Texas Credit Restoration Alliance (TCRA) / National Credit Federation (NCF) TCRA / Larry Brumfield / dishonest sales practices / credit repair scam Horseshoe Bay Texas

Looks like this fraudster has been put out of business. His website (((Redacted))) is no longer operational. He may emerge as another entity. If so, I will shed light on this guy.

 CLICK here to see why Rip-off Report, as a matter of policy, deleted either a phone number, link or e-mail address from this Report.

Larry,

It's cut and dry how you are able to charge as a credit repair company, even if you are attempting to hide it under a membership fee.  $995 for a year of credit repair ... all paid upfront ... shame on you and your "company." 

http://www.ftc.gov/ro/chro/croa1.shtm
SEC. 2451. REGULATION OF CREDIT REPAIR ORGANIZATIONS.
SEC. 404. PROHIBITED PRACTICES.(6)

(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 for any consumer before such service is fully performed.

I look forward to them being put out of business. 

JD

""He required a full year membership fee to be paid up front
promising competent legal representation, and superior customer service.""

Please explain how requiring an up front fee is NOT a violation of the Credit Repair Organizations Act.

My name is Larry Brumfield, I was the CEO of Texas Credit Restoration Alliance. Texas Credit Restoration Alliance is not DBA National Credit Federation. I have been hired as the National Sales director for National Credit Federation in January 2009 after we transferred all of our members to National Credit federation. Brian became a member of our association TCRA in January 2007. He also became an agent for our company. He has failed to mention that in his complaint. He has a knowledge of our company procedures as he went through our extensive training that all of our agents were required. We are a membership based organization, that offers credit restoration for our members. In December 2008 We fired the attorney firm that was providing the services for our members and transferred all of our current members to National Credit Federation which was a totally different company than TCRA. We did that to provide better service for our members. They offered one of the only other ATTORNEY FACILITATED credit repair programs available. All of our members were notified of the change and were given the opportunity to fullfill their services through National Credit Federation. All of our members are very pleased with the service we chose to provide the remainder of their 1 Year memberships. Brian was mailed the transfer notices to transfer his account on Dec 28,2008. He contacted me in January of 2009 after his 1 year membership had expired. We agreed to extend his case 120 days at no charge with the National Credit Federation and their attorneys sent disputes out to all 3 credit bureaus on his behalf during that time frame. He is not satisfied with the results of those disputes, even though we make NO PROMISES to REMOVE 1 ITEM from our members credit reports, though it is unusual not to see results of somekind on each dispute, but sometimes the credit bureaus do verify an account is being reported derogatory that is accurate. We went above and beyond and he expects NCF to work on his case for free forever I guess. We offered to RENEW his $995.00 membership for another year for $249.00 which he refused and asked for a full refund. He says we demand a full payment upfront which is not true, he says we promised to remove items ...we do not make any promises as the law requires. He says we promise refunds and we DO refund our membership fee if we do not produce results in the first 90 days of the membership. Brian is not informing you that the attorney did remove items from his credit reports during his 1 year membership, as he personally admitted to me. The TCRA attorney also confirmed this as well.

Brian filed this same complaint with the Better Business Bureau in Austin Texas and they dismissed this as they felt his complaint had no merit. You are welcome to visit the TCRA website : www.scorefix.net and review our warranty and enrollment options we offered to see that Brian is making up allegations about our company. You may also visit National Credit Federation Website: www.nationalcreditfederation.com to see the company we chose to transfer all of our members to. In two years and thousands of members we have helped, Brian is the ONLY complaint we have ever been reported. We handled him fairly and offered a resolve to extend his case inwhich he refused. We can provide hundreds of updated credit reports and testimonials from our members to show we do produce results with our attorney process and do provide a quality service to our members nationwide.

If you would like to contact me personaly my phone number is 830-613-8665

Thank you for the opportunity to show our side of Brian's story

Sincerely


Larry Brumfield