Versio Credit Review | credit repair

VSredit Versio offers an AI-powered self-service option for consumers looking to improve their credit score. Its DIY credit repair services are an attractive alternative to the more common expensive subscription models that can cost close to $100 per month or more. For just the cost of a subscription to three credit bureaus and postage for your dispute letters, you can access the Credit Versio app for free.

Introducing Credit Versio Credit Repair

If you are looking for a cheaper and more effective alternative to credit repair, Credit Versio should be on your shortlist. Although a relative newcomer to the credit repair industry, the company’s do-it-yourself approach keeps costs low while offering a number of tools to its users.


  • DIY credit repair backed by an AI-powered tool
  • Several packages according to your budget
  • Cheaper credit repair options compared to other credit repair options

The inconvenients

  • Credit Versio is a new company that doesn’t have as much social proof or third-party ratings to fully gauge the company’s performance
  • Credit repair is mainly assisted by a software tool, with minimal human intervention (Credit Verio employees)

Credit Versio Services

Many people have errors on their credit reports and don’t even know it. In many cases, these mistakes can hurt your credit score.

A low credit score can mean lower approval ratings for products like credit cards, mortgages, or personal loans. If you are approved, lenders may consider you a credit risk. Your interest rate will be higher, which could cost you thousands of dollars more than your counterparts with higher credit scores.

That’s where Credit Versio comes in. Credit Versio is a credit repair service that automates the process of removing incorrect or unverifiable information from your credit report. The credit repair company offers service packages with reasonable rates and unlimited dispute letters.

What Credit Versio offers

Credit Versio has an automated system that connects to your Equifax, TransUnion and Experian credit profiles. Once this information is displayed in your Credit Versio dashboard, you can dispute one or more negative items:

  • Requests
  • Late payments
  • Landfills
  • collections
  • Seizures
  • Covers
  • Student loans
  • Bankruptcies

Credit Versio’s AI-powered tools can identify up to 20 different types of negative accounts. Not only does the dashboard show all of your negative accounts, but you can drill down into each item to see why the account is considered a negative item.

The dashboard report can even reveal the delay of a payment or other details about the derogatory nature of the negative item. At the bottom of this screen, you will also see a recommended dispute policy. You can choose this recommended dispute option, choose another from a drop-down menu, or manually enter your own.

This tool can create a letter from a template to address this account and automatically insert the reason why the account needs to be deleted. The tool will include all relevant account information and place it in a format preferred by the credit bureaus. Credit Versio’s tool will email your dispute letters to you, which you then print and mail to each credit bureau. According to the Credit Versio website, sending your dispute letters is more effective than using online options to dispute your credit report.

Once you start disputing accounts, Credit Versio’s tool shows monthly updates regarding your credit score and status. If a dispute fails, the tool can assess the reason and suggest an alternative method of strategic litigation.

The “secret sauce,” so to speak, is an algorithm that can provide statistical analysis of your credit report from a numerical perspective. The company compiles a record of data points that informs the algorithm, supported by machine learning. They can recommend the most effective litigation based on the nature of the negative elements in your credit report.

Credit Versio offers three different packages at reasonably affordable rates:

smartcredit Basic smartcredit Premium IdentityIQ
$19.95/month $24.95/month $29.99/month
Unlimited Credit Versio Disputes Unlimited Credit Versio Disputes Unlimited Credit Versio Disputes
Office 3 monthly reports and scores Office 3 monthly reports and scores Office 3 monthly reports and scores
Identity theft insurance ($1M) Identity theft insurance ($1M) Identity Theft Insurance ($25,000)
Credit Monitoring and Alerts (TU) Credit Monitoring and Alerts (TU) Credit Monitoring and Alerts (TU)
Includes SmartCredit Money Manager with 2 monthly updates of Transunion report and score in SmartCredit. Includes SmartCredit Money Manager with unlimited Transunion report and score updates in SmartCredit. IdentityIQ includes a 7 day trial for $1.

You have the option to cancel your Credit Versio subscription at any time.

What Credit Versio does not offer

Be aware that what Credit Versio offers is more of a do-it-yourself credit repair tool. Unlike some credit repair companies, Credit Versio doesn’t seem to rely heavily on case managers or other staff to guide you through the credit repair process.

Its credit repair strategy puts its software tool front and center, with human assistance as backup to support your interaction with its automated platform. While the human coaching element is minimal, it’s good to know that Credit Versio also runs a blog and YouTube channel with educational credit resources.

As a DIYer, you’ll be forced to learn a lot of things quickly, like how to read your credit report, what the dispute process entails, and more. It could ultimately make you a more educated consumer, which isn’t a bad thing.

Credit Versio Credentials

Credit Versio is a relative newcomer to the credit repair scene. The company was founded in 2019 and started onboarding users in 2020. Since then, it has served 100,000 customers.

Licenses and registrations

Credit Versio’s business is incorporated in the State of Nevada with Corporate Creations Network, Inc. listed as the company’s registered agent.

Awards and certifications

Credit Versio has not received any awards or certifications as of this writing (July 2022).

Regulatory or legal actions

Because Credit Versio is a newer company, we found no legal complaints, regulatory or legal actions against Credit Versio, and the company does not yet have a Better Business Bureau (BBB) ​​profile.

Note that although we always try to include accurate and up-to-date information on regulatory and legal actions, we do not claim that this information is complete or fully up-to-date. As always, we also recommend doing your own research.

Credit Versio Accessibility

Credit Versio representatives are available to answer your questions and issues via website and phone. Here is more information on how to join the company.


Credit Versio staff is available by phone or email from 9:00 a.m. to 5:00 p.m. (PST) Monday through Friday.

Contact information

You can reach the company during normal business hours at 702-930-3903. His general email address is

User experience

Credit Versio’s website has enough information to explain how its tool works and the credit repair packages it offers. Once you have signed up for the service with Credit Versio, you will have access to the AI-powered dashboard to start managing your dispute process.


Although Credit Versio’s web-based tool is very robust and efficient, it does not yet offer a user experience through the Android or iOS app. However, you can access it from any browser, including a mobile browser.

Credit Versio Satisfaction Ratings

So far, Credit Versio is only featured on one review website. We combed through the reviews, comments, and complaints and found a few commonalities, which we’ll discuss below.

Third-party reviews

As of this writing, Credit Versio has no profiles with third-party review sites such as Consumer Affairs, Google Business, Yelp, or even the Better Business Bureau. He doesn’t yet have a profile on Trustpilot, which has a rating of 4.3 out of 5 stars. Although Credit Versio claimed this profile, it has yet to respond to customer feedback.

Note that there are no official bodies or third parties that rate credit repair. This information is provided on the basis of information available to us at the time of publication.

Customer complaints

The majority of reviews on Trustpilot are positive and cite good results, hence the 4.3 out of 5 star rating. Most 1, 2 and 3 star reviews mention the following issues:

  • Not all negative items are removed as customers expected.
  • The data extracted by the tool is not always up to date.
  • Customers did not receive value for what they paid for.
  • Upon cancellation, customer accounts were still charged 1-2 additional billing cycles.

Credit Versio FAQ

Is Credit Versio Real?

What credit score does Credit Versio use?

Is paying someone to repair your credit worth it?

How we rated Credit Versio

Our review of Credit Versio is based on a combination of information from the company’s website, customer review sites, industry monitoring reports and third-party consumer advocacy sites.

Money’s Credit Versio Review Summary

Credit Versio is a new credit repair company with an angle that could give it an edge over its competitors: an AI-powered dispute resolution process and a below-average price. While it remains to be seen how well the company does in serving its customers and delivering positive results for them, we like the low-cost DIY approach offered by Credit Versio.

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