Is Safeport Law legit?

Yes, Safeport Law is a legitimate credit repair company. Safeport Law is accredited by the Better Business Bureau, which means the BBB has reviewed the business and believes it to be an ethical operation.

Is credit repair a scam?

Credit repair is not inherently scammy. It is a legitimate service that aims to help people increase their credit scores by correcting inaccurate, outdated or misleading data on their credit reports. However, consumers should be cautious of credit repair scams operated by fraudulent credit repair companies that promise specific results or demand excessive upfront payments.

How long do I need to work with a credit repair company?

It depends on your credit situation, but in most cases, customers should only need to work with a credit repair company for a few months. During that time, the company should challenge any inaccurate records with the credit bureaus and intervene with creditors to clear up any disputes — and then its work is done. If you have valid, severe marks on your credit history (such as bankruptcy or foreclosure), it can potentially take seven to 10 years for your credit score to recover. This recovery will happen over time, as a credit repair company cannot remove accurate negative information.

Can I fix my credit on my own?

Anything a legitimate credit repair company can do, you’re allowed to do on your own. Under the Fair Credit Reporting Act, you have the right to dispute errors on your credit report, and there’s no fee for doing so. However, do-it-yourself credit repair can be time-consuming, especially if you have a lot of errors on your report. Hiring a credit repair company could help you save time and stress.

Advertiser Disclosure

Safeport Law Credit Repair Review

Written by

Michelle Clardie

Edited by

Aylea Wilkins

Edited by

Aylea Wilkins

Updated January 17, 2025

On This Page

Best for: Legal representation in 49 states

Safeport Law

Start-up fee: $129.00
Monthly fee: $129.99
Money-back guarantee: 90-day
Maximum number of disputes: Not disclosed
Types of letters to creditors/bureaus: Dispute and intervention
Pros

90-day money-back guarantee: Safeport Law advertises a full refund to customers who do not see any disputed items removed from their credit within 90 days. Some conditions apply.

Available to customers in 49 states: Safeport Law offers credit repair services nearly nationwide. Its terms and conditions state its services are not available in South Carolina.

Streamlined plan options: While some credit repair companies offer multiple plan options and price tiers, Safeport Law simplifies the credit repair process for customers by offering one service level.

Cons

Comparatively expensive given the services provided: Safeport Law’s credit repair package is missing common services offered at this price point, such as cease-and-desist letters, ID theft protection and debt validation.

No resource library to educate consumers: Unlike many of its competitors, Safeport Law does not offer articles about building or fixing your credit. However, it does answer some common credit questions on its FAQ page.

Provides limited information online: Safeport Law’s website doesn’t go into detail about the legal representation it offers, nor does it include information about its team of attorneys. Prospective customers will need to contact the company to learn more.

Safeport Law is a law practice with a focus on consumer advocacy. According to the company’s website, it specializes in fighting credit report inaccuracies and has a network of 27 attorneys across the country to help consumers clean up their credit reports.

Safeport Law’s credit repair package includes the basic features that matter to consumers, including challenges to all three credit bureaus and creditor interventions. However, its monthly rate is high compared to some competitors.

Safeport Law services

Safeport Law offers the following services:

Challenges to all three credit bureaus
Creditor interventions
Credit score analysis
Credit score tracker

This suite of services covers the primary elements of credit repair. The attorneys at Safeport Law attempt to improve customers’ credit scores by filing disputes with the credit bureaus (and interventions with creditors) to challenge any inaccurate information uncovered in your credit score analysis.

Safeport Law offers 24/7 online progress tracking to help customers follow the status of their credit repair journey. You can log in to your online account to see a timeline and progress report.

What Safeport Law does not cover

Safeport Law, like all reputable credit repair services, will only contest inaccurate, outdated or misleading details on your credit report. It will not dispute accurate information.

While some credit repair companies offer debt validation, cease-and-desist letters to creditors and ID theft protection, Safeport does not advertise these services on its website.

Credit repair packages

Safeport Law currently offers one comprehensive package called the Credit Cleanse. The Credit Cleanse is described as “full-coverage credit assistance” and promoted as a highly aggressive package, but the offerings are fairly standard for a credit repair service.

The services included in the Credit Cleanse package include challenges to all three credit bureaus, creditor interventions, a credit score analysis and a credit score tracker. With a monthly price of $129.99 and an initial working fee of $129 billed six days after enrollment, Safeport Law’s Credit Cleanse is relatively pricey compared to some of its competitors.

Additional features

Free credit review

Safeport Law offers a free, no-obligation credit repair consultation. You only need to provide your name, phone number, email and state. A Safeport law representative will then reach out to you. This provides an opportunity for you to get answers to any questions about your specific credit issues and learn more about the company’s credit repair process.

Online client portal

Safeport Law does not offer a mobile app to track your progress, but its web-based client portal serves a similar function. You can log into your online account at any time to check your progress.

Safeport Law’s accessibility and availability

Safeport Law offers its credit repair services across the country, and customers can get in touch with the company by phone or email. The “contact us” buttons on the site will direct you to a form to request your free credit review.

Availability

Safeport Law’s home page promotes its ability to serve consumers in all 50 states, but its terms and conditions state services are currently unavailable in South Carolina.

Contact information

Safeport Law’s phone number is 800-269-6879, and its email address is info@safeportlaw.com. Currently, Safeport Law does not appear to be active on any social media platforms.

The company’s website says its physical address is 133 Main St., LaGrange, GA, 30240. According to its business profile on Google, operating hours are Monday through Friday from 9 a.m. to 8 p.m. ET, plus 10 a.m. to 8 p.m. on Saturday and noon to 8 p.m. on Sunday.

Safeport Law customer experience

Reviewers regularly report satisfaction with the initial consultation provided by Safeport. Reviewers praise the customer service as being patient, informative and helpful. However, very few reviews discuss the effectiveness of the company's credit repair services.

Contract duration

Services are offered on a month-to-month basis. Safeport Law’s website states that customers can cancel their accounts at any time, per the terms outlined in the Safeport Law Service Agreement.

Customer and third-party reviews

BBB rating: 4.62 stars with 13 reviews. Safeport Law has been accredited by the Better Business Bureau since March 30, 2023. It currently holds a BBB rating of A.
Consumer Affairs average rating: Not listed
Google Reviews average rating: 4.7 stars with 305 reviews
Trustpilot average rating: No reviews yet

Review information accurate as of January 17, 2025.

Most of the positive reviews posted on the company’s Google and BBB review pages relate to how helpful the customer service representatives are. Safeport Law appears to be exceptional at answering customers' questions and explaining how the process works. Unfortunately, few positive reviews discuss the actual services performed or the results in terms of how their credit score was affected.

It is common for customers to leave negative feedback for credit repair companies if their credit scores do not improve. However, this is not always the company’s fault. Remember, no credit repair company can remove negative items that are accurate and verifiable.

Regulatory and legal

Safeport Law does not appear to have any pending legal issues. A search of the Consumer Financial Protection Bureau’s consumer complaints database shows no complaints for the company and the Federal Trade Commission has not published warnings about the Safeport Law.

Safeport Law vs. competitors

Safeport Law vs. Lexington Law

Lexington Law is Safeport’s closest competitor as it also uses attorneys to provide credit repair services. Lexington Law offers one package, priced at $139.95 per month, which includes the same services as Safeport Law, plus $1 million in identity theft insurance coverage.

Unlike Safeport, Lexington Law provides an extensive educational library to help consumers learn about credit, and its website features photos and bios of its attorneys. However, Lexington Law does not offer a money-back guarantee and is not available to residents of Oregon or North Carolina.

Safeport Law vs. CreditRepair.com

CreditRepair.com offers three plan tiers, with prices ranging from $49.95 to $119.95 per month. The low-priced tier includes services that are similar to those provided by Safeport Law.

Both companies offer credit bureau challenges and creditor interventions. However, Safeport provides credit score monitoring while CreditRepair.com’s low-priced package provides credit score updates only quarterly. Conversely, CreditRepair.com offers ID theft insurance while Safeport does not.

Unlike Safeport Law, CreditRepair.com does not offer a money-back guarantee or promote the use of attorneys in the credit repair process.

Safeport Law vs. The Credit Pros

The Credit Pros offers more services than Safeport at a comparable price. Of the Credit Pros’ three packages, the $129-per-month Repair Credit plan is the most similar to Safeport’s offerings. In addition to the services offered by Safeport, The Credit Pros plan includes cease-and-desist letters, letters of reference, dark web monitoring, fraud alerts, bill reminders, debt payoff plans and budgeting systems.

Unlike Safeport Law, the Credit Pros only offers credit repair services to consumers in 46 states, and it does not promote the use of attorneys to file disputes. Like Safeport, it does offer a 90-day money-back guarantee.

Frequently asked questions

Yes, Safeport Law is a legitimate credit repair company. Safeport Law is accredited by the Better Business Bureau, which means the BBB has reviewed the business and believes it to be an ethical operation.
Credit repair is not inherently scammy. It is a legitimate service that aims to help people increase their credit scores by correcting inaccurate, outdated or misleading data on their credit reports.

However, consumers should be cautious of credit repair scams operated by fraudulent credit repair companies that promise specific results or demand excessive upfront payments.
It depends on your credit situation, but in most cases, customers should only need to work with a credit repair company for a few months. During that time, the company should challenge any inaccurate records with the credit bureaus and intervene with creditors to clear up any disputes — and then its work is done.

If you have valid, severe marks on your credit history (such as bankruptcy or foreclosure), it can potentially take seven to 10 years for your credit score to recover. This recovery will happen over time, as a credit repair company cannot remove accurate negative information.
Anything a legitimate credit repair company can do, you’re allowed to do on your own. Under the Fair Credit Reporting Act, you have the right to dispute errors on your credit report, and there’s no fee for doing so.

However, do-it-yourself credit repair can be time-consuming, especially if you have a lot of errors on your report. Hiring a credit repair company could help you save time and stress.