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180 Credit Solutions

PO Box 2046
Wylie, TX 75098


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180 Credit Solutions is a credit repair company in Texas. Their website says they have a PO box in Wylie, Texas and other place online it says they have a PO box in Melissa, Texas.  However, there is not listed business address which is a huge concern.  If a company is successful usually they will grow and if they have any amount of business they would have an office. If a company has no business address listed that raises a lot of red flags. Most likely that means the small company is working out of a home which is likely not near as secure it needs to be to handle your personal information.  As well, a small company means 1 or 2 people are likely doing all the work.  What happens to your money and credit if they take another job, run out of money, go on vacation, etc. This does not mean 180 credit solutions is not a good company it just means with something as important as your credit you as the consumer need to take all the information you can find while doing your research and analyze the risks vs the reward when choosing a company you are going to hire when dealing with your credit. 

  • Results:  180 Credit Solutions has posted many testimonials and copies of real deletion results on their website for you to browse and gauge however there is no way for us to verify them.  There are complaints online about the lack of results and services people received when dealing with this company. 

  • Experience:  The experience of 180 Credit Solutions is hard to determine.  The company has been in business since 2008 but not much information can be found on the directors of the company and their experience in the industry. Typically, if there is a lot of experience in the company that is something they will promote however and we don't see a lot of that. Additionally, there is not a lot of information on their website and the information they do have is vague.  For example, when they talk about how long items stay on your credit report the information is very vague and this is one of the most misunderstood things in credit reporting.  It is very important to know these things when working on your credit in order to get results. 
  • Types of Programs Offered:   The 180 Credit Solutions website doesn’t get any specifics about the programs that they offer.  You will have to call directly for more information. 
  • Pricing and Value:  The 180 Credit Solutions website doesn’t mention the specific cost of any program.  You will have to call for more information.  However, value is directly tied to results and with the background, size, and complaints on the company you really have to consider what that value might be. 
  • Guarantee:  The Company website states that it has a money back guarantee but it doesn’t specify any of the terms and conditions.  Any guarantee should always be specifically worded in writing in the agreement. Make sure you read all the fine print and fully understand any guarantee a company may offer. The CEO posted the guarantee on a complaint board and the wording of it was not favorable for consumers.  It does not outline what they consider "fees paid in proportion to services rendered". There have been complaints online that people who are not getting results they were promised are not getting refunds. This will happen with a lot of companies, but it is hard for a company to justify with such an unclear guarantee. 
  • Reputation/Reviews:  180 Credit Solutions has various complaints on independent websites around the internet that can be found with a simple Google Search. This is obviously a concern with a small company to have this complaints of this magnitude.  Typically, fake complaints made by competition are done with only larger companies. There are some responses by the company online where the company states their case. However, it is not done in the most professional manner possible. Several complaints asked 180 credit solutions employees to reach out to them to resolve, the clients gave updates saying the company did not respond to them. 
  • Time of Program:  The website for 180 Credit Solutions does not specify any details to the timing or terms on the website, however on other sites they put that it is a 180 day program. 
  • Website Security:  180 Credit Solutions does not have the ability to sign up through their website so web security is not an issue. 
  •  Compliance:  Without seeing their agreement it is tough to tell if they are in compliance with state and federal laws. However, if they are working out of a home instead of an office there could potentially be many compliance issues in regards to security of personal information. 

If you are looking at enrolling with 180 Credit Solutions it is important that you do all your research.  Not having an office can definitely raise some concerns as well as the numerous complaints online where clients claim they never got a direct response even after the complaints. We recommend you look into our top recommended companies before moving forward with another company. 

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