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Boostify Reviews and Ratings
Boostify logo
Boostify Financial Solutions is a legitimate debt relief company. It helps borrowers settle credit cards, personal loans and medical bills, with a consolidation loan option through partner Credit9.
Enrolling is still a serious decision. Settlement can mean months of missed payments, credit score damage and fees of up to 25 percent of enrolled debt.
So what do Boostify reviews really say? This review breaks down its fees, ratings, complaints and customer results.
What is Boostify?
Boostify website homepage
Boostify Financial Solutions is a debt relief company based in Irvine, California. It launched in 2023 and operates from 18004 Skypark Circle, Suite 200A. Public records also link the brand to International Financial Solutions LLC.
Boostify negotiates unsecured debts such as credit cards, personal loans and medical bills. The program is not available in every state.
Some cases run through The Law Firm of Higbee and Associates, doing business as Advantage Law.
Note that Boostify shares its name with a few unrelated companies. This review looks only at Boostify Financial Solutions.
Boostify at a glance
- Headquarters: Irvine, California, launched in 2023
- Legal entity: Also listed as International Financial Solutions LLC
- Service: Debt settlement for unsecured debt, plus a consolidation loan option through Credit9
- Availability: Not offered in every state; some cases run through Advantage Law
- Program length: 20 to 48 months
- Fees: 14 to 25 percent of enrolled debt, charged only after you approve a settlement
- First settlement: Four to seven months on average, per Boostify
- Claimed savings: 40 to 50 percent of enrolled debt before fees, a brand figure, unverified
- Credit check: Soft pull for the free debt analysis
- Better Business Bureau (BBB): A+ rating, not accredited
- Trustpilot: 4.9 score from over 1,500 reviews
How Boostify works
Boostify offers two paths based on your credit profile. If you qualify, it refers you to a debt consolidation loan through its partner Credit9.
If you don’t qualify, it places you in its debt resolution program instead. You stop paying creditors and build savings in a dedicated account.
Once you save enough, Boostify negotiates each balance for less than you owe. After six months, you may qualify for the Credit9 loan to pay off creditors and rebuild credit.
Boostify products and services
Boostify focuses on unsecured debt such as credit cards, personal loans and medical bills.
Free debt analysis
Boostify starts every client with a free debt analysis and consultation. A certified debt specialist reviews your balances and budget in one quick call. This step uses a soft credit pull, so it doesn’t affect your credit score.
Debt resolution program
This is Boostify’s main service for clients who don’t qualify for a loan. You make one monthly deposit into a dedicated account instead of paying creditors.
Boostify makes a settlement offer once you save at least 25 percent of an enrolled debt. Programs run 20 to 48 months, with fees from 14 to 25 percent of enrolled debt.
Consolidation loan through Credit9
Boostify refers qualified borrowers to a debt consolidation loan through its partner Credit9. The loan pays off your creditors and can help you rebuild credit over time. Boostify says you may also qualify after six months in the resolution program.
Boostify pricing and fees
Boostify charges no fees until it settles a debt and you approve the agreement. There are no sign-up fees, no cancellation fees and no obligation to finish the program. If Boostify cannot settle your accounts, you do not pay.
Once a debt settles, you pay a percentage of your total enrolled debt. The fee ranges from 14 to 25 percent and varies by state. Boostify collects it as part of your monthly deposit.
You can leave the program at any time without penalty. You get back the funds in your dedicated account, minus fees Boostify already earned and any third-party charges.
Say you enroll $25,000 in credit card debt. Boostify settles the balance for half, so you pay $12,500 to creditors.
A 20 percent fee adds $5,000. Your total cost lands at $17,500. Real savings come to $7,500, or 30 percent of what you owed. The advertised 40 to 50 percent savings applies before fees.
Boostify reviews and ratings, what customers report
Ratings look strong on some sites and thin on others. Every figure below was checked on Aug. 19, 2026.
Trustpilot reviews
Boostify Trustpilot profile
Boostify holds a perfect 4.9 TrustScore on Trustpilot across over 1,500 reviews as of writing.
Nearly every visible review gives five stars and praises named reps for patient, clear explanations. Boostify has claimed its profile and replies to 75 percent of negative reviews, typically within 24 hours.
Several one-star reviewers report repeated texts and calls about loans they never requested. Some say the messages continued after removal requests. Others describe a bait-and-switch, where a loan inquiry turned into a debt settlement pitch.
One reviewer claims enrollment happened without consent. A three-star review points out most ratings come from initial calls, not clients deep into the program.
BBB reviews and rating
Boostify BBB profile
Boostify carries an A-plus rating with the BBB but isn’t BBB accredited as of writing. Customer reviews on BBB average 4.93 out of five stars across over 200 reviews.
The profile lists the company under financial consultants and debt relief service referral. It also shows the business started in 2021 under the alternate name International Financial Solutions LLC.
The BBB shows three complaints in the past three years. Two of the three involve unwanted marketing texts rather than settlement results. One complainant says the texts continued even after repeated stop requests.
ConsumerAffairs reviews
Boostify has no ConsumerAffairs profile as of writing. Check the site again before you enroll, since a new profile can appear at any time.
CFPB complaints
Boostify CFPB complaint
The Consumer Financial Protection Bureau (CFPB) complaint database shows one complaint against Boostify as of writing.
This complaint alleges a consultant downplayed credit damage, tax risks and the need to stop paying creditors.
It also describes an unsolicited text offering a loan the person never requested. Boostify closed the complaint with an explanation and called it an opportunity to improve.
Reddit reviews
Boostify has almost no footprint on Reddit as of writing. No discussion thread covers the company by name. One post asked about Boostify, but it has no comments.
Boostify outcomes and success rate
Boostify publishes its outcome claims in its website disclosure. No independent source verifies these figures as of writing, so treat them as brand claims.
- Claimed savings: 40 to 50 percent of enrolled debt before fees, a 43 percent average
- Condition: applies only to clients who make every monthly payment
- First settlement: four to seven months on average, then every three to six months
- Settlement trigger: you must save at least 25 percent of a debt before any offer
- Completion: Boostify notes not all clients finish the program
- Guarantee: none for any specific savings amount or timeline
- Risks: missed payments can hurt credit, trigger collections or lead to lawsuits
Boostify pros and cons
Based on the review information, Boostify’s advantages and limitations include:
Pros
- No fees until you approve a settlement, and no sign-up or cancellation fees
- Free debt analysis uses a soft credit pull
- Covers credit cards, personal loans and medical bills
- 4.9 Trustpilot score with strong praise for named reps
- Consolidation loan path through Credit9 for qualified borrowers
- Withdraw anytime and keep dedicated account funds minus earned fees
Cons
- Stopping payments can damage credit, trigger collections or lead to lawsuits
- Fees of 14 to 25 percent of enrolled debt can erase much of the savings
- Claimed savings of 40 to 50 percent come from the brand, unverified
- Not available in every state and not BBB accredited
- BBB and CFPB complaints cite unwanted texts and misleading claims
- Reviews focus on initial sales calls, with almost no Reddit or ConsumerAffairs presence
- Forgiven debt may be taxed as income
Who Boostify is best for?
- You carry heavy unsecured debt you cannot repay within a few years
- You already compared other debt relief companies and lower-cost options
- You understand and accept the credit score damage during the program
- You can keep monthly deposits going for the full 20 to 48 months
- You want the option of a Credit9 consolidation loan later
Who should avoid Boostify?
- You can still pay your minimums without strain
- You have not checked nonprofit credit counseling or a direct consolidation loan
- You need a fast payoff rather than a multiyear program
- You live in a state where the program does not operate
- You want a company with a long, independently verified track record
- Aggressive call and text outreach is a dealbreaker for you
Boostify vs. National Debt Relief
National Debt Relief is the larger, older rival. It has operated since 2009 and reports more than 1.5 million clients and $20 billion in settled debt.
- Fees: both charge up to 25 percent of enrolled debt after settlement, and Boostify starts at 14 percent
- Program length: Boostify runs 20 to 48 months, National Debt Relief runs 24 to 48 months
- Accreditation: National Debt Relief is BBB accredited with an A+ rating, while Boostify has the A-plus but no accreditation
- Industry standing: National Debt Relief holds ACDR membership and IAPDA Platinum status, while Boostify holds neither
- Review volume: National Debt Relief shows 45,000 Trustpilot reviews at 4.7 and 58,000-plus ConsumerAffairs reviews at 4.9, while Boostify shows 1,537 Trustpilot reviews at 4.9 and no ConsumerAffairs profile as of writing
- Standout limits: National Debt Relief carries the same settlement risks despite its size, while Boostify lacks accreditation and a deep track record
National Debt Relief offers deeper proof and more third-party oversight. Boostify offers a newer alternative with a much thinner record.
Is Boostify legit?
Boostify is a real, registered company with a physical office in Irvine, California. Public records list it as an LLC started in 2021, also known as International Financial Solutions LLC. The company holds an A-plus BBB rating and a 4.9 Trustpilot score across 1,537 reviews as of writing.
Still, the record carries cautions. The BBB shows three complaints about unwanted texts, and the CFPB shows one complaint alleging misleading claims. None of this proves wrongdoing, but check your state’s debt settlement rules before you enroll.
Final verdict
So, is Boostify legit? The verified record points to a real company, not a scam. Boostify pairs strong customer feedback with a short track record, and the model is fair on paper.
If the program fits your situation, verify the terms for your state before you commit.
Frequently asked questions
Is Boostify legit or a scam?
Boostify Financial Solutions is a legitimate, registered company, not a scam. It has an Irvine office, an A-plus BBB rating and strong reviews. Still, a 2025 lawsuit is open, so track it.
How much does Boostify charge?
Boostify charges 14 to 25 percent of your enrolled debt. You pay nothing until a debt settles and you approve the deal.
Does Boostify hurt your credit score?
Yes, it can. Debt settlement often means missed payments, which lowers your score during the program.
How long does the Boostify program take?
Most programs run 20 to 48 months. Many clients see a first settlement within four to seven months.
Is Boostify safe to use?
Boostify is a real company with a fair fee model. The main risks are credit damage and fees, not the company itself. Verify current terms first.
