• Report: #444562
Complaint Review:

RMCN Inc., Repair My Credit Now.com

  • Submitted: Fri, April 17, 2009
  • Updated: Fri, May 02, 2014

  • Reported By:Bothell Washington
RMCN Inc., Repair My Credit Now.com
1611 Wilmeth Road, Suite B, McKinney, Texas U.S.A.

RMCN Inc., Repair My Credit Now.com Credit Repair Services McKinney Texas

*General Comment: Poor BBB Rating

*Consumer Comment: Great results! A jewel in a usually shady industry!

*Consumer Comment: RMCN is one of the Good Guys!! They helped me 704 FICO

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After signing up with RMCN about 8 months ago and paying $800 in start up costs and $99 per month for six months, I've found this service to be the worst rip-off I have ever gotten myself involved in. Not only is the follow up non existent once they have your money, but I am still struggling to fix the issues they caused.

I have emailed and called several times to both my rep and his manager, and never once heard back from the manager, and my rep has been unable to fix the issues. Going in to this program, I could access my own credit reports. Now, I can't even do that, because since entering the program, somehow my social security number is now incorrect on one of the bureaus!

I don't know what, if anything, has actually been fixed, but what I do know is that they have caused a new issue that is preventing me from looking at my own report to see what I spent all that money on. After shopping rates in the area, I've found that there are several companies offering the same service, but with much more helpful and friendly associates, for between $100-$200 in start up cost and $50 per month. After filing a dispute with my bank about not receiving the services I paid for with this company, I have found that they are great at taking your money, but as un-responsive when you ask for it back as they are when you want to see some form of result.

Bothell, Washington

This report was posted on Ripoff Report on 04/17/2009 04:57 PM and is a permanent record located here: http://www.ripoffreport.com/reports/rmcn-inc-repair-my-credit-nowcom/mckinney-texas-75069/rmcn-inc-repair-my-credit-nowcom-credit-repair-services-mckinney-texas-444562. 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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#1 General Comment

Poor BBB Rating

AUTHOR: Rusty - ()

The 'rebuttals' to this report seem too much like advertisements to be taken seriously in my opinion. 

I looked up RMCN on the Better Buisiness Bureau site and the are not accredited. They also have a score of F on a scale of A to F. Additionally, according to the North Texas BBB, they have a Federal Government action against them.

Among the charges are "making false statements to credit bureaus about information in consumers' credit reports, and illegally collecting fees from consumers before performing any services and violation of the Credit Repair Organizations Act."

Source: bbb.org/dallas/business-reviews/credit-repair-services-advance-fee/rmcn-credit-services-in-mckinney-tx-90010052#

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#2 Consumer Comment

Great results! A jewel in a usually shady industry!

AUTHOR: Flashredd - (U.S.A.)

RMCN was a God send in an industry usually known to be full of rip off artists and fly by night companies! I used their company not only for myself, but then set my wife up on their system, and then recommended it to all of my friends and family. I had some blemishes on my credit the result of relocation and frivolous collection processes AND some irronious information. Mt credit score went from below 500 to almost 700 in just over 4 months! Additionally, I was working dilliently to get a job that required a good credit report. I was initially turned down because of information on my report. After hiring RMCN and following their directions TO THE LETTER, not only did I get my job, but a world of positive financial options came available to me. I am currently working with my brother to get him through the program because he too is trying to get a job that requires a good credit rating. Yes, there is litigation currently pending because of how they assessed their fees, and it was a little pricy. The suit is about how they collected their payment, not anything about their services provided. It was pricey for both me and my wife, but worth every last cent and I recommend them to everyone! You must follow their directions explicitly! But it was worth it! I am getting ready to call them again to see if there is anything else I can do for more score boost. Too many people think that you just pay someone and that your part is over. This is where people mess up. A failure in the system is not the company's fault, it's the customers most time. Also, it is illegal to remove accurate information from a credit report, so if that is what you are trying to do, you are going to be disappointed. The total package including the $99 per month fee cost me almost $1300, but in the first two months removed almost $7,000 worth of incorrectly reported debts by collectors. AND I got my job. I recommend RMCN to everyone!
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#3 Consumer Comment

RMCN is one of the Good Guys!! They helped me 704 FICO

AUTHOR: rll1171 - (United States of America)

I used RMCN and I had the greatest experience ever. I was down in the dumps, credit jcked up. I had a 415 FICO. I used RMCN for 2 years and had deletions, corrections, etc... My score when I was done with them increased to a 705 FICO.

I personally had the beest customer ervice and care as a patron of this agency. The only way I can see anyone not getting resulys with them is if you do not follow the program. Yes, it cost a grip to get started and to continuee, but the end results in my opinion were amazing. It was unheard of to move up in score like I did. If you are not sending in all the documents in a timely manner you wont get the results you desire. I was on top of my game with them and saww immediatte results.

Lastly, the customer service was impecable. Even though laws prevent them from operating in GA because of laws passed, they still said I can call them anytime if I need some direction.They nevr once promised me instant results, but they were VERY professional and communicated constantly.

I personally wout recommed RMCN. There are a few good guys out there and they definitely are one of them; that does not mean they are perfect. They really helped me! It was worth the money.

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