Starting out young and naive, I ran my credit into the ground. After years of struggling to get…read moreapproved for anything due to past defaults, I felt trapped by my poor credit history. When I discovered "Credit-Climb," I achieved what I thought was impossible. I got approved for my first auto loan and eventually my dream home! I am so grateful I found Credit-Climb when I did. I don't know where I'd be without it.

Credit-Climb is helping me get rid of my collections and charge offs. My score raised from 570 to…read more660 in a couple of months. Thanks for all that you do

I recently purchased a home, and in the process, dealt with a few lenders that I had heard about…read moreon the radio. Their advertising dollars were wasted, as few would bother to return phone calls to me. The home I purchased is not a million dollar mansion, so I guess I did'nt need to borrow enough to make it worth their while. I have excellent credit, and had a handsome down payment for the loan, so the small loan amount must have been the only problem. Alas, I was introduced to 4 Trust Mortgage. Clay Monts is the man! He was always available for whatever questions I had, explained everything clearly and precisely, and made the whole process a real breeze. He followed up with me after the sale to make sure everything was going as he explained. He is going to be my lender from now on. Fantastic job Clay!

I will forever sing the praises for this company! I have had the pleasure of meeting the crew and…read moreeach of them are great people, with extensive knowledge of the credit industry. Both on a personal level, and even for my new business, they have been able to help me make a strategic plan to maximize my credit score and what is on my report. I like they do not simply dispute transactions, they audit them. I have learned the way they work with their clients makes all the difference on our credit reports. I recommend them, and specially, Will Smith, however no matter if you work with Joe, Brian, or any of the other crew, you can't go wrong.

Joe Camacho at the Phenix Group is dependable, professional, resourceful w knowledgeable. If he…read morecannot fix your credit, he will not waste your time. We wouldn't be living in our new home without Joe's expertise. We went from low 600s credit score to almost 800.

Talk about biting the hand that feeds you. That's exactly what I felt like as of 1/6/2012. On that…read moreparticular day, I walked into the establishment of Quick Loans, located at the at the address of 3151 S Cooper St Ste 121 in Arlington Texas. The place has anual revenues of a half a million dollars with respect to 4 employees. It's privately owned and pretty well kept. I have very decent credit and have been in the banking finance industry for 15 years, and not only no every scam that is out there, but can also tell when lending procedures aren't being followed correctly. As of October 2010 I had an acct with Quick Loans with respect to a six month loan and always paid more than the minimum monthly payment. But on this day, I would be bitten and smitten. The Branch Managers name is Oscar Rosales. To describe the thought process of Mr. Rosales, on the surface he is cool, but as a business man not so cool when it comes down to doing his job, most especially when you have had one or two loans with him and you have paid them according to the contract, only for him not to reopen you. This is what happened to me that day. I wanted to add another trade line on my credit report and this guy wouldn't even reopen my acct. He told me that he spoke to the owners and they said no, needless to say the real reason why was because he didn't want to reopen it and of course Mr. Rosales doesn't want to work. Needless to say the correct procedure is after you have paid off a loan, and you the customer come back to do another installment contract per terms the indeirment it is consider to be a new obligation, and of course the same process must be conducted all over again. This guy not only didn't take a new loan app, or pull credit nor did he even review the acct, which he could sense every thing is automated but he didn't even sit down and talk to me. But he never had too because we use to work in the same lending industry and we were both Branch Managers, so I know what he can and can't do. Mr. Rosales, not the owners, denied me based on the fact I switched industries not on the strength of the application or credit report, but denied only for the pure and simple reason that he himself doesn't want to even service the loan if he had too only because Oscar really doesn't like to work. It's ironic, the place is suppose to be Quick Loans, but you get denied really Quick with respect to your loan. My advice to anyone that is in the Arlington Area, because loan companies like these which are considered to be Micro Lenders only work off Zip Code and nothing else, to please consider other loan options before even considering taking your business or risking your credit profile to Quick Loans, your just wasting your own time with respect to picking up the phone or calling. This guy is pathetic. I would advise anyone and everyone not to business with this individual with respect to his lending practice and behavior with respect to industry standards. Thank You Max Jackson

They found me exactly what I was looking for without taking lots of my time. They are saving me…read morelots of money on my dental insurance.

Jan Bassi gets a big thumbs up from me. She is knowledgable, professional and she really listened…read moreto our needs! We have a unique healthcare situation as I am caring for a loved one with Alzheimer's. We needed immediate coverage, we needed a similar Medicare to what she had in her former state of residence. Jan met with me prior to my loved one moving here, and she met with us again in the privacy of my home. This whole experience has been worrisome and stressful, but the blessing through it all was meeting Jan. She helped make this a smooth transition in a great time of need.

I got a live insurance with live and death benefits with also a very interesting cash value…read moreaccount, which fit perfect for my needs and budget. Very acknowledged agent

Worked with Kattia and David on some life insurance for my family. They both did such a wonderful…read morejob explaining my different options and what could fit in my budget. Together we decided on a plan that both me and my wife were comfortable with and met the goals for our family.

My husband and I just bought our first home and Tanya made miracles happen! She legit got us closed…read morein less than 3 weeks!! The builder gave a date and if we would've passed it we could've been dropped out of the contract. She rushed the appraisal, she stayed on top of the bank, she got us incentives close to that which the builder was offering and saved us money!! We were able to come out of closing under what we budgeted. She also explained everything every step of the way. She and Rosemary (our realtor) are a dream team.

Me and my fiance would recommend anyone looking for a home loan to work with Caltex Funding. We had…read morethe pleasure to work with Chuck Murphy and his team, it was a roller coaster ride but Chuck never gave up and leads us all the way to the end on closing our first home. He worked with us on bringing our credit up and showing different steps to get us the right loan at a great rate. He's upfront and ready to answer any to all of your questions if needed. Like we said we will recommend them to friends and family. Give them a call.

My story is probably far too long for this site, so I'll try to keep it brief…read more After being in contact with Prime Lending mortgage broker for more than a year and having explained to Him very plainly from day one what we needed, Prime Lending dropped our loan and lefy us high and dry just two days prior to our scheduled closing. Our closing was scheduled and we had already signed the final Closing Disclosure document. We had a place and time all set up to close. We are relocating to AL from TX. so the legistics of our move are outrageous. We needed to be able to buy a house in AL before we'd be able to s4ell our house in TX as we needed to empty our TX house and replace carpets before I could put it on the market. We rented a bunch of PODS and had all our house packed up into PODS and moved to storage. When we were told all systems were go for the Friday closing (2/24/23), I made the 650 mile by treck, towing a trailer of my own behind a UHaul, all the way to Alabama. Before I even arrived I was being told that our closing would not happen. Why you ask? Because two days before the closing the loan officer called me claiming he needed me to produce a lease on our TX house saying I was leasing it out. I told him, as he knew, and as we had told him nimerous times, that we had no intention of leasing our house. He said, "Yeah, yeah, that's fine. I just need you to produce a lease and have a friend sign it saying that you are leasing it." Knowing this is credit fraud, I declined. He NEVER said in the more than one year we had been in contct with him prior to this deal that such a measure might or would be necessary. He NEVER said during this call that a signed lease was required for us to close on our current loan. In the end, he suddenly claimed that we needed to shift away from the loan product we were supposed to close on that Friday and convert to an FHA loan instead. He claimed it would save us money and require less down, etc, etc. So why did he not just do this from day one as this would have been far closer to what I asked for from day one. Well, as it happens, FHA will not approve us as I am disabled and my partner had been out of work for more than a year and had only just started his new position in Huntsville AL. He (my partner) has worked in the same industry for more than 25 years and had a job offer letter outlining his salary, etc., but FHA has a hard rule that anyone out of work for more than 6 months must then work at least 6 months at a new job before they would consider the applicant stably employed. So now the loan officer, a Terry Fann, claimed he needed to switch us over to an USDA loan. Long story short, the USDA has even STRICTER requirements for anyone out of work 6 months or more, requiring they be newly employed ar least one year before they would consider them stably employed. So now we are left with no loan. No cloasing. All our stuff, and I do mean ALL OUR STUFF, is in PODS and we have noweger to have those PODS delivered. We now will have to pay $2000 a month just for the POD storage!!!!!!!!! We're lcing in a camper at a campground while we try to do all we can to fix this situation. PRIME LENDING left us high and dry. Had the loan broker asked me about or made clear any og the issues which he brought up two days before closing, we would have told him then that we could not do that. We might have been able to arrange to do our relocation differently and I could have remained in Dallas at our house until such time as we were able to make some kind of arrangement in Alabama for housing. Mind you, we're moving a 4 bedroom, 2 bath house! Whatever you do, AVOID THIS COMPANY!!!!!!!!!!!!! Prime Lending has caused us so much stress and expense it will probably take us a year or two to financially recover!!!!!!!!!!!!!!!! They also made a loan conyingent upon our agreeing to commit an illegal act or mortgage fraud!

Being a first-time homebuyer, I highly recommend Christina and her team. They took care of…read moreeverything for me and made my transaction less stressful. Not only that, but she informed me about programs I never knew existed and literally saved me THOUSANDS of dollars. I couldn't be more thankful for this amazing team.