Shape My Credit credit repair, CPN, santa clara California

Why anybody would get into this business I just don't know!  My average client has two bad experiences before they hire us to do work for them. They are nervous and more than likely unrealistic just to begin with. In this case with this gentleman there was nothing that would make him happy. I know communication is important but sometimes there is a delay in communication due to the fact that we have alot of customers and information to gather. This client never complained about not having his work done but had issues with an immediate response and did not give us adequate time to respond before he posted his nervous comments. Like I told this client, If he removes his negative comments and ads on this posting site I will deliver his finished product. If I give it to him without having it removed it will never go away! But it is probably unlikely to happen because it will cost him over $800.00. What a shame this site is....Writing on the bathroom wall! 

hello, once again. i still have not recieved my product/service as promised. its been over a month, i havent recieved an email or anything from this company. not even a phone call regarding anything. i still dont recomend this company to anyone.

actually, he said 7 days and if it was a delay why dont you comunicate and tell me it was a delay. if this is soooo honest why dont you pick up the phone and say "hey something happened" why do i have to call 100 times for an answer.. and who are you, his friend??

I think you're probably paranoid person.
No one is saying that someone did scam on him after 10 days you do not think it's too early?
and before you do some thing like that look on the website there is samting call terms of use 

"I understand that while most account(s) are created and setup within 7-14 DAYS  I understand the process may take as long as 30 business days."

As a business owner I think sometimes you are quick to say things and you do not realize the damage you are doing.
Sometimes there is a delay?, Sometimes missing data? And can be further problems but not sure that a person is doing a RIPOFF.

And from what I read here I see that Jon is right,  only 10 days after Carl writes a negative post and not real Why give him the product after he wrote that? if it was me I will go to court suing for Carl for libel.

We are not a credit repair or credit restoration company. We simply do not believe in it. The only way you can fix bad credit is to not use your credit, let it age, and fall off naturally with time. Then, and only then can you merge the profiles together to tell the true credit story. We are not a quick fix, we are a solution!

why do i have to wait to get what i paid for..like i said if u would of provided what i paid for we would not of went this far. now all of a sudden your holding my product hostage because of what????why dont you give me what i paid for???its that simple!!!!!!!i paid for this so give me my product or a full refund!!!!! i think that is fair..

As the owner of this service company, we choose to set forth rules and guidelines that work for our company. Did you know that everytime we extend credit to somebody with poor credit that we do not get paid? Do you think that a person with poor credit has the right to demand that we finance them? the answer is NO. We don't and we won't. We have a fair model that is broken into 2 phases. It is pay as you go...We don't collect money and you always have something to show for what you paid for. People with poor credit have bad habits. Even given a second chance for credit and financing most of these people still blow it! We provide a nice service that is well inside the boundaries of the law. I find that this site tries to bully and scare people. Our customers have all gotten what they paid for. As to the gentleman by the name of Carl who filed the report....He is finished and can have his CPN number when the report is removed.

 I actually applaud you for responding to this complaint.

You actually didn't deny taking money in advance, so if you in fact did take money BEFORE the work was completed..YOU are in violation of the Federal Credit Repair Organization Act.    Where any one who has given you money in advance may have the right to file a civil action against you in court. 

So as a piece of advise if you are going to continue in this line of business you better familarize yourself with that act before somone(or the FTC) comes after you.

If you have any doubts you can go directly to the link below

http://www.ftc.gov/os/statutes/croa/croa.shtm

if that is redacted just put "FTC CROA" in any search engine and the link from the FTC should be the first one that shows up.  In particular look at

Section 403(3)(i) that states basically 

"The term 'credit repair organization'--(A) means any person who uses any instrumentality of interstate commerce or the mails to sell, provide, or perform (or represent that such person can or will sell, provide, or perform) any service, in return for the payment of money or other valuable consideration, for the express or implied purpose of--  (i) improving any consumer's credit record, credit history, or credit rating"

And Section 404(4)(b) - Prohibited Practices..which states

(b) Payment in Advance.--No credit repair organization may charge or receive any money or other valuable consideration for the performance of any service which the credit repair organization has agreed to perform or any consumer before such service is fully performed.

Now to dewain...please do your research as well on the FCRO..and if this person is in violation..exercise your rights.

Very nice! I was reported to this Rippoff site in the middle of finishing this clients work...Nice! Doing this work takes a great effort and sometimes does not happen in a weeks time. The average person I encounter already has two bad experiences before I finish them satisfactorily. Please do me a favor....If you are one of these people who have had a number of bad experiences and cannot establish a level of trust, please do not call me! Please find and work with somebody else!!!

I WAS TOLD BY THIS GUY THAT HE WILL NOT COMPLETE MY CREDIT FILE UNTIL I DELETE THIS REPORT. I FEEL LIKE THIS, IF HE WOULD OF DONE MY REPORT IN THE FIRST PLACE THIS WOUDLNOT OF HAPPENED, I WOULD OF BEEN HAPPY AND THIS REPORT WOULD NOT HAVE BEEN CRETED, ALL OF A SUDDEN HE IS TRYING TO CRY FOR MERCY BECAUSE HE IS LOOSING COSTOMERS.

 There is something you need to look up called the Federal Credit Repair Organizations Act(FCROA).  This is guidelines and regulations that a person/company must follow if they are in the business of "Credit Repair".

The biggest provision of this act is that they are forbidden from taking any fee up front.  The only time they can take a fee is AFTER the work is performed. 

If they violate this act not only can the be liable for actual damages(including but may not be limited to refunding your money), but punitive damages that can be set by the judge as well as court and attorney fees.  Next they may be subject to administrative action by the Federal Trade Commission which at the very least could shut him down.

So it may be to your advantage to look up the FCROA and possibly consult an attorney.  At the very least you can bring this up with him and offer him a comprimise.  In that he either refunds your money ASAP or you go forward with your suit and contacing the FTC.