Complaint Review: American Credit Solutions - Tampa Florida

Paulette your Rip Off Report has touched me in a way that I must respond to your report. It up sets me so much to see so many one room back door operations are trying to make consumer think that they are big banks somewhere that is offering to help consumers re-build their credit. The facts are they are just looking to find consumers that they can Rip Off and thats IT Paulette have you heard of the basket ball team called The phoenix Suns? Well I have a close frined that used to play for the Phoenix Suns many years ago that was selling a service that you have got hooked up with. He was a close friend and he showed me how much money he was pumping out of consumers doing the same thing that you have bought into. There are so many people that have had a few "speed Bumps" if you will in their credit's past that would like to have a new chance at a better looking credit record. Paulette have you ever heard of The Fair Isaac Scoring system? It is all about you and your credit. Most car dealers will pull a credit report on you that will contain what is called the "Fair Isaac Score" this score reveals to them your credit's TRUE buying power. My "FIS" is in the high 700's The last Time I had it pulled I had a Fair Isaac Score of 788. Which is considered "A" Paper. If you want to rebuild your credit Paulette, you first need to understand how it all trully works. First I want you to build a solid relationship with a local bank. I want you to have a checking account, a savings account and set yourself up so that you can put some money into your savings accout that you DO NOT NEED every week, even if you have to kill your cable, your cell phone anything that will let you put money into a savings account EVERY WEEK! Also to HELL with all of these banks that are out of town just pumping fee's out of you through the mail. Next I want you to NEVER make any payments of anykind late, EVER if you have any lines of credit that have been reported late you could loose up to 29 points off of your Fair Isaac Score Next, I would ask that you try to keep your job for as long as you can, Job stability will increase your "FAIR ISAAC SCORE. Next If you are a home owner I would want you to keep it for as long as you can. The longer you stay put at the same address, again your score will go up Next I would want you to never show your S.S. Number to anyone at all. Hide your number and your husband's number from EVERYONE for at lease two years. The more people that get a hold of your S.S.Number and run a inquirie on your credit report, YOUR SCORE WILL GO DOWN If you have a credit card NEVER spend more that 15% of your limit. If you do this you will always have 85% revolving available, doing this will add points to your "Fair Isaac Score" If yo go over 31% of your limit you will be having points removed from your "FAIR ISAAC SCORE" So don't be too fast to use your credit card. And s**t-can that dumb a*s catalog that this so-called bank wants you to order from, most of their crap is "OVER PRICED FLEA MARKET JUNK" anyway' What I am telling you is what the credit industry does not want you to know. Banks, car dealer's finance guys and mortgage companies do not want you to become an educated consumer, they do not want you to know how their game really works. If you do they loose big money, so to hell with their big secrets, OK? Paulette go to http://recorder.maricopa.gov/ recdocdata/GetRecDataSelect.asp?mcrs=1 and do a search on consumers that have filed for a BK and you will also see that in many states if you file for a BK your name, address and S.S.Number and sometimes even your driver's license number will be posted on the internet for EVERYBODY to see. Where I live in New York millions of consumers S.S. Numbers are all over the net for anybody to steal and to what every they want with that info. Please hide your private info like it is your last dollar. To hell with everybody, it is your credit that is at stake! I trully hoped that I have helped you in some way. I feel that my life is half over and while I am alive I will continue to be The Great Thorn trying to help my fellow man/woman.