Opti-Score, David Masten & Todd Bierman Opti-Score is acutally and factually Opti-Scam Jersey City New Jersey

Hi David Hi Todd remember me I was your credit expert and you had me close accounts for you with people who purchased your so called Opti-Score program. Ok now lets see, you cant say I was fired because I quit. You purchased leads from a friends company and you bounced a $100.00 check. Your Opti-Score is nothing other then Rapid Rescore done at any mortgage firm FOR FREE!!! Potential mortgage loan applicants and clients seeking help to reestablish credit are not supposed to be charged for this. I will say I did work for you and its a shame I wasn't there for the suit brought against David and Todd for salaries that they did not pay. I even advertised on the internet, invested my own money to get mortgage applicants for Todd and David. I was told any mortgage referral I bring in I would get 25% of the closing. When the mortgage closed I was told "you will get paid at the end of the month when the funds clear. I never saw a dime. Todd I do not like the fact that you would say an ex employee was fired over a drug arrest. As you know it is against the law for a firm to degrade an ex employee publicly and I will look into it to see if your response is a civil act. I worked for this company from Sept 9/06-12/06, 4 months and I think I received 2 checks for $400.00. Todd and David have another company "Communications Publishing", seems they are following the same old customer trends as they do with Opti-Score. Anyone who is doing business with these two fine scammers better think twice

Steven K

Everything I've stated regarding David Masten, Todd Bierman & Opti-Score is the truth. Although I have been arrested and convicted one time in the year 2000 for drug possession I am far from the criminal element. Also because I have never displayed or committed any theft, robbery, fraudulent behavior of any sort NJDOBI (New Jersey of Banking and Insurance), granted and approved of me for my license as a Mortgage Consultant.
If you are interested in the services that Opti-Score claims they provide email me @ sevans911@hotmail.com and I will refer you a more reputable company that you would never hear of any complaint from anyone, especially listed on a website like this. Although I am fully capable of deciphering a credit report to the extent of which creditors are doing the most harm to your personal fico score, I unfortunately do not have the time.
If I were a consumer and I read a complaint of a company from an individual I wouldn't take the word of that individual. However if that one person provided me with other people that have worked for that company and if that person also provided me with other consumers that have dealt with that company in that past, after following up with others I would look for other companies that provide the same service. AND THAT IS WHAT I SUGGEST YOU DO. Email me and I will give you contact information of other people that have worked for David Masten and & Todd Bierman that have gotten swindled out of money owed to them. Email me and I will also give contact info of past clients that paid but services were never rendered. Once again my email is sevans911@hotmail.com, my name is Scott Evans and I urge you to either go with another company, or if you decide to go with Opti-Score at least email me after they've taken your money so that you can help me warn others as well.

Everything I've stated regarding David Masten, Todd Bierman & Opti-Score is the truth. It is also true that I have been arrested. Let's' get to the truth, the whole truth about everyone myself included. I was arrested and convicted one time in the year 2000 for drug possession. However I am far from the criminal element. Also because that single arrest did not involve fraudulent behavior, theft or robbery NJDOBI (New Jersey of Banking and Insurance), granted and approved my New Jersey license as a Mortgage Consultant.
If you are interested in the services that Opti-Score claim they provide email me @ sevans911@hotmail.com and I will either refer you a more reputable company that you will never hear of any complaint from anyone, especially listed on a website like this or do it for you myself(if I can find the time)!
If I were a consumer and I read a complaint of a company from an individual, I wouldn't take the word of one person. However if that one person provided me with other people that have worked for that company and if that person also provided me with other consumers that have been taken advantage of by that company in the past, after following up with others I would look for other companies that provide the same service. AND THAT IS WHAT I SUGGEST YOU DO. Email me and I will give you contact information of other people that have worked for David Masten and & Todd Bierman that have gotten swindled out of money owed to them. I will also give contact info of past clients that paid and services weren't rendered. Once again my email is sevans911@hotmail.com, my name is Scott Evans and I urge you to either go with another company, or if you decide to go with Opti-Score at least email me after they've taken your money so that you can help me warn others as well.

Scott Evan made up these stories after he was fired because he lied about having a felony on his application to work for our mortgage company. He is banned from that industry. He was with us for only part of the one month he claims, and so I wonder how he says that he saw a 'pattern' of clients being ill treated. He was in fact only on staff for 10 days at which point, his background check revealed his lie.

So you can see the inconsistency in his own work. He created his story of a pattern and then proved it was a lie by admitting he was gone in less than a month.

Second, his email of supposed evidence from 'Ted' doesn't exist, and is in violation of of Ripoff Reports Policy of all reporters having a physical or email address. When we fired him, he promised to do just the sort of thing. It appears that devious lying is his stock in trade. He even blackmailed us, saying if we didn't pay him commission on loans he had started working on (we can't under the law), he would do these things.

Both David Masten and I have been successful authors for over 20 years, and have no detractors except for this Scott Evans. I am sorry for him that his life is so disordered but can't submit to blackmail no matter what.

Todd Boer,am