• Report: #223580
Complaint Review:

CSA Credit Solutionsof America

  • Submitted: Sun, December 03, 2006
  • Updated: Sun, December 03, 2006

  • Reported By:Upland California
CSA Credit Solutionsof America
15601Dallas Parkway, Ste 700 Addison, Texas U.S.A.

CSA Credit Solutions Of America This company's program destroys your credit rating! Addison Texas
*UPDATE ...Rip-off Report Investigation: Credit Solutions of America pledges to resolve complaints. Commitment to Customer Satisfaction Program. Consumers can feel confident & secure when doing business with Credit Solutions - Assisting clients by reducing unsecured debt - debt free in 3 years or less.

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I have no idea whether their 36-month program will actually leave you debt-free, as it claims to do, but it does destroy your credit with lightning speed. You cannot just stop paying your credit card bills, even though the Credit Solutions sales representative assured us that it would only "slightly affect" our credit. Slightly? After four months, no landlord would touch us and we were almost out on the street! We were labelled "headed for bankruptcy", since our credit score dropped more than 100 points and we were delinquent on four accounts.

So... if you have absolutely NO need for anybody to check your credit for the next four-five years, go ahead and give it a try. If not, stay away! We are lucky to have a roof over our heads - a friendly realtor managed to persuade our landlord to lease to us with a $3605 deposit (on a $600 a month apartment).

In the end, we settled with the credit card companies ourselves, and we hope to have our credit score back to an acceptable level in less than a year. But we are lucky, since we recently had a very large increase in salary and benefits and are therefore in a position to solve our financial difficulties.

By the way - apart from your credit score taking a nose dive, your credit card debt sores when you take Credit Solution's advice and stop paying your bills - 35% interest and late payment fees do tend to add up. Another thing they do not tell you about.

Upland, California

This report was posted on Ripoff Report on 12/03/2006 05:45 PM and is a permanent record located here: http://www.ripoffreport.com/reports/csa-credit-solutionsof-america/addison-texas-75001/csa-credit-solutions-of-america-this-companys-program-destroys-your-credit-rating-addiso-223580. The posting time indicated is Arizona local time. Arizona does not observe daylight savings so the post time may be Mountain or Pacific depending on the time of year.

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