In March of 2009 my boyfriend and I went to see Mr.Steve Scharf with Smart Solutions to help us with credit repair so we could raise his credit score to purchase a home. Mr. Scharf said he could help us , but it would cost $500.00. We paid him the money through 2 bank drafts over a 2 week period. At that time he claimed he would be able to repair my boyfriends credit report by removing all the negative student loan delinquencies within a 2 week period and all of the other negative items on his report would be removed with 30 days. All we would have to do is mail out the paperwork that Smart Solutions would compile for us and then wait for letters from the credit bureaus to make sure it had been removed.
Well, weeks went by with no reponse from Mr.Scharft or his company until I finally called and and his VP, Michael Hathman, answered my call who by the way is an extremely rude man. He told us we would have to bring or fax all the paperwork into their office. So we wait a few days a then go to their office.
When we got there Mr.Scharf starts rambling on about how this takes time and starts talking about other people's cases, which we could care less about. All we want him to do is do what he promised us in the beginning. Then he starts telling us we need to buyu this prepaid leagal thing every month or retain a lawyer for another $250.00 to have a letter sent and basically scare them into removing the negative items off his report.
At this point I am getting extremly aggravated and pissed off. How dare he tell us to do all this crap! I then ask him if he would provide us with at least 3 references of other clients he had completed credit repair services for. He just look at me dumbfounded and said we have plenty of people we have helped. I told him to prove it. All of a sudded his VP, Michael Hathman, starts screaming at me. I thought the man was going to attack me, I was scared to death. All over asking a question? He starts yelling telling us to get out of his office and them says he will sue us for slander and harrassment. How he would do that is questionable, as we did nothing wrong.
I them tell him we want our money back. So as we are walking out of his office I tell him we are contacting Fox 2 News, Elliot Davis, the you paid for it guy. Which I have written and called him since this happened. This makes him more irrate.
Since this has happened I have found out we are not the only ones who this compnay has try to take money from and not do what they say they are going to do. Our Agents lawyer has filled a petition with tState of Missouri for us to get our money back. Hopefully these people won't be able to do this to anyone else. I hope this ruins them!