I paid $5,500 upfront in December 2024…
I paid $5,500 upfront in December 2024 for credit repair services. At first, communication was consistent and I was told specific accounts would be addressed.
During that time, I was dealing with a separate issue involving a Discover account. I was advised to ignore all correspondence related to that account because I was told it would be handled. I relied on that guidance.
The letters continued, and I followed up multiple times. I was repeatedly reassured that the situation was being taken care of.
By August 2025, communication stopped entirely. I received no responses through September, October, or November. In December 2025, I was contacted by a collections agency regarding the Discover account, which is now approximately $18,000.
In addition, changes made to my credit report appear to have removed long-standing positive accounts, significantly impacting my credit history.
I attempted to dispute the $5,500 charge with my credit card company, but due to the time elapsed, the dispute was denied.
I am sharing my experience so others are cautious about relying on advice to ignore active accounts and ensure there is clear documentation of services being performed.








