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Credit Master

1042 Cobblestone Blvd, Summerville, South Carolina, United States, 29486-2082

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I was referred to *** of Credit Master by my mortgage broker on November 2, 2019 for credit repair. Being that I trusted my mortgage broker, I decided to do business with ***. *** called me on November 2, 2019 and during the conversation I was told that for the fee of $500, Credit Master would repair my credit by deleting inquires, collections, and charge-offs within 90 days. That same day I paid $250 to a Zelle account to start the services. I also emailed ***@gmail.com a copy of my drivers license. I was to pay the remaining $250 within 45 days. I was emailed a contract that supposedly outlined all services and expectations. On December 13th, I paid the remaining $250 via Zelle. After waiting 60 days, I contacted *** via text message on January 7th, 2020 requesting an update. I was basically told to be patient. I waited another 30 days and contacted *** again via text message on February 10, 2020 requesting a refund. My credit was not repaired or has been touched as promised. I requested a refund of my money since services were not rendered. Once being told that a refund would not be given, I requested proof that services were rendered. I have not received a refund or proof.

I was told there would be no refund and that I wasn't promised a 90 day turnaround. This person advertises on social media that results are given within 90 days. I did not pick this time frame out of thin air. I was ignored when requesting proof.
Product_Or_Service: Credit Repair

Desired Outcome

Refund I would like a refund of the $500 I paid.

Credit Master Response • Feb 11, 2020

Credit Master LLc let the clients know that the disputes leave the office in 3 working days excluding weekends and holidays days. Her paperwork left my office on Wednesday November 5, 2019. We have to allow time for mail to be delivered. Letters were sent to Experian which is in Allen Tx, Equifax which is in Atlanta Ga and Transunion which is in *** Once they are received they have 5 business days to put the disputes in the system. Then the 30 days to respond to the disputes. Nowhere in my contract does it say that the disputes will be completed in 90 days. I advised Ms. that in my experience the types of disputes that she needed, it's a possibility that they could be completed. Ms. credit report was forwarded to me by her loan officer. All clients of Credit Master supply a login so that we can monitor updates. Ms. didn't provide Credit Master with a login in so we could monitor her changes. Also in our contract it clearly states NO REFUND. When Ms. contacted me on February 10, 2020 she asked for proof that her disputes were sent. There's no way to provide that because Ms. didn't pay the $20.00 cost to have disputes sent certified mail. That is also in our contract. Credit master doesn't provide clients with copies of our dispute letters because that could cause our method of disputed to be copied.
Credit Master LLC resolution for this is to continue to provide the service that Ms. paid for in the amount of $500.00. She stated that she didn't want anyone to contact her. So in fear of a harassment situation Credit Master LLC decided to stop all contact. All this was said VIA text.

Thanks
Credit Master LLC

Customer Response • Feb 11, 2020

(The consumer indicated he/she DID NOT accept the response from the business.)
I do not accept the response for a few reasons. The "business" made some false statements. The first discrepancy is that my disputes were sent on 11/5/19. This can't be possible if I was asked for a copy of my drivers license on 11/7/19 to send with the disputes. I didn't even receive a copy of this " contract" until 11/11/19 after requesting it twice. I'd like to see a copy of this contract with my signature on it. I'm confident it can't be produced. The second discrepancy is in regards to providing Credit Master with a login. A login to what? I'd like to see an email, text message, or verbiage in the contract that refers to a login. That also can not be produced. Thirdly, the contract that was emailed to me does NOT address refunds. Lastly, the contract I received does not mention a $20 fee for certified mail. It ONLY states that there's a $20 fee for pulling of credit reports. All legitimate businesses keep records of their practices. Credit Master should be able to provide proof that they completed the service they received money for. A picture of the envelopes at the very least should have been provided. Regardless, whenever an item is disputed on a credit report, the credit bureaus update the report by marking the item "disputed". Nothing has changed on my reports since dealing with this supposed business. I appreciate the local Revdex.com officer for providing me with the many tools needed to move forward with this situation. I will let the laws I'm protected by and those who uphold them handle this matter.

Credit Master Response • Feb 12, 2020

To correct last statement. Ms. has made the comment of suing Credit Master LLC, so there's no further statement. We will address all discrepancies at that time.

Thanks
Credit Master LLC

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Address: 1042 Cobblestone Blvd, Summerville, South Carolina, United States, 29486-2082

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