, Credit Versio Review Credit and FAQs Credit Versio was designed by a team of credit experts with over fourteen years of experience. After generating millions of disputes for our 120,000 full-service credit repair clients, we believed the time had come for the credit repair industry to make a technological leap. Our vision was to create an easy-to-use software platform that would solve the challenges most people face when trying to repair their own credit.

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We tried to program an artificial intelligence that would use everything we’ve learned over the years. The Do It Yourself platform is advanced enough that it can replace any full-service credit repair company, yet it’s easy for anyone to use. After two years of development, we launched on March 5th, 2020 with lots of excited users. Over 50,000 people have created a Credit Versio account which confirms our belief. The future of credit repair is being done by people guided by software.

Credit Edition Credit Repair Overview

If you’re looking for a lower-cost, more efficient alternative to credit repair, Credit Versio should be on your shortlist. While it is a relative newcomer to the credit repair industry, the company’s DIY approach keeps its costs low while offering a range of tools to its users.

Credit Edition Services

Many people have errors on their credit reports without even knowing it. In many cases, these errors can hurt your credit score. A low credit score can mean fewer approval chances for products such as credit cards, mortgages, or personal loans.

If you get approved, the lender may view you as a credit risk. Your interest rate will be higher, potentially costing you thousands of dollars more than your higher credit score counterparts. That’s where Credit Versio comes in. Credit Versio is a credit repair service that automates the process of removing incorrect or unverified information from your credit report. Credit repair company has service packages with reasonable rates and unlimited dispute letters.

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What does the Credit Edition offer:

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

  • inquiry
  • late payment
  • charge off
  • collection
  • foreclosures
  • repossessions
  • student loan
  • going bankrupt

CreditVersio’s AI-powered tools can identify 20 different types of negative accounts. The dashboard not only displays all of your negative accounts, but you can drill down into each item to see why an account is considered a negative item.

The dashboard report may also indicate how much the payment is delayed or some other detail regarding the delinquent nature of the negative item. At the bottom of this screen, you’ll also see the recommended dispute strategy. You can choose this recommended conflict option, choose another from the dropdown menu, or type your own manually.

What the Credit Edition Doesn’t Offer

Be advised that what CreditVersion offers is a DIY credit repair tool. Unlike some credit repair companies, CreditVersion doesn’t rely heavily on case managers or other staff to walk you through the credit repair process.

Its credit repair strategy puts its software tools at the forefront, with human assistance as a backup to support your interactions with its automated platform. Although the human coaching element is minimal, it’s good to know that Credit Versio also maintains a blog and YouTube channel with educational resources about Credit.

Credits Version Credits:

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 over 100,000 customers.

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License and Registration

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

Regulatory or Legal Action:

Because CreditVersion is a new company, we did not find any legal complaints or regulatory legal actions against CreditVersion, and the company does not yet have a Better Business Bureau (BBB) profile.

Note, 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 completely up-to-date. As always, we recommend that you do your own research as well.

Credit Edition Accessibility

Credit Versio representatives are available to answer your inquiries and issues through the website and by phone. Here’s more information on how to reach the company.

FAQs on

What Scores Does the Credit Version Use?

What credit score does Credit Versio use? Credit Versio’s application tool pulls in information from all three credit bureaus, Equifax, Experian, and TransUnion.

Is Smart Credit free?

The Basic membership currently costs $19.95 per month and comes with two monthly updates to your credit report and score and unlimited access to ScoreTracker, ScoreBuilder, ScoreBoost, Credit Monitoring, and Money Manager.

Is 610 Credit Score OK?

A score of 610 places you in the population of consumers whose credit can be fair. Your 610 FICO® score is below the average U.S. Credit score less than Statistically, 28% of consumers with credit scores in the fair range are more likely to become seriously delinquent in the future.

What Can A 620 Credit Score Get You?

You can get approval for a personal loan with a 620 credit score; However, it would come with higher rates if your score was better.

You may also qualify for one of the following loans with a 620 score:

  • emergency loan.
  • Debt Consolidation Loan.
  • installment loan.

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How can I get my credits for free?

You are to one free credit report every 12 months from each of the three major consumer reporting companies (Equifax, Experian, and TransUnion). Can request a copy from You can request and review your free report through.

Which credit app is free?

So let’s take a look at these free apps for your credit score: Mint: Budget, Bill & Finance Tracker. Discover Credit Scorecard. CreditWise from Capital One.

How can I get free credits online?

In addition, everyone in the US can receive up to six free credit reports per year from Equifax through 2026 by visiting This is in addition to a free Equifax report (plus your Experian and TransUnion reports) that you can get annually.

What Can 700 Credit Score Do?

What Can a 700 Credit Score Get You? Your credit score is by lenders to see if you qualify for financial products and to determine the interest rate you should pay. With a 700 credit score, you’ve crossed the “good” credit limit where you can get cheaper rates on financial products like loans and credit cards.


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