Excellent Credit Score

Review: I started this process 1/15/14. My contact was [redacted]. I had cleaned my credit before and was willing to pay this fee because I didn't want the stress of it. When I spoke to [redacted], presumably the owner, before I paid, he spoke of grandeur. After seeing my credit report said he'd most likely get it all off but at worse would only be a few left. (mind you my credit was very bad from a divorce about 6 years ago)It is now over a year and my credit is still atrocious. A few items came off from the letters he had me send to the bureaus, but nothing of significance. My score has gone up very little and still sits in the 'poor' credit band. Coincidentally most items begin to fall off due to time in a year or so. When I asked [redacted] for my money back he said I didn't do anything. What a joke. Every letter that I was told to sign and mail I did same day if I was in town. If I was out of town I did it the day I got back. They have you communicate thru [redacted]. Every letter I sent I replied on this system, as they want you to keep track of the mailing date of the letter, which had a full record of all communications back and forth. As luck should have it I cannot access this anymore to prove it. But I do have 200+ emails from employees telling me log in to get my new letters to send, which is proof enough because new letters only come after you get responses from old letters.When I spoke to [redacted] initially I knew he was blowing smoke regarding his results initially. But that didn't bother me as I was thinking he'd get a lot off my credit. Had he delivered somewhere near what he said, I would be happy, but the results are not that.Desired Settlement: A full refund of my money.

Consumer

Response:

I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this proposed action would not resolve my complaint. For your reference, details of the offer I reviewed appear below.First off, Mr. [redacted] states I contacted him 2-3 months after paying for his credit clean up services. That is not true. After looking thru my email records I see I started mid to late February, 2014. I only contacted him a few months ago after realizing the service is not what he stated before I paid.

Review: DO NOT waste your money and time with this company. They are CROOKS. I don't care how long they state they have been in business and have successfully been able to do what they promise to do, but they cant!I signed up with them back in March, 2013 to specifically have my Bankruptcy deleted. All 3 Credit Bureaus responded back after a bunch of form letters with idle threats that they will not be deleting the item, since it is valid. The letters threaten to file a lawsuit, yet the company refuses to even let you know if they have ever done so, who paid for all the costs, and if they were successful in doing so. They promise a full money back guarantee. When I finally had enough and requested a refund, the company placed the blame with their employee, [redacted], who placed the onus back on the company. How does a company who advertises a full money back guarantee refuse to refund you? The best part is that I was advised over and over by Mr. [redacted] that it could take upwards of 2 years to get it resolved. He states that they have NEVER been unsuccessful in getting it deleted, I guess I am the lucky 1st ?? It only gets better. The company responded back to me that [redacted] have been FIRED from his job, yet [redacted] never mentioned anything to me and the company never notified me that he was no longer associated with them and that I shouldn't correspond with him any further. Basically, the company says he went rogue, yet they assume no responsibility for their former employee, even though their company is who charged my CC. Unfortunately, I was unable to get my CC company to reverse that charge since it was past 120 days, yet this company keeps stating that it could take upwards of 2 years to have it completed. I am filing a lawsuit in small claims court. I am filing complaints with the FTC and my District Attorney. I am also reporting them to Yelp,Ripoffreport.com, and taking to Twitter and FB. I am also contacting the LA Times consumer reporter as well as LA's CBS2 consumer reporters.Desired Settlement: I would like my entire $700.00 refunded in full. I initially offered to make a small payment to them, but since I was treated like I was, I expect a full refund.

Business

Response:

To: Revdex.com

From: Excellent Credit Scores LLC

RE: [redacted]

I have corresponded with the client in this matter and shared his warranty and agreement.

He purchased an educational program and the dispute process is added for free. The

client has received full value ans is unhappy because a bankruptcy was not removed in

the time he demanded. He still has time available to continue the dispute process, but he

wants results on his timeline n ot what our program offers. The results will happen, but he

must participate to completion. we have added an additional year for free to all clients.

Attached is a copy of our warranty and agreement that every client receives. If you have

additional questions please contact me.

Sincerely

[redacted] A. [redacted]

Consumer

Response:

I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this proposed action would not resolve my complaint. For your reference, details of the offer I reviewed appear below.

Regards,

Dear Revdex.com,

Mr. [redacted] put in writing as well as told me verbally prior to me signing up for the service that I had a full money back guarantee if all items were not removed from all 3 bureaus.

Mr. [redacted] keeps reiterating that it could take upwards of 2 years for all items, including my BK, to be removed from my reports.

All 3 bureaus sent me a final letter advising me that they consider this item as a valid item to be reported til it falls off 10 yrs after the discharge of my case.

This is the federal law.

At this time, the bureaus will no longer consider looking into my request as I have no new evidence to offer.

How Mr. [redacted] continues to state that it could take upwards of 2 years for it to be removed is laughable.

I never put a timeline on the service as he is stating, I am just certain that no matter the amount of time, the items will not be removed, even if I wait patiently for the entire 2 years he is asking me to wait.

Had either of the 3 bureaus made any mention that it would take more time, or are still investigating, I would not have asked for a refund, not taken this action.

I only did so after I received the letter from the 3rd bureau .

I can gladly forwards to you the following:

_ The e-mail chain advising me of what service they offer, what they guarantee, and that they offer the guarantee in the form of a full money back refund.

_ The final letters from all 3 bureaus.

_ My email asking him what sort of action we are taking as we continue to make idle threats about taking legal action towards each bureau for refusing to remove the items.

This email also includes Mr. [redacted]'s canned response to me which in no way answers my question.

_ Him stating that the service I paid for is not what I am actually entitled to is complete hogwash.

I paid to have the items removed, not for some other service.

_ No matter what, my email trail is proof of false advertisement in and in itself .

On top of all this, there is still an outstanding item which they have stopped taking action on.

I started with 4 items.

Just this fact shows that they are in breach of the contract we have.

When do they plan on continuing to have that item removed??

No action has been taken since Sep, 2003.

Please compare what he is stating with the facts that I have and can readily provide as proof.

Please help me recoup my money and stop them from taking advantage of others.

Regards,

###-###-####

Review: Paid $[redacted] to Company owner [redacted] of Excellent Credit Score, LLC. to restore credit including the removal of all derogatory items reported by credit bureaus, [redacted] and [redacted], for my wife and I's credit reports. This was not done and I can provide copies of Credit Reports, Emails and Communication LogsDesired Settlement: Refund of payment and $[redacted] expenses incurred.

Review: My husband and I met with Owner, [redacted] at a Carl's Jr. in [redacted]a and we agreed to utilizing him for our Credit Repair Services. I made an initial payment of $250 with him to begin the repair and two additional monthly payments. My husband paid an additional $175 to join. We were contacted by a third party company, [redacted], that if we were doing business with [redacted] to stop immediately and that [redacted] was using their services as his own. I contacted [redacted] on several occasions ask for a refund as he stated that I stop my services at any time to receive a full refund. Upon notifying [redacted] and requesting a refund because of the misrepresentation h of his company, Excellent Credit Scores. [redacted] refused to refund us our money and we have not heard from him since after many attempts.Desired Settlement: I would like all of the money both my husband and I paid to enroll in his program immediately before we resort to additional legal proceedings to collect our money.

Business

Response:

This client is off with her dates. I have not done business with [redacted] since March 2012. At that time I started my own processing due to errors on behalf of [redacted]. I offered these clients a restart with our new processing center. They never responded. They also demanded that I pick up paperwork from their home, rather than delivering it to my office 2 blocks from them at the time. Overall, they wanted results at their request and their time lines, not the realistic time frames allowed by law.

Our refund policy allows the client to participate for 12 months. If the results warrant a refund we will give one based on what deleted items were removed and what remains. The client must do their part; meaning send the responses to us in a timely manner. Then mail the provided dispute letters off. The process is simple and works very well. Attempting to slander my company for lack of participation and POOR record keeping is not my problem. I am happy to show proof of my processing center opening as mentioned. I will be turning this complaint over to my legal counsel; [redacted], LLP.