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.

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

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!!