Premier Solutions Today LLC Best Legal Credit Repair Credit Repair- You are better off doing it yourself Freehold, New Jersey

I want to be as fair as possible writing this review. The positive-I think Best Legal/Premier Solutions Today LLC has AMAZING customer service. Always quick to return calls and emails. The initial sales rep was very professional and well mannered. He advised me to dispute everything, even if it was legitimately my debt. I was suspicious at first, but now I understand  that disputing  does NOT mean you are saying that you dont owe the money. You are simply making sure the person that has put the negative information on your report lawfully has the right to collect  the money for that particular debt.

The negative- the actual service is more of a scam then legitimate. After 6 months of being with them, they were not able to remove any negative information off my credit report. When I tried to cancel around the 3 month point, they told me they felt they were making positive progress on my account and needed more time (and money) to START getting results. They proceeded to tell me that sometimes credit repair just takes time, which I was understanding of. They also reminded me of their money back guarantee, so I felt better continuing knowing worst case scenario, I could get my money back if it didn't work. During the 6 months, they kept sending me emails and  letters reminding me not to worry about the credit unions writing back saying my debt had been verified and could not be removed. That was all part of the process.  After 6 months of this, I had enough.

Their guarantee policy states that if you are not satisfied, that you will be entitled to a refund less the startup fee, as long as you have completed 6 months of continuous service. I would NOT bank on that. I completed all 6 payments on time. However, the first payment they ran didnt go through right away for some reason. They ran my card 3 times, and the fourth time it went through just fine. Maybe an error with their credit card processor perhaps, but not because of insufficient funds or any other fault of mine. Of course in their book, that disqualified me from the refund, since in their opinion, that constituted as missing a payment. I knew that the service was not working, and would have cancelled a lot sooner if I would have known ahead of time they would find a stupid reason to disqualify me from my 6 month refund. They even tried to tell me at that point that they DID in fact get something corrected, not deleted, for me on my report. Well thanks-corrections are not worth $69 a month. DELETIONS YES. Corrections, no. They offered for me to continue with the program at half price for the next 3 months since they were making progress. However, even at half price, I felt it was a waste of money so I declined.

So after going back and forth with management about how my $414 refund eligibility had been disqualified, I finally decided to give up. Not worth my time and energy. I wasnt even going to write a review honestly. Well, its been a little over a month since I cancelled with them, and I decided to take matters with my credit into my own hands. I did a few online disputes with Equifaxand guess what? Within a week, the disputes had been verified, and the items in question have been REMOVED off my credit. ONE WEEK, not 6 months.  I always realized I could do this process myself, just like how you can do your taxes yourself vs. paying a company. I chose to pay someone out of convenience. However, looking at my situation, if it was that easy for me to get something removed in a weeks time frame with no knowledge of this industry, there is NO excuse why Best legal/Premier could not get results faster. I hate to say it, but it seems like they slowed the process down quite a biton purpose.