Rising Point Solutions, LLC

Tell us Hi [redacted] , First, we want to say we do understand your frustration with the anticipation of purchasing a home now being put on hold for a little longerSecondly, can you please provide us with the documentation (emails) from [redacted] stating a guaranteed increase in your credit score? We would like to review this information The credit cards we recommend are all secure credits cards, meaning there is a small fee and/or depositFor the credit institution this is how the protect themselvesSome of the cards on our website are for fair credit (600+) and some are for bad credit (or lower)If you were turned down by one of these companies we certainly want to know which credit providers denied your application, as this is an issue for our companyCan you please provide us with the information for the credit institutions you submitted an application for, off our website, and were denied credit? After reviewing your last credit report (March 20, 2017) in detail the following accounts were added to your credit report after our services started 11/29/– [redacted] was added to Transunion 11/1/– [redacted] was added to Experian 12/1/– [redacted] was added to Experian 12/1/– [redacted] was added to Experian (different account than above) 12/5/– [redacted] was added to Equifax and Transunion ( [redacted] ) 12/12/– [redacted] was added to Equifax and Transunion (***) There is not a specific [redacted] account listed on your credit report but [redacted] is associated with ***, I believe this is the account you are referencingYou state that this is a fraudulent account, do you have a police report claiming identity theft? If so, we do not have this documentation on fileWithout proper documentation of identity theft, we are unable to dispute information with the credit bureaus as being fraudulent After reviewing your file in further detail, we did add the collection accounts that were added to your credit report after starting our services, to your file to begin the dispute processAs stated in our the “Best Results Agreement” within our contract, accounts added to your credit report as well as no positive, open tradelines will affect your score negativelyThese are the reasons your score has not increased or dropped As for your account being debited on March 24, monthly payment are for services rendered, as stated in our contractOur services, as clearly stated in our contract, are to you help improve your credit profileThere is no mention of credit score increase as this depends on many factorsAlthough this is the result we desire, we have documentation stating that adding new accounts and having no open, positive credit will impact your score negativelyWhich is the case hereYou received decent results from our services: 25% removed from Equifax, 36% removed from Experian, and 27% from TransunionThese statistics include the accounts that were added while you were in the programAs we stated, those accounts plus no open, positive credit is the reason there is no increase in your scoreThis has nothing to do with Rising Point Solutions servicesWe stand firm on our offer of continuing to work on your file for months at no charge, but no refund will be given as our services, as stated in our contract, were providedwhy here

Complaint: [redacted] I am rejecting this response because I don't want no service from this fake company, when I was paying for the service I didn't get it now they want to work for free I don't think so [redacted] is a mobile phone company not [redacted] cable company and yes I had a Affidavit and it was notarized, I just didn't get around to mailing it since I work 3rd shift time got away from me daytime hours are not my best time I'm a night person as your people know from trying to contact me during these hoursI need to see this contract that you keep talking about I don't remember no contract I need to see it with my signature and date on it asap, no free service, just my money back, and for the record the only thing you people did was send dispute letters nothing more, and for you to debit my acct again for what service was done in March email me the bill I want to see this action with dates and time as a m***er of fact send transcripts from the beginning to now of all work done with dates and time since so much was done on my behalf Regards, [redacted]

We have communicated with this client several times since her complaintShe has received what she wanted from us and is happy with the resolutionShe is willing to withdraw the complaint and mark it as satisfiedThere was a miscommunication on our side and that has been rectifiedI believe she is happy with our response to her needs and she will state such

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and find that we have started a process to resolve our complaintAt this time the resolution is satisfactory to me
Regards,
*** *** *** ***

Client spoke with Owner/COO, *** *** and came to a resolution

We have communicated with this client several times since her complaint. She has received what she wanted from us and is happy with the resolution. She is willing to withdraw the complaint and mark it as satisfied. There was a miscommunication on our side and that has been rectified. I...

believe she is happy with our response to her needs and she will state such.

Tell us Hi [redacted], First, we want to say we do understand your frustration with the anticipation of purchasing a home now being put on hold for a little longer. Secondly, can you please provide us with the documentation (emails) from [redacted] stating a guaranteed increase in your credit score? We would like to review this information.  The credit cards we recommend are all secure credits cards, meaning there is a small fee and/or deposit. For the credit institution this is how the protect themselves. Some of the cards on our website are for fair credit (600+) and some are for bad credit (500 or lower). If you were turned down by one of these companies we certainly want to know which credit providers denied your application, as this is an issue for our company. Can you please provide us with the information for the credit institutions you submitted an application for, off our website, and were denied credit?  After reviewing your last credit report (March 20, 2017) in detail the following accounts were added to your credit report after our services started.             11/29/2016 – [redacted] was added to Transunion            11/1/2016 – [redacted] was added to Experian            12/1/2016 – [redacted] was added to Experian            12/1/2016 – [redacted] was added to Experian (different account than above)            12/5/2016 – [redacted] was added to Equifax and Transunion ([redacted])            12/12/2016 – [redacted] was added to Equifax and Transunion ([redacted]) There is not a specific [redacted] account listed on your credit report but [redacted] is associated with [redacted], I believe this is the account you are referencing. You state that this is a fraudulent account, do you have a police report claiming identity theft? If so, we do not have this documentation on file. Without proper documentation of identity theft, we are unable to dispute information with the credit bureaus as being fraudulent.  After reviewing your file in further detail, we did add the 6 collection accounts that were added to your credit report after starting our services, to your file to begin the dispute process. As stated in our the “Best Results Agreement” within our contract, accounts added to your credit report as well as no positive, open tradelines will affect your score negatively. These are the reasons your score has not increased or dropped.  As for your account being debited on March 24, monthly payment are for services rendered, as stated in our contract. Our services, as clearly stated in our contract, are to you help improve your credit profile. There is no mention of credit score increase as this depends on many factors. Although this is the result we desire, we have documentation stating that adding new accounts and having no open, positive credit will impact your score negatively. Which is the case here. You received decent results from our services: 25% removed from Equifax, 36% removed from Experian, and 27% from Transunion. These statistics include the 6 accounts that were added while you were in the program. As we stated, those 6 accounts plus no open, positive credit is the reason there is no increase in your score. This has nothing to do with Rising Point Solutions services. We stand firm on our offer of continuing to work on your file for 3 months at no charge, but no refund will be given as our services, as stated in our contract, were provided. why here...

Complaint: [redacted]
I am rejecting this response because I don't want no service from this fake company, when I was paying for the service I didn't get it now they want to work for free I don't think so. [redacted] is a mobile phone company not [redacted] cable company and yes I had a Affidavit and it was notarized, I just didn't get around to mailing it since I work 3rd shift time got away from me daytime hours are not my best time I'm a night person as your people know from trying to contact me during these hours. I need to see this contract that you keep talking about I don't remember no contract I need to see it with my signature and date on it asap, no free service, just my money back, and for the record the only thing you people did was send dispute letters nothing more, and for you to debit my acct again for what service was done in March email me the bill I want to see this action with dates and time as a m[redacted]er of fact send transcripts from the beginning to now of all work done with dates and time since so much was done on my behalf
Regards,
[redacted]

Tell us why here.. Hi [redacted],  As stated in our contract, as well as multiple email conversations, our program does not guarantee results or specific score increases. After reviewing the communication between you and the sales representative and customer service representative there is no...

mention of a guarantee.  Comparing your original credit report with your updated credit report on (3/20/17), you did receive a score increase; 524 to 549. The 505 real estate credit score you are referring to is a FICO Score, which is calculated much differently than a consumer based score; which are what the first two credit scores we have on file. As previously stated, there are over 40 different types of scoring models, many of those being strictly consumer based score (like your first two scores). Real Estate (lender) Scores are different in the sense that the score is calculated based of different factors than consumer based scores. This is the reason we send you back to the same credit monitoring site to get an updated credit report, therefore the score is based on the same scoring model. During the consultation you were given specific instructions on how to build credit as you had/have no open (positive) tradelines reporting to your credit report. There are also several instances where the sales representative as well as the customer service representative reminded you to open up new tradelines. Specific resources and sites were given as these are secure credit cards. With a 500 credit score you cannot go to just a bank on any corner and try to qualify for a credit card, you will need an secured credit line. As stated in all email conversations.  Your score did drop for two reasons, you failed to open any positive credit lines as advised multiple times. Although our top priority is to remove negative items from your credit report, you are still responsible for placing new, open, positive tradelines on your credit. Removing negative items from your credit report does boost your credit score but only if you have positive, open tradelines to counteract the accounts as they are no longer factored into your score. Secondly, a new account was added to your credit report on 11/29/2016 to Transunion for [redacted]. This had a significant impact on your Transunion credit score as well.  As stated in our previous conversation, we have terminated your account with us. Due to the information provided above we will be unable to give you a refund on our services. We will though offer you 3 months of service at no charge to continue working on removing the negative and/or inaccurate items on your credit report. We also ask that during those 3 months you open up at least one positive open trade line.   .