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Inversion Credit, LLC

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Reviews Inversion Credit, LLC

Inversion Credit, LLC Reviews (36)

Dear Ms [redacted] , First, we would like to thank you for being with our program since August 21, It looks like we have helped you tremendously since then! Secondly, thank you for taking the time to speak with us today in regards to your complaint We are happy that speaking with our representative helped ease your concerns Feel free to contact us with any further questions at our Customer Service Line ###-###-#### M-F 8AM-6PM MST

Initial Business Response / [redacted] (1000, 5, 2015/09/10) */ Dear Customer, In accordance to State and Federal laws we bill in arrearsThis means that we will work on your behalf upfront and bill you at the end of your billing cycleYour request to cancel was made July 19th by e-mail and our company policy clearly states that cancellations need to be communicated by phone to our customer service department for security purposes and to verify you are the account holder making the requestWe responded to your e-mail cancellation by calling and leaving a voicemail with how to proceed with cancellation as well as an e-mail with the same instructionsWe did not receive a call back to proceed with the cancellation, therefore we cancelled the account and collected the final payment due on the accountThe actions taken on both accounts are outlined in the disclosures signed by both partiesWe are sorry to see you go, and hope you reconsider based on the dramatic improvements Inversion Credit made to your credit file Sincerely, Client Relations

Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , and find that this resolution is satisfactory to me Sincerely, [redacted]

Dear Mrs [redacted] ,We would like to respond by confirming our agreement to refund $to youThis transaction was successful on 3/7/Please let us know if we can further assist youSincerely,Inversion Customer Service Team

Initial Business Response / [redacted] (1000, 6, 2015/11/23) */ In response to this complaint ***, please see the response to your first complaint for explanation of your accountAccording to state and federal laws we bill in arrearsThis means that we perform the work and then you are billed at the end of your billing cycleYour initial payment of $was for the analysis of your credit report and to build your online portalThe first round of letters are constructed and sent to the bureaus immediately following the analysis and building of your portalBilling in arrears means that compensation for the letters are due at the end of the billing cycleYour first dispute letters were sent to the bureaus after your initial payment was made of $89.95, therefore the final payment of $for the first round of letters is your final payment due Nov29thWhen a cancel request is made we no longer give access to the portalIf you would like to contact our customer service at X-XXX-XXX-XXXX I would be happy to turn your portal back on until your final payment dateIf the cancellation request is made after the letters are sent, like in this case, we still need to be compensated for our work on your behalfYou will see changes at the day mark based on the letters already sent on your behalf and hope you reconsider working will us and join the thousands of other satisfied customers with Inversion Credit obtaining home loans

Please just return my moneyI am very very disappointed.
Complaint: ***
I am rejecting this response because:
Sincerely,
*** ***

Hello, We are very sorry to hear that your experience was anything but exceptionalAs far as our rating with the Revdex.com, we aren't sure who informed you of the incorrect rating, but we have not falsified our ratingAfter reviewing your account, we noticed that the last payment that was denied
was actually your final payment, because we bill in arrears the payment is due at the end of the billing/work cycleHowever, we have waived that final payment as a courtesy for your patienceWe also checked your records and verified that our work did result in nine negative items that have been removed from your credit reportAgain, we apologize, we will have no further contact with you as per your requestBest of luck!

Initial Business Response /* (1000, 6, 2015/10/20) */
We apologize that you feel we are fraudsWe are in fact a very successful credit repair company that removes thousands of negative erroneous items from consumer's credit reportsOn this particular account we opened our investigation with the
*** *** on your behalf addressing the erroneous items on your credit reportUntil we are able to pull an updated credit report with you, the changes will not be acknowledgedIn response to the final bill due on the account, we bill in what is called arrearsThis is in compliance with State and Federal LawsWith this billing model our company performs work on your behalf before payment is dueThis means at time of cancellation consumers will usually have a final payment because work has already been completedThere were two rounds of dispute letters sent out on this accountWe have an initial sfee for all accounts and then work is billed on a monthly basisOn this account we only collected the initial sfee and payment for one round of lettersSince the cancellation of this account we have gone above and beyond to refund this consumer and have received no payments for the disputes and work performed for this personWe again apologize if it was unclear how we bill our consumers and wish you luck in the credit repair process

Complaint: ***
I am rejecting this response because:
Sincerely,
*** *** yes I agree to a month to month basic in Febwhen I called and was very unhappy with they I was being ignored when I called I said I wanted to cancel my serve the caller stated it would take timethen when your office called to ask if they could debit my account I said no I was not continuing with your service

Dear Mr***, We apologize for any frustration you may have experienced attempting to contact us Our records show that you and the first representative you were speaking to were disconnected as he was attempting to give you the phone number to cancel the
credit monitoring serviceThrough my research, I found that the representative you spoke with contacted the credit monitoring company on your behalf and cancelled it after not being able to get a hold of you from your disconnect. He also advised them to refund $for your inconvenience. Feel free to contact us with any questions in regards to this at ###-###-#### Customer Service Department is open M-F 8AM-6PM MST

Dear Mrs***,First on behalf of Inversion Credit we would like to thank you for your businessWe are a very successful credit repair company that strives for good experiences with all our clientsWith that said I would like to apologize if your experience was any different, and I’d like to
clarify your concernsCongratulations to your husband for clearing his credit! With most of our clients we see these resultsThe first concern I’d like to address is the actual items we disputed on your accountsWhen our clients join Inversion we take a very aggressive approach to your credit, which means we dispute all erroneous items on your credit report, unless you dictate otherwiseThis would include state accounts, such as liens and child support if they are erroneousSpecifically we disputed the lien and child support from your husband’s credit profile on December 14, A request to stop was made on December 30, I hope you can appreciate that the dispute letters were already sent out creating a review of the account and after there was a request to stop disputing certain items this was completed and never disputed againThe dispute letters expire after days meaning there is an active investigation for days after the credit bureaus receive the dispute letterBy sending out the letters on December 14th there was days after this date for the bureaus to respond in a denial/removal/or correction of the accountBy January 14, the previous letter disputes were closed, the accounts requested were removed, and new letters were sent to the bureaus without the lien or child supportI’m sorry to hear that you were in review with the courtsWe only disputed the accounts until your request to stop on December 30th, which came days after the letters were sentNow to address the scoresWe pull consumer scores as appose to FICO scoresThe reason for this is because FICO score pulls will deduct up to points from our score, negating the work that we do to increase your scoreConsumer scores are real however these are estimates since the bureaus use complicated algorithms to figure your scoreConsumer scores were developed to give the client an idea of where their score isWe tell our client to expect their scores to be about 30-points less than consumer scoresWe use consumer scores as a guide to see the shift in your credit score, but remind clients of the difference when they go to pull their FICO scoresWhen repairing your credit clients tend to focus on scores, which is valid, but there are so many more elements to your creditMeaning the type of accounts on your credit will define your capability of getting a loanYou can have the highest credit score with open collections and this would be an immediate denial of a loanWe try to coach our clients to look at the specific accounts we remove and as a bonus they will see their scores go up as accounts are removedFinally, I’d like to address your concern about shopping aroundWe do not encourage our clients to apply for new credit early in the process because new credit decreases your score and causes discouragementIf your credit is not ready then it is not ready and repair needs to be the main focus before looking at obtaining a loanCredit is not destroyed overnight and therefore can be respected to not change overnight

Initial Business Response /* (1000, 9, 2015/11/23) */
In response to your complaint ***, your call with *** *** was reviewed by *** *** Assistant Manager of Customer ServiceIt was recorded and clearly explained to you by *** *** with your agreement, that the $
payment is for the analysis of your first credit report and the construction of your online portalThe $payment is a monthly recurring payment to cover the dispute letters we send on your behalfIn regards to this account you had a credit report analysis with *** *** your portal was built, and immediately following we sent the bureaus your first round of dispute lettersA cancellation request was made by you after we sent the first round of lettersThis means that we performed work on your behalf and were not billed until the end of your billing cycle or at time of cancellation, which ever comes firstIn this case the letters were sent before you made a cancellation request, therefore compensation is dueIn days from when we sent the letters there will be changes made to your credit fileWe hope that you reconsider when erroneous items fall off your report and join the thousands of satisfied clients with Inversion Credit obtaining home loans

Hello, Our records indicate we reached out to *** *** several times to go over her credit report, and to go over where her scores were after the first month, but the payments kept bouncing with no response from *** *** after she demanded we work for free and refused to pay for
services that had been renderedDue to obvious miscommunication along the way, we would like to offer *** *** a refund for the payment she did make of $Please advise

Hello, While we show Ms*** as suspended with no request to cancel, if she had requested to cancel she still would have had a final payment due in March as we bill in arrearsI have included the text from the agreement Ms*** signed on 02/01/2017:"In consideration of Inversion Credit
LLC/*** *** *** *** *** services you agree to the following: 1) You agree to pay Inversion CreditLLC/*** *** *** *** *** the initial set up fee discussed during the consultation after set up work has been completed(Set up work includes; extraction of negative and erroneous information, complete 24/online portal access has been built, and first round letters prepared.)2) You agree to pay Inversion CreditLLC/*** *** *** *** *** the recurring monthly fee to be paidafter work has been performed. 3) You agree to grant Inversion CreditLLC/*** *** *** *** *** permission to withdraw the one time initial set up fee and monthly fees from your credit card or bank account once work has been completed. 4) You agree to promptly notify Inversion CreditLLC/*** *** *** *** *** of any change of your name, address and/or marital status." I will make sure Ms*** request to cancel is processed, but no money that was not due as per the agreement she signed has been taken from herIf Ms*** can recall the date she requested to cancel, I am able to pull the call to verify any other detailsThank you

Hello,I pulled the calls with Ms***, and she was informed on a recorded line that the payment was still due even if she didn't want to continue service because we had already performed the workShe then says, "I can't hear you...(the agent said, "I can hear you just fine") "Well I can't hear you", and hangs upShe also said that she thought we "kicked her out of the program" because our customer portal asked her to sign her disclosures again, (system glitch that didn't change anything one way or another,) but there's no record of her calling about it from the number we have on file.The last payment taken was originally due on 3/2/for the work performed in February The card was declined and the account was suspendedThe payment taken was not to continue services, but for services that had already been rendered. Thank you

Hello, Once again, if you would like to have a credit report pulled and it shows that nothing has been removed, as per our policy we would refund you the total amount of $If you do not wish to have a credit report pulled, we are prepared to refund you the last charge of $99.00. Thank you

Final Consumer Response /* (2000, 7, 2015/10/06) */
issue resolved

Dear Mr. [redacted], February 26, 2016 you signed the disclosures for us to move forward and work on your behalf. Within our disclosures, we break down payment arrangements and agreements and clarify that an Initial payment of $89.95 upon completion of your on-line portal...

and the analysis of your first credit report will be charged. Thereafter you will pay $79.95 on a month to month basis in arrears. Our month to month billing is in place for the reason that there is no time frame within the type of service we provide. Everyone’s credit report is unique to each individual. In your case, you did not have much to repair, but there were certain things we needed to focus on.  We followed through on our end as we have contacted the bureaus on your behalf in regards to those accounts. We also attempted several times to contact you back, but it seems you work graveyard shift and we missed you several times also.Aside from our phone call attempts, we also responded to your portal note, apologized, and answered your questions about the progress on your account.  (See Attached Portal Note)Anytime we get a new credit report or receive correspondence from the bureaus, your Client Portal will update, this usually happens within 30-45 days. We will need a second credit report to confirm your progress.  We apologize for any confusion you had with our process. For your frustration, we have refunded you the recurring fee of $79.95.  I have cancelled your account, but we would still like the opportunity to speak with you in regards to obtaining your progress  in our program and restore your faith in our company.Please contact us at your earliest convenience and speak to any account manager about your progress.  Our customer service line is ###-###-#### and our hours of operation are M-F 8AM-6PM MST.

Initial Business Response /* (1000, 6, 2015/11/23) */
In response to this complaint [redacted], please see the response to your first complaint for explanation of your account. According to state and federal laws we bill in arrears. This means that we perform the work and then you are billed at the...

end of your billing cycle. Your initial payment of $89.95 was for the analysis of your credit report and to build your online portal. The first round of letters are constructed and sent to the bureaus immediately following the analysis and building of your portal. Billing in arrears means that compensation for the letters are due at the end of the billing cycle. Your first dispute letters were sent to the bureaus after your initial payment was made of $89.95, therefore the final payment of $79.95 for the first round of letters is your final payment due Nov. 29th. When a cancel request is made we no longer give access to the portal. If you would like to contact our customer service at X-XXX-XXX-XXXX I would be happy to turn your portal back on until your final payment date. If the cancellation request is made after the letters are sent, like in this case, we still need to be compensated for our work on your behalf. You will see changes at the 45 day mark based on the letters already sent on your behalf and hope you reconsider working will us and join the thousands of other satisfied customers with Inversion Credit obtaining home loans.

Dear [redacted]  Your account has been cancelled since 06/28/2016 when received your request.  No further work has been performed and no other charges will accrue. The payment of $79.99 was taken from your account on 06/26/2016, this was for work performed in May and was considered your...

final payment. We apologize if this was not made clear to you. We have attempted to get into contact with you to address your concerns, and have not had any luck getting a hold of you. Please contact us if you have any further questions about this at ###-###-#### we are open to take your call Monday-Friday from 8:00 AM-6:00 PM Mountain Standard Time.

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Address: 10200 E Girard Ave STE D206, Denver, Colorado, United States, 80231-5507

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