SP Funding & Credit RepairReviews of spfunding.co

Steve is very helpful and his staff has a lot of knowledge on funding. They are very honest too!

I had never repaired my credit before, so I was honestly a little nervous going into the process, but working with this team turned out to be such a great experience. 😊 They helped bring my credit score from the high 500s all the way up into the 700s within few months, which I honestly didn’t think was possible in such a reasonable amount of time. They removed some old debts from collections and cleared up a few past inquiries that were hurting my report. Seeing those changes reflected in my credit score was such a huge relief. 🥹 What stood out the most was their communication. Everyone is incredibly friendly and always kept me updated on what was happening with my account. Anytime I had a question, they responded quickly and explained everything clearly so I always knew what to expect. If it’s your first time repairing your credit like it was for me, I definitely recommend giving them a chance. They made the whole process feel easy and stress free. Beyond grateful! Thank you so much Steve & team! 🙏

Omg where do I even begin?! 😆 I cannot recommend Steve and his team enough!! When I first came to him, my credit was in the low 500s due to careless decisions I made as a young adult. Learning about the importance of credit I felt stuck, discouraged, and honestly unsure if my credit situation could ever truly recover. From the very beginning, speaking with AJ felt like a breath of fresh air and meeting Steve and his team they treated my situation with professionalism, urgency, and genuine care. What impressed me most was their consistency and transparency, that’s so rare when it comes to these credit repair agencies. They didn’t just make promises, they followed through!!! They provided regular updates, stayed on top of everything, and made sure I understood the progress being made. Over time, they were able to successfully remove 99% negative items and completely transform my credit profile, I’m in genuine shock LOL. Because of their work, I was able to get approved for a beautiful new apartment 🏠🎉 something that felt out of reach before. My score has improved dramatically, and I’m now approaching the 700s, which is something I never thought would happen this quickly.. That alone has been life-changing for me. I’ve worked with another credit repair company in the past (who now are nowhere to be found.. go figure lol) and was deeply disappointed. They overpromised and underdelivered, and I saw little to no results. Steve and his team were the complete opposite. They exceeded my expectations and restored my trust in the process. The pricing is absolutely fair for the level of quality, attention, and results they provide. This is not just a service, it’s an investment in your future. I’m incredibly grateful for everything they’ve done, and I’ve already referred friends and family because I fully stand behind their work. If you’re serious about fixing your credit and want a team that is reliable, effective, and truly committed to your success, Steve and his team are the ones to trust! 💜

Steve is such a pleasure to work with. He is super responsive and gets your credit repaired in no time. He is super empathetic and understanding when trying to get a sense of your situation.

Hi, I just wanted to share with everyone my experience with SP Credit Repair. Honestly, I thought I would never be able to repair my credit. There are so many companies out there that just talk with no results. At first, I was kind of skeptical about moving forward but looking back, I made one of the best decisions. I started back in August 2025 with Steve and his team. My credit score was in the low 500 but now in the mid 700! 99% charge offs and collections removed. My dream was to get an american express platinum and chase reserve and recently I was approved for both! Dream come true!! If anyone out there is in the same position as I was previously, I highly recommend Steve and his team from SP credit repair. Steve is very responsive and knowledgeable, and knows what he’s doing. Something I also learned in this process was… they do their work 100% but you also have to put in work as well. Hopefully, this review helps those seeking to repair credit. John Pio

This company was very easy to work with. Communicated with full transparency every step. My credit score has gone up over 100 points since I began working with their team. I would highly recommend anyone to use their services.

I really didn't want to write this review but I have to let it be known based off my horrific experience. It has been about 6 months since I started this journey with this company and they have messed my credit and financial situation up worse than before I started. After I gave them $1400 of my settlement money from a car accident that almost took my life. My credit needed some help since I wasn't able to work for about 9 months. There was minimal communication, minimal education, minimal updates and felt forgotten during the whole process. Now after everything my active credit cards are now closed and cannot be re opened can't access my money in my other funding accounts and now I cannot purchase any gifts for my family for Christmas and my birthday which is December 23rd. I cannot access my credit profiles with equifax and trans union which they state my verification and identity does not match to unlock them. I can't fix whatever this company did. Everything they said they did and removed does not reflect on my credit reports and how I know this is from the credit denials I received when I applied for new credit cards and have the same denial reasons that they advised me have been removed. I thoroughly disappointed and in a very bad spot financially than I was before I started 😕 that $1400 my closed credit cards with available balances would have really helped me and my family right now as for im out of that money and funding. Im sure my situation is rare but man they really messed up everything for me financially and not sure what else i can do. I've spent weeks trying to fix what they messed up and there is no hope in site. Im honestly sad and embarrassed to not be able to contribute to my family 😞 and bring joy this holiday season do to believing and trusting them. I don't want what happened to me to happen to anyone else. Please be cautious ⚠️ with them. I hope yall have a better experience than I did. Good luck.

Steve was very informative with what I needed. Seamless process and I would highly recommend him to my other friends!