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RMCN???

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Spercy5555
Guest
Subject: RMCN???
 
 Posted on Tue May 22, 2007 12:42 pm  
Has anyone ever heard of this company or used them to restore their credit?
 
Morningstar

Morningstar

Joined: 17 Apr 2007
Morningstar's page
Posts: 608



15 Magic Points
 
 Posted on Tue May 22, 2007 9:18 pm  
I have not. I would encourage you to check with your state's consumer protection agency, but here's what the BBB has to say:

Quote:
Original Business Start Date: August 2003
Principal: Mr. Doug Parker, Owner / Manager
Customer Contact: Mr. Doug Parker, Owner / Manager
TOB Classification: Credit Repair Services
BBB Membership: This company is not a member.


Additional DBA Names

RMCN Credit Services, Inc.


Customer Experience

Based on BBB files, this company has a satisfactory record
BBB Definition:

satisfactory record - A business identified in our report as satisfactory has, based on Bureau files, been in business for at least one year, and has voluntarily provided the Bureau with all information requested about the business and its product or service. If any complaints have been received about the business, their number has not been considered by the BBB to be extreme, given the nature of the company's business and the volume of business transacted. Complaints are also generally typical of what might be expected for this type of business. A business stated to be satisfactory has not been the subject of any recent law enforcement actions concerning its dealings with the public. If the business has been contacted by the BBB about its advertising or selling claims, it has modified or substantiated its practices to the Bureau's satisfaction. In addition, the BBB has a clear understanding of the company's business, and the business is not in an industry which has raised significant marketplace concerns.


with the Bureau. A satisfactory record
BBB Definition:

satisfactory record - A business identified in our report as satisfactory has, based on Bureau files, been in business for at least one year, and has voluntarily provided the Bureau with all information requested about the business and its product or service. If any complaints have been received about the business, their number has not been considered by the BBB to be extreme, given the nature of the company's business and the volume of business transacted. Complaints are also generally typical of what might be expected for this type of business. A business stated to be satisfactory has not been the subject of any recent law enforcement actions concerning its dealings with the public. If the business has been contacted by the BBB about its advertising or selling claims, it has modified or substantiated its practices to the Bureau's satisfaction. In addition, the BBB has a clear understanding of the company's business, and the business is not in an industry which has raised significant marketplace concerns.


means a company has been in business for at least 12 months, and properly addressed matters referred by the Bureau. The company does not have an unusual volume of complaints, or any government actions involving its marketplace conduct. The Bureau understands and has no concerns about the company's products, services and type of business.

When considering complaint information, please take into account the company's size and volume of transactions, and understand that the nature of complaints and a firm's responses to them are often more important than the number of complaints.

The Bureau processed a total of 8 complaints about this company in the last 36 months, our standard reporting period. Of the total of 8 complaints closed in 36 months, 2 were closed in the last year.

Contract Issues
BBB Definition:

Contract Issues - Claim of alleged failure to honor contract or agreement, work performed without authorization, or invalid contract.



Resolved
BBB Definition:

Resolved - The company resolved the complaint issues.



3 - Company addressed the complaint issues. The consumer failed to acknowledge acceptance to the BBB.

Billing or Collection Issues
BBB Definition:

Billing or Collection Issues - Claim alleging billing errors, unauthorized charges, or questionable collection practices.



Resolved
BBB Definition:

Resolved - The company resolved the complaint issues.



1 - Company resolved
BBB Definition:

resolved - The company resolved the complaint issues.


the complaint issues. The consumer acknowledged acceptance to the BBB.
2 - Company addressed the complaint issues. The consumer failed to acknowledge acceptance to the BBB.
Administratively Closed
BBB Definition:

Administratively Closed - The BBB determined that the complaint could not be satisfactorily settled using standard methods of voluntary dispute resolution



1 - BBB determined the company made a reasonable offer to resolve the issues, but the consumer did not accept the offer.

Refund or Exchange Issues
BBB Definition:

Refund or Exchange Issues - Claim of alleged failure to honor company policy or verbal commitment to provide refunds, exchanges, or credit for products or services.



Resolved
BBB Definition:

Resolved - The company resolved the complaint issues.



1 - Company addressed the complaint issues. The consumer failed to acknowledge acceptance to the BBB.



Licensing

This company is in an industry that may require licensing, bonding or registration in order to lawfully do business. The Bureau encourages you to check with the appropriate agency to be certain any requirements are currently being met.

_________________
I don't dream since I quit sleeping
 
FrankieTheEraser



Joined: 19 May 2008
FrankieTheEraser's page
Posts: 1



33 Magic Points
Subject: bbb
 
 Posted on Mon May 19, 2008 2:03 am  
I wonder why this firm claims to have a good report with bbb when they dont
 
sdchargers_63

sdchargers_63

Joined: 13 Aug 2007
sdchargers_63's page
Posts: 714



75 Magic Points
Subject: credit
 
 Posted on Thu May 22, 2008 2:51 am  
I don't know. Doesn't that make you mad?! I looked for debt consolidation companies..I thought I FINALLY found one. When I contacted them, they, ALSO told me they had a "great repore with the BBB." To find out, they had several compliants on " unresolved issues."
 
scott

scott

Joined: 28 Jun 2006
scott's page
Posts: 163



4471 Magic Points
 
 Posted on Thu May 22, 2008 9:58 am  
As per the extract given by morningstar, RMCN are not in the good books of BBB. So I think one should investigate about this company in more details before opting for debt consolidation with it.
_________________
SCOTT

Social security, bank account, and credit card numbers aren't just data. In the wrong hands they can wipe out someone's life savings, wreck their credit and cause financial ruin.
 
CMBV22

CMBV22

Joined: 08 May 2008
CMBV22's page
Posts: 373



3898 Magic Points
 
 Posted on Thu May 22, 2008 9:11 pm  
Personally, I dont understand why ppl even use consolidation companys. If you have the credit to get a consolidation loan then why not get the loan and DV each listing and settle them down as low as you can and make the CAs agree to PFDs? This will do so much more for your credit and you dont have to pay anyone else to do it. Then if you cant get a loan just take it one listing at a time. DV until you get a good settlement with a pfd then move on to the next.

All you really need in order to do this is a computer w/ the internet in order to research the FCRA and your states laws, A printer to print letters and the ability to get to your local post office and send them out certified mail.
_________________
****************************
Free sample letters,
info on paying off payday loans,
and quick credit repair tips.
Pesonalized credit repair advice in the forum:

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http://homecreditrepair.hqforums.net/
 
scott

scott

Joined: 28 Jun 2006
scott's page
Posts: 163



4471 Magic Points
 
 Posted on Fri May 23, 2008 10:44 am  
Hi CMBV

I think you are correct. We can in fact send DV letters and on getting reply from the CA, we can ask the CA for waiving a part of the debt and pay the debt under agreement for PFD. With this, we can not only get rid of the debt but also the negative element in our credit report gets eliminated.
_________________
SCOTT

Social security, bank account, and credit card numbers aren't just data. In the wrong hands they can wipe out someone's life savings, wreck their credit and cause financial ruin.
 
CMBV22

CMBV22

Joined: 08 May 2008
CMBV22's page
Posts: 373



3898 Magic Points
 
 Posted on Sat May 24, 2008 5:15 am  
Yeah, and without paying a penny to the middle man
_________________
****************************
Free sample letters,
info on paying off payday loans,
and quick credit repair tips.
Pesonalized credit repair advice in the forum:

www.homecreditrepair.net

http://homecreditrepair.hqforums.net/
 
Amy Covington
Guest
Subject: RMCN Experience
 
 Posted on Tue Jul 15, 2008 6:28 pm  
I signed up with RMCN in March 08 and it's now July 08 and I have not had one item removed from my credit report, in fact my credit is now worse. I only signed up with them because they fixed my fiance's credit and he was referred by a friend who had a bankcruptcy removed. It seems like all they do is send out a tiny form letter over and over again and focus on correcting address and credit inquiry issues, which I don't care about. I have two things on my credit and are not correct and I went to them because I wasn't having luck using the laws to motivate these people to correct my report. I want my money back. And about BBB reports, cases are marked as resolved any time the company responds, even if you say you still aren't happy, so I really don't give any credence to "positive" BBB reports.
 
erb1953



Joined: 31 Dec 2007
erb1953's page
Posts: 549



1003 Magic Points
 
 Posted on Wed Jul 16, 2008 1:53 am  
can you get your state attorney general office involved, they have been pretty effective for me.
 
anthony

anthony

Joined: 31 Jul 2006
anthony's page
Posts: 381



9616 Magic Points
 
 Posted on Wed Jul 16, 2008 7:38 am  
Hi Amy Covington
Since RMCN has not been of no use to repair your credit, you can certainly claim the money back from them. If they don't refund you the money, you can complain against them to the FTC.
Now since the listing is incorrect as you say, have you send a debt validation letter to the CA whose name appear in your credit report?
_________________
Anthony..

A positive attitude is not achieved by turning a blind eye to the negative, but rather by responding to every situation in the most positive way possible.
 
Justin

Justin

Joined: 17 Jul 2006
Justin's page
Posts: 232



6571 Magic Points
 
 Posted on Wed Jul 16, 2008 7:58 am  
You need to send a dispute letter to the Credit bureaus if you think that the listing is incorrect. The credit bureaus will verify it with the CAs and remove it from your credit report. If you have already send debt validation letter by certified mail and have not yet received response from the CAs yet, send copies of the receipt along with the dispute letter to the credit bureaus. If still the credit bureaus do not remove the listing, make a complaint with the FTC and AGs office.
_________________
Best Wishes
Justin
 
scott

scott

Joined: 28 Jun 2006
scott's page
Posts: 163



4471 Magic Points
 
 Posted on Wed Jul 16, 2008 9:08 am  
Hi Amy
You are right. The credit repair companies basically remove the hard inquiries from your credit report to raise your credit score. You can remove the hard inquiries by yourself too without going to such credit repair companies and save dollars which you have paid to these repair companies. For this all you need to do is to send letters to the inquirers whose name appears in your credit report asking them to remove the inquiry from your report. Under the FCRA, only authorized inquiry should show in your credit report and so ask them for documents which will verify that the inquiry was authorized. You can threaten to complain against them to the state Banking Commission if they do not verify your authorization. In most cases they remove the inquiry as a mark of courtesy. Moreover, if they cannot verify your authorization, they will remove it from your report.
_________________
SCOTT

Social security, bank account, and credit card numbers aren't just data. In the wrong hands they can wipe out someone's life savings, wreck their credit and cause financial ruin.
 
goodnatured



Joined: 03 Nov 2007
goodnatured's page
Posts: 2476



2725 Magic Points
 
 Posted on Wed Jul 16, 2008 2:14 pm  
How long does this usually take to do, can you do a sample letter that we could plug in the company information into and send out please. I am sure that if you have done this, may be you could put an example on here please. I would like to do this and get things removed from my report. If you would put a sample letter on here for us to use, it would be greatly appreciated. thanks in advance.
_________________
Goodnatured,

Trying to become and stay debt free, thank you for all your help and support!
 
fireyone



Joined: 26 Feb 2008
fireyone's page
Posts: 1857



8785 Magic Points
 
 Posted on Thu Jul 17, 2008 4:32 pm  
That would be great. I can not write letters like this myself and have relied on other letters from this site to help.
 
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