Consumer Information Bureau, Experian rip-off! I'ts impossible to return the product. No one answers the phone. Pompano Beach Florida
On January 13, 2004 I ordered a credit repair kit from Consumer Information Bureau to help improve our credit score for a purchase of a new house. It is 100% guaranteed to improve your credit or your money back. Also, you have 7 days to return an unopened package if you change your mind. I approved them to debit my checking account $210.00 for this course.
About an hour after I ordered the course I talked with our lender. She advised me to cancel the order as most credit repair kits don't work. She said in our particular situation, it would actually hurt our score. I got a second opinion from amother lender who is a friend of the family and he confirmed what she told me. So, I called back to cancel and was told it was too late and to simply call the phone number on the invoice to recieve an RA# for cancelation.
On January 15th I recieved my package. I called the return phone number and got a recording. I left a message and then called back every single day (including Saturday and Sunday) leaving messages. On Tuesday, January 20th I called the number which I had ordered it from. I got an anwser but the customer service rep was unable to cancel my order and was baffled as to why no one was returning my calls. He said they are very good about it. He said he would call himself and have someone call me. I continued to call everyday, leaving messages stating I wanted to return my product, to no avail.
On Friday, January 23rd someone finally returned my call. She claimed that the first message they had received from me was that morning. She said 99% of the time they answer the phone but this particular morning they were short staffed. She said they ALWAYS return messages within the hour. She flat out lied to me.
Nevertheless, she would not let me return the package because it had been more than seven days. She also would not let me speak to a supervisor. I told her what my loan officer had told me and she accused ME of lying to HER. When I began to raise my voice she hung up on me.
DO NOT do business with these people. They have VERY high pressure sales practices in the first place and will NOT allow you to cancel an order. My package is still unopened and I am debating whether or not I should even use it. We were able to secure a mortgage for 5.79% interest so we obviously didn't need the patch. But, if it does do what my loan officer said and actually hurt out credit - I'd like to try to get my money back again. Although, I'm sure no one would answer the phone.
Laura
Greensboro, North Carolina
U.S.A.
CLICK HERE: Lawsuit Filed Against Consumerinfo.com to get victims thier money back
1 Updates & Rebuttals
Stick B
Phoenix,Arizona,
U.S.A.
I have some info about credit for one and all ..Good inside information!
#2Consumer Suggestion
Sun, June 20, 2004
The very first thing I would like to mention is to not be too quick in attempting to receive a credit card if you have a credit score that is not real high. A credit score that is less than 650 will require a check up from the neck up.or let's say needs a bit of attention.
I am not real proud of it, but at one time I sold cars for a living. During that time I saw some very good credit reports and a whole lot more that were very poor credit reports. During the past seven years I have been studying the credit industry. It is amazing what you, as a consumer, can do that will assist you in increasing your credit score.
Many car dealers will offer you some sort of a deceptive credit-rebuilding seminar just to make you think they are out to help you acquire a better credit score. They just use this ploy to get you to like them so they can sell you what I call an "Overpriced Depreciating Sled Going to a car dealer and buying a car is not the best way to re-build your credit. Never be too fast to listen to the deception that many radio stations air.
Last month I went to my bank inquiring about purchasing a larger home. My banker made a comment that she had not seen a Fair Isaac Score that was as high as mine for MANY YEARS! She informed me that my Fair Isaac Score was 803.
Most consumers may not completely understand how the credit industry works. Knowing certain steps to take that may increase your credit score and those nasty things NOT TO DO that decrease your credit score are very important. I tell consumers to NEVER spend over 15% of their credit card limit. If you go over a certain limit your credit score will decrease quickly.
If you know the "true buying power" of your credit, you will not be taken advantage of at the auto dealership, the furniture store, the bank, or even the mortgage company.
Do something great for yourself starting today. Go to the bank and open a savings account. Every payday, make another deposit. If you have to start with a small and then work yourself up to depositing a higher percentage, do it. You will win in the end in more ways than you know.