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:04/12/2023

  Type:Order 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.

  This business is committing fraud. They advertise a 100 point credit score increase within 90 days WITH a warranty to end your contract if that obligation is not met. They make you sign a contract that is so convoluted, the average consumer would never understand. They DO NOT offer a warranty and they claim that the 100 point increase is a combination of ALL points from every credit bureau. They intentionally target minorities, people in poverty, and non-college educated individuals. They continue to lie by advertising a no up front cost. However, they REQUIRE an initial $150 fee up front before any work is performed. In my particular case, they did not increase my score by a single point and are refusing to end my contract. This is blatant fraud and deception to take advantage of low income people trying to improve their lives. This needs to be reported to the US attorneys office as they are committing multiple federal offenses.

  Business Response

  Date: 04/13/2023

  *****, you are what's wrong with this world right now. We make our program VERY clear when you sign up what to expect, when to expect it, and how much it's going to cost. We do NOT charge you $150 upfront. Your first payment is after the disputes are filed, which is why we texted & emailed you your tracking numbers with the ***** Please view the appointment dates of your file below: 

  ENROLLMENT DATE: 11/21/22

  Disputes Filed/Mailed (Text): 11/23/22

  FIRST PAYMENT: 11/27/23

  30 Day Follow Up (Text & Email): 12/23/22

  60 Day Follow Up (Text & Email): 01/25/23

  90 Day Follow Up (Call): 02/27/23

  Here is this clients results: 

  Current Credit Scores:
  TU: 630    EX: 598    EQ: 621
  Day 1 score: 
  TU: 596    EX: 573    EQ: 575
  
  Accounts Removed:
  COLLECTION - #****** 11/04/2019
  USDOE/GLELSI - #****** 08/04/2010
  USDOE/GLELSI - #****** 03/26/2009
  TOTAL ************** #******
  Total Debt Removed: $309
  Total Hard Inquiries Removed: 0
          
  **NOTES**
  105 collective increase
  Negative Impact- 1 new hard inquiry
  Negative Impact- CREDITONEBNK- new acct 2/9/23, balance is $81. credit limit is $300.

   

  All clients that join our program go through a Registration Call, that Registration Call is where clients are read the terms of our program after they sign the contract to make sure they understand and agree, which ***** agreed to. 

• Initial Complaint

  Date:03/27/2023

  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.

  I signed up for 90 day credit on the basis of at least 100 points in 90 days, Which they failed to reach,in which I believed would cancel the contract.due to financial hardships,I could no longer continue with them being a 70 year old man , totally disabled. They are talking about sending account to collections, which would further damage my credit , along with ******** already costing me already 98;points.i feel I got ripped off.l never received full contract

  Business Response

  Date: 03/28/2023

  *******, my team made MULTIPLE attempts to work with you on the payments and you still refused to pay. We got you really good results, we helped remove 5 negative items off your credit report that totaled $5,988 of bad debt we removed from your credit report. The reason you have bad credit is because you don't pay companies you agree to pay.  
  
  90 Day FU
  Current Credit Scores: TU: 632 EX: 560 EQ: 556
  Day 1 Credit Scores: TU: 600 EX: 573 EQ: 556
  
  
  Accounts Removed:
  NONE - #******
  EAGLE LOAN COMPANY O - #******
  CKS PRIME INVESTMENTS - #******
  ********************** - #******
  NATIONAL CREDIT ADJUST - #******
  
  
  Total Debt Removed: $5,988
  Total Hard Inquiries Removed: 12
  
  
  NOTES: Collective Increase: 32
  Impacted by Equifax Breach: Yes
  
  Negative Impact -

  KOHLS/****** #****** new late payments for November and December

  Negative Impact -
  ***** 1STCLS #****** increased balance from $1,486.00 to $2,733.00 - credit limit is $3,025.00
  
  
  I feel we we're ripped off by having our team do all this work for free, I hope you don't treat another company the way you treated mine. 
  

  
  

  Customer Answer

  Date: 03/28/2023

   
  Complaint: 19859774
  
  I am rejecting this response because:
  
  Since ******** put this on my credit report, and y'all refuse to have them remove it.
  ***************************

• Initial Complaint

  Date:03/13/2023

  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.

  This company is a scam. In their service agreement it states "PLEASE NOTE, NO PAYMENT IS REQUIRED UNTIL SERVICES ARE RENDERED IN FULL AND COMPLETED."
  I signed up with them in august of 2022, paid $150 a month plus $30 for the credit monitoring website. After 90 not one item was removed from my credit report, and my score stayed the same. When I spoke to the women who was handling my case, she said they will try again and send out letters and hopefully it will land on a different persons desk... and then she said she can lower my price to $99 dollars a month, so I agreed to that.
  Anther 30 days passed and again, not one single item was removed from my credit report and my score is the exact same number as it was back when I signed up.
  I called and cancelled my contract because they did not do one thing. They will not refund my money of $587, even though when you speak to them to sign up they say money back if your score does no go up.
  So I paid $587 for nothing. Stay away from this company.

  Business Response

  Date: 03/27/2023

  This is not an honest complaint. ALL of the work is done before any payments are collected, that is why all clients that join our program have their disputes filed before collecting any payments. Here is the tracking numbers with the USPS for this clients file:
  
  
  TransUnion: <**********************> 
  Experian: <**********************> 
  Equifax: <**********************>
  
  
  We offer a 100 point Service Warranty for all of our clients that join our program because the results in credit repair are different for everyone, there is no such thing as a guarantee, but with our service warranty it protects you from being locked into a contract without getting results like most credit repair companies do. We have enough respect for our clients to tell them to STOP paying us if we can not raise their score a MINIMUM of 100 points in 90 days. We honored our warranty for this client and cancelled her from our program on 12/6/22. 

  Customer Answer

  Date: 03/28/2023

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

  Customer Answer

  Date: 04/03/2023

  They claim they did not charge me until they did work.  That is completely false.  They did charge me on august 8th 2022, before any work on my credit was done.   

   

  Business Response

  Date: 04/11/2023

  ********* ******, Signed up for our program on 8/1/23 please view the appointment dates on this file below: 

  
  Appt. Schedule Disputes

  Welcome Call (Call): 8/2/2022
  Filed/Mailed (Text): 8/5/2022

  FIRST PAYMENT 8/8/2022

  30 Day Follow Up (Text & Email): 9/1/2022
  60 Day Follow Up (Text & Email):
  10/3/2022 90 Day Follow Up (Call): 11/1/2022

  
  Your disputes WE'RE filed before ANY payment was collected, that is why we texted and emailed you your Tracking Numbers with the USPS on 8/5/23. 

  
  "********* ******, this text message is to inform you that your disputes are officially in the mail!! Below are your tracking numbers for your records!! TU: <**********************> EX: <**********************> EQ: <**********************> You will start to receive emails and physical mail from multiple sources such as the CFPB and FTC, letting you know a fraud alert has been issued on your credit. This is a step we take in our process to freeze your report while we dispute. You DO NOT need to respond to any of the mail or emails you receive. We are handling everything!! If you have any questions, call or text me!
  08/05/2022"

  
  This customer also made false claims to her bank and disputed the payments made to our company, we have since WON the dispute as the bank found this customer in the wrong. 

  Customer Answer

  Date: 04/14/2023

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

  The company still took my money and did not deliver on what they said they would do.  Again my credit score did not change, and nothing was removed from my credit report.  

  They acknowledged that, and still would not refund my money.  They just kept offering to lower my monthly payment.  

  And yes, I know I disputed the charges with my bank, and I should have cause the company is a scam. 
  
  
  
  
  
  
  ********* ******

• Initial Complaint

  Date:02/24/2023

  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.

  I hired this company’s services to help with my credit scores. Their promise was to increase my scores by 100 points, and in those 90 days the company failed in communicating the process and results. Today I requested for this service to be cancelled and their representatives refutes citing contract. However, when looking at my credit scores, their credit report source shows much inflated scores than what another report I pulled the same day shows. I ask for this company to cancel the contract immediately, as they are providing me with the wrong information, while locking me in a contract of 12 months paying $150 monthly.

  Business Response

  Date: 03/28/2023

  We have spoken with this client and resolved this issue. This client informed us he will be removing his complaint with the BBB. 

• Initial Complaint

  Date:02/22/2023

  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 signed up for this program in October. I was promised phone calls every month I was promised 100 points at 90 days and none of that has happened. I never get the phone calls the points have not gone up. I’ve done more for my credit in the last month on my own for free than they have done I was told I wouldn’t pay anything unless they had gotten my score up in 90 days and up 100 points across the three bureaus, which they have not done. I have asked them repeatedly to call me so that I could discuss canceling the service because they have not followed through and they actually are in breach of contract because they have not done the things that they said they would do in the contract. I have paid them $150 a month and I have seen nothing happened. I would like my $600 back or I’m going to continue the process with this and file a civil suit. I’m hoping that you can help me to get this money refunded

  Business Response

  Date: 03/27/2023

  RESPONSE for Complaint ID: ********

  
  

  This client signed up for our program on 10/3/22, within 90 days of working with our company we we're able to remove $6,025.00 of negative items off her credit report including 10 negative items. This client VOIDED the warranty by adding new negative items to her credit report during the 90 days. All clients that join our program agree to not add new negative items to their credit report and are informed IF they do it will VOID the warranty, thus, they will be responsible for the full balance. As a credit repair company we can help people remove past credit mistakes but if they are adding new negative items their scores will not go up. 

  
  

  I have included this clients 90 day follow up results as well as a copy of the contract this client signed agreeing to the terms. 

  
  

  
  90 Day FU- Current Credit Scores: TU: *** EX: *** EQ: *** Day 1 Credit Scores: TU: *** EX: *** EQ: *** Accounts Removed: FST PREMIER #************ FST PREMIER #************ FST PREMIER #************ RECOVERY ONE #****** CREDIT COLL #**** CREDIT COLL #**** CAPITAL ACCOUNTS #***** THE STARK COLLECTION#***** MIDLAND CREDIT MGMT #***** TENANT TRACK #**** (from Equifax) Total Debt Removed: $6,025.00 Total Hard Inquiries Removed: 3 **NOTES** 55 points collective increase 10 accounts removed Positive impact DENEFITS LLC - reporting onto Experian and Equifax Negative impact 1 new hard inquiriy Negative impact GREENDOTBANK- new account reporting, Opened: 12/29/2022 Balance Owed: $1,967 Negative impact AMERICOLLECT- new collection account reporting, Opened: 11/29/2021 Balance Owed: $757 Negative impact AMERICOLLECT- new collection account reporting, Opened: 11/29/2021 Balance Owed: $191 Negative impact I C SYSTEM - new collection account reporting, Opened: 11/01/2022 Balance Owed: $1,780 Negative impact WAKEFIELD - new collection account reporting, Opened: 03/20/2022 Balance Owed: $2,018