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wvufan788893
17 Posts |
 Posted - 06/13/2008 : 6:13:05 PM
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I can't help but, see a considerable amount of "credit repair" offers here. None of them seem very professional or backed by any type of creditentials (licensing, registration, bonding, BBB membership, law license, rankings/testimonals, etc.).
Is this common for this forum or is it just permissible spam? |
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hpmfinancial
1471 Posts |
Posted - 06/14/2008 : 7:40:23 PM
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quote:
Originally posted by wvufan788893
I can't help but, see a considerable amount of "credit repair" offers here. None of them seem very professional or backed by any type of creditentials (licensing, registration, bonding, BBB membership, law license, rankings/testimonals, etc.).
Is this common for this forum or is it just permissible spam?
You join the outpost and make some interesting claims. Although there are some unprofessional companies, there are some great ones as well. Are you an attorney? Do you have actual results you can show us? Has anyone from the outpost done business with you? Does every state require a license? How long have YOU been doing credit repair?
Before you start asking questions, you should answer some so we know who you are. |
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hpmfinancial
1471 Posts |
Posted - 06/14/2008 : 7:57:53 PM
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quote:
Originally posted by scotl47
Have you ever gone over the speed limit? Did you ever have a drink before you were 21? Have you ever left the toilet seat up? Is there life on Mars?
These are things we need to know before you post an announcement on this forum.
Actually when you jump on the outpost and start going after the reputable companies, it is a good idea to make sure you can walk the walk. In your case Scot, why don't you tell us who you work for? |
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hpmfinancial
1471 Posts |
Posted - 06/15/2008 : 01:07:48 AM
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quote:
Originally posted by scotl47
I work for myself.
What is your company called? |
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wvufan788893
17 Posts |
Posted - 06/15/2008 : 09:36:20 AM
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To answer your questions HPM:
1) Yes, I am a licensed attorney although Apex Credit Services, LLC isn't a law firm,
2) We can not disclose the names and results of our clientele for confidentiality purposes. However, please search our Better Business Bureau membership or simple "Google" the term "best credit repair." We have quite a few testimonials,
3) Most states require some fashion of licensing but, I can't assert that every single one does. Still, in states where a credit service organization isn't required to have a license, the CRO should have a bond and be a Better Business Bureau member for the consumer to have adequate safeguards,
4) Apex Credit Services, and then ACS, LLC, was founded in 2005. |
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htdifinancial
1556 Posts |
Posted - 06/16/2008 : 07:53:17 AM
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quote:
Originally posted by wvufan788893
I can't help but, see a considerable amount of "credit repair" offers here. None of them seem very professional or backed by any type of creditentials (licensing, registration, bonding, BBB membership, law license, rankings/testimonals, etc.).
Is this common for this forum or is it just permissible spam?
You're kidding right?? I've been a member of broker outpost for over 2 years and my company has been a sponsor for 2 years. I've helped a bunch of people on this forum, whether profiting from it or not.
HTDI Financial averages one of the highest fix deletion rates in the industry with over 47% fixed within the first 45 days alone. We have a huge testimonial section at http://www.htdifinancial.com/testimonials.php
HTDI Financial pays it's loyal real estate professionals $50 per client they send over and allow them to track, in realtime, their clients' progress and receive automatic email notifications upon updates.
HTDI Financial is the leader in credit repair company support (csoprogram.com) and provide huge backend solutions (creditrepairtracking.com) to existing companies rather than trying to put them out of business and considering them our competition. Many times we help them streamline their contracts and ensure everything is in order.
My more recent project, the National Association of Credit Services Organizations (nacso.org), was founded in July 2007 to help standardize this industry and has a board of advisors of many ethical and honest credit repair leaders. FYI, BBB membership is crap. I've got a letter from them to our attorney that they are restricting and not renewing credit repair companies, even though BBB is to remain unbiased. Appears they are jumping on the credit repair hater bandwagon too.
What have you done for this industry? |
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American Credit
460 Posts |
Posted - 06/16/2008 : 07:58:47 AM
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quote:
Originally posted by wvufan788893
I can't help but, see a considerable amount of "credit repair" offers here. None of them seem very professional or backed by any type of creditentials (licensing, registration, bonding, BBB membership, law license, rankings/testimonals, etc.).
Is this common for this forum or is it just permissible spam?
Never heard of you before but you should definitely do your homework before posting something like this. I agree that there are a lot of pretenders that jump on here and within their first 5 posts they say that they are the best and blah, blah, blah. I'm sure that this is what you are talking about when you refer to "credit repair" companies posting "permissable spam." The only problem is that I just described you! |
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wvufan788893
17 Posts |
Posted - 06/16/2008 : 08:09:03 AM
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It also seems that when one asks a question, they get more questions as a response. Moreover, no matter how they answer, they get flamed.
Seriously, I wasn't directing my inquiry to any one certain company or person. I understand that there are some legit companies however, that isn't what displayed in the first five or so pages in the announcement section. Most, if not all, was the "WOW, RAISE YOUR SCORES BY 200 POINTS IN FIVE DAYS" mumbo, jumbo.
In any event, I wasn't disparaging CRO's. The inquiry was made in reference to the board itself.
With that said, I'm pleased that some of you guys have reputable companies. However, there isn't any reason to say that Apex Credit Services, LLC isn't reputable when it is obvious we are and simply because I made the mistake of asking a question.
Finally, if we're "spamming" please tell me how? I just asked a question. In addition, I thought HDTI sold software for credit repair? I didn't know they actually did it. As for NACSO, we would like to attempt to join and have sent an applicable email request to that end. |
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htdifinancial
1556 Posts |
Posted - 06/16/2008 : 09:38:18 AM
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Thanks for your explanation, Jason. That makes perfect sense. HTDI does provide software solutions to companies, but not limited to just that. We started our credit repair company support campaigns about 3 years ago after we figured out exactly what companies needed and developed the systems (from what we used).
We provide all kinds of solutions. The main goal is to change the industry standard one company at a time. |
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wvufan788893
17 Posts |
Posted - 06/16/2008 : 09:41:07 AM
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| Not a problem . . . |
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hpmfinancial
1471 Posts |
Posted - 06/16/2008 : 11:17:40 AM
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| I think the reputable companies on the outpost have replied on this post. |
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wvufan788893
17 Posts |
Posted - 06/16/2008 : 11:33:35 AM
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Upon reflection, I think you're correct.
In what sub-topics do the aforesaid companies post. We're only asking so that we can contribute as well. Seems this announcement forum isn't for much by way of substantive information.
Again, we're not here to spam. We belong to other forums (I won't put the names due to board policies) and we simply don't solicit. Our belief is that sharing "sound" information promotes the industry and it is the rationale behind why we post on these forums. |
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American Credit
460 Posts |
Posted - 06/16/2008 : 11:42:04 AM
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| Just click on the our usernames, it'll pull up the threads that we have posted on. |
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CreditRepGal
631 Posts |
Posted - 06/16/2008 : 12:15:05 PM
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What Baffles me is that Lawyers somehow think they are more qualified to repair credit. There is a lot more to it then having access to all the same laws we do. The laws are public information and just because you’re a lawyer doesn’t mean you automatically qualify as a credit expert.
So what other than being educated in law, (although I'm sure you didn’t learn credit repair laws in law school), Makes you more qualified than an actual credit repair company? Our company is licensed and follows all of the laws surrounding credit repair. We require all of our credit experts to go through an extensive training and education and must have 2 years experience in the credit repair industry before they are allowed to work as a credit EXPERT here at EZ Credit repair. Our AE's in the field are NOT credit experts and do not qualify until their two years are up. The education and consultation I'm sure you all will agree is very crucial to helping the clients obtain better credit scores. There are many rules and tricks to credit that may make or break that loan the client is trying to obtain and without the important facts about credit, the client may end up further damaging their credit without ever missing a payment. There are 5 major factors in regards to make up your credit score. Can you tell us those 5 major factors and what your company does to address each one? I know Dominic and Sam knows these and I've no question of their knowledge but coming onto BO with less than 10 posts and making the claims you did open yourself up for questioning. You after all are the new guy. All of us have threads containing referrals from brokers here on outpost that have used us and correct me if I'm wrong boys but I have yet to see a post from any broker claiming any of us did a poor job.
I’ve just never been a fan of passive aggressive advertisement. I think it’s unprofessional to advertise by talking poorly about your competition. You should focus on what you have to offer not trying to discredit others.
Also Dominic I need your email again regarding the information on we previously spoke about… we are expanding and moving our secondary office back to mainland and will be implementing a tracking system. Do you also do debt settlement? I have a client for you or sam that needs help. We tried to help her repair her credit but unfortunately she told us she was current on her payments since the report she sent us and the next time the broker pulled her credit she had obtained both a foreclosure and a repo. At this point although we are honoring her credit repair for the year… and we will continue to fight the negative items, she is a sinking ship and she needs more than credit repair..
My apologies for the winded post…. I’m not allowed coffee so I’ve had way to much sugar this morning…
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wvufan788893
17 Posts |
Posted - 06/16/2008 : 12:31:09 PM
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First and foremost, we didn't make any claims rather, we simply answered some questions posed to us. Secondly, we didn't make any comments with respect to credit services organizations. They were made in reference to this forum itself.
My being a lawyer plays no role in Apex Credit Service, LLC other than having to live up to standards imposed by the Model Rules of Professional Conduct. Apex Credit Services, LLC is a credit service organization, not a law firm. However, I think that being an attorney demonstrates some legitimacy and ability to read and comprehend the FCRA/FDCPA/FCBA/FACTA amendments to the FCRA/ECOA, etc., etc. As for being more qualified, well, no being an attorney does not make me qualified to adequately achieve deletions and the like. However, having some contacts aquired through litigation may.
I will agree that training is imperative. With respect to Fair Isaac's five major elements, yes, we are profoundly aware of them. Anyone can review those just by visiting their site. Applying those elements to an applicant's credit reports is what is applicable.
In any event, we weren't making an solicitaton here or trying to disparage anyone. I was simply asking the initial questions in order to ascertain whether we wanted to participate on this board. I think after speaking to some of the senior most CSO's here, you'll find us to be okay. |
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CreditRepGal
631 Posts |
Posted - 06/16/2008 : 12:40:19 PM
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QUOTE" None of them seem very professional or backed by any type of creditentials (licensing, registration, bonding, BBB membership, law license, rankings/testimonals, etc.)."
The above statment simply came off a bit abrasive and it just seems that anytime some new to BO credit repair company jumps on board they take the same apoach and it does come off as asumption claims....
And actaully I was asking what you do to adress each one of those 5 aspects... simply using credit repair laws to dispute neggative ites is not sufficient credit repair. Anyone can look p dispte letters online and fill in the blanks.... but thats only adresses payment history which only amounts to 35% of your credit score... how do you adress the other 4 aspects? These are important questions. What services do you offer to help clients with the other 4 aspects?
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wvufan788893
17 Posts |
Posted - 06/16/2008 : 1:06:30 PM
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An honest question, do not most of the statements in the announcement forum meet the aforementioned parameters? That is why I asked if was permissible for anything to be posted.
I apologize if it came off as being abrasive. It was not directed to you or, again, any CSO. It was directed to this forum. That being said, you're preaching to the choir. I know exactly your mindset because we're met with the same difficulties as you. No matter what your credentials, you're pooled into the "credit repair" catagory of scams and outlaws. I know that is unfair and it was one of the reasons I asked the question I did. That is too say, if this was merely a spam board or a craigslist copy cat, we weren't going to post. I am not inclined to feel that making outrageous claims presents an accurate picture of this business. As such, I simply wanted to ensure that we were about to begin posting to a forum were such claims were common.
That is all I was driving at.
As for your questions as to how we address the aforesaid FICO elements, I am not going to disclose our methodology. However, I will say that we dispute everything in writing and by data field (the only way to comply w/ the CROA). We do this to ensure that for the items we do not remove, we have accrued some violation of the FCRA, 15 U.S.C. 1681s-2b) as presribed under Cushman v. Trans Union and Johnson v. MBNA. We then can refer our clients out to consumer attorney's in their jurisdictions if they wish to litigate. We also contact the furnisher of information under the auspices of the FDCPA if a debt collector/purchaser and under the prosciptions of the FACTA amendments to the FCRA if an original creditor.
As to how we address overall history, payment history, and utilization, easy, we offer tradeline additions. A considerable amount of people solicitng these services have a lack of overall history in terms of revolving credit and what they do have is above 33% in terms of utilization. We can amplify and mitigate certain things through additions. I realize that some find this practice to be ethically challenged but, the FTC stated it is legal. Moreover, one cannot make illegal this practice and allow Mom and Dad to accomplish the same end for Son and/or Daughter. FICO 08' notwithstanding, this is a very effective tool aside from ones on perogative on the subject.
We also challenge inquiries based on their permissible purpose or lack thereof.
Finally, we do encourage our clients to obtain a good mix of account designations, stay current on their existing accounts, and limit new applications/accounts.
I think that is all we can do under the FICO elements as known to us. |
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hpmfinancial
1471 Posts |
Posted - 06/16/2008 : 1:06:31 PM
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| Mr. Barnette, which states are you a licensed attorney in? |
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CreditRepGal
631 Posts |
Posted - 06/16/2008 : 1:19:44 PM
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Thats what I meant. I was just asking what services you offer to help the client with each of the different aspects.
As for the forum... this section is specifically for information on services. Spam is blindly sending unwanted information to people who arent asking for it. The services side of BO was desiged so any service provided=rs can post their services. As I'm sure you've noticed there is no soliciting inthe broker side of the forum.
quote:
Originally posted by wvufan788893
An honest question, do not most of the statements in the announcement forum meet the aforementioned parameters? That is why I asked if was permissible for anything to be posted.
I apologize if it came off as being abrasive. It was not directed to you or, again, any CSO. It was directed to this forum. That being said, you're preaching to the choir. I know exactly your mindset because we're met with the same difficulties as you. No matter what your credentials, you're pooled into the "credit repair" catagory of scams and outlaws. I know that is unfair and it was one of the reasons I asked the question I did. That is too say, if this was merely a spam board or a craigslist copy cat, we weren't going to post. I am not inclined to feel that making outrageous claims presents an accurate picture of this business. As such, I simply wanted to ensure that we were about to begin posting to a forum were such claims were common.
That is all I was driving at.
As for your questions as to how we address the aforesaid FICO elements, I am not going to disclose our methodology. However, I will say that we dispute everything in writing and by data field (the only way to comply w/ the CROA). We do this to ensure that for the items we do not remove, we have accrued some violation of the FCRA, 15 U.S.C. 1681s-2b) as presribed under Cushman v. Trans Union and Johnson v. MBNA. We then can refer our clients out to consumer attorney's in their jurisdictions if they wish to litigate. We also contact the furnisher of information under the auspices of the FDCPA if a debt collector/purchaser and under the prosciptions of the FACTA amendments to the FCRA if an original creditor.
As to how we address overall history, payment history, and utilization, easy, we offer tradeline additions. A considerable amount of people solicitng these services have a lack of overall history in terms of revolving credit and what they do have is above 33% in terms of utilization. We can amplify and mitigate certain things through additions. I realize that some find this practice to be ethically challenged but, the FTC stated it is legal. Moreover, one cannot make illegal this practice and allow Mom and Dad to accomplish the same end for Son and/or Daughter. FICO 08' notwithstanding, this is a very effective tool aside from ones on perogative on the subject.
We also challenge inquiries based on their permissible purpose or lack thereof.
Finally, we do encourage our clients to obtain a good mix of account designations, stay current on their existing accounts, and limit new applications/accounts.
I think that is all we can do under the FICO elements as known to us.
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