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They have all my info and I'm worried now. They may also escalate the dispute depending on the response from the credit bureau. I had saved up a much bigger emergency fund in case anything like that ever happened again.

Why did they charge me that much when they could've only charged 24. This company has brought on extra stress to me and more work when all they had to do was close my case, delete my card and leave me alone. In 2016 alone, their clients saw over 9 million items removed from their credit reports. All the money they took out I could've paid off some of my debt myself.



They were too good to be true and I payed the price. I was promised a lot and I was a fool to believe them. It was for a minor repair too that I should have taken care of myself. Two late payments on a credit card from 2013 on a USAA credit card. I disputed once and nothing happened. I tried these guys with promise of results and they just charged me money and NEVER answered the phones again. I had to cancel my payment card because I couldn't cancel the subscription. You have to get them on the phone for that. They have all my info and I'm worried now. My report and FICO just got back to decent territory and now I'm worried they will destroy it all. I'm venting and looking for advise. I used them for just over a year and they helped me remove 37 negatives, it doesn't happen fast but they will help, they generally only send a certain number of letters per month, so they can keep you subscribing and paying for their service. It was at a time when I really didn't have the time to do the disputes myself, it was worth it to me because I had the extra money but not the time. Decided to quit using them when it got down to 10 negatives and I figured I could do it faster myself, and it was more managable with fewer negative accounts. They were too good to be true and I payed the price. I was promised a lot and I was a fool to believe them. It was for a minor repair too that I should have taken care of myself. Two late payments on a credit card from 2013 on a USAA credit card. I disputed once and nothing happened. I tried these guys with promise of results and they just charged me money and NEVER answered the phones again. I had to cancel my payment card because I couldn't cancel the subscription. You have to get them on the phone for that. They have all my info and I'm worried now. My report and FICO just got back to decent territory and now I'm worried they will destroy it all. I'm venting and looking for advise. I used them also for a little less than a year. When I felt like there was no progress being made... I called and there was some action after I called. Then after about 7 months, no matter if I called or not, the action ceased so I felt like they had done all that they can do for me so I cancelled. I don't believe it's a scam but I do believe that they can only do what they can do depending on your credit profile. It was a good way for me to get organized early on in my credit rebuild journey... I think that you will be ok. Ask a lot of questions and do not hesitate to call if you fell like nothing is getting done.... To this day it hasn't come back and it's been roughly two years. Although they haven't made much of a difference for me since then, I'm going to pay another month or so and if nothing else gets removed other than what I have gotten fixed myself, I'm going to cancel. The collection removal gave me a good 35 point increase. The rest of my increases came from paying down utilization and continuous calling to companies reporting derogs. By myself I've already gotten 5 accounts with late payments good will adjusted and within this month those will be removed off my report hopefully. Ultimately, in most scenarios they can be of help but they work very slowly to keep you as a paying customer for longer, especially if you have multiple negatives on your profile. I used them for a little while. They actually made my score drop about 40 points. It was worse when I canceled them, then when I first signed up. And I had one collection removed for it to come back with a vengeance. It was put right back on EQ. But, this time it was also added to my EQ. It wasn't on EQ before. FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. Many factors affect your FICO Scores and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act.

We have laid out all of the pros and cons for both companies in our reviews and encourage you to check them both out and decide for yourself which one you think will work best for you. This entry was met in and tagged. It was put right back on EQ. Just know some of the workers will be great at cancel saves. From what I understand, you have a short number of days to cancel the agreement. The requires that the credit bureau informs you before they re-report a solo deleted listing. You have to get them on the phone for that. They gave me the speel and told me they did not charge until after the work, so I enrolled. I had to cancel my payment card because I couldn't cancel the subscription. Why didn't someone get back to me within those 11 between?.