Credit With 1Eleven Review: 1,224 Members, $37/mo

Thirty-seven dollars. Sixty-seven dollars. Thirty-nine ninety.

Three prices sit on one listing, and only one of them is in the join button.

Disclosure before anything else. I am not a member of Credit With 1Eleven Consulting and no money has gone to Cedetria Tranchant or anyone connected to the business. This review was built from the community’s public Skool About page, the written reviews Skool shows only to paying members, and the owner’s public profile, captured on 9 September 2026. Where a number comes from the sales copy rather than Skool’s own record, I say which.

One more thing to state plainly. This is a review of a listing, not financial or legal advice. Credit outcomes depend on what is actually in your own file, and no dispute service can promise to remove information that is accurate. Anything you read below about results is the seller’s claim, not a prediction about you.

Quick Decision

Join if you want a done-for-you dispute service at the low end of the market, you accept that the real cost is $76.90 a month once the required monitoring tool is counted, and you are comfortable buying from a seller whose own page prints two different prices and two different client counts.

Hold off if price clarity matters to you. The listing says $37 in Skool’s record and $67 in its copy, and it never explains the gap. Hold off too if you were expecting a course. Forty-two modules across 8 courses is a thin library, because the product being sold is the service, not the education.

The current terms are on the Credit With 1Eleven listing.

Cedetria Tranchant, And A Bio That Is One Emoji

Cedetria Tranchant has been on Skool since 6 January 2024, about 20 months before capture. The profile carries a crown badge, which Skool awards on owner earnings and which says nothing about client outcomes.

The bio is a single heart emoji. No location. No company name, no registration number, no licence and no professional credential appear on the Skool profile.

One public link is listed, a Facebook profile. That is the whole external footprint from this page.

For a consumer finance service handling people’s credit files, that is a thin public record. The listing calls her CEO and promises weekly live calls with her. Neither claim can be checked from the About page. If you are considering this, look up the trading entity and its registration in your state yourself before paying, because the Skool listing will not do it for you.

Thirty-Seven Dollars, Or Sixty-Seven?

Skool’s price record says $37 per month. The join button read JOIN $37/month at capture. Those two agree.

The short description on the same listing says: lock in $67 before the price goes up. The longer sales copy closes with: lock in $67 now. Those two agree with each other and not with the button.

I cannot tell you which price you will actually be charged, and neither can the page. It is possible $37 is a live discount, or $67 is a stale line from an older campaign. What it looks like from outside is urgency copy that outran the price record.

A year at $37 is $444. A year at $67 is $804. That is a $360 difference on a product aimed at people whose credit is already under strain. Confirm the number in writing before you enter a card.

The $39.90 That Is Not Optional

The listing states it directly: credit monitoring costs $39.90 a month, is paid to MyFreeScoreNow rather than to 1Eleven, and is required in order to pull your reports and file disputes.

Credit where it is due. Most listings bury a mandatory add-on. This one prints it under a heading that says required, not included.

Now do the arithmetic the page does not. At $37 plus $39.90, the real monthly outlay is $76.90. That is $922.80 a year. At the $67 figure printed in the copy it becomes $106.90 a month, or $1,282.80 a year.

The monitoring fee is larger than the membership fee. Any comparison you run against another credit service has to use $76.90, not $37.

Eight Courses, 42 Modules, And A Quiet Feed

Forty-two modules across 8 courses averages 5 modules per course. That is the thinnest library at this price point among the Skool communities we have measured. It is not automatically a failing, because the product here is a service performed for you, not a curriculum you work through.

The feed is quiet. Two thousand three hundred and sixty-nine posts among 1,224 members is about 1.9 posts per member, and only 4 people were online at capture, roughly 0.3% of the membership. Compare that with trading and agency communities where 15 to 80 posts per member is common. People here are buying a service and waiting for results, not gathering to talk.

Five admins for 1,224 members is about one per 245. For a business that files disputes on behalf of clients, that ratio matters more than the module count does.

What Done-For-You Means Here

The seller describes unlimited done-for-you credit repair, expert disputes filed every month across all three bureaus, monthly credit audits, $1,000,000 identity theft protection, and weekly live calls with the CEO. The bonus list adds funding access, ChexSystems help, primary tradelines, a Navy Federal approval strategy, a mortgage approval strategy, a business credit guide, and one-to-one guidance.

Every item there is the seller describing the seller’s product. Skool independently records 8 courses, 42 modules, 1,224 members and 2,369 posts. It records nothing about what gets filed on your behalf or what happens after it is filed.

Two lines deserve attention. Primary tradelines that report is a phrase with a long and mixed history in this industry, and the listing gives no detail on what is being offered. The funding bonuses, $50K+ personal and $100K+ business, are access claims with no approval rates attached.

The page also says active member equals active credit repair. Read that as it is written: stop paying, work stops.

Two Sets Of Client Numbers On One Page

The short description claims 1,600+ clients and $2M+ in debt removed. The longer copy on the same listing claims 2,000+ clients served and $5M+ removed.

Those cannot both be current. The gap on the dollar figure is $3 million, which is not a rounding difference.

The likeliest explanation is that one block was updated and the other was left behind. It is still the second internal contradiction on a single About page, after the price. Neither figure carries a date, a methodology or an audit, and debt removed is not a defined term. A collection account deleted from a report is not the same as a debt discharged, and a reader in trouble could easily read it as the second thing.

The page also says 2026 Skool Games Winner. That is a platform contest about community growth. It measures the seller’s marketing, not your credit result.

Seventeen Reviews, And The Number Nobody Writes

The average is 5.0 across 17 reviews, from 1,224 members. That is a response rate near 1.4%, or one review for every 72 members.

Skool only accepts reviews from paying members, so nobody can buy a rating here. Seventeen voices out of 1,224 is still a narrow window.

Three are worth reading. One member writes that she has been signed up since May, that her first two rounds moved her score slowly while the back end progressed, and that a third round has now come through (a member review on Skool, August 2026). Another, two months in, says she has seen some results and calls it affordable (a member review on Skool, August 2026). A third praises clear explanation and consistent communication, and says positive changes have started showing on her profile (a member review on Skool, August 2026).

What none of them states

Not one visible review names a point gain, a starting score, a finishing score, a specific account deleted, or a loan approved afterwards.

They describe process, communication and patience. The most detailed of them says progress was slow for two rounds. That is honest and useful, and it is not a result.

For a listing headlined with millions in debt removed, no member writing publicly puts a number on their own file. That is the finding I would weigh hardest.

The 20% Referral Commission Is Sold As A Feature

The membership benefits list includes a 20% referral commission, and Skool records the affiliate rate at 20%.

On a $37 membership that is $7.40 per referral per month. It is not a large sum. What matters is that earning from referrals is being sold to members as part of the value of joining.

That shapes what you read. Some of the enthusiasm about this community, inside the feed and outside it, comes from people who are paid when you sign up. Check for a disclosure on any recommendation you find. This review earns nothing from it.

Don’t Join If

• You need to know the price before you pay. The listing shows $37 and $67 without explaining either.
• You cannot afford $76.90 a month. The required monitoring subscription is not optional and is billed by a third party.
• You expect accurate negative entries to disappear. Results depend on what is actually in your file, and nobody can promise that.
• You want a verifiable operator record. The bio is one emoji, and no licence, company number or location is published.

My Verdict

The good parts are real. Thirty-seven dollars is genuinely cheap for a monthly dispute service, the required $39.90 tool is disclosed rather than hidden, 5 admins for 1,224 members is a workable ratio, and 17 paying members have all rated it five stars, with one describing a slow start honestly rather than gushing. The owner has run the community for 20 months.

The weak points are about what the page says about itself. One listing carries two prices, $360 a year apart. The same listing carries two client counts and two debt totals, $3 million apart. The bio is a heart emoji with no credential behind it, in a regulated consumer finance category. Forty-two modules is thin, and no visible review names a single point of score movement.

If you go ahead, get the price confirmed in writing, budget $76.90 a month, and pull your own reports so you can see for yourself what changes and when. For a comparison with another credit community and how it handles the same disclosure problem, read our AI Profit Boardroom review on published guarantee terms, and the La Tribu DiVisual review shows what a founder profile with real public links looks like. The listing is here.