Thursday, May 21, 2015. I am just 3 days shy of being in the program 2 months and have invested $500 thus far. The jury is still out and I am still a bit skeptical. These are my concerns.
The first person assigned to help me was Jasmine but there wasn't any contact. I was reassigned to a young lady named Charity, once we actually talked she appeared to be very helpful and explained the process. I was supposed to send some documents and there was supposed to be a follow up call that didn't happen. I got busy and didn't get a chance to send them. Charity reached out, but I wasn't able to call during regular business hours due to change in my schedule. However when I returned her call, I was told she was on a leave of absence (I believed she told me she was expecting). This is where it gets interesting.
The person who informed me that Charity was on leave, told me that Charity received those documents I never sent. So she either lied because she was trying to get me off the phone or she was mistaken. She also told me that my file was reassigned to another woman. I can't recall her name but needless to say she never contacted me.
I called today, and spoke a guy named Sean. He was very polite and answered all of my questions. He also told me that they were still in need of those documents, I didn't send. (if he had told me that they received them I would have shut it down.) He told me that my scores elevated from 563-656 Equifax, 565-627 Experience, 531-562 Trans Union over the past two months. Now I don't know if its because of them or because I have been making a conscious effort to pay everything on time and increased the number of trade lines, I had. When I started this process, I had low scores due to little or no real credit history. There are/were some items on my report that are not mine and a few collections. Sean said some things were removed, exactly what, I failed to ask. He also said there were still several things that needed to be addressed. I was able to view my credit scores on privacyguard.com and they appear to have gone up. I haven't reviewed the actual report just the scores. I do know that even with acceptable scores my debt ratio still needs to be low. My greatest expense is rent and that's why I'm trying to buy a home. My other monthly expense is for my vehicle. I don't have credit card debt, but a few collections.
I can't really determine if its working or not, but my scores appear to have gone up a good bit. Keep in mind that I didn't have a lot of delinquencies on my report to start. Starting next month, I am supposed to start the application process. We'll see what happens next. I'm due for another payment on the 2nd. If you read my previous review, you know I can be wasteful in my spending. I am willing to risk at least one more payment, if it yields results. I too thought that the positive reviews were done by employees as BrandiBurbank suggests. This is not intended to confirm or dispute their legitimacy or credibility, but to document my experience step by step, if it will help someone else. So far the jury is still out. I will update the end of next month/