90 Day Credit Experts Reviews – Do They Offer Credit Counseling?

In today’s fast-paced financial landscape, credit health is more critical than ever. With rising inflation, fluctuating interest rates, and economic uncertainty, millions of Americans are struggling to manage their credit scores and debt. Companies like 90 Day Credit Experts claim to offer solutions, but do they provide legitimate credit counseling? Let’s dive deep into their services, customer experiences, and whether they can truly help you rebuild your financial future.

Understanding Credit Counseling and Its Importance

Before evaluating 90 Day Credit Experts, it’s essential to understand what credit counseling entails. Credit counseling is a service designed to help individuals manage debt, improve credit scores, and create sustainable financial plans. Reputable credit counseling agencies are often nonprofit and certified by organizations like the National Foundation for Credit Counseling (NFCC) or the Financial Counseling Association of America (FCAA).

Why Credit Counseling Matters in 2024

The post-pandemic economy has left many households in financial distress. According to recent data:
- Credit card debt in the U.S. surpassed $1 trillion in 2023.
- Interest rates on loans and credit cards continue to rise, making debt repayment harder.
- Student loan repayments have resumed, adding pressure to already strained budgets.

In this environment, professional credit counseling can be a lifeline—but only if the service is trustworthy.

Who Are 90 Day Credit Experts?

90 Day Credit Experts is a credit repair company that promises to help clients improve their credit scores quickly—often within 90 days. Their services include:
- Credit report disputes (removing inaccurate or outdated negative items).
- Debt validation letters (challenging unverified debts).
- Credit score monitoring and improvement strategies.

But do they offer credit counseling? The short answer: No. Unlike certified credit counseling agencies, 90 Day Credit Experts focuses primarily on credit repair, not financial education or long-term debt management.

How Credit Repair Differs from Credit Counseling

While both services aim to improve credit health, their approaches differ:

Credit Repair (What 90 Day Credit Experts Offer)

• Targets errors on credit reports.
• Uses legal disputes to remove negative items.
• Often involves fees for services rendered.

Credit Counseling (What They Don’t Offer)

• Provides budgeting advice and debt management plans (DMPs).
• Works with creditors to lower interest rates or waive fees.
• Typically offered by nonprofit organizations.

If you need credit counseling, you may need to look elsewhere—such as GreenPath, Money Management International (MMI), or local NFCC-affiliated agencies.

90 Day Credit Experts Reviews: What Customers Say

To assess whether 90 Day Credit Experts delivers on its promises, we analyzed customer reviews from platforms like Trustpilot, BBB (Better Business Bureau), and Reddit.

Positive Reviews

Some clients report successful credit score increases after using their services:
- "My score went up by 80 points in just two months!" – Sarah K.
- "They removed two collections from my report that I couldn’t get rid of myself." – James L.

Negative Reviews

However, others express frustration:
- "Paid $500 and saw no changes—waste of money." – Mark T.
- "Their customer service is terrible; they stopped responding after taking my payment." – Lisa M.

Common Complaints

1. High upfront fees with no guaranteed results.
2. Lack of transparency about what they can legally do.
3. No ongoing financial education (a key component of credit counseling).

The Risks of Using Credit Repair Services

While 90 Day Credit Experts may help some, there are risks to consider:

1. No Guarantee of Results

The Fair Credit Reporting Act (FCRA) allows consumers to dispute errors for free. Paying a company to do this doesn’t guarantee success.

2. Potential Scams

The Consumer Financial Protection Bureau (CFPB) warns against credit repair companies that:
- Demand payment before providing services (illegal under the Credit Repair Organizations Act).
- Promise to remove accurate negative information (which is impossible).

3. Missed Opportunities for Real Financial Help

Instead of quick fixes, credit counseling offers long-term solutions like:
- Debt consolidation
- Budgeting tools
- Negotiated repayment plans

Alternatives to 90 Day Credit Experts

If you need credit counseling, consider these free or low-cost options:

Nonprofit Credit Counseling Agencies

• GreenPath Financial Wellness
• Money Management International (MMI)
• National Debt Relief (for debt settlement, not counseling)

DIY Credit Repair

• AnnualCreditReport.com (free credit reports).
• CFPB’s sample dispute letters (to challenge errors yourself).

Government Resources

• Consumer Financial Protection Bureau (CFPB)
• Federal Trade Commission (FTC) credit repair guidelines

Final Thoughts: Should You Use 90 Day Credit Experts?

If your goal is credit repair, 90 Day Credit Experts might help—but with risks. If you need credit counseling, look for certified nonprofit agencies instead.

Remember: There’s no magic fix for bad credit. Improving your score takes time, discipline, and sometimes professional guidance. Whether you choose credit repair or credit counseling, always research companies thoroughly before committing.

Would you trust 90 Day Credit Experts, or would you prefer a certified credit counselor? The choice depends on your financial goals—and how quickly you want results.