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Javan · Joined: 01 Oct 2008 Posts: 5 3.32 Dollars($)

More people with approved credit = Better chances of getting them in a Home.

gmakerley · Posted: Wed Oct 01, 2008 10:57 am Post subject:

javan, assuming for the sake of argument that you are legitimate; why is it that there is no website for anyone to investigate the service you offer, to see testimonials, etc. from those who've been helped?

just how much money do you propose to charge these poor souls for this? i'm almost afraid to hear.

Javan · Joined: 01 Oct 2008 Posts: 5 3.32 Dollars($)

We are a legit credit repair company. And our website is underconstruction. (If you want, i will keep you posted when it's up, it should be this weekend)

Now when you talk about price, we judge the retainer by how much derogatory information is on there credit, and how much work we have to put into fixing the credit.

We are registered with the BBB and we are NOT on ripoffreport.com

gmakerley · Posted: Wed Oct 01, 2008 12:36 pm Post subject:

i would sure hope youre not on any ripoff sites...you've only been in business less than a month!

pardon my skepticism, but i am not a believer in credit repair firms. consumers can do it themselves for a whole lot less (such as "free") and not have to worry about working with someone who's going to be on ripoffreport.com.

maybe you have some particular insight into the credit repair game that makes you stand out in the crowd; maybe your background is such that a consumer would be wise to hire you; i don't know all that. but i also know that a company that has only established itself in the fall of 2008 won't be able to document a track record a month later.

Posted: Wed Oct 01, 2008 1:39 pm Post subject:

We have only been in business for 3 months, but my General Manager has over 5 years experience in this field. And for someone who is in the mortgage industry as a LO, you should take another look at the doors that credit repair can open for you.

Javan · Joined: 01 Oct 2008 Posts: 5 3.32 Dollars($)

Sorry I wasn't logged in and couldn't edit the post. But to continue what I was saying.

Let me leave you with this. What if half of those deals that you discard because of credit issues, could be turned into loan approvals in no more than 6 months? How much extra money COULD you have made?

Posted: Wed Oct 01, 2008 1:58 pm Post subject:

let me address the "discarded" deals - not one of my clients has been discarded - i work individually with each one of them, assigning them appropriate tasks to get things fixed and assuring them that they can count on me for support and/or assistance (which they get). if i havent heard from someone in several months, i will call to check up and make certain things are in place for success.

mind you, this is a free service.

gmakerley · Posted: Wed Oct 01, 2008 2:40 pm Post subject:

yeah we all do it - forget we had logged out.

let me address the "discarded" deals - not one of my clients has been discarded - i work individually with each one of them, assigning them appropriate tasks to get things fixed and assuring them that they can count on me for support and/or assistance (which they get). if i havent heard from someone in several months, i will call to check up and make certain things are in place for success.

mind you, this is a free service. [i]

elnoralittle · Posted: Wed Oct 01, 2008 4:49 pm Post subject:

couldn't this service take up to 3-4 years for this type of credit repair and cost the client immensely?

Do you have the ability to pull credit reports?

Excuse my skeptism, however, I have been approached several times recently, and many of these credit repairs are costing the client more money than they have currently available, and taking along time.
And the repair specialist doesn't have the ability to pull a credit report.

I understand in this type of market it's a great thing to get into, but as a mortgage professional and experienced lender, we should be able to guide clients and help plan their financial futures getting them on the right track to purchasing a home.

Also under the fair credit reporting act, there is a fine line of what you can promise a client when doing the repair, especially if you are charging a fee.

gmakerley · Posted: Thu Oct 02, 2008 8:23 am Post subject:

i love your response, elnora. i couldn't agree more with your assessment of the ills of the credit repair industry.

elnoralittle · Posted: Thu Oct 02, 2008 8:40 am Post subject:

I get frustrated with the approach lately. I have a title company doing credit repair and title work, but they don't have the ability to pull credit.

If they haven't had experience in finance, or qualifying applicants, how would they claim to be the most knowledgeable in credit repair.

It is just a 'new business' opportunity that seems to be knocking right now. I prefer to help our clients one on one with out charging them to get them on the right track. Any lender should be willing to go the extra mile for a potential client. We are strictly commission only here, so word of mouth advertising works for us and is more appreciated.

People right now need a helping hand, and someone they can trust, with the proper experience.

Javan · Joined: 01 Oct 2008 Posts: 5 3.32 Dollars($)

Our service is actually designed to run for 180 days. If it needs to be extended (which it rarely does) then we continue to dispute the negative information, with no extra charge.

We do have the ability to pull a tri-merge credit report.

Their are NO GUARANTEE'S in credit repair, and if a credit repair company does guarantee then a red flag should go off in your mind. Because every collection company, creditor, and court house has a legal right to validate the debt. We also utilize a credit repair process that only a select few people in the industry use, which makes it had for these companies to validate the debt.

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And Mr. Akerley, I have some results from one of our customer if you would like to see them sometime.

gmakerley · Posted: Fri Oct 03, 2008 2:00 pm Post subject:

no thank you, javan. your last sentence in the next to last paragraph strikes me as typical of what we dislike the most about the credit repair industry. specifically, you said that your process "makes it hard for these companies to validate the debt."

what occurs to me is that your clients aren't getting any true elimination of debt, but that what is there is simply vacated, so to speak, because of the creditor's inability to work its way around your system.

since i am a believer in paying one's bills, it's more than a bit difficult to deal with that sort of thing.

honestly, i don't feel a desire to see anything from one of your satisfied customers - i'm afraid i would tell that person the same thing could have accomplished for free.

Guest

I'm actually looking for a new credit repair company, I'll give you a call around 3pm central time.

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