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RMCN Credit Services

Submitted by on Fri, 12/28/2007 - 12:18
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Has anyone heard of or used this credit repair service?


Hey I just googled and found their address

RMCN Credit Services
1611 Wilmeth Road, Suite B
McKinney TX 75069
(972) 529-0900 Office (972) 562-0225 Fax

The website says that they have been selected as the 28th fastest growing privately held company in the Dallas / Fort Worth Metroplex and is also acknowledged by the SMU Cox School of Business with 2007 Dallas 100??????? Entrepreneur Award.

If you are planning to enroll then in my opinion you should first do a proper research about their credibility. Prior to making any agreement with them you must ask them their fees, if they are asking an exorbitant amount then i must say its a warning sign.

Hope it was helpful
Take care
Nelly


Submitted by Good Nelly on Tue, 01/01/2008 - 22:33

Good Nelly

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i am currently using this company and have seen results. I did my research before signing up with them. They fees will depend on the status of your credit bureaus. They also send emails to keep you postedon what they are doing with your account. I would recommend them! I have seen results firsthand.


Submitted by on Wed, 02/06/2008 - 01:29

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I have recieved one check in the mail for the money you people took out of my checking account, you people shouldn't have taken it out in the first place, because I canceled it the first day I got it.Someone called me last week and told me I would get both payments back and I only get one, what is really going, I will see if one of you people will call me back! Cliff


Submitted by on Mon, 04/28/2008 - 02:50

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Hey Carl Clifton Current Jr. whom actually are you talking about? This is only an online debt free community and has no bearing with anyone taking payments from your account.

Do care to mention the name of the organization you're searching about. We may be of some help to you. BTW inform your bank to stop all payments to these people.


Submitted by tweetyturner on Mon, 04/28/2008 - 03:58

tweetyturner

( Posts: 278 | Credits: )


CSI Credit Services, Inc. is a full-service Credit Repair, Credit Restoration, and Credit Education company. We Spent Years Developing Our Incredibly Powerful and Effective New 5 Level System with Validation Process??????? for Mortgage Companies and Loan Officers nation-wide, and have helped their clients get Tremendous Results! We also work with individual consumers, like you, so YOU CAN achieve the same Immediate Professional Results, Guaranteed!


Submitted by on Sat, 08/23/2008 - 12:55

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DO NOT USE RMCN CREDIT REPAIR!! This place is a total scam. I spent almost $2000 with them and they actually made my credit worse. They do not "work with you". They send out a battery of letters disputing the charges and then do nothing else. After making my credit worse, I asked them for a refund, which they refused to give to me. I am in the process of filing complaints against them with the State of Texas.


Submitted by on Thu, 11/20/2008 - 07:42

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I'm a current costumer of RMCN and when I read you comment I started to panic. I haven't heard from them and I have paid close to $1200 so far. please email me to wvelez at live dot com


Submitted by on Thu, 12/18/2008 - 08:38

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I am currently in the process of using this company and YES! I have seen results in only the first 30 days. Did you have a representative when you signed up? I did and I can email him and he promply emails back. When you recieve information from the credit bureau you are to mail the origianls to RMCN and make copies for yourself, now I know from first hand that if you skip this part of the process it will take even longer and if you have additional creditors that are sending items to the crediters and it will be applied to your credit report and make it worse. I did some intense research on this company before committing to them and I have a close friend in Texas that did research as well. Everything came out legal and you can always reach someone via phone. Great Company


Submitted by on Thu, 12/18/2008 - 08:53

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I was going to sign up with Repair My Credit Now (RMCN) my BFF used them and said she was charged about $600 or so for the service. When I contacted them, the lasdy representative was very nice and understanding, but when she started talking about a $800.00 up front payment and then $99.00 a month for a minimum of 6 months I started calculating . . . $800 + $600.00= $1400.00, which is 1/4 the cost to JUST PAY OFF the items I was disputing or were negative!!! I signed up for Lexington Law Group/Firm and it is $99.00 and $59.00 a month for the level of service I wanted. I haven't even paid the $99.00 start up fee yet, but they have already begun to challenge 8 items on two credit reports.


Submitted by on Sun, 01/11/2009 - 21:59

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man you guys are scarying me I am in the about rmcn cause I amuse them rigth now hope it goes good but I wiil keep you guys informed


Submitted by on Wed, 01/14/2009 - 20:58

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sorry about my spelling on my last message my son was crying and did not realize what I was typing


Submitted by on Wed, 01/14/2009 - 21:02

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RMCN has slick marketing and a high price.
They can do nothing more than anyone can do themselves. They claim to have a V phase program but will not disclose what that is. In fact, through the one year program, I constantly asked which phase I am in and never received an answer.
I have been liberated of $1600.00 and did see some results right away after initial dispute letters were sent out. RMCN communicated in codes which were hard to understand and never was able to give any straight answers to my status or especially able to do anything more than general disputes.
In particular I had three misreported and outdated items and plenty of documentation to show they should be removed. I requested the personal attention Mike Doyle, sales/customer service rep, claimed they would give to my account if I signed up. RMCN could not get the job done or even show they would do anymore than send generic letters. Mike is also very busy with sales efforts.
Doug Parker, president of RMCN was involved a few times at my request but left the work to others who never returned my calls, answered my e-mails or worked on my account.
Marketing and sales of an overpriced product will creat one of the fastest growing companies in Texas.
After four more months of run around, I have hired Your credit 101 to do the clean up I need at a whopping $299.00


Submitted by on Thu, 01/15/2009 - 07:18

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Hello, this is Doug Parker the CEO of RMCN Credit Services, Inc. I am not aware of these so called complaints. If you have any issues my email address is dp(at)rmcn.com. I will look into any issues personally.


Best regards,

Doug Parker


Submitted by on Sat, 03/21/2009 - 08:26

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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


Submitted by on Sun, 04/12/2009 - 08:38

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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.


Submitted by on Tue, 04/14/2009 - 20:07

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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??


Submitted by on Thu, 04/23/2009 - 08:00

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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.


Submitted by on Fri, 04/24/2009 - 14:17

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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.


Submitted by on Mon, 06/22/2009 - 16:47

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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


Submitted by on Tue, 06/30/2009 - 16:47

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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.


Submitted by on Tue, 07/07/2009 - 19:33

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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.


Submitted by on Wed, 07/22/2009 - 12:23

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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!!


Submitted by on Wed, 08/05/2009 - 08:48

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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!!


Submitted by on Wed, 08/05/2009 - 09:01

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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.


Submitted by Chrys Henderson on Fri, 08/07/2009 - 04:05

Chrys Henderson

( Posts: 2538 | Credits: )


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


Submitted by on Tue, 09/08/2009 - 13:06

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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!!!!!


Submitted by on Wed, 09/16/2009 - 18:19

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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.


Submitted by on Wed, 09/16/2009 - 18:24

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Quote:

Originally Posted by Anonymous
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.
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.


Submitted by on Tue, 09/22/2009 - 13:39

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[QUOTE=Chrys Henderson;457904]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.[/QUOTE]

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:[LIST=1]

  • She was available for me at any time for questions, updates, or concerns.
  • That I would receive regular, detailed assessments of my account and the actions taken.
  • 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.
  • 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:[LIST=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.
  • 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.
  • 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.
  • 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. :D
    • 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


  • Submitted by Cool Bubba on Tue, 09/22/2009 - 21:10

    Cool Bubba

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    Quote:

    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.
    That goes for *any* credit repair firm, or debt relief firm for that matter. This site will give you pointers. The Federal Trade Commission site will give you pointers. There are consumer advocate blogs all over the internet that will give you pointers. The Fair Isaac (myFICO) website gives you a *lot* of pointers. The websites of the credit bureaus themselves give you pointers. And most of those pointers come with sample letter templates for disputes, etc.


    Submitted by Chrys Henderson on Wed, 09/23/2009 - 00:24

    Chrys Henderson

    ( Posts: 2538 | Credits: )


    Meaning RMCN...this is a scam. I worked there as an agent and they charge you whatever amount they want. Agents are incouraged to "up" the price as this is how you get paid. The amount you are charged has absolutley nothing to do with the amount of debt you owe. It is based on sales quotas.


    Submitted by on Thu, 12/10/2009 - 12:43

    ( Posts: 202330 | Credits: )


    Im glad I came to this site and read all the information you guys put on here becasue I just left them a message to contact me but I will decline the offer when they call. I have read the ripoff reports on lexington law firm and they are no good as well. Does anyone know a really good company to repair my credit seems like they all ripping people off. I know of a good consolidation company but I need a repair to make my score go up quickly.


    Submitted by on Sun, 12/13/2009 - 18:30

    ( Posts: 202330 | Credits: )


    :(WOW!!! Now I just sign up today with this company RMCN, everything was done over the phone, no money want not giving up front. The rep name was Kevin asking price was $750.00 I wish I have done my home work first they was referred, I kind of felt something was wrong about the conversation. Now I am wondering is it to late for me to switch company after hearing all of the "DO NOT USE THIS COMPANY"


    Submitted by on Fri, 01/08/2010 - 18:24

    ( Posts: 202330 | Credits: )


    Quote:

    Originally Posted by Anonymous
    I was going to sign up with Repair My Credit Now (RMCN) my BFF used them and said she was charged about $600 or so for the service. When I contacted them, the lasdy representative was very nice and understanding, but when she started talking about a $800.00 up front payment and then $99.00 a month for a minimum of 6 months I started calculating . . . $800 + $600.00= $1400.00, which is 1/4 the cost to JUST PAY OFF the items I was disputing or were negative!!! I signed up for Lexington Law Group/Firm and it is $99.00 and $59.00 a month for the level of service I wanted. I haven't even paid the $99.00 start up fee yet, but they have already begun to challenge 8 items on two credit reports.



    RMCN charges up front fees...guess what?? that's against Federal Law: http://www.bbb.org/us/article/credit-repair-fraud-proliferates-323 It is against the law, and a HUGE RED FLAG to charge for credit repair services up-front before redendering any service. The BBB also lists this company with an "F" rating, they have 22 unresolved complaints against them for things ranging from deceptive/high-pressure sales tactics, to failing to render services.

    I would use that other firm that charged $99 a month and began services after the agreement was signed. FYI, I spoke to an RMCN guy who claimed he wasn't a sales guy (what BS-that's all I got was a high pressure sales pitch on the phone-which I didn't bite), and in talking to him, he even admitted that everything they do you can do yourself, it just takes a little longer (like an extra 3-4 months), but you must be diligent and organized, so youdon't miss re-disputing, etc. Don't fall for the high price, do this stuff yourself.


    Submitted by on Wed, 01/27/2010 - 04:02

    ( Posts: 202330 | Credits: )


    Quote:

    Originally Posted by Anonymous
    :(WOW!!! Now I just sign up today with this company RMCN, everything was done over the phone, no money want not giving up front. The rep name was Kevin asking price was $750.00 I wish I have done my home work first they was referred, I kind of felt something was wrong about the conversation. Now I am wondering is it to late for me to switch company after hearing all of the "DO NOT USE THIS COMPANY"


    That link I just posted from the Better Business Bureau, states a few things that seem to be repeating in this forum: Charging up-front for services (illegal) and also that you can legally cancel your contract in the first 3 days. http://www.bbb.org/us/article/credit-repair-fraud-proliferates-323

    Just cancel service and do this yourself. When I spoke to RMCN, their rep was a bit too helpful (LOL) and said you can negotiate with your creditors to reduce the payment, you can pay the settlement and negotiate with them to remove the entries (removing legitimate entries is up to the creditor), and even dispute items that are invalid yourself. Save the $1500-$2000 and use it to pay the settlements yourself, and it will take you an extra 2-3 months, but if you're organized and stay on top of the deadlines, you can save yourself the hassle of this overpriced outfit. Don't get ripped off, do the work yourself.


    Submitted by on Wed, 01/27/2010 - 04:06

    ( Posts: 202330 | Credits: )


    i recently signed up with RMCN company and it hasnt even been a week yet and i called to cancel after my ex stole everything i had from my account. the intial start up fee was "$800" based on the amount of items that needed to be removed plus $109 a month for the next 6months. I called 3 days after and on the fourth day still no response..apparently the representative Linda Moore was out sick..I was scheduled to have $500 dollars removed first and the other $ 300 the following week. the 5oo hadnt cleared yet and i was trying to call to stop the payment until I was able to get things situated with my bank..i spoke to Linda moore who told me there was nothing they could do..the 5oo had cleared from my account the very next morning she returned to work after being out ill. i asked for a refund because i couldnt aford the service now..she still insisted there was nothing she could do..after speaking with the higher supervisor in charge he to told me they couldnt refund my money and the 300 dollars would still come out of my account..i asked if i could pay for whatever it was they have done with my credit in the past 4 days and he declined telling me i can cancel after payng the entire 800 dollars first..when i asked him what exactly they have done to help me in the past 4 days that was worth that extreme amount of money...not even the supervisor could tell me exactly what has been done..he just kept repeating well you came to us because you need your credit fixed and after a very long conversation and no proof that they even started fixing my credit yet...they straight out told me im not able to get my money back and they would still take out the remaining 300 dollars from my account...afer reading several entries they told me my fees were based on the amount of credit i need fixing..it looks to me like everyone starts out with $800 plus amount to start...do we all have the exact amount of credit that needs to be fixed or are they LIARS!!! and try to sucker everyone out of $800 plus to get started..DO NOT GO TO THIS COMPANY THEY WILL NOT WORK WITH YOU, THEY ARE LIARS, AND THEY WILL DRAIN YOU FOR EVERY LAST DROP!!! CALL DSI credit repair service they can do exactly what these idiots claim to do for a one time fee of $267 and will work on your credit for an entire 6months with no additional hidden cost and no monthly fees....RMCN>>>>YOU SUCK!!! and you do not care about your clients like you claim you do!!!!!


    Submitted by on Fri, 03/26/2010 - 09:02

    ( Posts: 202330 | Credits: )


    Yep, same here! RMCN is a SCAM! They had no problem chargin my a start-up fee nor did they have any problem chargin me for their monthly fee but....all they did was sent a bunch of dispute letters to the collectors and that was it! almost $2000 for what? And my score is even worse than it was before I signed up with them! Their "individual approach" is a lie! The only time I would get any kind of response from the rep was if I emailed him 4-5 times. Towards the end of the so called "contract" I asked them to show me the difference between my original score and the final one so I could see what type of work they have done and they told me that they are not allowed to obtain a credit report! How can you be a CREDIT REPAIR company if you can't even obtain a credit report? I am planning on emailing my complaint to the CEO of the company and then if that does not get resolved then I am taking it to the BBB. People please DO NOT USE RMCN! IT's a SCAM!


    Submitted by on Wed, 04/07/2010 - 12:13

    ( Posts: 202330 | Credits: )


    I been using rmcn services and i been working with mr louis pujol i think so far is great i been getting a great costumer service. everytime i call i leave a message he will call me back if i write a email i get a answer right away. i will totally refer them to everybody. keep up the good work.

    thanks


    Submitted by on Mon, 06/14/2010 - 04:38

    ( Posts: 202330 | Credits: )


    Don't do it. I almost signed up with RMCN. My warning signs were:

    1) The start up fee of $1,017.00
    2) The monthly fee of $109
    3) The attempt to get me to sign a contract before reading it
    4) The repeated telephone calls when I would not immediately sign
    5) The company owner calling to convince me to sign up with RMCN
    6) The reviews from this website


    Submitted by on Mon, 09/06/2010 - 05:45

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    Cool Bubba is terribly misinformed. Sending not my account disputes will yield permanent point increases about 10% of the time, and rarely large ones. A one hundred point jump is substantial and can typically only be achieved through the use of the many laws set forth by the FTC and others to have the items legally removed. Get your facts together Redneck Bubba!!


    Submitted by on Tue, 09/28/2010 - 07:54

    ( Posts: 202330 | Credits: )


    Hi! I currently use RMCN and truly happy with their services. :D I signed up in October with Jason "Woody" Wood. My credit score at that time was in the upper 500s but I was unable to qualify for a mortgage loan because of defaulted student loans and slow payments. By December, RMCN had not only increased my credit by 50 points bringing me closer to my goal of the low 600s, but they were successful in having more than 75% of the negative stuff removed from all three credit bureaus.:D:D:D:D I had tried calling creditors to have them remove stuff from my credit to no avail. RMCN knows the secrets that most of us don't know in order to have stuff removed successfully (i.e. requesting proof via signed documents, is your name spelled correctly on the debt, etc,.). One of the most amazing thing was that RMCN had the defaulted student loans removed after the government stated that they don't remove defaulted student loans eventhough I had successfully participated in a rehabilitation program. Now the student loan shows in good standing, paid on time. This allowed me to place the loans in default while I finish my doctorate program.:D:D:D:D:D:D:D Since beginning the program, and this is only the last of January, RMCN has increased my credit score by another 30 points. That's 80 points in only 4 months. Of course there was an initial start up fee and a monthly payment but I feel it was more than worth it in my case. With their help, I not only qualified for the mortgage but my scores are continually increasing. Although my credit score is high enough to stop the service I am staying. As a matter of fact, if you stay with the service for 6 months, they will continue to work on your credit free of charge. Hopefully, in the next few months they can move me into the 700s. I utilized another service about 8 years ago, but RMCN out produces them. I know cause I'm a bit of a pack rat when it comes to keeping documents for 10 years minimum, and I had looked over the file from the other service. I have nothing but GREAT things to say about RMCN and hope you really think about using them. The staff has been great and accomodating and the service is unsurpassed. I am a witness to their effectiveness. Good Luck!!!


    Submitted by BabyPhill on Mon, 01/31/2011 - 04:37

    BabyPhill

    ( Posts: | Credits: )


    ;)yeah i had a friend who actually use Lexington Law firm, and yes the got her credit cleared but six months later she trid to get a house and all the things that were cleared off her credit were right back on there. With that being said she switched to RMCN and had immediate results and now a year later she has great credit and a house.


    Submitted by on Fri, 02/04/2011 - 10:15

    ( Posts: 202330 | Credits: )


    I just signed up with the lady name Lori Boyce. She educated me on how to increased my score over the phone and it's free of charged. I only have three negative data and bunch of inquiries that blemished my fico score. I think it's better for you to run your own credit report because you have a better visibility of what's going on to your credit file. Ms. Boyce is very helpful and we both analyzed what's going on with my credit report. She explained every detail to me about their processed. We both read the terms and agreement to ensure that I understand the whole program. She have me electronically signed, print and save the terms of agreement for my file. She spend a long hours on the phone to make sure that I understand everything. She also have me write it down and explained the fees and charges before she signed me up.

    So far my experience is very pleasant. I will keep you all posted when I see the first result.:D


    Regards to all.....


    Submitted by on Fri, 04/22/2011 - 00:43

    ( Posts: 202330 | Credits: )