I heard a commercial on satelite radio, about a company that will gaurantee your credit score will rise to 720 by christmas, this was in october, so i called the number, and they said it will be $99.00 but your score will rise by christmas to 720 or better.
So i paid the fee, and was sent a welcome letter with 5 different names on it, i knew i have been had. I have made several calls to them, and they fail to live up to there commercial.
They say call back between the hrs of m-thursday 9:30-2:30pm, so i did, just to be told we are still working on it, well its january 3rd 2019, way after christmas, they dont follow up, they are rude on the phone, they use 5 different names giving days foundation-credit repair people-mycreditscorewatcher.com-rayreynoldssurvivedcom- and openskycc.com.
Stay away from these companies, this was a money grab by rey reynolds before christmas plian and simple.
I paid this company $1000, $200 for credit repair and $800 for a $25,000 line of credit. I was told the line of credit would be available no later than 180 days the date kept getting pushed back. There was no repair of my credit one item was removed then put back on my credt. After waiting a year for the line of credit I got a call, the only call I ever got from them, to tell me that since there was an inquiry on my credit I can't get the line of credit unless I pay an additional $1200 or my case will be closed. Not to mention I was told to get another credit card to get the line of credit. When I asked to speak to a supervisor I was told no and they are going to close my case if I'm not willing to pay the extra money smh. This company scammed me. They pulled the old bait and switch on me.
I purchase a "one million" dollar tradeline for $1500 on November 7, 2016 and to date have not received my tradeline. Their contract is vague and does not give specific direction on what is needed to increase your likelihood to be "approved" and have the tradeline added to my credit. To be more specific, when I signed up they give you a simple application and short indesciptive contract. The contract says you have 180 business days which equates to 9 months to get the tradeline added. Furthermore, they never tell you how often they will "check and verify" your eligibility until you call and ask for a status check, then all of a sudden they do an
evaluation to tell you you need to more things, like a chase game, to get approved.. I didn't sign up for an approval process, they guaranteed the tradeline would hit and to just give them time The evaluation consist of them checking experian and transunion through credit karma which one, does not guarantee up to date info and in general does not check all three bureaus.
In the past when I added tradeline for business story told me how much, How long, and was very specific to the type of tradeline I would be getting. Monica, the rep for this department, is a liar. She told me all I had to do is keep my credit card utilization down and not apply for
any new credit and that's all they needed from me to ensure this tradeline hit, 6 months in to my wait I requested an update and supposedly they were doing rapid rescore along with adding this tradeline. I was then told I had to wait 180 business days not calendar days for it to hit. If I never called they would have never told me that because it's not in the contract. The second status update i got was yesterday where she told me she would "get back to me about my credit analyzation and I never heard back from her. Instead someone emailed and again they had more stipulations to add this tradeline,this time add a secured card for
amount of $80. That does not even make sense, the report from them says I don't have enough credit and not sure how $80 would improve that. I then was livid after seeing this and requested in writing a refund and they ignored my request several times, this and the last time. They have ignored emails and even a rep hung up on me several times. They always claim it has to be sent to a manager and they will contact me, each time that never happens. I told them if I don't get a refund I am reporting them to the bbb and here. They then told me they would put my account in collections for not complying, when I asked why they do not use credit
reporting specific agency sites for updated reports, they said they don't have to. Basically they used credit karma because the info is out of date and they can play against that with an unsuspecting, unknowledgeable client. I know better... Also their credit repair services is horrible, they stop working on your reports after a few months and send you fake reports saying they been working on your behalf,when I asked why haven't I received any updated reports in the mail. They say it comes directly back to them directly and don't worry. That rep name is diamond for this division.
My Credit Score Watcher Reviews
I heard a commercial on satelite radio, about a company that will gaurantee your credit score will rise to 720 by christmas, this was in october, so i called the number, and they said it will be $99.00 but your score will rise by christmas to 720 or better.
So i paid the fee, and was sent a welcome letter with 5 different names on it, i knew i have been had. I have made several calls to them, and they fail to live up to there commercial.
They say call back between the hrs of m-thursday 9:30-2:30pm, so i did, just to be told we are still working on it, well its january 3rd 2019, way after christmas, they dont follow up, they are rude on the phone, they use 5 different names giving days foundation-credit repair people-mycreditscorewatcher.com-rayreynoldssurvivedcom- and openskycc.com.
Stay away from these companies, this was a money grab by rey reynolds before christmas plian and simple.
I paid this company $1000, $200 for credit repair and $800 for a $25,000 line of credit. I was told the line of credit would be available no later than 180 days the date kept getting pushed back. There was no repair of my credit one item was removed then put back on my credt. After waiting a year for the line of credit I got a call, the only call I ever got from them, to tell me that since there was an inquiry on my credit I can't get the line of credit unless I pay an additional $1200 or my case will be closed. Not to mention I was told to get another credit card to get the line of credit. When I asked to speak to a supervisor I was told no and they are going to close my case if I'm not willing to pay the extra money smh. This company scammed me. They pulled the old bait and switch on me.
I purchase a "one million" dollar tradeline for $1500 on November 7, 2016 and to date have not received my tradeline. Their contract is vague and does not give specific direction on what is needed to increase your likelihood to be "approved" and have the tradeline added to my credit. To be more specific, when I signed up they give you a simple application and short indesciptive contract. The contract says you have 180 business days which equates to 9 months to get the tradeline added. Furthermore, they never tell you how often they will "check and verify" your eligibility until you call and ask for a status check, then all of a sudden they do an
evaluation to tell you you need to more things, like a chase game, to get approved.. I didn't sign up for an approval process, they guaranteed the tradeline would hit and to just give them time The evaluation consist of them checking experian and transunion through credit karma which one, does not guarantee up to date info and in general does not check all three bureaus.
In the past when I added tradeline for business story told me how much, How long, and was very specific to the type of tradeline I would be getting. Monica, the rep for this department, is a liar. She told me all I had to do is keep my credit card utilization down and not apply for
any new credit and that's all they needed from me to ensure this tradeline hit, 6 months in to my wait I requested an update and supposedly they were doing rapid rescore along with adding this tradeline. I was then told I had to wait 180 business days not calendar days for it to hit. If I never called they would have never told me that because it's not in the contract. The second status update i got was yesterday where she told me she would "get back to me about my credit analyzation and I never heard back from her. Instead someone emailed and again they had more stipulations to add this tradeline,this time add a secured card for
amount of $80. That does not even make sense, the report from them says I don't have enough credit and not sure how $80 would improve that. I then was livid after seeing this and requested in writing a refund and they ignored my request several times, this and the last time. They have ignored emails and even a rep hung up on me several times. They always claim it has to be sent to a manager and they will contact me, each time that never happens. I told them if I don't get a refund I am reporting them to the bbb and here. They then told me they would put my account in collections for not complying, when I asked why they do not use credit
reporting specific agency sites for updated reports, they said they don't have to. Basically they used credit karma because the info is out of date and they can play against that with an unsuspecting, unknowledgeable client. I know better... Also their credit repair services is horrible, they stop working on your reports after a few months and send you fake reports saying they been working on your behalf,when I asked why haven't I received any updated reports in the mail. They say it comes directly back to them directly and don't worry. That rep name is diamond for this division.