My wife and I were looking to buy our first home together. Our credit scores weren't the highest, and we were turned down by a couple banks. So we decided to do a search for mortgage loans for people with less than perfect credit, which is when we stumbled upon a website called FHA.org and entered all our information, almost immediately we got a phone call from a fellow named Clyde Bird (yeah right) who said he worked for a Credit repair company (yeah right) called Emmediate Credit Solutions. After talking to these people, you could definitely tell they were not professionals. However, it was too late they already had our debit card info & SS#. From there we immediately reported the card stolen, and canceled the card, but they acted quickly, and had already charged us 110.00 within minutes, after telling us that the funds would not be taken from our account for 3 days. (must have needed drug money) We called the number that was attached to the transaction to demand a refund. We spoke with Clyde Bird Boy, whom said that he would refund the money, and from there we got a couple harassing phone calls from supposively the big wig that runs show, but failed to give us his name. ( that must have been the "Lawyer" ex con we have been reading about. We repeatedly demanded a refund, and he kept skating around it, telling us that whom ever was financing us was breaking the law and he was adamant about reporting them, and getting them in trouble... blah blah blah.. etc etc etc.. However the loan we acquired is VERY legal, and they were just talking out of their a*s trying to intimidate us, b/c by this time, he was informed, that we were contacting the proper authority to report their fraudulent activities. Bottom line he was pissed because we weren't supporting his and whomever else's habits.... We stopped it, before it got to far, and alot of money was lost.... So we filled the necessary paper work out at our bank and they are pursuing this matter. THIS IS THE KICKER: During all this bogus bullshit, their fake paralegal, said she would send us a letter on intent, to give to our broker, so that we could put a bid on the house that we found and liked. However whom ever the professional was that sent the letter, failed to delete the name of the previous person they had just scammed. I have attached the letter in hopes that whomever this person is, reads this letter, and joins in reporting them, and hopefully doesn't get scammed for alot of money... See letter below....
Emmediate Credit Solutions
565 East 4500 South Suite A100
Murray, UT 84107
October 10, 2012
To Whom It May Concern:
Subject: Our clients credit report may be inaccurate and actions are being taken to repair these possible discrepancies.
Emmediate Credit Solutions (ECS) provides a service to consumers who have been a victim of misreported or inaccurate credit entries added to their Equifax, TransUnion, and/or Experian credit reports. These items are often a result of human error, identity theft, or inconsistent reporting by creditors, and can be disputed for review and removal according to 15 USC 1681i of the Fair Credit Reporting Act (FCRA).
Our client, [Raymond Davis], has expressed that some of the items appearing on their credit reports may be inaccurate or out of date. These items are currently under dispute and are forgoing the removal process. Please take this into consideration regarding any decisions made in which [Raymond Davis]s FICO score is a deciding factor.
Please feel free to contact our office with any questions regarding our services or our professional relationship with [Raymond Davis].
Emmediate Credit Solutions Paralegal Team