I just inquired about this company and after reading all the feed back I decided to not use their service. I did give them permission to pull a credit report and they will pull for 29.00. No other monies. have been paid. My decision is based on the retainer they requrie before they begin working on my file. Money that is in the negative that is owe does not go over 800.00 between two collections. I had called this credit companies and arranged a payment plan with PAY TO DELETE and a verbal agreement has been reached. My question is that if they do not remove them, I can by letting a third party such as your self that such action was taken and that both parties agreed. I got lazy and then when I started seeing how much it would cost, I thought it best to honor my word with c/a since they agree to remove when paid. Thanks
I look at this way, I have a problem and I wanted it taken care of. If I see the company that I am going to use and they have any kind of feed back that is bad then my decision is not to use them.
I got enough problem of my own. As I have reveiw the feed back I see more no the yes. I have just retired and have been in two wars. I come back and see this bull in my file over pennies. I will pay them the monies since they have confirms the debt but I expect them to delete and they agreed to delete one the debt is paid. If they don't then I guess the next process would be court.
Can you tell as to when you got enrolled into their service? Before getting enrolled into a credit repair service it is always better to check on the authenticity of the agency, whether it is accredited with the Better Business Bureau, whether there any bad reports against the agency, whether the agency has been in this business for over 10 years. Other than this you also need to check whether or not the agency has certified credit counselors, and if the agency is a non-profit one.
However, now you need to get a "Pay for delete" (PFD) agreement in writing. With PFD your account will get reported as either "Paid in full" or "Paid as settled". All the negatives too will get removed form your account.
Aaron _________________ Keep in touch
Sun Dec 05, 2010 5:54 am
I used this company in 2008 with a starting credit score of 540. It was very expensive, but it is now almost 700. Transunion is 780. I still am amazed with the results. It has changed my life. I am now in a brand new camper traveling the country as a traveling nurse. With a score of 540, this would never have happened!
Your personal details (name, email address and phone number) will be delivered to the company advertised on the Creditmagic after ve agreed to go for the counseling session by filling out the no-obligation form. However, it is your discretion to accept or reject their services.
Not all the creditors/debt collectors agree to trim down the outstanding balances, interests, and fees payable by the consumer.
Consumers working with the debt relief companies can still be sued by the creditors/collection agencies.
Debt relief services may have a diminishing effect on the creditworthiness of the consumer. The total outstanding balance may increase as the additional fees get accrued.
The overall amount saved by the consumer through the debt relief services is considered as taxable income by the IRS.