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Strategic Credit Restoration, Inc.

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Strategic Credit Restoration, Inc. Reviews (1)

Review: Last year I was referred to Strategic Credit Restoration aka [redacted] because I wanted to fix and improve my credit. He assured me that it would cost $1500 and he would remove the majority of charge off and negative reportings off my credit and that he would get my credit score between [redacted] in a matter of 6 months, tops. I paid him $1100 with the promise that once I see improvements I would pay him the remaining $400 dollars. Its very hard for me to trust since I have been double crossed before but [redacted] reassured me that I can trust him. I started advising him 6 months after that the negative items were not being removed and my score was still low. He started telling me "oh we cant control if the debt is sold to a third party and you dont have any credit cards which he said makes up for 30% of my score. I did my own research and its not 30% but 10% of new payment history that makes up FICO score.Desired Settlement: He has changed his story so many times and I do know that he took $4,000 from another person with whom he made promises that he couldnt keep. In the agreement I signed last October 2012, it states that is in a year the client is not satisfied, I can request a full refund. I have stated that I want my $1100 back and he said that its not possible. This is fraud and I dont want him to do this to someone else.

Consumer

Response:

At this time, I have not been contacted by Strategic Credit Restoration, Inc. regarding complaint ID [redacted].

Sincerely,

Business

Response:

We are more educational service helping individuals restore there credit scores by eliminating old and in-accurate information. This being said [redacted] worked with us for several months however, when she was informed when she started there was several open accounts that she had not paid that were still reporting from the original creditors, that had not charged off. Below is a list of negative items that were removed.As she was getting up dates she kept saying nothing has been done.

she was very combative that she knew more then we did, which clearly got out of control over time.

We worked with her on several issues and was very successful and moving one of her scores to [redacted], by removing old and improper information. This did not last long because of the following.

She had several other issues she refused/Didn't to disclose, that were repotted to her report "new collections" We do not have magic wand. She had a very large influx of credit charge offs, and defaulted issues. When a customer is restoring there credit they need to be current and stay within certain parameters in order to have positive results. [redacted] was very well aware of this and was talk to on several occasions weekly for multiple weeks. ( Multiple phone records - Emails for this record)

We not only worked on this file but continued to work on this file after non-payment out of good faith. She at that point was totally off the reservation and would not listen or talk & phone calls for that matter were non event. She was complete belligerent verbally abusive and no longer listen, she knew it all after reading a few articled on line.

When she listen and executed what we implemented she was doing fine. Then her additional issues hit and those problems could have been resolved over time however she was looking for immediate gratification & that's just not possible. This timing issue was probable 6-7 months based on her file, she was enraged by this but there was massive damage done to here files within the multiple credit agency's by her past actions and maintaining that same dis-regard going forward makes it impossible to get what was required done in any shorter time frame.

We have great success in helping people. There are few who become impossible and that is less then one hand. She happens to be one those people that no matter what is done or completed she knows more and your wrong she is right, because she read it on the internet. Below is a list of items that were removed from her report

[redacted] update

She has had new collections come on her report

acension services $960

med rev rec $1573

portfolio recovery $142

on the phone client said these were collections on stuff that already came off

make her aware her file has lots of problems, and ts not just what you see on the report, it effects your overall success

new collections have already been removed on eqifax thats why the scores shot up

you can't blame us for your for your bad credit issues as well as her gecrp credit card balance was too high also hurting her score

[redacted] pleased be advised out of hundreds of people we have helped not one person lodged a complaint against Strategic Credit Restoration, there are certain people who want to blame there irresponsible decisions on you. I await a response and a resolution on this matter

Best

[redacted],

Business

Response:

I never misguided [redacted] what so ever. We reviewed her report together. As she stated, there were a tremendous amount of companies that she was in various stages of default with, original creditors, as well as collection agencies. She was explained that she had options, to settle the debt with the original creditors, while we were working on the accounts that had already charged off.

Due to her financial position she elected to let the creditors she owed money to- charge off her debts. We clearly explained as always this would create more damage to her file that would need to restore the other files/charge offs at a later date.

She was informed that we could not remedy these items until they are charged off. As explained this could take 6 months in some cases 9-12 months and every creditor is different and there no magic wand or crystal ball ahead of time just a basic understanding of time and the patience that necessary based on where that individual is.

She stated she became frustrated about after 6 months of questioning why the only items being removed are previous addresses and the majority of the other creditors were not being removed, is a classic example of somebody not “paying attention to the updates or her report”.

Every time we would speak she would say nothings been done. Removing 45 items over the course of 5 -6 months is far from nothing being done. She was also educated through out the process and was informed 35% of your score come from bill payment history, 30% is from your revolving lines of which she had none. With any open revolving line she loses 30% of her score.

[redacted] was informed that she could do a secured Credit Card,(the higher Value- the better) and after using it properly for 6 months to a year she could be able to get small starter up Credit cards in her name. She didn’t have the money to do a secured card that would help her in the short term. That’s when it was suggested she was to get added to a card as authorized user, (Family member/husband/Brother-Sister) and that would also give her the benefit re-establishing her credit.

As far as addressing those creditors can sell her “debt” after they charge you off…….she was explained this on several occasions on how the charge-off system works. Once the original creditor charges off the debt, they don’t sell it, they sell the ability to collect the debt, that’s there right. The collection agencies do not get all the proper paperwork in order to collect it based on the FCRA, FDCPA. That’s why these collection agencies use aggressive, deceptive collection practices to scare people into paying them.

After removing as many items as we did, there were new collections that kept hitting her report. New collection items on a report have the most damaging impact. We are also not responsible for anything that comes onto a report once we start. Contractually speaking, we take a file through 3-4 cycles; payment is broken down over the 3 cycles. [redacted] failed to honor her commitment were she kept promising to pay her balance, several months went by and there was always another excuse. We continued to work on the file and we removed new collections that came onto her report and that’s when her one score shot up into [redacted], even with an open collection accounts that didn’t charge off yet.

work stopped being done after a conference call took place with her where all she did was yell, curse and scream to the point I was so embarrassed I hung up the phone and at this point she was 6 months passed due on her final payment. As for the contract she can clearly read it states she is supposed to be sending in any letters being sent to her from collection agencies or notifying us so we can have “her” answers them appropriately. She has ignored that as well as many other true facts of her own file.

As far as her comments about drugs, let me very clear on her statements. I have had 4 massively invasive surgeries over the past 12 months and each time I was laid up anywhere between 2-4 weeks. [redacted] would call me in the late evening’s multiple times a week to discuss her current file and status. (Without question there was some evenings I took her call when I should probable have done otherwise because of the pain, lack of sleep ETC) This is not about drugs but understanding that I had just had steel rods, bolts, plate, screws and many other fine metal objects implanted into my lower leg. There had been complications medically speaking, so that’s the reason for 4 surgeries. She clearly is manipulating the truth again to suite her distorted view of the real facts.

This why I am infuriated & enraged at her handling of situation that clearly is a malicious desperate act on her behalf to slander me and my personal work to extort money & my time that I put into helping her regain some minor stability back into her life of insanity.

[redacted] multiple accusations of non-performance when clearly we can show otherwise. I will be filing a legal lawsuit against her for the remaining balance due. Then we can expunge this non-sense properly from the Revdex.com.

[redacted], has 3 weeks to call me and remedy this situation in proper manner and withdraw this non-sense. That means she pays the remaining balance and cleans up her issues properly, otherwise I will seek legal remedy for services and her personal slander of me.

In most cases it would be best to give this woman her 1100.xx dollars and get her out of my hair/life. She wants the public to know about me…. I going to make this my personal duty to make this as public as possible for her and we will do this in a court room. She now has her options; her actions now will speak volumes….The truth & facts always prevail. My guess we will be in court room in the next 6-8 weeks!

[redacted],

Consumer

Response:

At this time, I have not been contacted by Strategic Credit Restoration, Inc. regarding complaint ID [redacted].

Sincerely,

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Description: CREDIT & DEBT COUNSELING

Address: 64 Division Ave, Levittown, New York, United States, 11756

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