CreditCaptain Reviews 757

This company is a complete scam as I've had this service since October and nothing has been changed in my credit report yet I've been charged every month since October. Also when you try to reach out to support you get the run around and they say they'll get back to you but never do. This was the worst mistake I've ever made. DO NOT USE THIS COMPANY. IT'S BEEN 90 DAYS WITH NO RESULTS. JUST MONEY DOWN THE DRAIN.

Stole my money. AI everywhere. DO NOT PAY THEM A CENT! Even their review responses from Stephanie are AI generated. They've stolen hundreds from me. Do yourself a favor and run. Don't look back. I'm waiting for a response. I hope to change this review. For now, they are a SCAM!!!

It's a scam. Don't waste your time or money. The app is dressed up like they offer authorized lines at cost. But it's not true. It's always an error. Just takes your money. I wrote "customer service" and got a response in literally a minute.

I signed up with this company several months ago, paid them, and was promised a $150K in tradelines to help me with my utilization. They never appeared on any of my credit reports despite making months and months of promises to me. I've been trying to work with them non-stop for months, and now they simply won't communicate with me at all despite my attempts to reach multiple people via their chat (they have no phone number, or refuse to share it.) They've completely ghosted me now for almost a month, leaving me no choice but to pursue legal action against them for a refund and take various other administrative actions and negative social media postings. Conveniently, they just charged me another $99 on my credit card, which charge is being disputed as we speak. I've given them every opportunity possible to fix this and they simply refuse to communicate with me. I'm canceling their charges and will be pursuing a refund of the amounts I've paid thus far. In my experience and personal opinion, this company is a scam. Don't waste your time or money on them. There are better options where you will actually get what you paid for. To Credit Captain - I suggest you reach out to me (I'm an attorney, btw) to avoid the lawsuit that I'm preparing against you. Don't think this is a bluff - it's not. You know how to reach me.

I SIGNED UP WITH CREDIT CAPTAIN
ON OCT 21,2025 AND NOW IT IS JANUARY 20,2026
I HAVE NOT SEEN ANYTHING
NOTHING
I AM NOW REQUESTING A REFUND FOR 1,300 DOLLARS

It's been more than 3 months to sign up with Credit Captain. The results are a BIG ZERO. They are not upto their promises and there's no real customer services, no real personnel to talk to only those stupid AI Robots.
Totally unprofessional and a big disappointment. i am going to claim a fraud request against them

Rip off don't buy

If I could give a zero star, I would. I have been trying for months to unsubscribe and not only am I being ignored and not given information to escalate my inquiry. But, my checking account keeps getting charged. There is no good way of connecting. The Harvey AI senses that I want to cancel and keeps saying that someone will get back to me in 1-3 days and nobody does. I'm extremely disappointed in this service and their lack of customer service.

Back in November I asked this company to cancel membership and refund my money they haven’t cancelled like I was promised.Also this company is still trying to charge my card after I stated that I want a refund.

Charged me a fee. Then charged another additional fee for something that should have been included in initial price. I couldn't even get verified on the app to get services. Kept emailing and waiting for a refund. It's a scam.

If I could give them a zero I would. They are scammers. Do not respond to messages from customers and avoid all questions

I have used them since October 10, 2024. There has not been ONE SINGLE update since then. I signed up for the $99/mo service, which is supposed to give me tradelines. There has not been any update to my file. Last update still says October 10, 2024. Nothing has been affected on my credit profile.

They only have AI chatbots, no real person. I email back and forth with someone, but it seems that they too are a bot.

They tell me that someone will reach out or connect with me, nothing. It's been months. DO NOT SUBSCRIBE to this!!!

Scam refuse to refund my money my account was closed in September 2025
But they still charged me 327.99

I ordered a tradeline 3 months ago still no tradeline and my credit profile has not been touched in 3 months. Im demanding a refund and all im getting are AI responses

I tried to contact CreditCaptain after I was compelled to switch banks. When I initially switched banks, I didn’t have access to my funds for over a month. So, I tried logging into my account but it wouldn’t let me login after 2 months or so. So, I guess it’s good that I only paid them for 1 month since they haven’t helped me at all. Then I ended reading all this information on how they are a scam company.

Total scam. You sign up for a subscription you cant cancel. No customer support.

Still waiting for a refund from them(see my other post). I've requested cancelation and refund several times and still nothing. Best part is they tried charging me again today. Complete and utter scam.

edit: 1/12/26 and still no refund and they are still trying to charge me

They’re a bunch of crooks !!

They don’t do jack shit but charge your credit card after numerous attempts to cancel their fraudulent membership they still charge your card !

Only way out is to cancel their fraudulent membership is to cancel your credit card which is pain in the ass !!

Pure fraud is what these aholes are !!!

Where is FBI when You really need them !!

They take your money, then do nothing with it and disapear.

Update on my previous review, it has been another month, nothing has changed I was also charged again for another month, my account was not cancled and I was not issued any refunds STAY AWAY!