RMCN Credit Services

I advise anyone not to use this service. kevin Power is one lieing representive. Promise things he can not do. Bug the heck out of you , call your phone all day but as soon your money is there hands he is no were to be found. Others I know have gone through the same things and they also feel cheated

Do your research... she wishes she had. Ex-wife used RMCN for a handful of items. She paid almost $2000 in the "initial charge" and monthly fees for no updates. Her contact only called her if he wanted to ask her if she could send him other customers. Whenever she called about a status update, her contact gave her zero information. When she finally called the main manager, he did not solve the issue, but told her she was paid in full and said he would make sure no more work was done to he case. She was not calling to have some "manager" tell her that she was paid up and close her account, she was calling for an update.
After making a similar comment on a different site, I began researching "RMCN complaint" "RMCN rip off" there are numerous complaints similar to ours. I checked the bbb and the rating speaks for itself. Do not end up like the ex-wife. If anyone knows of a legitimate credit repair company, please respond.

I was referred to this company from a good friend at the bank, I trust him and he was confident this was a good reputable company.
I called RMCN yesterday and spoke to a very nice women named Ann. I was up front with her about the items on my credit report and also inquired what the costs would be for her/rmcn services. She said she would need to look at my three credit reports to determine the cost. IE the amount of items..etc. I am going to speak with her again today. I'm nervous now after reading some of your comments if this really is a COST effective way of going about repairing something that is so vital to my future! If I had this type of money to spend couldn't and wouldn't I set up payments and negotiate my own write-offs and removals??

thanks you guys for the postings, that really helped. I am considering eather Your credit 101 or Lexington Law to clean up my credit report. Thanks for the help in making my decision and not getting ripped off.

I had a great original consultant (or so I thought), when he left I was transferred to another department, who did a good job also, however I have been waiting forever for settlements. One of the main reasons I signed up with this company was so that if there were any lingering issues they would be taken care of, as I do not want to deal with the collectors myself. I want someone else to make the intitial contact and negotiate with them. I was told the program would be over in 6 months, which it took 3 extra months. The gal I spoke with after my original guy left basically told me that the work they had left was free of charge and I did not owe them any more $$. I received notice that my case was complete, received a review, which I was not completely satisfied with, as my original guy told me that they would get at least 70% of the bad stuff off, and they only got about 40% for me. The gal would not really address that with me and kept telling me they "average" 70%, but I was told by my guy that they would remove at least 70%, not "average". I did not want to be a complete jerk about it, as I understand she was obviously doing her job and telling me what the original guy supposedly should have told me. Either that or they ARE supposed to remove 70% of the bad stuff and she did not to give me my refund. In any event, the settlements have taken forever. I call a lady named Lynda for updates and she never returns my calls. I cannot tell if they are blowing me of or if the Lynda lady is just incapable of doing her job. I finally called the original gal who had been helping me to ask her to have the lad return my calls, and was told she is now in a different department. Is she really, or is she gone too? High turn over rate. I am inches away from filing a formal complaint with the Secretary of State and BBB. If this Lynda does not get her act together, I am going to.

I was told my a mortgage company to use RMCN to get my credit situation together. In fact, this well known company told me that this person named Kevin who works for the RMCN, was able to get people approved for loans due to his hard work with disputing data. I am hopeful that things will work out for me. FYI: The program only runs for 150 days, they will refund your money 100% if they do not do their job. :P

I was told 180 days and they have yet to do any good. The companies they sent out the pathetic dispute letter did not actually validate any of them debt with ME! My original person was Jenifer Delany and what she told me, versus what the GM told me were not the same at all. There is no consistency in what they promise. Their "guarantee" is if they do not get at least one measely thing off of your report after 180 days then you get your money back. Well duh they are going to get at least one thing off. I would cancel the contract if it is not too late.

I worked for a bit at this company as a sales agent. You are told to "set" your own prices and are instructed to set it high if you want to make money. There is no rhyme or reason to the pricing. It is not according to the clients actual debt or how much they owe. The agent sets it according to what they want. They are making a killing. Totally different outlook on credit repair knowing what I know now.

I used to work for RMCN. I really worked hard in the beginning and believed in the system. NOW, it's a total scam. The turnover rate there is about as high as it can get. The consultants set the price on the program. It's not based on "the amount of work to be done based on the credit report" IT'S THE COMPANY GETS THE FIRST $500 AND THEN THE CONSULTANT CAN CHARGE AS MUCH AS HE/SHE WANTS UP TO $1000, AND THEN ANYTHING OVER $1000 IS SPLIT 50/50 WITH THE HOUSE AND THE REP. $981 used to be the "average" number we all used to use so the house would get $500 and we would get $481, but sometimes you could get more. Also, the $99 monthly fees went stratight to the company with $24 of that going to the consultant. Doug Parker is a professional liar and I wouldn't go to RMCN with my life. It's like a complete boiler room. AND, I JUST GOT A LETTER FROM THE FTC (FEDERAL TRADE COMMISSION) ON A PRIVATE INVESTIGATION ON THEIR BUSINESS PRACTICES. DUDE, CAN'T WAIT TO TALK TO THEM AND PUT RMCN UP IN FLAMES!!

I used to work there for about 5 months. I belived in it at first and worked hard. Then as time went on I saw what a scam it was for the customers and also the employees. Doug Parker doesn't care about his employees any more than his customers.

They will tell you that they need to look at your credit reports to determine a price on the service. Total crap! We couldn't charge anything less than $500 b/c the house gets the first $500 automatically, then the sales rep could charge whatever they wanted to and collect the rest. Now, once the charge hit $1000 the house and the rep took 50%-50 from there on up. I used to charge like $1000 average so I could at least match what the company was getting. Sure, I know of people paying like $2000 for the service when they could have got in for $500. Doug Parker is a crook. He has the fancy car, fancy clothes, etc. but he looks like a faggot and talks like one too. BY THE WAY, SOME OF US FORMER EMPLOYEES GOT LETTERS FROM THE FEDERAL TRADE COMMISSION RECENTLY ABOUT A PRIVATE INVESTIGATION OF BUSINESS PRACTICES. can't wait to speak to them about it. DO NOT GO THERE!!

So why the slander?

Despite:

There is only 18 complaints in 3 years. That's pretty good for such a large company in such a contentious field.

And they've been around since 1997.

Also, the owner is on the Board of the National Association of Credit Services Organizations.

NO ONE has ever sued them (check dockets.justia.com) in Federal court for FCRA violations.

Anonymous attacks are not only tacky they are downright unethical and, not to mention, illegal. If you have inside knowledge of illegal business practices, you should take advantage of Whistleblower protections and file a complaint with the Bureau of Consumer Affairs, the state business licensing board, the state Attorney General, the FTC, etc. etc. instead of lowering yourself to such immature anonymous slanders.

If you have a *legitimate* complaint, you need to file it with the proper authorities.

National Credit Solutions is one of the best companies out there that do credit repair!

Doug, you have to be very aware of these complaints. You are scamming people out of their money and sooner or later it's going to bite you in the ASS. You are a rip off and your BIG DAY is coming!!!!!

Use lexington law firm. They are absolutely the best. Rmcn is the worse and i am speaking from experience.. If you have been scammed please contact the bbb and the secretary of the state for texas. If neither of them work. Please contact you an attorney. We as consumers do have rights.

Don't use Lexington Law firm, they are worse than this one sounds. I know for a fact that they will run you on and on for a couple of years and do nothing and actually things seem to get worse.

Chrys makes some great points, but I don't think all of the comments posted here were really about illegal activities. (My interpretation.)

I think the frustrations expressed in this thread mirror my own experience with RMCN. I do not believe it is a matter of "illegal" practices. Instead, it is a matter of business practices. In this case, RMCN conveyed several expectations to me about how they would do business, but failed to deliver on those expectations.

Let me say that RMCN did not violate their contract with me. I thought their contract was very straight forward and easy to understand. I knew there were no guarantees of a "perfect" credit report.



What the "representative" did promise was:

1. She was available for me at any time for questions, updates, or concerns.
2. That I would receive regular, detailed assessments of my account and the actions taken.
3. After an assessment of my credit, that RMCN would perform their work based on the input that I provided. I was very detailed about the issues with each of my credit accounts.
4. They would "aggressively and continuously" pursue all options for each of my credit accounts, even beyond the one year specified in the contract.

In total, I paid approx $1200 for their services for one year.

Now $1200 bucks seems may seem steep, but when I thought about it (in retrospect), it made me wonder just how many hours of work that bought over the course of a full year. RMCN is in the business to make money...so what's their break even point after the sales rep gets their comission? $50 bucks an hour...$40, $30? At $20 an hour, that means that no more than 60 hours for the year could be spent for the following: analyzing my credit report to decide the best course of action, preparing and sending letters, processing and analyzing responses from creditors, sending me updates, "aggressively and continuously" pursuing all options...you get the idea. And that amount per hour also has to pay for their operating costs / overhead. Hmmm....

In the end, RMCN met their contractual obligations...but fell far short of other expectations that they set forth to me over the phone. (Lesson learned there.)



Now, from what the RMCN representative promised to me...here is what I received:

1. She was available for me during the first couple of months. Then it became increasingly difficult to receive any type of return call / email. After I finished making all of my monthly payments, I received a new representative handling my account, but never received any responses from that person.
2. Of the "regular, detailed assessments of my account", I received 9 emails over the course of the year that outlined actions they took, but there were no details. They gave "codes" that represented actions, but no details as to letters sent, content of the letters, or other info. I was able to follow up on the phone what these codes meant, but they could not provide "specifics" of the actions taken.
3. Much of the information I provided was ignored. I tried to follow up with my representative about the "process" being used to address my credit issues and the content of information that was being sent in my name, but the only response I received was that they would pass my info on to the investigations department.
4. In my case, "aggressively and continuously" pursuing accounts seemed to equate to sending the same claim of "not my account" to the CRA's in hopes that it the CRA would violate the "30 day" response time. The CRA's began declining any attempt to investigate any of my accounts as they had "previously been investigated".

Now that my little rant is done, what did I learn?

• I learned to read contracts carefully and ONLY expect results that are outlined in that contract.
• Anything said over the phone, that is not properly documented, is worthless.
• I made the choice of doing business with RMCN and my credit score DID improve by 100 points. BUT, I could have received the same results (for about $10 and a little of my time) if I had sent the letters to the CRA's to have the duplicate entries removed from my reports.
• I am willing to spend massive amounts of my own time to improve my financial situation. Nobody has my best interest at heart more than me.
• There is no "quick fix" for "ethical" credit repair.
• Do not be afraid to be insistent if a company is providing you with a service. Remain tactful of course, but if I had been more diligent with RMCN, I may have received better results.

Best of Luck.

CB