Im disappointed to say Ken is right. Credit Jack scammed me too. I was fed the same bait/lies, and had the same game played on me.
I signed up in October. Justin convinced me they could help. He said it would take 3wks. The cost was $1500 but Justin told me at least $1000 was needed for the attorneys to file the paperwork. I was to send the $500 2wks later. I first became suspicious when I did not get a contract to sign after making the deposit. I mentioned the contract to Justin who said it would be emailed to me once the money has posted to my file.
After waiting two weeks, it was time for the final deposit. I still did not have the contract and decided before I made another deposit, I needed proof they were actually working on my file. Anything showing contact with the bureaus or copies of documents filed wouldve sufficed. When I asked Justin for documentation before I send the final deposit, he said he would get something to me. That was November 2012. To date, I have not recd anything. He asked me to set up an acct w/Credit Check Total and I did. I continued contacting Justin via text messaging, asking for documentation and other questions. He began telling me to email email@example.com or saying his assistant would call me, but they never did.
When I finally dialed the numbers listed on the website, Justin answered and said they were working on my file but that a document had to be re-done. I told him I still did not have the contract (it was now December 2012). He finally emailed the contract and as I read it, I noticed several items that concerned me. The contract term was for 2mths; they do not guarantee results; and they charge a 43% fee on past due accounts. Since I was withholding my $500 until I got proof they were doing anything, that alone stopped me in my tracks. Add to that, that we were already 3mths into it, and no there were no results guaranteed, and it was clear to see I needed some questions answered before I signed. I texted Justin that I needed his feedback. He didnt respond. After two weeks, I accepted the fact that I had been swindled. I texted Justin saying I give up. He became belligerent and using profanity over text messaging stating I was harassing him on Sunday. He stated I was lying about details and he would show my text messages to his staff. He said not to contact his personal cell again and to contact Jack for a refund and provided Jacks number. He called a few minutes afterward and stated his job was to process new sales only and I needed to contact support at credit jack for additional help. I explained I was not intending to harass him and that I didnt expect an immediate reply to my text since he hasnt replied to my texts lately, he told me to call back Monday when he was calm.
I decided not to. The damage was done. My prayer is someone will read these and not fall prey to them the way we have. The only glimmer of light in this is that I did not pay the full $1500. I intend to report to the BBB and I hope others will too.