Clear Credit Overcharges, will dispute everything (even positive items) on your credit without your consent and refuse to refund Aliso Viejo California

i bought their service in march of this year and have yet to receive my report.. i called the beter business bureau and they tried to contact them.. they never responded.. a few days after the bbb called me the clearcredit team sent me an email that they would geting my report soon... since march i have been told 6 times by email and 10 times by phone that it would be the next day and i would have results..well... im still waiting...this company should not be allowed to run

As of 1/20/2004. My Clear Credit account has been closed but I've only received a refund in the amount of 39.95 for the almost $200.00 worth of charges. This company needs to be sued and put out of business.

A credit report obtained by a Mortgage Co does not necessarily hurt your credit. You are allowed a total of 3 inquiries in a 90 day period before it even affects your scores, and even then, depending on the amount of inquiries, it is not that much. Inquiries remain on your reports for a total of 2 years, but only the inquiries obtained in a 90 day period are actually disclosed to creditors.

Yes people can dispute inacurate and erroneous entries themselves with the credit bureaus who have 30 days to respond, even if it is with a letter stating that they are investigating the entries you are disputing. This allots them more time and can take up to a total of 90 days.

Not all credit disputing companies are alike. There are some good ones out there. How do I know? As a loan officer for a Mortgage brokerage I do credit disputing and debt negotiations for my clients as they either lack the time, knowledge and perserverance to undertake this task, or just plain don't want to. I draft the dispute letters, my clients proof them and sign them and they are sent to the entity necessary. My clients receive their results at their homes and must contact me when they get them. I wait for 90 days after all the results are in to pull a new credit report to ensure that all the information that has been disputed has been updated as stated in the results recieved and to monitor Fico score improvement. The only time a positive account is disputed is if my client tells me that this is definitely NOT their account and want it removed.

A person should very much steer clear of obtaining their reports from online as with past clients I have compared these reports to the ones the bureaus have to offer as well as those that we use in our Mortgage company and the online reports have so many discrepancies it is funny.

If you have been ripped off by a credit repair/disputing company you should contact the credit bureaus, Equifax, Trans Union and Experian, Consumer Affairs in your state and the state where the company is located, and the Dept. of Business and Industry. If anyone needs these addresses or suggestions, please feel free to respond to this thread or to the moderators here and they can contact me.