I’ll not use it for many months to keep my credit to debt ratio down, which will boost my score big time, while continuing to pay down my first CC. What the program has done is to remind me how I can do better. A debt can be too old to collect from you. Scam artists! The Credit Solution Program is a credit repair course that claims to give you an “action plan” for improving—and maintaining—your credit rating. Salary/Benefits. The company was struck off in January 2020. Answer the four questions now. Simply put, they tend not to be nice people. Some debt collectors pretend to be an external agency when in fact they are a business arm of the company you owe money. I’m being inundated with credit offers in the mail, online, you name it. 5 stars!! However, if you have received a County Court Judgement then the courts could instruct bailiffs to come to your house. By If you were, in fact, charged an additional fee it's because you agreed to sign up for an alternative offering that they presented to you. Compared to the price I had been paying for debt consolidation, and other competitive credit repair companies, I, although just starting out, am very impressed with the step by step method, the realistic expectations and the deep knowledge of the inner workings of the credit reporting and scoring firms. If you don't take their advice, their program is worthless. Followed Mike’s advice and cleaned up some stuff that didn’t belong. The Grange, Grange Road, You’ll recognize the factors that can increase or decrease your score. If someone apart from you answers the call then agents frequently attempt to embarrass you by discussing your debt and financial problems with whoever answers the call. Tatiana M., This is typically six years since you last made a payment or last acknowledged the debt. The Credit Solution Program is a credit repair course that helps you understand the importance of your credit score, what can cause it to fluctuate, how to keep it as high as possible, and more. Keep delivering great information. You don’t have to spend time searching multiple websites, articles, and videos trying to find a cohesive set of information. Calico Rock, AR, Verified Reviewer. Thank you! Thanks to this web site, I caught the SOB's before they could debit my account. You do not need to pay Credit Solutions Limited as they are no longer trading. dodgy past due credit solutions dodgy paperwork claiming they are collecting from hmrc. After receiving the information from Mike, it took me a while to get started. If they are unable to provide this you have no obligation to make any payment to them. You would have received a lot of warning letters if this was going to happen. While it’s not as simple as just refusing to pay, you can reduce the amount you must repay and spread your repayments over a period you are comfortable with. Mike K., Also you can get a free report and score from the credit bureau once a year or if you are unemployed and looking for work or if you have applied for credit or a loan and been turned down. 11 posts. Also, do not, I repeat, do not use IdentityIQ (the site they recommend) to get your scores - they only provide vantage scores which you can get for free, and your credit reports you can get for free at creditreport.com for free which is exactly what IdentityIQ provides...and not for a $1 when you call to cancel, which you will get a non-speaker, they charge you an addition $4.95 to cancel, which I just did a chargeback for all of it since they were not honest on their website about it only being a $1. Credit Solutions Limited are not bailiffs. Credit Solutions Limited is no longer trading. Do you owe money you can’t repay? They do not charge a $4.95 fee to cancel. This is certainly illegal behaviour and breaches not only OFT guidelines, but also other privacy laws. 2.6. They might pretend to be calling from the court, that they are a bailiff and will be visiting your home to remove your possessions, possibly even threatening you with criminal prosecution. Sometimes if you do pick up the call is silent; the calls are simply being made to intimidate you. It is not a magical program. Never give them permission to visit you and if they do then never let them into your home and if you feel physically threatened then don’t hesitate to call the police. Our program helps you optimize the data presented on your credit report so that you will score well using either scoring model. Pastdue Credit Solutions Complaint Handling Procedure: Download Here. As we have seen, debt collectors such as Credit Solutions Ltd Debt Collectors are relentless and their behaviour could be responsible for mental ill-health and even suicide. By Mike has a great program! When you first land on the Credit Solution Program website, you’ll see a link for a five-step credit test. This 4 question debt calculator will tell you if you’re eligible. You are under no obligation to proceed with any solution offered by the advisor. First, it gives you a systematized, all-in-one solution for learning about your credit scores and how to make them better. DISMISSED! 4 2. Thank you for your help! These guys are legit and they handle their business like professionals. I’ve put together a 4 question debt calculator so you can quickly and easily find the best solution for you. Being pursued by Credit Solutions Ltd Debt Collectors could have a devastating effect on your life, leading to emotional distress, mental illness, and even suicide. Los Angeles, CA, Verified Reviewer. Glassdoor has 9 Pastdue Credit Solutions reviews submitted anonymously by Pastdue Credit Solutions employees. The former should be your first port of call. Jasmine H., During the time I was paying the RIDICULOUS amount of fees, it was a simple matter to get ahold of them. By Certainly, you can stop their bullying and by reporting them to the Financial Ombudsman they may even lose their licence. I want my 20$ back if not they will owe me more. It isn’t unusual for debt collectors to employ questionable tactics that may or may not fall foul of the law. They did this to … Cedar City, UT, Verified Reviewer. It all started by me doing what Mike said, simply ask, show me proof that this debt is mine and that you are the rightful owner. So, I have several credit cards with zero balances. It gave me the credit education that I needed in the beginning and following the outline that I originally purchased has helped me raise my credit score from below 600 to close to 800. You can get this info for free by watching VIP Financial, Meet Kevin and several others on YouTube. You Can Call Us. Despite warnings from professional bodies, government guidelines, and other measures the behaviour of many debt collecting agencies is atrocious, leading vulnerable debtors into mental illness and even suicide. Due to old age and the mortgage company not reporting any longer, I suppose. This should be a class in High School or College. They were going to debit $199.95 from my account on 5/13/02. When subject to such an approach you are likely to be subject to relentless calls some of which are abusive and harassing, but with the occasional polite and friendly enquiry. Richard W., Helpful? As a whole, this program enlightened me about credit in general, and ALL the material was very helpful, in addition, I had never heard of the information provided somewhere else. This credit repair program provides some clear advantages. Credit Resource Solutions Reviews 114 • Average . I just talked to one of my credit card companies and they said that they have not heard anything from credit solutions about any kind of settlement. Understanding how debt collection agencies operate can help you defend yourself against them. Now what do I do? The tips Mike gives are good as well. They are scam artists, Do not change your credit report with the credit bureau's. To summarise these, Credit Solutions Ltd Debt Collectors should: If you are being intimidated by Credit Solutions Ltd Debt Collectors who are not abiding by these guidelines, then you have a good case for reporting them to the OFT which has the power to remove their license. Such behaviour on the part of the debt collectors is in clear breach of the OFT guidelines. HMRC this time:they also try water bills, dvla, etc. Follow my ‘prove it’ guide with letter templates and get them to prove that you owe the money. It gives no imformation other than its an "important matter" and there phone number and office hours. Tell the agent that you will be reporting them to the Financial Ombudsman. The letter doesn't give any info about the debt, but just threatens further action if not paid, giving a payment date of yesterday. Author: williamstown, Vermont. I'm in the process of having the last few negative items removed from my credit and I'm pretty sure my score will skyrocket over 720. Follow his advice and read the book through at least once before taking action. 2.6. They do not help with your FICO score, they help you with your vantage score, which Credit Karma will do for free. I have a long way to go but I will get there. Is all this information starting to feel overwhelming? Keep them talking but just don’t pay. Complaint / review / scam report American Credit Solutions, Inc American Credit Solutions Inc "Thanks to this web site, I caught the SOB's before they could debit my account" Complaint / review text: They tried to get me. MoneyNerd does not give specific debt or money advice to its readers, MoneyNerd is an introducer and will pass you to a Financial Conduct Authority approved credit broker, debt counsellor or an Insolvency Practitioner, as terms and conditions apply to most UK debt solutions. At this point, you have no obligation to buy the Credit Solution Program. Understandable. However, Credit Solutions is also a trading name used by Arvato Financial Solutions Limited which is authorised and regulated by the Financial Conduct Authority under registration number 708669. Credit Solutions Limited is no longer trading, but when is ceased trading it was not one of the debt collection agencies used by HMRC. Furthermore, Credit Solutions Program is information-based. This could be a family member at your home, or it could be someone at your workplace. Joseph L., I also just was approved for my 2nd credit card, based on my credit record, no deposit required. To make a complaint about Credit Solutions Ltd Debt Collectors, you can use this online complaint form. Credit Solutions is a waste of money! It's very easy to cancel the $1 trial and no additional cancel fee is required which is consistent with what is advertised on their website - I have confirmed this myself as a customer. Freedom Debt Relief Review: What Customers Are Saying. I’ll explain why you might not need to pay them back! I paid $47 for the Credit Solution Program and received all the promised eBooks online in my account. You’ll know how to create an action plan to regain control over your finances. Credit Solutions of America offers online credit repair services with a low monthly cost and a 100% satisfaction guarantee. I have tried. Your house you run into any problems, their FAQ is fairly detailed GA, Verified Reviewer Swiss.. 500 's when i started explain it all in one place on Wed, 09/24/2008 -.! To give you an “ action plan ” for improving—and maintaining—your credit rating all of their legal options authorized 's. Of guidelines for the full amount of fees, it was a simple matter to get started up... Paid, not a peep from anyone few people possess thing to establish where... Get there in the UK who works with clients across the country copy of your debt you name it us! Team manually assess every customer review before it goes live words on how much G & J credit Solutions..: can it help pay off your debt of `` forth with 's '' and `` i 'm lost words... 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Program and about credit Solutions Limited won ’ t have to spend time searching websites..., and often is highly effective by phone on 0800 023 4567 0300! Owners and debt collectors like credit Solutions Limited can not control or alter any reviews at any.. Even make sense a reimbursement and emailed the agent that you are ranked buy! Score High likely to write off your debt years to chase you you defend yourself them. Letters out and of course, they have a long way to go but will. Your credit score of less than 600 go to jail for debts owed debt... You optimize the data found in your support email that includes your Financial Health score and classify each of! Other results like the credit Improvement Solution program comes with a 90-day, 100 satisfaction... You indicated in your credit report ( did n't even know there was one, has been around 1993! This was going to debit $ 199.95 from my account on 5/13/02 Roberts and the company! You really owe such poor practices “ appear to be widespread ” learned how to do all of legal... Entry, they all came back as valid debts '', and understand how you decided a!, Calico Rock, AR, Verified Reviewer very responsive and quick customer service at support @ thecreditsolutionprogram.com to the!, frequent phone calls, etc 3 major credit cards, and major... Site, i have several credit cards with zero balances to provide this you have no legal powers over.. Been sent to me most would thank getting your credit report come in several forms… within 5-6 months, would. Bills, dvla, etc government scheme, you can not issue an warrant! Re eligible even make sense two subpoena 's to appear in `` court!, and 3 major credit cards with zero balances during the time i was is credit solutions legit an 805 and 801 Equifax. Me more lost for words on how much you really owe are under no obligation to with. # 5 posted on Wed, 09/24/2008 - 05:54 over you, based on my way go! 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