Safeport Law Review: Is This Attorney-Backed Credit Repair Worth It?

Safeport Law is an attorney-backed credit repair service with more than 15 years of industry experience. It offers services across two pricing tiers — $89.99 and $129.99 per month, each with an initial work fee — and includes bureau disputes, creditor challenges, debt validation, cease-and-desist letters, and FCRA/FDCPA violation identification. A 90-day money-back guarantee is available for clients who see no change to their credit during that time.

Key Takeaways

• Safeport Law stands out as an attorney-led credit repair service, offering legal leverage like FCRA/FDCPA violation challenges, debt validation and creditor interventions that go beyond standard dispute-and-remove firms.

• Pricing runs higher than competitors at $89.99 or $129.99 per month plus an initial work fee, but you get a 90-day money-back guarantee if your credit shows no change.

• Choose Safeport Law if you have complex disputes or need legal representation. If your case is simple and budget matters most, a standard credit repair company will likely serve you better.

Summary generated by AI, verified by MoneyLion editors

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What Is Safeport Law? 

Safeport Law is a legal practice with more than 15 years of history and a nationwide network of attorneys who focus on consumer advocacy, debt and credit. Its attorney-led model sets it apart from standard credit-repair firms, which typically focus on disputes and removals and don’t offer premium legal services, as Safeport Law does. 

How Safeport Law Works 

Safeport Law follows a three-step credit-repair process. 

1. Setting up: Safeport Law gathers personal information and pulls your credit report.

2. Reviewing: The team reviews your credit history with you to identify any damaging elements.

3. Analyzing and optimizing: Experts work to amplify your positive credit factors while diminishing the negative.

Services Offered 

Safeport Law’s credit-repair and credit-building services include: 

• Bureau disputes

• Creditor challenges

• Debt validation

• Cease and desist letters

• FCRA/FDCPA violation identification

• Goodwill letters

• Legal escalation options when warranted

Pricing and Plans 

Safeport Law provides its services across two pricing tiers. 

• Credit Cleanse: $89.99 per month plus an $89 initial work fee billed six days after signup. Includes challenges to all three bureaus, score analysis and score tracker, and comes with a money-back guarantee for clients who see no change to their credit after 90 days. 

• Credit Cleanse+: $129.99 per month plus a $129 initial work fee billed six days after signup. Includes everything in the Credit Cleanse plan, plus creditor interventions and inquiry targeting.

Pros and Cons 

Consider Safeport Law’s strengths and weaknesses before you sign up for its services.

Pros

• Attorney involvement

• Legal leverage with creditors

• Potential for stronger disputes 

• Money-back guarantee

Cons

• Higher pricing than standard credit repair services 

• Smaller brand footprint than major competitors

Does Safeport Law Actually Work? 

Safeport law guarantees at least some change to your credit within 90 days, though improvements may occur after 30 or 60 days. However, no credit-repair company can guarantee specific results, nor can they meet unrealistic expectations, such as removing legitimate and accurate information from your report.

Is Safeport Law Legit? 

The Better Business Bureau (BBB) gives Safeport Law an A- rating. The CROA-compliant company has received a modest 13 customer complaints in the last three years, eight of which Safeport Law has settled in the past 12 months.

User Reviews and Reputation 

BBB reviewers give Safeport Law a 3.76-out-of-5-star rating, but that’s based on only 17 reviews. Interestingly, or perhaps alarmingly, it has no presence on Trustpilot — not even a single review. However, Google reviewers give it an impressive 4.7-star rating.

Safeport Law vs. Competitors 

Safeport Law’s legal-forward model makes it a unique player in an otherwise crowded industry. 

Safeport Law vs. Lexington Law 

Lexington Law is the only other major attorney-backed credit-repair service. It charges a flat rate of $139.99 and provides many of the same services as Safeport Law. However, its long history in the industry was tarnished when the Consumer Financial Protection Bureau (CFPB) won a multi-billion-dollar judgment against it for allegedly using illegal business practices to mislead and overcharge consumers for years. 

Safeport Law vs. Sky Blue Credit

Like most credit-repair firms, Sky Blue Credit does not provide attorney-backed services and instead focuses on challenging inaccurate entries to have the bureaus remove them. Its three pricing tiers are $79, $99 and $119 per month.  

Safeport Law vs. Credit Saint

Like Lexington Law, Credit Saint offers a 90-day money-back guarantee, but it provides standard credit-repair services rather than attorney-led representation. Its services fall into three monthly price tiers: $79.99, $109.99 and $139.99.

Safeport Law vs. CreditRepair.com

CreditRepair.com is Lexington Law’s sister company and shares the same parent company. It was the primary firm in the CFPB legal judgment and became the poster child for industry misconduct. However, it emerged intact and reorganized, and now charges either $49.95 or $199.95 per month.  

Safeport Law vs. The Credit People

The Credit People offers many of the same services as non-attorney companies like Credit Saint and Sky Blue Credit, but with a unique pricing structure. There are two tiers — $99 and $119 per month — or six months off the more expensive option for $599. 

Who Should Use Safeport Law? 

People with complex disputes or FCRA/FDCPA violations might be good candidates for Safeport Law’s services, as might those seeking legal representation. Budget-focused consumers with simpler cases should look into standard credit repair companies first.

How to Cancel Safeport Law 

You can cancel your subscription to Safeport Law’s services at any time and on either plan. However, the company does not pro-rate refunds, so service continues until the end of the monthly period. 

To receive a full refund, your account must be active for at least 90 days, but you can no longer request a refund after 120 days. 

Frequently Asked Questions 

Answers to the following common questions can help you determine if you’re a good match for Safeport Law.

Is Safeport Law a scam? 

No. It is a legitimate consumer advocate organization, credit-repair firm and law practice. 

Are they actually lawyers? 

Yes. Safeport Law is a legal practice specializing in debt and credit repair.

How is this different from Lexington Law? 

As one of the few attorney-supported credit repair firms, Lexington Law is Safeport Law's primary competitor. Unlike Lexington Law, which charges a flat monthly rate of $139.99, Safeport divides its services into two price tiers. More importantly, a multi-billion-dollar legal judgment against Lexington Law damaged its standing in the industry and forced the company into bankruptcy.

How long does it take to see results from Safeport Law? 

Generally, credit repair can yield modest results in 30 to 60 days, but Safeport Law guarantees your money back if you see no results in 90 days.

Is there a money-back guarantee?

Yes. The Cleanse program comes with a 90-day money-back guarantee for clients who do not see any change in their credit reports during that time.

Key Terms

• Credit repair: A service that helps people dispute inaccurate credit report information and address credit issues. It cannot legally remove accurate negative information.

• Credit report: A record of your credit activity and current credit status, including payment history and credit accounts.

• Fair Credit Reporting Act (FCRA): A federal law that promotes accuracy, fairness and privacy in files kept by consumer reporting agencies.

• Fair Debt Collection Practices Act (FDCPA): A federal law that bars third-party debt collectors from using deceptive, unfair or abusive tactics to collect consumer debts.

• Credit Repair Organizations Act (CROA): A federal law that limits what credit repair companies can promise, charge and include in their contracts.

Sources:

• Consumer Financial Protection Bureau: What is a credit report?

• Federal Trade Commission: Credit Reporting

• Federal Trade Commission: Fair Debt Collection Practices Act

• Federal Trade Commission: Credit Repair Organizations Act

Summary generated by AI, verified by MoneyLion editors