Helping Hands Financials LLC (helpinghandsfinancials.com) has a 4.9 out of 5 rating on OK.one, based on 64 user reviews collected here. It is listed under Money & Insurance and its reputation is excellent. Praise is nearly unanimous, with 99% rating it 4 stars or higher; The business has replied to 100% of negative reviews. Last updated 2026-08-10.
What people say
P
Paul Banks · 7 reviews · Experienced 2026-07-30 ·
★★★★★
Review ONLY for onboarding process
Please understand this review is ONLY about the onboarding experience. It has nothing to do with their actual accomplishments or future ability to accomplish what they say. Virtually every review is the same here in that respect because they ask for a review at the same time the first dispute letters are sent. Now that you know what to expect, I will say that all 3 people I have spoken with have been excellent and clear about their costs and expectations. Rozy, Cheryl, and Thais were able to explain everything. Yes, a lot of what they say is scripted and you can tell they are reading from a script but I'm guessing that when you do so many of these a day it's easier just to read from a script rather than try to custom make each conversation. Understand, you DO NOT get your money back if they fail. However, they will continue to work for no monthly charge until they reach the 70% guarantee. So, if anyone complains about not getting their money back they obviously did not read the contract. Is it expensive? Not at all if they accomplish what they say. If they accomplish nothing in 6 rounds (210 days) then expect to be out at least $1,000. At least until they reach the 70% removal. You WILL have to do work. They explain that in onboarding. You WILL have to eventually pay your bills (it's the law). They will get the negative removed. Please understand that if the negative is removed and you choose not to pay what you owe to the defaulted accounts then they will probably go back on your credit report. But at least they tell you that you can negotiate a significantly lower rate after it's been taken off of your credit report rather than doing it beforehand. However, you don't find this out until after you've paid the initial fee and then watch the videos. So as far as my opinion goes I will say that they are clear about what to expect and if you don't follow what they say then this will not help you.
Reply from Helping Hands Financials LLC2026-08-03
Thank you so much for taking the time to leave such a thoughtful and detailed review, Paul!
We truly appreciate you highlighting your onboarding experience and recognizing the efforts of Rozy, Cheryl, and Thais. We'll be sure to share your kind words with them they'll be thrilled to know they made a positive impression.
Thank you as well for emphasizing the importance of understanding the program and the Service Agreement. Our goal is to be transparent about the process, expectations, and the partnership involved in achieving lasting credit improvement. We believe that educating our clients is just as important as disputing inaccurate or unverifiable items, and we're glad you found the onboarding informative and clear.
We appreciate your trust in Helping Hands Financials and look forward to supporting you throughout the rest of your credit journey. Thank you for choosing us!
A
Arthur Delatorre · 1 review · Experienced 2026-07-31 ·
★★★★★
Helping hand financial onboard meetings…
Helping hand financial onboard meetings when great very helpful in regards to my credit and how they will do everything to help
Me reach my goal.
Reply from Helping Hands Financials LLC2026-08-03
Thank you for your kind review, Arthur!
We're so glad to hear that your onboarding meeting was helpful and provided you with a clear understanding of your credit journey and the steps we'll be taking to help you reach your goals.
Thank you for placing your trust in Helping Hands Financials. We're excited to work alongside you and look forward to supporting you every step of the way as you build a stronger financial future!
I was with Helping Hands Financial for nine months. They lied about everything they were very prompt in the beginning made everything sound perfect. By month three they stopped getting a hold of me. My credit actually went down because they alerted all the collection agencies that have been on my credit report and they were three years old and by doing that they all updated the information on my credit report so it dropped my credit a lot of points. By month four they said it was going to get better we promise. In the contrary it got much worse. I paid all my credit cards down. I did exactly what they told me to do and nothing got better. They are a complete scamming company please do not use them because your credit will not reach 700 in six months like they say I promise you that run from them again, they are a complete scamming company and if you look at the reviews, they are only people that just signed up. I could not find anybody that had six months or more with them run from them and they did not refund any of my money. The worst company I’ve ever seen complete liars and complete scammers. Please read this post and listen to my voice. They get people that are in bad situations with bad credit and they take advantage of you. It is really sad shame on this company. I hope this company goes under that is all I gotta say about that and I will continue to put these reports on their trust pilot every day so people can see the truth if I can give you any advice, dude debt consolidating it may take a couple of years, but it will build your credit back and you’ll get out of debt.
Reply from Helping Hands Financials LLC2026-08-03
Hi Derek,
We're sorry to hear that your experience did not meet your expectations. We respect your right to share your opinion; however, we'd like to provide additional context regarding your account so readers have an accurate understanding of the services provided.
1. "They lied about everything... They are a complete scamming company... complete liars." These are serious allegations, and we respectfully disagree. Throughout your enrollment, our team followed the process outlined during your consultation and in your signed Service Agreement. Our goal has always been to challenge inaccurate, unverifiable, or outdated negative information while providing education and guidance to help clients build stronger credit habits. We strive to be transparent about our process, and no specific credit score or outcome can be guaranteed because every client's credit profile is different.
2. "By month three they stopped getting a hold of me." Our records show that your account remained active until it was CANCELED IN APRIL. During your active enrollment, our team continued servicing your account and communicating with you. Once an account is canceled, DISPUTE ROUNDS, ACCOUNT MONITORING, AND ACTIVE COMMUNICATION naturally come to an end.
3. "My credit actually went down because they alerted all the collection agencies..." When disputes are submitted, the CREDIT BUREAUS contact the data furnishers to investigate the disputed accounts. During that investigation, creditors or collection agencies may update the information they report, which can sometimes result in TEMPORARY CREDIT SCORE FLUCTUATIONS. While we understand that can be frustrating, your account also experienced measurable progress, including the removal of 10 NEGATIVE ITEMS, consisting of 7 COLLECTION ACCOUNTS, 2 CHARGE-OFFS, AND 1 HARD INQUIRY.
4. "I paid all my credit cards down... I did exactly what they told me to do... my credit will not reach 700 in six months." We appreciate the effort you made toward improving your credit profile. Credit score growth, however, depends on multiple factors beyond the dispute process, including PAYMENT HISTORY, CREDIT UTILIZATION, CREDIT MIX, ACCOUNT AGE, AND NEW CREDIT ACTIVITY. During your enrollment, your CREDIT UTILIZATION REMAINED AT 32%, and your MASTERCLASS PROGRESS WAS 18%. These factors, along with the information being reported to the credit bureaus, all contribute to overall credit score movement. For that reason, results and timelines vary from client to client.
5. "They did not refund any of my money." Your signed SERVICE AGREEMENT explains that fees are NON-REFUNDABLE because work begins immediately. It also includes our 70% DELETION GUARANTEE, under which we continue providing services AT NO ADDITIONAL COST after six completed rounds if the guarantee conditions are met. According to our records, your account ended before all six rounds were completed, so that stage of the program was not reached.
6. "The reviews are only people that just signed up." Our TRUSTPILOT reviews come from CLIENTS at different stages of their credit journey. Some reviews reflect clients' onboarding experience, while many others come from clients who have completed multiple dispute rounds or successfully finished the program and are sharing their long-term results.
We understand that your experience has been frustrating, and we're genuinely sorry that it left you feeling this way. Our intention has always been to provide transparent guidance and support throughout the credit repair process, and we regret that we did not meet your expectations.
We appreciate you sharing your feedback, as it helps us continue improving our service. We sincerely wish you success on your credit journey and thank you for giving us the opportunity to work with you.
Your Helping Hands Financials Team
Thank you for your review, Michael!
We're delighted to hear that you found the information provided to be consistent throughout your experience. Clear, transparent, and consistent communication is something we strive for with every client, so it's wonderful to know that came across during your journey with us.
Thank you for choosing Helping Hands Financials. We appreciate your trust and look forward to continuing to support you as you work toward your financial goals!
c
customers gel · 4 reviews · Experienced 2026-07-29 ·
★★★★★
I have had an excellent experience with…Casandra
I have had an excellent experience with Helping Hands Financials LLC. From the very beginning, their team has been professional, knowledgeable, and genuinely committed to helping me improve my credit. I’m already seeing a significant positive impact on my credit score, and the progress has exceeded my expectations. They keep me informed throughout the process, answer my questions promptly, and make everything easy to understand. It’s clear they truly care about their clients’ success. I highly recommend Helping Hands Financials LLC to anyone looking to rebuild or strengthen their credit. Thank you for the outstanding service and for helping me move closer to my financial goals!
Reply from Helping Hands Financials LLC2026-08-03
Thank you so much for your thoughtful and heartfelt review, Gel!
We're honored to hear that you've had such an excellent experience with Helping Hands Financial. Knowing that you're already seeing a significant positive impact on your credit score and that our team has exceeded your expectations is incredibly rewarding.
Our mission is to provide not only effective credit repair services but also clear communication, education, and support throughout every step of the journey. We're thrilled to know that our team's professionalism, responsiveness, and commitment have made a positive difference in your experience.
Thank you for trusting Helping Hands Financial and for recommending us to others. We're excited to continue supporting you as you move even closer to your financial goals. Congratulations on your progress, and thank you for allowing us to be part of your success!
C
Courtney Mitchell · 1 review · Experienced 2026-07-31 ·
★★★★★
Clear and concise
I genuinely appreciate the attention to detail and exceptional customer service. Everyone is genuinely interested and excited about the services and shows, and they show a lot of care.
Reply from Helping Hands Financials LLC2026-08-03
Thank you so much for your thoughtful review, Courtney!
We're truly grateful for your kind words. It means so much to hear that our team's attention to detail, exceptional customer service, and genuine care made a positive impression on you. We strive to make every client feel supported, informed, and valued throughout their journey.
Thank you for trusting Helping Hands Financial. We appreciate the opportunity to help you work toward your financial goals and look forward to continuing to support you every step of the way!
⭐⭐⭐⭐⭐
I am proud to leave this outstanding five-star review for Helping Hands Financial. They are truly one of the most professional, knowledgeable, and effective credit-repair companies I have ever worked with.
When I started, my credit score was in the low 500s. Through their expertise, persistence, and dedication, they helped me reach the mid-600s, and I am now making strong progress toward the 700s. The results have been truly remarkable.
I especially want to recognize Sammy. She helped me tremendously by clearly explaining every step of the process and making sure I understood exactly what was happening with my credit. She was patient, professional, supportive, and always willing to answer my questions. Sammy is absolutely the best, and her guidance made this entire experience much easier and more encouraging.
What separates Helping Hands Financial from other companies is how far they go for their clients. They are consistent, understanding, and genuinely committed to helping people rebuild their financial future. They do more than work on your credit—they educate you, guide you, and treat your situation with genuine care and respect.
Good credit is extremely important in the United States. It can affect your ability to purchase a home, finance a vehicle, rent an apartment, obtain business funding, and access better financial opportunities. Helping Hands Financial has the knowledge, strategy, experience, and determination to help people get their credit back on track.
I highly recommend Helping Hands Financial to anyone serious about reaching the 700s, working toward an 800 credit score, and building a stronger financial future. They went above and beyond for me, and Sammy played a major role in helping me understand the entire process. They truly have what it takes to deliver real results!
⭐⭐⭐⭐⭐
Reply from Helping Hands Financials LLC2026-08-03
Thank you so much for your incredible review!
We're truly honored to have been part of your credit journey and are thrilled to hear about your progress from the low 500s into the mid-600s. Milestones like yours are exactly why we're passionate about helping our clients achieve their financial goals.
Your recognition of our team's professionalism, dedication, and commitment to educating our clients means the world to us. We believe that lasting credit success comes from combining strategic credit repair with the knowledge and tools our clients need to build a stronger financial future.
Thank you for placing your trust in Helping Hands Financial and for recommending us to others. We look forward to continuing to support you as you work toward the 700s and beyond. Congratulations on your progress, and thank you for allowing us to be part of your success story!
Scores rose!
Got a deletion all in the first round! Amazing!
Reply from Helping Hands Financials LLC2026-07-31
Thank you so much for the wonderful review, Oniel! We are thrilled to hear about your score increase and that first-round deletion success.
Our team at Helping Hands Financials is dedicated to helping you achieve your financial goals, and seeing results like this right out of the gate is amazing. We're proud to be part of your journey and are here to support you every step of the way!
J
Jeremy Beck · 2 reviews · Experienced 2026-07-30 ·
★★★★★
Simple and easy onboarding process
Simple and easy onboarding process! Friendly staff!
Reply from Helping Hands Financials LLC2026-07-31
Thank you so much for your kind words, Jeremy!
We're thrilled to hear that you had a simple and easy onboarding experience. Our team is committed to making the process as smooth, straightforward, and welcoming as possible, so it's wonderful to know we delivered that for you.
We truly appreciate you taking the time to share your feedback and are excited to be part of your credit journey. Thank you for choosing Helping Hands Financials—we look forward to supporting you every step of the way!
So far so good. Just completed the first round of work and I jumped a cumulative 150 points. I'm happy.
Reply from Helping Hands Financials LLC2026-07-31
Thank you for sharing your experience, Jameel! Congratulations on your progress! A cumulative increase of 150 points after just the first round is an exciting milestone, and we're so glad to hear you're happy with the results so far.
We're grateful for the trust you've placed in Helping Hands Financial and look forward to supporting you through the remaining rounds of your credit journey. Here's to even more progress ahead!
J
J Kyle Graham · 1 review · Experienced 2026-07-30 ·
★★★★★
From beginning to end
From beginning to end . It has been a seamless experience. I look forward to a great experience . Kyle
Reply from Helping Hands Financials LLC2026-07-31
Thank you so much for your kind words, Kyle!
We're delighted to hear that your experience has been seamless from beginning to end. Providing a smooth and stress-free onboarding experience is exactly what we strive for.
We truly appreciate your trust in Helping Hands Financial and are excited to continue supporting you throughout your credit journey. Thank you for choosing us—we look forward to delivering a great experience every step of the way!
So far in just the first month they have deleted 20 negative items and got my credit to go up over 80 point between all the credit bureaus combined. Cant wait to see how the progress continues.
Reply from Helping Hands Financials LLC2026-07-31
Thank you so much for sharing your experience!
We're thrilled to hear about your progress—having 20 negative items removed and seeing your credit increase by over 80 points across all three credit bureaus in just the first month is an incredible milestone.
Thank you for trusting Helping Hands Financials with your credit journey. We're excited to continue working with you and look forward to helping you achieve even greater results in the months ahead!
These guys deliver! I've tried other services to no avail but Helping Hands is the real deal. Cassandra is great.
Reply from Helping Hands Financials LLC2026-08-03
Thank you so much for your wonderful feedback, Teo!
We're thrilled to hear that you've had such a positive experience with Helping Hands Financial and that we've been able to make a difference after your previous experiences. Knowing that you see the value in our program means a great deal to us.
We'll also be sure to share your kind words with Cassandra she'll be delighted to know she made such a positive impact on your journey.
Thank you for trusting Helping Hands Financials. We're excited to continue working with you and helping you achieve your credit goals!
J
Joseph Strazzera · 1 review · Experienced 2026-07-31 ·
★★★★★
Very easy to get started
Very easy to get started, everything was up front and transparent. Cost, plan moving forward, how to get where we want to be. Would 100% recommend. Will update in 6-9 months to see how the progress is and if I end up with the credit score I was promised.
Reply from Helping Hands Financials LLC2026-07-31
Thank you so much for your thoughtful review, Joseph!
We're delighted to hear that your onboarding experience was easy, transparent, and informative. Our goal is to ensure every client clearly understands the process, the costs, and the roadmap toward achieving their credit goals, so it's wonderful to know that came through.
We truly appreciate your recommendation and your trust in Helping Hands Financial. We're excited to continue working with you over the coming months and look forward to supporting you every step of the way. We can't wait to see your progress and celebrate your future milestones together!
M
Michael · 4 reviews · Experienced 2026-07-31 ·
★★★★★
Helping hands financial has gone above…
Helping hands financial has gone above and beyond for my account. My credit has gone up 231 points with all three bueros. The customer service is amazing.
Reply from Helping Hands Financials LLC2026-07-31
Thank you so much for your incredible feedback, Michael!
We're thrilled to hear that Helping Hands Financials has gone above and beyond for you. Seeing your credit improve by 231 points across all three credit bureaus is an amazing accomplishment, and we're honored to have been part of your journey.
Your kind words about our customer service mean a great deal to our team. Thank you for trusting us with your credit goals. We look forward to continuing to support you and celebrating even more milestones ahead!
C
Carlos Licor · 1 review · Experienced 2026-07-29 ·
★★★★★
Roxy was very informative and helpful
Reply from Helping Hands Financials LLC2026-07-30
Hi Carlos! Thank you for your kind review! We're so glad to hear that Rozy was informative and helpful throughout your onboarding experience. Providing clear guidance and ensuring our clients feel confident every step of the way is what we strive for. We truly appreciate your trust in Helping Hands Financials and look forward to supporting you on your credit journey!
P
Pedro D · 3 reviews · Experienced 2026-07-29 ·
★★★★★
They're very attentive and productive
They're very attentive and productive; in my FIRST round, my scores have gone up 100 points! Jean responds quickly! Thumbs Way Up!
Reply from Helping Hands Financials LLC2026-07-30
Thank you so much for your amazing review, Pedro! Congratulations on your incredible 100-point increase in your very first round that's an exciting milestone! We're thrilled to hear that you've had such a positive experience with our team and that Jean has been responsive and supportive throughout the process. Thank you for trusting Helping Hands Financials. We look forward to helping you achieve even more success on your credit journey. Thumbs way up to you as well!
c
customer · 2 reviews · Experienced 2026-07-29 ·
★★★★★
Onboarding experience
The onboarding experience was easy and informative. I had enjoyed the process and recommended this style of onboarding new clients.
Reply from Helping Hands Financials LLC2026-07-30
Thank you so much for your kind words! We're thrilled to hear that your onboarding experience was easy, informative, and enjoyable. Our goal is to make every new client feel confident and well-prepared from day one, so it's wonderful to know we achieved that for you. We truly appreciate your recommendation and your trust in Helping Hands Financials. We're excited to be part of your credit journey and look forward to celebrating your future success!
M
Mark Kithcart · 10 reviews · Experienced 2026-07-30 ·
★★★★★
I had an outstanding onboarding…
I had an outstanding onboarding experience with Helping Hands Financial. Alexamae Subrado was professional, friendly, and incredibly helpful throughout the entire process. She explained each step clearly, answered my questions promptly, and made sure I knew exactly what documents were needed. Her communication was excellent, and she made the onboarding process smooth and stress-free. I truly appreciate her patience, attention to detail, and dedication to providing great customer service. Thank you, Alexamae, for making this such a positive experience!
Reply from Helping Hands Financials LLC2026-07-30
Hi Mark! Thank you so much for your wonderful review! We're delighted to hear that you had such an outstanding onboarding experience with Helping Hands Financial. Alexamae takes great pride in providing clear communication, personalized support, and making the process as smooth and stress-free as possible. Your kind words about her professionalism, patience, and attention to detail truly mean a lot. We appreciate your trust in us and look forward to helping you achieve your credit goals. Welcome to the Helping Hands Financial family!
L
Lisa Allred · 4 reviews · Experienced 2026-07-29 ·
★★★★★
Working through my credit reports from…
Working through my credit reports from all three bureaus has been stressful for me at times. With Helping Hands the process is smoother and less stressful because they know what they are doing. I wasted so much time and energy myself trying to resolve issues on my own. With Helping Hands they do all the work and I get updates every cycle. They always answer and respond to my concerns and take extra time to make sure I understand the process. They are truly a blessing to me. I highly recommend them to anyone who is struggling with credit issues. I’m not where I want to be yet but the road to there seems so much brighter with their expertise.
Reply from Helping Hands Financials LLC2026-07-29
Hi Lisa! Thank you so much for your heartfelt review. It means the world to us to know we've been able to make this process less stressful and give you the peace of mind you deserve. We understand how overwhelming credit repair can feel when you're trying to navigate it alone, and we're honored that you've trusted us to walk alongside you. Thank you for recognizing our team's commitment to keeping you informed and ensuring you feel supported every step of the way. Your journey isn't over yet, but we're excited to continue helping you reach your goals. We truly appreciate your recommendation and look forward to celebrating many more milestones with you!