Complaints

The complaint text that is displayed might not represent all complaints filed with BBB. Some consumers may elect to not publish the details of their complaints, some complaints may not meet BBB's standards for publication, or BBB may display a portion of complaints when a high volume is received for a particular business.

• Initial Complaint

  Date:01/30/2024

  Type:Service or Repair Issues
  Status:

  ResolvedMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I signed up for their services in April 2023. After the first 90 days,which is what I contracted for, there was no increase to my scores, one dropped by 40 points. They called me in June at the end of the 90 days stating they needed to do another 90 days because my scores didnt improve due to a new negative being added to my report. False info. Hesitantly, I agreed to another 90 days. My representatives changed three times but I only knew this because I checked the portal. I sent messages inquiring about updates and what I needed to do and they did not respond. I did not get a response or any updates from July until January. After no responses and no real changes to my scores, I sent several messages on their portal and emails to cancel the service. They did not respond. They finally responded in January, well after the second 90 day period, when I stopped payment. When I had the payments stopped they began to send me threatening and harassing text messages and emails stating they were going to send negative reports to the credit bureaus if I didnt keep paying them. They also logged in to my credit monitoring account using my social security number and personal information and reset my password to my account. This was confirmed by a representative at *********. They did not have my permission to use my personal information this way and they did not have my permission to log into my account with another company. I am so disappointed in how this company has responded to me requesting to cancel their services after I paid them past the 90 days they initially quoted me, with no real results. They continue to try to charge my cards even after I asked several times in writing to cancel their services. They did nothing to help me, and did not communicate with me for months but still want to be paid. This is not okay. I want the threats to stop, stop using my personal information to log into my accounts, and stop attempting to charge me for services I did not receive.

  Business Response

  Date: 02/01/2024

  A member of our management team reached out on 2/1. They were unable to get ahold of you but left a message. 

  To briefly recap your services though the last follow up we had, we were able to get 8 negative items from the 3 credit bureaus reports, and have additional disputes sent out that we haven't heard from yet. 

  With that being said we have discontinued the billing for your account. Let us know if you have any questions. 
  

  Customer Answer

  Date: 02/01/2024

   
  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me. Thank you!
  
  Sincerely,
  
  ******* Dutch

• Initial Complaint

  Date:01/10/2024

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I contracted 90 Day Credit Experts for credit repair on 9/14/2023, where I signed a contract to allow them to conduct credit repair for 90 days. According to the contract, please see attached documentation, credit service will go beyond the 90 days if any inquiries are conducted or any new accounts are reported to my account. I had a collection account added on 12/18/2023. I informed customer service that my contracted ended on 12/14/2023 and would like to end my contract. They stated that my account review was conducted after the 90 days due to holiday scheduled and therefore, my contract is still valid. Pursuant to the contract, my contract can be ended within 90 days and I believe my contract is fulfilled. I need assistance ending my contract as the obligations has been met.

  Business Response

  Date: 01/11/2024

  ***** ********,

  A member of our manager team reached out on 1/11/24 to go over your case and get you taken care of. They were unable to reach you, but sent a text after.

  Please reach back out to us at ###-###-####. Thanks,

  Customer Answer

  Date: 01/12/2024

  
  
  Complaint: ********
  
  
  
  I am rejecting this response because:
  
  
  
  Sincerely,
  
  
  
  ***** ********

  Customer Answer

  Date: 01/16/2024

  90 Day credit offered no resolution to my claim. I would like my services terminated immediately, as I have fulfilled my 90 day contract. 

  Business Response

  Date: 01/17/2024

  ***** ********,

  A member of our management team reached out on 1/16/24 to get you taken care of. Hopefully that resolved the issue. 

  Thank you.

• Initial Complaint

  Date:12/05/2023

  Type:Service or Repair Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  90 day credit experts are frauding me out of money. They continue to charge my card after they only sent out 1 round of disputes the last 5 months. I was told on the phone and I actually have the recording that he guaranteed my score would reach 670 or higher in the first 90 days. It isn't even at 600. They only got 1 credit agency to delete anything. My other 1 has 4 hard inquiries deleted and the last 1 has nothing. Nothing deleted. These people are a complete scam and there should be some kind of lawsuit on them. How they are allowed to do business is beyond me. I have sent several messages and they won't even return my emails and are STILL charging me. So basically I am going to spend close to 3k for 1 round of disputes. This is appalling.

  Business Response

  Date: 12/18/2023

  Contacted on 12/7 and came to an agreement to exit you from the contract. You will not be paying anything moving forward.

  With that being said as of your last update your scores went up a collective 94 points across the 3 credit bureaus. We wish you the best of luck, if you need anything else int he future please reach out. 

  Thanks,

   

• Initial Complaint

  Date:11/08/2023

  Type:Customer Service Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  WHEN THEY SAY THEY WILL INCREASE YOUR SCORE 100 POINTS THAT INCREASE IS AVERAGED OVER 3 CREDIT AGENCIES. WHO WOULD PAY THIS KIND OF MONEY FOR A COMBINATION OF 33.33 POINT INCREASE OVER 3 CREDIT REPORTING AGENCIES? I HAVE ASKED FOR A REFUND TO NO AVAIL. MY INCREASED SCORES WERE DO SOLEY TO ME PAYING DOWN DEBT. THEY DIDN'T REMOVE ANYTHING FROM MY REPORTS EXCEPT FOR AN AUTO LOAN WHICH WAS IN GOOD STANDING AND INQUIRIES WHICH DID NOTHING TO INCREASE MY SCORES. THIS IS A TOTAL SCAM AND I AM REPORTING THEM TO EVERY GOVERMENT AGENCY POSSSIBLE FOR TAKING ADVANTAGE OF SENIORS LIKE THIS. THIS IS SHAMEFUL AND I WANT MY FULL REFUND, I ALSO ASKED FOR A COPY OF ALL COMMUNICATION SENT OUT AND HAVE SEEN NOTHING AT ALL. i AM ALSO CONTACTING THE ATTORNEY GENERAL.

  Business Response

  Date: 11/09/2023

  ******, we are sorry to hear you had a bad experience with us. We discussed this collective increase with you on a recorded call which you verbally agreed to. Our contract also states the same which you signed. One thing to remember as well, is a warranty like ours is virtually unheard of in the credit repair industry. I'm actually not aware of a single company that warranties their work and challenges every single negative item on a credit report at the beginning. We did all that work on our end as promised and were continuing to work on these negative items when some of them remained on the report after the first round. Credit repair takes time and we aren't always 100% effective the first round which is why our warranty is in place. Our process is however very effective and the other positive reviews about us are accurate. We have been able to help many clients clean up their credit and be able to qualify for homes, cars, etc. Helping clients like this is our mission and our reason for being in business.

• Initial Complaint

  Date:10/11/2023

  Type:Billing Issues
  Status:

  ResolvedMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  This company withheld information and used existing information against me claiming I defaulted in the 90 day agreement. My stem ends and credit reports clearly show otherwise. They are very underhanded in their dealing. Now they have been trying to debit my card every day for the last 3 months

  Business Response

  Date: 10/12/2023

  We have resolved this complaint with this customer. 

  Customer Answer

  Date: 10/12/2023

   
  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me.
  
  Sincerely,
  
  *************************************

• Initial Complaint

  Date:08/29/2023

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  Entered by BBB staff LO Consumer states he hired the business in February 2023. He pays $150.00 per month. He noticed in August that they are taking $150.00 out weekly now which was unauthorized. He cancelled his account on 8/2/23 via email. On 8/12, 8/18 and 8/28 they took $150.00 out of his account each time (he disputed these charges with the bank). He contacted them again today and he was told he is unable to cancel.

  Business Response

  Date: 08/29/2023

  *******, you we're charged 3 times during the month of August because your bill was 3 payments past due, so our automated system re-billed the past due amount. I can see our billing team made multiple attempts to reach you to set up a payment arrangement but was not able to reach you. Per the the contract you signed it states: "Late Charge. If any payment is more than ******************************************************************************************** an amount of 5% of the overdue installment or any such amount as permitted by law from time to time. Company will only charge Client for one delinquency per late payment. No Late Charge will be charged under a written extension or deferral attempt fails, client(s) authorizes Company to attempt to use any other payment methods on file to keep client(s) current. If these attempts also fail, the client(s) file will be placed on a Non-Payment Hold until payment(s) are brought current." 

  If you have further questions please give us a call at ************

   

  
  

• Initial Complaint

  Date:08/09/2023

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  90 day credit experts took my money before doing any work and that’s a law they broke because you can’t take money before doing work on someone’s credit report. They took my money before performing any work I will say they did remove 6 negative accounts but over the last two months they ignored me and all they wanted was money I even tried calling them which I have a paper trail of every interaction or every time I tried calling them i been bounced around to three different representatives for them peighton Alyssa and now a carli that is bad for business also when I call the representative would be in a so called meeting or at lunch I left several messages for them to call yea they called me but it was wanting a 150 dollar payment they finally gave me the impression all they was after is Money if you google them please read some of there reviews from other people complaining the good one are people that was paid or worked for them I had that checked into.if they don’t give me my money back for two months or if they contact my bank for the disputed transactions I will move forward with a law suite against them and file proper complaints against them in sc and Utah with the attorney general’s office they already threatened me with a collection agency so they can do what they want and I promise you I will fight them with legal action and a class action law suite and a defamation lawsuit as well enough is enough!!

  Business Response

  Date: 08/10/2023

  *******, we do not collect ANY money until AFTER your disputes are filed. You are absolutely right we would be breaking the law if we did. You signed up for our program on 3/28/2023, your disputes we're filed on 4/3/2023 (You were texted and emailed your Tracking Numbers with the USPS) your first payment was not until 4/7/2023. We abide by all CROA and Business laws. Looking at your account the reason your score did not go up 100 Points is because you added 4 new late payments to your credit report while we were working on your file. That is why when you sign up we have a Registration Call with you telling you to not add new negative impacts to your credit report, because that defeats the purpose of the work we are doing on our end. Below I have attached this client's results showing our team was successful in removing 4 negative items worth $9,424. 

  90 Day FU
  Current Credit Scores:
  EQ - ***
  EX - ***
  TU - ***
  Day 1 score: 
  EQ - ***
  EX - ***
  TU - ***
  Total Score Increase:
  EQ - 5
  EX - 2
  TU - 0

  Collective Increase: 7
  Accounts Removed: 4
  CCB/ZALES - ****************(EQ)
  PALCITZN - ****************(EQ)
  AFFIRM INC - ********(EX)
  FARM BUREAU BANK - ****************(EQ)
  Total Debt Removed: $9,424
  Total Hard Inquiries Removed: 0
  
  Voided Warranty? Yes 
  Impacted EQ? Yes

  Negative Impact-
  JEFFERSON CAPIT ********** - COLL 05/2023
  CONSUMERS COOP CRED UN - late 04-06/2023
  CONSUMERS COOP CRED UN - late 05-06/2023
  CONSUMERS COOP CRED UN - late 04 & 06/2023

  We are here to help! But this is a very dishonest complaint. Please give our office a call so we can come to a resolution on this. ###-###-####

  Customer Answer

  Date: 08/14/2023

  
  
  Complaint: ********
  
  
  
  I am rejecting this response because:
  Yes they did get some accounts deleted that was it is what they posted which I did not give permission to share with anyone else I will seek legal action for that also sharing my confidential information and showing my credit scores to his knows who they called me Thursday begging me to cancel this with you my bank and the cfpb I texted yes to get them to quit hounding me these people only want your money that’s all they care about if they put anything negative on my credit reports I will have them in a class action lawsuit and that’s a promise!!!
  
  Sincerely,
  
  
  
  ******* ******

  Business Response

  Date: 03/31/2025

  This is a very dishonest complaint and the previous manager did reply back and gave information regarding the complaint.
  
  The customer was very rude and didn't follow through on the agreed terms and conditions.

  
  

  We still cancelled his contract and stopped charging him to resolve the issue.

• Initial Complaint

  Date:07/16/2023

  Type:Sales and Advertising Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  Despite numerous attempts to cancel service, the company employs stall and delay tactics repeating the same you have to wait until next cycle to cancel. I have sent messages since April to cancel.

  Business Response

  Date: 07/27/2023

  ***************** Office Manager contacted you on 7/17/2023 at 2:57pm MST to help resolve this issue but was not able to get ahold of you. Looking at your account it looks like you voided the warranty which is why your contract is not cancelled, our service is a Contract not a month to month agreement, which you agreed to. I have included your results below showing my team helped you remove 7 Negative Accounts, however, your score did not go up because you added new inquiries to your credit report. Please give my office a call so we can come to a resolution on this. Office Number: ************

  
  90 Day FU- 

  Current Credit Scores:
  EQ- 615
  EX- 621
  TU- 623

  
  Day 1 score: 
  EQ- 611
  EX- 607
  TU- 610
  Total Score Increase:
  EQ- 4
  EX- 14
  TU- 13

  
  Collective Increase: 31
  Accounts Removed: 
  CREDIT COLLECTION SVCS 942213
  FIRST INV SC - ****** (from Experian and Transunion)
  IC SYSTEM *** #******
  SELF FINANCIAL/LEAD #******
  TBOM/CONTFIN #******
  ********************** #******
  MIDLAND FUNDING #******

  
  Total Debt Removed:  $1,811.00
  Total Hard Inquiries Removed: 0
  Voided Warranty?
  yes
          
  **NOTES**
  7 accounts removed 
  1 new hard inquiriy 

   

• Initial Complaint

  Date:05/18/2023

  Type:Service or Repair Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I inquired in Jan 11, 2023 about the services provided. During the sales call Danny A***** assured me in the enrollment process that I could cancel at any time. 90 Day Credit touts they can improve your score in 90 days by 100 points. During this time I had 3 different account reps and when we I say the 90 day expiring on April 11th. I tried emailing the Reps, Aly P******, then Linda L***** , then Jocelyn L**** to inquire on cancelling since they guarantee wasn't met and no one responded until after April 11th to say that even if the warranty was not met of increasing my score by 100 points. Jocelyn told me because my credit balance increased (which was after the 90 days). I made the warranty invalid. I asked for subscription to be cancelled as 90 days also has you sign up for a credit monitoring company which charges a separate fee. I told her that 90 day experts didn't make good on their warranty and was told it didn't matter. I am still being charged $100 a month and they refuse to cancel the agreement.

  Business Response

  Date: 03/31/2025

  Please be informed that everything you need to know is in your service agreement.
  
  We did call you before we even started sending out the letters by providing the Dos and Don'ts in order for us to give you those scores and not hurt your scores furthermore.

  
  

  you got your credit cards usage increased by $2000 and that is a negative impact that pulled down your scores and hindered the results that we did for you.

  
  

  
  

  we cancelled your account even though you didn't answer any of our calls or our Manager's call to get this resolved.

• Initial Complaint

  Date:04/26/2023

  Type:Service or Repair Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I don’t want or need they’re services anymore but they’re illegally treating me about a contract. Once again illegal business practices, they locked me under a contract to keep me from canceling my services. I signed up with this company last year June 2022. They’re supposed to make progressive communication calls to let the consumer know what they’re doing for the consumer. All they do is take my money every month without any explanation on what’s being done. Now they’re threatening to put negative remarks on my credit report for not complying with their shake down. I would like to have them return all the money that was paid out to them because my credit score is the same from the day that I hired them to make corrections to my credit report.

  Business Response

  Date: 03/31/2025

  We never forced you to sign the agreement. We explained to you what we will do and you willingly agreed to join and sign the service agreement. 

  
  

  we did not threaten you, we informed you what would happen if you did not follow the agreed terms you and the company service have.
  
  We called you multiple times, and every time you answer we try to resolve and provide you with an explanation so you could understand .

  on your last call with us, you did decided to pay and we cancel your account so this should be resolved.