Cactus Credit 

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See what reviewers are saying

Rated 5 out of 5 stars

I am extremely happy I took the step to finally pay off my debt. Cactus Credit was so helpful, polite and made sure I understood the whole process before moving on to the next step. My debt has caused... See more

Company replied

Rated 1 out of 5 stars

Absolutely terrible experience. Was not informed of a $130 monthly fee when I was first persuaded into signing a bs contract. Now I am stuck paying a contract I can’t afford and they are forcing me t... See more

Company replied

Rated 2 out of 5 stars

I've tried to close my account with them and was told I couldn't. Lately I've tied to call them and email them with no results as it shows being permanently closed . So I'm making sure my bank blocks... See more

Rated 1 out of 5 stars

Don't fall for this crap... The only inquiries they were able to "remove" from my credit file, were the ones that would automatically be deleted after the 7 years pass... They constantly say "we're ma... See more

Company replied

Company details

  1. Non-Bank Financial Service

Written by the company

Our experts here at Cactus Credit have been in the credit repair business for over 12 years and have helped thousands of people improve their credit profile, and thus, their lives… What you’ll find with us is a proven system for you to create a better financial future. Once you start the repair process you’ll have access to the most comprehensive financial education and strategy available. It is all part of what we give to you when you join us today


Contact info

Companies on Trustpilot aren't allowed to offer incentives or pay to hide reviews. Reviews are the opinions of individual users and not of Trustpilot. Read more

Rated 3 out of 5 stars

I really appreciate the Cactus credit…

I really appreciate the Cactus credit platform for their free consultation about your initial financial situation and for giving you helpful recommendations to make your benefits improve, but its credit repair process is very time-consuming, which it might take several months to see improvement in credit scores.

July 18, 2024
Unprompted review
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Rated 1 out of 5 stars

we will never go back to cactus man…

we will never go back to cactus man ever again. ive never in my life have know of a company coming to your house and slipping a letter under the door into my house. shame shame you could have just stuck it in the mailbox. and text messages seem like a threat to us. be real you will get your money when we get caught up. anonoymus.

January 12, 2024
Unprompted review
Rated 2 out of 5 stars

I've tried to close my account with…

I've tried to close my account with them and was told I couldn't. Lately I've tied to call them and email them with no results as it shows being permanently closed . So I'm making sure my bank blocks them from taking anything from my account . I was told I could cancel at any time but apparently that's not the case , my credit score hasn't improved the way they said it would either .

November 23, 2023
Unprompted review
Rated 1 out of 5 stars

U PEOPLE ARE SCAMMERS

U PEOPLE ARE SCAMMERS. THEY WERE SUPPOSED TO CALL ME TODAY BUT FOUND OUT THE EMAIL FOR THE GUY THAT WAS HELPING ME DID NOT WORK ANYMORE AND CAME BACK TO ME. I HAD TO CALL MY BANK AND CLOSE THE ACCOUNT BEFORE THEY WERE TO TAKE MONEY OUT. ALSO I TRIED CALLING THE NUMBER AND ITS NOT IN SERVICE. YOU PEOPLE SHOULD BE ASHAMED OF YOURSELVES TO TAKE ADVANTAGE OF PEOPLE.

November 20, 2023
Unprompted review
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Rated 1 out of 5 stars

Stay away from cactus credit

Will i be returning? No, I'm going to find someone else better. I'll never deal with you guys ever again. You guys are so unprofessional. And when you can't afford too pay for there services due to financial issues they want around $300 to cancel or they will start taking out the week payments there crooks 100% please stay away from them

November 17, 2022
Unprompted review
Rated 1 out of 5 stars

Mickey Mouse

Silly, and unprofessional. Reading from a script.
Acted as though I owed them before they even approved me. I don't need to hear the title of the person I'm dealing with over and over again.
It's sad that people in need have to deal with this kind of experience. Basically, if you need money you are a nobody, a nothing and you're supposed to be treated as such. My suggestion is not to indulge.

October 12, 2023
Unprompted review
Rated 5 out of 5 stars

The experience with Cactus have been…

The experience with Cactus have been very smooth and they are always checking how the process is going.

October 11, 2023
Unprompted review
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Reply from Cactus Credit

We are elated to know that we're able to help you with your financial journey. It is our commitment to help people in achieving their goals. Thank you for your review Alejandro!

Rated 1 out of 5 stars

SCAM!!!!!!!!!!!!

This company took 700.00 and did not follow through on my promises. I asked for my money back and I will probsbly never get it back. They neglected to tell me the hnest truth. DO NOT DO BUSINES WITH THEM EVER!!!!!

October 2, 2023
Unprompted review
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Rated 1 out of 5 stars

Despite canceling the service

Despite canceling the service and placing a stop payment on Cactus credit, this company has continued to withdraw funds from my account by splitting the payments in half to get around the stop payment. I have been forced to close my bank account and start over as a result. I will als be taking legal actions if the funds are not returned to my account.. cactus credit is shady… I guess it’s “here for a good time not a long time” they are thieves and nothing less.. if you choose to do business with them be cautious and cover you ass

September 29, 2023
Unprompted review
Rated 5 out of 5 stars

The Trustee was polite

The Trustee was polite, curtious and friendly. He explained everything so that I understood it well. I appreciated that very much.

September 19, 2023
Unprompted review
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Reply from Cactus Credit

Thank you, Kathy, for the amazing review! We put in the work to keep you and all of our clients happy. We hope to see you again. Have a nice day ahead!

Rated 1 out of 5 stars

They took money from my account when I…

They took money from my account when I had said to them over and over I couldn't afford the monthly payment. Also they have refused to refund me my money which they took without permission. Wouldn't recommend anyone to these guys they are crooks still haven't seen my refund yet.

September 4, 2023
Unprompted review
Rated 1 out of 5 stars

Absolute Scam

Total scam. Luckily I contacted my bank right away to make sure they couldn’t take any money.

I initially contacted a different company regarding a loan.. and cactus credit ended up receiving my info.
They pushed hard about this program to repair my credit.
When she started talking about it costing like 399 plus some other monthly fee I was sure it was a scam. Not to mention… once the rude lady started saying they’d remove ALL the derogatory marks on my credit file… but the only one there was my consumer proposal. 😂
I actually hung up on the lady when I could hear her getting frustrated and talking to someone else in the background.
I had unfortunately given my info when I thought we were taking about loans with a different person.
I got a text saying I was being set up with a case manager.. even thought I hadn’t agreed to the enrolment.
So backhanded and disgusting.

Go ahead and tell me you have the recorded phone calls… because all of them will prove I never agreed to any of your nonsense.

You should honestly be ashamed of yourselves.

August 31, 2023
Unprompted review
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Rated 5 out of 5 stars

I am very happy with the excellent…

I am very happy with the excellent service I received from everyone involved as giving me a positive result.
I would highly recommend them to assist you in obtaining your credit score in good standing.

August 9, 2023
Unprompted review
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Reply from Cactus Credit

Thank you, Haidee. We value the positive review and are happy to hear that we're able to help you. We’re grateful to have you as our client.

Rated 1 out of 5 stars

they are scammers

they are scammers. My credit score by Equifax,is getting lower every single month, since I hired this company to help me out with it. Honestly I have been with them gor 4 moths now and I don’t see any positive results other than my credit score getting worse.
Please stay away from this. I feel myself that I’m facing scammers.

March 16, 2023
Unprompted review
Rated 1 out of 5 stars

This company is a scammer

This company is a scammer. They want to withdrawal money from my account for services that they didnt provide to me. They told me that I would get a consultant to get on a debt program in which I didnt. I didnt even send them my documents for them to know what debt Iam in or the accurate amount. They called me like everyday preaching to me to join their program and make payment. How can someone who is in debt made payment 2 months payments before even enrol in a program? That's just a rip off for me. I am not up to the foolishness. I need money why I would I be giving you money monthly?

June 2, 2023
Unprompted review
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Rated 5 out of 5 stars

I APPROVED!

I would honestly recommend this company. I was hesitant at first but it went through smoothly it help me a lot and got my life back. Thanks a lot Cactus Credit

June 15, 2023
Unprompted review
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Reply from Cactus Credit

Hi Patrick, we appreciate you and your feedback. We are very glad to know that we're able to promote a positive and encouraging atmosphere while helping you achieve your goals. Our hearts are full, thank you! 🤗

Rated 1 out of 5 stars

Don’t trust this company this company…

Don’t trust this company this company only take the money from the people they all telling lie cactus credit this first company I see in my life just want to take the money this the stupid company I’m the customer they take the money without with my consent better this company close don’t trust some reviews of this company because all the reviews they are doing it I swear the god I’m the one customer they take a money they said they give me borrow money I give them about my bank information after they take the money I swear to the god all my wire is true

June 12, 2023
Unprompted review

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