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Excellent · Verdica composite score based on three weighted sub-scores from public regulator data.
5 active sources · last successful refresh Sep 1, 2026
1 sources need reviewHow this is calculated
Composite = License Standing × 35% + CFPB Complaint Load × 40% + Response Quality × 25%, scaled to 300–850.Read full methodology →
Each sub-score starts at a baseline and adjusts based on real regulatory-record signals. Zero-delta rows show what we checked and confirmed clean. “Data quality” indicates how much source data informed the score.
These are unmodified public reviews from Google Reviews — not Verdica ratings or paid endorsements. Reviews shown as-published, positive and negative alike.
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XPRESS CREDIT MANAGEMENT, LLC scores 830 — these providers rank higher on Verdica's composite trust score.
The Verdica score is a composite trust score from 300 to 850, computed from consumer complaint history and debt-collection licensing maintained by the CFPB and state licensing boards. A score of 830 places XPRESS CREDIT MANAGEMENT, LLC in the excellent (800–850) band. The score reflects publicly available regulator data — it is not a rating from Verdica itself and does not incorporate paid reviews or advertising.
Verdica combines three weighted sub-scores drawn from the CFPB and state licensing boards. Each sub-score reflects a different dimension of collection compliance — CFPB complaint volume, resolution outcomes, and state license status — and is normalized against industry peers before being aggregated to the 300–850 scale.
Verdica pulls public records from the CFPB and state licensing boards: consumer complaint history and debt-collection licensing. Data is refreshed on rolling cycles, typically weekly to monthly depending on the source agency's own update schedule. See the "source data current" indicator on the entity page for the last successful refresh.
Common negative signals include high complaint volume, unresolved disputes, or license suspensions. Any of these appear in the underlying regulator records and pull the sub-score down; the composite reflects the weighted impact.
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I started with a credit score of 480 and now it's a 678.... Thank you guys sooooooo much me and my wife how been doing everything these guys taught us to keep my score going up.... We been in our new home for around 3 months now... I definitely would recommend them to anyone..
View on Google Reviews3 public reviews indexed — not filtered by rating
See all 3 reviews on Google ReviewsYes. Entities can file a dispute directly from the score page, and business owners can claim their profile. Verdica reviews disputes against the underlying regulator record; the score is updated when the source data is corrected. Scores are recomputed automatically as new regulator data arrives.
Took my first payment and never did anything to my credit. Won't return calls or emails. Seems like they just took the first payment and don't want anything to do with me. Unless you want to just shell out money repeatedly these aren't the people for you. Absolutely worthless, people were not knowledgeable about what the last person I spoke to was talking about even though "I will put this in your file" was said every time I had talked to them.
thank you sooooo much!!!! me and my husband bought our first house because of Midwest Credit Care LLC thank you