Huge shout out to Steve and his team. At first I was a little nervous since I found their add on instagram, and we all know there are a lot of potential scammers out there, but this guys are legit!! And now I couldn’t be happier with the services provided. From the very beginning, their team was attentive and transparent, explaining every step of the credit repair process in detail. They worked diligently to identify inaccuracies on my credit report and successfully negotiated with creditors. Within just a few months, I noticed a remarkable improvement in my credit score, they answered all my questions and were very responsive. I truly appreciate their dedication and would highly recommend them to anyone needing credit repair assistance!!
By Luis L.
Steve offers the best credit repair…
Steve offers the best credit repair services! got me from a 500 to 730 within 6 months when other companies couldn't help! Just got my first amex card and looking to scale funding with him!
By Carla H.
Steve Park and his team are amazing!
I reached out to SP Funding & Credit Repair to inquire about their funding service and I had my Zoom consultation meeting with AJ. He gave me advise on what I should do and walk me through the plans to get funding for the online business that I want to do. But since my credit scores we’re not at a point where I will be approve, he recommended to fix my credit scores first, which luckily, a service that SP Funding offers.
I started the program back in September 2025 and I just recently got my first round of dispute and the results are amazing! Steve Park and his team keeps me informed every step of the way! Also, Leni responds in a timely manner whenever I have a question. Overall, 11/10 experience and I highly recommend to those who are looking to fix their credit scores!
I’m excited to continue to work with SP Funding and reach my goals! Thank you Steve!
By Jenn N.
Credit Cowardice to Credit Confidence
I'm good friends with one of the founders and what a valuable asset this is. I've had a credit card for a couple years now not really knowing much about it. Ardy has changed the way I see credit, but how to utilize it and grow my credit score. The advice he has given me has not only given me confidence but actually helped me RAISE my credit score. I truly believe I wouldn't have this 752 credit score without him in my corner.
I can't recommend this crew enough.
By CADE N.
Worked with Steve this past month to…
Worked with Steve this past month to remove some negative items reporting on my credit. I was surprised at how fast their turnaround time was and it jumped my credit score significantly. I will recommend steve and his team to all my friends and family after this!
By Kevin L.
Thumbs up!
Shout out to AJ. I reached out to SP Funding & Credit Repair for help with repairing my credit and he was very honest and upfront with me during our consultation.
After review of my credit report, he told me it was primarily my credit usage that was hurting my score and he suggested that I put my money towards paying off the credit cards instead of paying him for the services as that would be more beneficial in MY situation. I was an opportunity of an easy grab of money. But AJ was honest and I respect that. Thank you and yes I would recommend these guys on that alone! That’s not easy to come by nowadays.
By Luke
Amazing job
Going to start off saying I couldn’t be more happier with steve and his company. February 2025 I believe in his work and I hire him to fix my credit. His team, Lenny and Sam thana was always helpful. Wedispute more than 15 accounts and now in mid August after nearly 6 months my credit went from poor to 775. Thank you steve, I’ll recommend you to anyone that needs help.
By alayne F.
This company is a scam and does illegal…
This company is a scam and does illegal tactics such as use the identity theft tactics wich is totally illegal. They never repaired my credit and made it worse than before. They are a big scam and don't deliver on their promises, they just take your hard earned money and don't do anything to fix your credit as advertised. I rate them a -100 Steve Park is a total scam artist
By Benjamin V.
Response from SP Funding & Credit Repair· Jul 25, 2025
Hi Benjamin,
We were surprised to receive your 1-star review, considering the substantial work and results we’ve delivered on your behalf over the last four months. Let us clarify the facts for anyone reading this review and considering our services:
1. Verified Deletions Across All Three Bureaus
You’ve received an 81% total deletion rate, which exceeds our minimum performance guarantee of 30% stated in your signed agreement. Your credit score has improved significantly, rising from the 540s to the 600–630 range — and would be higher if not for your 70–100% credit card utilization, which we've advised you to reduce.
2. Over $60,000+ in Negative Debt Deleted
We’ve successfully disputed and removed negative items — including collections, charge-offs, inquiries, and public records — from Experian, Equifax, and TransUnion, involving the following creditors and agencies. This is also including many accounts you didn't recognize or authorize you advised us to file for identity theft:
Midland Credit Management – major third-party collections agency
CarMax Auto Finance – auto loan charge-off
Portfolio Recovery Associates – multiple account deletions
Merrick Bank Corporation – charge-off removal
Discover Bank – major revolving credit account
Wells Fargo Card Services – negative credit card tradeline
First Premier Bank – high-interest credit account
Acima Digital (formerly known as Katapult) – consumer leasing collections
Khan Appliances Inc. – multiple commercial collections removed
NetCredit – high-interest personal loan account
Central Portfolio Control (CPC) – third-party debt collections
American Express – charge-off and late payments removed
Capital One Auto Finance – auto loan account
Exeter Finance LLC – high-balance auto loan account
Santander Consumer USA – delinquent auto financing
WCG – additional third-party account deletion
Additional Portfolio Recovery listings – second-round disputes cleared
Multiple inquiries and public records – including judgment and collection entries
These deletions amount to more than $60,000 in resolved derogatory debt — items you previously defaulted on or failed to pay, or accounts you didn't recognize — and we've fulfilled our role in removing them from your credit file.
3. Going Above and Beyond
We gave you a 50% discounted rate to assist your financial recovery AND We offered to continue working out-of-pocket on future rounds at no added cost to help you reach even better results.
Despite this, you’ve left a review that misrepresents our performance and character.
To Potential Clients Reading This:
We invite you to schedule a free credit consultation. We’ll gladly share before-and-after reports, proof of deletions, and official bureau responses so you can see firsthand what we’ve achieved.
SP Credit Repairs is committed to transparency, proven results, and supporting our clients with integrity. We stand by our work and will continue to serve with excellence — even when faced with unfair criticism.
- Steve Park, CEO of SP Credit Repairs/SP Funding -
