On September 14, 2011 I signed up with a company called Accurise (A Credit Repair Company) their fee was 59.99 for a full credit report which they claimed was far more accurate then the free credit reports on line. Thinking this to be true, I went ahead and authorized the $59.00 (I think they took my money and treated everyone to lunch). Anyway, two days later, they called me and told me I had 38 negative items on my report and that my credit score was below 500. They reassured me that after 60 days my score would increase to 600.
Their fee for such services was $400.00 plus $89.00 maintenance fee after 60 days. I should have hung up the phone, but instead the desperate idiot in me kicked in and signed up with the hopes of my credit being fixed. However, contrary to what I was told, I have yet to receive any increase on my credit score, nor any deletions of the 38 negative items. It is now February 27, 2012 and my score is the same as when I first signed up and the items on my credit report remain at 38.
When I voice my many opinions and dispute with the company the lack of service I am receiving, they continue to neglect my calls and when I do receive a call back, its the same storythey are working on it, oh and its never the same representative, so be prepared to repeat your story numerous times. Moreover, to add insult to injury and for their lack of keeping up with their promises, I was just billed $178 for the maintenance fee I am refusing to pay for the month of January and February, as I dont feel I should be billed if NOTHING was done. But as I was told, failure to pay these maintenance fees, will result in my account being closed and resumed once paid.
Not only are they NOT refunding me back my money, but they are attempting to debit $178.00 from my account for maintenance fee, would you believe the ball!! But their contract however states that failure to provide any deletions from my account within 6 months of service requires a full refund (its in black and white), they are however, changing their policy by stating that IF they delete one item from my report I would not be eligible for a full refund. So basically I paid almost $500.00 for one deletion that they cannot take credit for,
since I was the one who contacted the company Premier Bank, and settled with them by paying what I owe and having the negative item removed.. Now Accurise is harassing me for the maintenance fees associated with my account as they claim I owe them. This company clearly took full advantage of me, as I believed the crap they were feeding me, since I saw nothing negative on the intranet pertaining to this company I went ahead and gave them everything but the keys to my house. Please stay away from accurise. As we speak I am seeking the help of an attorney to regain the lost funds.