Ok straight scoop

[busyone]

here................... I have a small business. A company out of Ca. tells me it can obtain

me business financing based on my high Paydex score and of course my personal

fico. I have 2 lates on my personal score, so for of course for a fee,if they can actually deliver,

they guarantee they can get rid of those lates permanent from my record.For a fee they can

get rid of the lates which of course ups my score and then with a higher score they can obtain

unsecured lines of credit. They take a % of what loc's they get you so it's worth it to them. So

they claim it's important to them to get the lates off and get the score up so they can get the LOC's.

   Any thoughts or comments on this?

[smallfry]

scam a jama

[Anonymous]

Scamalicious. Nothing you can't do yourself. They can't guarantee they'll get rid of the lates, and without a POA mailed to the CRAs, and plenty of proof of who you are along the way, they can't do jack in your name. The most they could do is dispute online, since that doesn't require any real "proof" that the disputer is actually YOU.. and disputing online is just about the most ineffective way of cleaning up your report that you can ever imagine.

Do they guarantee results? Will they allow you to sign a contract so you can sue them senseless if they fail to provide the promised results?

[Junejer]

busyone, I too have my own business and have seen those very same websites. While I wouldn't say it's a scam, I would say that there is no way that they can make the claims that they are. It might work some of the time (like throwing spaghetti against the wall), but all they are doing is disputing blindly.

That's not the way to clean a CR. GW the lates or PFD if a CA (DV first though).