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Report: #1428906

Complaint Review: Extreme Credit Solutions - Decatur Texas

  • Submitted: Mon, February 12, 2018
  • Updated: Sat, February 17, 2018
  • Reported By: Scammed by Billy Matthews — Decatur, TX Texas United States
  • Extreme Credit Solutions
    135 Horse Whisperer Court
    Decatur, Texas
    United States

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Where do I begin...This Scam Artist will have you believing he is really going ro repair your credit and post tradelines that never see the light of day.  There is no attorney he pays $850 to.  He steals your money and claims he only makes $50 off the file.  Lie #1...Then he claims that this imaginary attorney can fix a file within 6 mins.  Lie #2...You can order specific trade lines and he will give you much smaller ones or none at all.  Lie #3...He will make you feel he is doing you a favor by fixing your credit and after he takes your money, he becomes hard to catch and eventually won't take your calls.

If you've heard about him being at tournaments with his son or his dear poor mother being on life support in Oklahoma, or that the system is down and the bureaus close for two weeks at the end of the year for audit maintenance and that he has been sick and in the hospital and the list goes on....Then you've got the right Billy Matthews.

He is a Liar, Thief, and low down Con-Artist.  He has no good in him.  He takes people's hard earned money and produces no results or half results.  He must be stopped.  If you have been taken advantage of him, please contact the Attorney General of Texas and give him the following information:

Billy Matthews, (((redacted))), Decatur, TX 76234, Phone number# 972-552-4020...

Shout it from the Rooftop to Stay Away from this entire group.  He will bring you undue stress and hardship.  Ruin your reputation with your Clients and laugh all the way to the bank. 

Revenge is not the way to go about it but getting justice is the right way.  I wonder how much he'll be laughing when he's sitting in Federal prision for wire fraud, theft and many other charges that go along with his deception. 

DON'T waste time or money with him or any of the people mentioned.  If you're a victim, report him to the FEDERAL Authorities.  Keep all documentation and gather your witnesses and other victims.  He's not skating under the law as much as you think.  He is touchable through the eyes of the law.

Remember, they only get away if we sit back and do nothing.  Stop being victimized.  Who knows, the next headline you may read is"Billy Matthews and Gary Ragsdale and Tamara Ragsdale Indicted for Fraud and Theft"...

Speak it into existence.  Enough is enough, He MUST be stopped.  Thank you Extreme Credit Solutions, ECS Score Boosters, ECS Properties and the whole crooked organization.  You've taught me a valuable lesson and one I won't ever forget, but I will advise you this...Seek an attormey soon....You are going to be needing one  because one thing you didn't count on was meeting your match. 


Good Day ECS...  

This report was posted on Ripoff Report on 02/12/2018 08:32 PM and is a permanent record located here: 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. Ripoff Report has an exclusive license to this report. It may not be copied without the written permission of Ripoff Report. READ: Foreign websites steal our content

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Updates & Rebuttals


#1 UPDATE Employee

Trades Posted

AUTHOR: Billy - (United States)

Trades have posted all perssonal info redacted.  please add my attatchments as you have on previous post.  They DO NOT contain personal information

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#2 UPDATE Employee

Proof file 6 and counting

AUTHOR: Billy - (United States)

G Navarro  .  Three trades ordered and all three reporting open




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#3 UPDATE Employee

Trades posted as ordered open Hampton

AUTHOR: Billy - (United States)

Proof file.  All trades reported as ordered.

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#4 UPDATE Employee

Proof file #6 Navarro

AUTHOR: Billy - (United States)

Client ordered 3 trades all three trades have posted and posted open and on time.

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#5 UPDATE Employee

ECS Proof Positive #7 Eric

AUTHOR: Billy - (United States)

On this file you contracted us to clean his EQ only as his TU was clean.  However, we found 2 items on XP just like EQ so we hit that bureau for free.  Here is what the results were after round 1.  Remember, we can make no guarantees as to timeframe or results per the law which is clearly stated in our contract however, we do stay with each client for 6 full months or until their derogatory items have been removed. Results on Eric (Last name and personal info redacted to protect client): TU started clean, EQ had 2 late 2 collections(they happened to be same accts) both deleted, XP had the same 2 late colections and 1 was deleted 1 remained as of 1/14/18 but I have been unable to pull a new XP report to this point.       Have a nice day!

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#6 UPDATE Employee

Proof file 4 K. Hampton

AUTHOR: Billy - (United States)

Number 4 all lines POSTED and reporting open.  were happy to verify those lines are ours.  

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#7 Author of original report

True Information, False Services Provided

AUTHOR: Closure and Justice for those Clients Victimized by ECS - (United States)

The Attorney General I'm sure will welcome all of your documentation to prove you provided and completed ALL of the services you claim for ALL of your Clients.

That's exactly what the Clients want to hear and see.  We've been asking for that for far too long.  Closure with you and for you.

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#8 UPDATE Employee

False information

AUTHOR: Billy - (United States)

The information you have listed is false and NOT true.  We have contacted Rip off report and they are looking into WHO filed this,  We have to right by law to confront our accuser period.  Being that you wish to remain private we will get to the Bottom of it.  HOWEVER we know who you are no doubt,  I know you like to think we dont but we do.  

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#9 Author of original report

Billy Matthews Posting Clients Personal Credit Reports Online Unauthorized to Save Face. Wrong Clients with Wrong Reports


In a moment, General Public, you will probably see Billy Matthews post people's credit reports on here without their permission.  Please notify all your Clients that have done business with Billy, and verify these are your files.  You'll know by the initials at the top of the page and the credit information.

If you or your Clients have not given Billy Matthews or ECS permission to publicly display their information and use it for the purpose intended which is for Credit Repair, please contact the Attorney General.

The consumer has rights to be protected and as a Business Owner, Billy Matthews has no authortiy to use that personal information for any other purpose than what the Client paid for.

PLEASE DIRECT ALL YOUR CLIENTS TO THIS SITE TO SEE IF THEIR INFORMATION IS BEING PUBLICLY DISPLAYED.  Thank You Rip Off Report for allowing us victims to have a voice and shut down people like this.

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#10 Author of original report

Verified Sites Exposing ECS, Billy Matthews and the whole organiation

AUTHOR: ECS Exposed as Fraudsters - (United States)

Perfect Example of how they operate. Would you want to do business with a company that would put Clients personal information on a website without their permission.  And I'm not sure of whom you are speaking of but I'm another Client...LOL...That got ripped off by you.  Dang Billy, you're racking up the charges Buddy...My advice to you is slow down because exposing folks personal info without their permission is a sure-fire lawsuit you are welcoming.

You just told on yourself Again....You get sloppier and more transparent every time your respond. 

Oh and your partner...Garrys Ragsdale...Wasn't he the one that was charged with Child Porn showing victims being raped?  That's who you're in Business with....Very unethical.  Not Slander when it's true!!!

Let me give you some homework:  Go chase all these people and their websites below...I guess we are all LIARS huh!!! 

See link below for Billy Matthews Partner Garry Ragsdale sentenced for selling Porn tapes of victims being raped:

Here is a website that also is geared to ECS Properties and their scandolous ways.

You can win against them...Look at this lawsuit.

DUDE...Stop while you can.  Just admit it...You're a fraud. We all see and know it...You look even more stupid trying to defend yourself. You're a cooked goose...D O N E 



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#11 UPDATE Employee

I know 100% who you are!!!!!

AUTHOR: Billy - (United States)

Nice try and those reports filed are redacted as they should be.  Just enough information to prove the file was done.  Im not sitting back and letting you run us down.  And trust me yes I know your language and how you talk.  I know who you are for sure.  Just wait there ALL going to be on here shortly.  Im not sitting back and allowing this nonesense.  Not happenng.  

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#12 Author of original report

Wrong Person and Wrong Clients. Your Charges are Racking Up Billy. You're Batting a Thousand!!

AUTHOR: Mission Accomplished - (United States)

You are hilarious...You are showing other people's files that have nothing to do with me to prove you are doing work.  And you do you have the Clients permission to show those?  Probably not...U N E T H I C A L

And the general public doesn't care what you show them. They just see all the negative exposure your company has.  NEWSFLASH...ECS Image is already tarnished and was long before I started...So you need not worry about it becoming any further damaged.  You're already at the lowest point considering all the information I've already read about you and your partner and the scams you have ran on people.

I believe the general public is well aware of the services you provide and the customer service you give.  You've done a great job by exposing your customer's personal files without their permission or knowledge which constittutes a breach of privacy considering you gave an individual's name of who you think they may belong to.  Incorrectly I might add, but I'm sure when that person does find out, you'll have hell to pay the captain.


Good Job!!!  Mission Accomplished.  You just solidified your unethical practices you so arrogantly earned.  I'm Done Here!!! Permanently...No need to keep making you look like the fool you are...



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#13 UPDATE Employee

2nd proof file

AUTHOR: Billy - (United States)

Sorry i have a lot of proof files to load with this certain client,  This client  ordered 2 trades on a special package dated 12/04/2017,  there is two pic please refrence the DH at the top right hand corner of each pic.  Last name Handy and as always all personal information has been redacted,

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#14 UPDATE Employee

Wrong and Wrong

AUTHOR: Billy - (United States)

There is no file that we have had for five months.  We have cleaned all your files Leanne Turner.  We are in contact with rip off report as to WHY our before and afters were not posted.  All personal information was properly redacted however they still choose not to post it.  NO WORRIES we are in contact with them to get them corrected.  We will post every single  before and after on here. I will not let you smear our company when we have done a great job with these clients.  She knows i have the before and afters.  Shes very aware.  This lady is out of her mind.  She uses a google number and a very generic email address.  I have both her numbers.  We will not stand bye and allow this type of slander on us When we did what we were suppose to no question.  Please contact us for befores and afters on her files.  We are currently working with RIP OFF to aloow us to post them publically.  

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#15 Author of original report


AUTHOR: OUT OF TIME - (United States)

You had plenty of time to make it right.  You've had the file for 5 months and nothing is still completed.  NO THANK YOU...And you'll know exactly who we are once the proper paperwork is in place.

Thanks for your offer to attempt to make it right but we are way past that point. You should have had that attitude when you were so busy being arrogant and telling us we should be grateful. No need to put forth the effort now.

TIME HAS RUN OUT.  My attorney has stated enough is enough and we no longer have any more communication for you.  It's only slander when it's false and all the documentation I submitted to the DA shows otherwise.


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#16 UPDATE Employee

3rd Proof file Nichols

AUTHOR: Billy - (United States)

This very Lucky lady ordered for her credit to be cleaned on 12/20/2017.  Im  happy to say that today she has PERFECT credit.  Your very welcome.  

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#17 UPDATE Employee

Client Thompsom

AUTHOR: Billy - (United States)

Client ordered 3 tradelines 12/22/2017 we posted 4 lines.  Let the client know there very welcome for the extra line they didnt pay for.  By the way these are redacted to protect the clients identity.

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#18 UPDATE Employee


AUTHOR: Billy - (United States)

Nice try, Every single file you have sent us we have before and afters.  Not smart to write something about a company that has done right by you.  I know who you are.  I have every single client you have sent.  Sad thing is we HELPED your clients tremendously.  We have gone above and Behond to make sure your clients had a fresh Start.  We have made sure your clients were well taken care of to say the least.  You were upset because the time frame was not what you wanted because of the Holidays, However soon after your files came out.  They came out perfect.  We have NEVER nor will EVER do anything illegal.  Our goal is to help clients better there credit situation which in your case we have on every single file except one file that is due out this week.  I dont understand how a company such as ours that went out of there way to help your clients deserves this type of writng on Rip Off Report.  However you know what we have done and your clients also know.  I find it very sad that a company such as ours who has been around a while and takes customer service seriously we get this kind of treatment.  Its very unfortunate.  I will check with our legal team to see what information has to be redacted on before and afters to post them on here to validate our work and what we have done for you and your clients.  I do however apologize that your not 100% satisfied.  Im not sure WHY you included the Name of Tamara on here she has nothing to do with our company.  She has not and has NEVER been involved in our company.  Im not sure why the personal attacks either when we have clearly done our job.  

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