trying to delete this account and it would not let me delete it the account on their website imagine that. But I found away around I changed the email address. I always had an uneasy feeling about them I should have listened to that little voice inside my head. That was a $300 mistake.