Credit Savers Association ratings, reviews and complaints - Credit Repair Services - Advance Fee

Complaints and Resolutions

Complaint Experience

N/A

Complaint Resolution Index (CRI)

Complaint Resolution Index (CRI) Explained The Complaint Resolution Index (CRI) is an indicator on how responsive a company is in addressing and resolving customer complaints brought to their attention by BCA. If they are considering doing business with the company, consumers can use this indicator to forecast the likelihood of having their issues addressed if a problem arises. CRI measures the company's customer satisfaction abilities through BCA’s complaint mediation process.

A variety of factors are considered when calculating CRI. This includes how quickly a company responds to complaints, the number of complaints against a company, whether the company addressed complaint allegations, and the outcome of the complaints. CRI is just a subset of the overall rating for the company. Consumers are encouraged to take into consideration the company's CRI, their overall BCA letter rating and other relevant information about the company so they can make a well-informed purchasing decision.

BCA's Summary and Analysis:

Complainants allege the company claims to be able to "fix" credit reports by removing negative entries. Customers complain that contracts are not fullfilled, and credit histories are unchanged.Most complainants allege they experience difficulty contacting the company to inquire, complain, or to request service. The company responds in a few cases by providing refunds. Other complaints remain unanswered.

Our complaint services are free and our team of expert mediators will assist in resolving complaints with businesses.

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Complaint Closing Statistics

0 complaints against Credit Savers Association closed in last 3 years.

Complaints	Type of response
0	Making a full refund, as the consumer requested
0	Making a partial refund
0	Agreed to make an adjustment
0	Refusing to make an adjustment
0	Refuse to adjust, relying on terms of agreement
0	Unanswered

Other Information

Company Info

This company's business is providing credit counseling services.

Primary Contact:	Customer Support
Business Started:	1/1/1999
Social:

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Licensing

California law requires that companies advertising or offering to improve your credit record, history, or rating must be registered with the Attorney General's Office as a Credit Services Organization and post a $100,000 bond.

To verify registration and bonding, contact the Office of the Attorney General by writing to; DOJ. Attn. Public Inquiry Unit, P.O. Box 944255, Sacramento, CA. 94244, by calling (916) 322-3360, faxing (916) 323-5341, or visit their website at www.oag.ca.gov.

For businesses outside of California, please check with the agency that regulates this industry.

Government Actions

BCA has no information regarding government actions at this time.

Comments and Analysis

By law, information stays on your credit report for seven to 10 years. Accurate negative information can only be removed by with cooperation of your creditors, and this usually involves paying all or some of the debt. If you believe your credit report contains erroneous information, you may dispute the entry by calling or writing the reporting agency. While in dispute, the negative item may be removed temporarily from your report, however it will be added on again if determined to be valid. As of March 4, 2003, we could find no evidence of registration, as required by law, with the California Attorney General's Office. The California Credit Services Act requires companies advertising credit repair services to register with the Attorney General and post a $100,000 bond. Even if registered, the Act prohibits the practice of collecting payment before providing services.

Other Considerations

We know of no other matter or practice relating to this company that may assist you in your consideration of this company.

Industry Resources

Advertising Reviews

Additional Info

DBAs:
There are no additional DBAs.

Websites:
There are no additional web sites.

Contacts:

Herman Padilla (Owner)

Addresses:

1002 East Cypress Street, Covina, CA, 91724

158 Las Tunas Drive Suite A, Arcadia, CA, 91007

4260 Santa Anita Ave, El Monte, CA, 91731

Reputation Report

Credit Savers Association

Complaints and Resolutions

Other Information