I hired this business last year to help prepare my credit from some stupid mistakes I made when I was younger, resulting in a couple of charge-offs multiple collections, and hard inquiries. The pricing was reasonable and affordable for me. After some time, I noticed progress, and after the quoted timeframe from when I signed up, everything was resolved, and my credit score went from 520 to 760. I went into this with the expectation that change will not happen overnight and that it may take several months if not almost a year. I see some of these other reviews being negative and I believe there is more to the story with these individuals than what they are sharing. There are always two sides to a story. I do recommend Credit Expectation Just know credit report repair does not happen overnight, do not expect it to. I'm extremely satisfied with what they have done for me and I highly recommend them. read more

Everyone listen up do not mess with these frauds She will lie steal and cheat I have filled a report on her she made it seem like she was fixing my credit $1900 later I'm doing all the work And she rapidly changes locations after she has gotten over on everyone.... she will do just enough to get by after that she takes your money and run !!! Beware... if you have been affected by Ana Karina Guerrero Make a report read more

I brought all my issue to this company five months ago lol and I am about 75% into my contract with them. I've seen significant changes in my credit score. I've seen multiple negative things removed and I have nothing bad to say about them they stay in communication with me they've always been very understanding I highly recommend their services just stay honest with them and keep an open flow communication and you will see a significant change. I especially want to shout out to my customer service rep Jascha he's extremely knowledgeable and whenever I tell him that he's overwhelming he always slows it down for me and takes it in my pace. Making sure I understand each step and its importance. I really appreciate his communication style with me because sometimes I get frustrated and give up mid conversation, but he's very good at his job and I would definitely recommend my friends and family to him. read more

I came upon Credit Expectations while searching for a company that that would assist me in getting my credit in order and current on all 3 Credit bureaus. The process is simple, it is a little expensive but they have payment plans available. I dealt with Ana Karina which was helpful and answered my questions. I am still in the process and until the finished report I will edit my review. read more

They really hooked me up! 700 club I'm so excited! Thanks you guys. They had great customer service and kept me in the loop at all times. My scores went up over 130 points! read more

DONT TRUST THIS PLACE SHE WILL TAKE YOUR MONEY AND RUN, I was promised after I paid my $1400.00, I WOULD BE ABLE TO BUY A HOUSE, shit, I CANT GET AN APARTMENT, total waste of time and money, she lies about it too, she is a joke, I wish I never wasted my time with her, after she gets your money she barely text or calls back and always have a fucken excuse. If you don't want to feel used, conned and outright robbed, DON'T FUCK WITH This shit of a place, Ana Karina, credit Expectation! read more

Credit Expectation - Financial Advising Near Me - Upland, California

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DO NOT ATTEMPT TO USE THIS SERVICE! I have hardly given a bad review to anyone but I wish this one has 0 instead of giving 1. All was going well with communication until the creditors started to sue me. That's what Karina was paid in full (really high price compared to others I have seen after signing up with her). She completely ignores you and blocks you for few weeks. Then calls back and gives you hope she'll work on it. She refused to answer my calls after that. When I call with another number, she answers then snaps at me saying she hasn't been to work for few days. Why did she not respond to my calls yet answer another? Notice, she doesn't respond to the ones that criticized her on the reviews. To add to the insult, every since I've given my social security number to karina, I've had bills coming from Experian every two weeks. Couldn't stop it until I closed my credit card. Extremely worried my information was given to the wrong person. I know I have been taken and fooled but I will not let her do this to anyone else. Please do not use her service and recommend anyone to use her. This is beyond unprofessionalism but playing with people's lives. I will do my due diligence to report this so called company to any and every organization to make sure she cannot take advantage of people. read more

Karina Guerrero, is a irresponsible credit repair person who will look at you credit, give you advise then accept No Responsiblity for the Bad advice. My scores started in the mid 5 hundreds and is only in the 6 hundred 1 year and $1100 later. When I called to express my concerns she started yelling and stating falsehoods. Then she said she was no longer fixing/working on my credit, stop answering her private number, the Office number and had the receptionist to keep me on hold when I asked for Manager/ Cooperates number, then hung up and Blocked my number. SCAMMERS read more

BEWARE!!! I had high hopes for this business, but sadly the owner was very unprofessional and wasted my time, by not showing up to the appointment she scheduled. The owner did not contact me to inform me that she would be closed and needed to reschedule the appointment. I definitely wouldn't trust this company with my financial matters, if they can't even communicate their hours of operation. read more

Karina will impress the kcuf out of you.trust. Best advice would be to be half a year patient. I went in not knowing what I was getting myself into. First time I ever bothered with credit repair. I had about 29 charge offs and collection accounts starting with all three credit bureaus together. Other accounts had late payments but I'm not gonna bother talking about those. I went from 29 chargeoffs/collections to now 11. In a matter of 6 months. I am a little upset that she didn't let me know that she could've gotten all these chargeoffs/collections off within the 6 months if I paid the full amount up front. The price is upfront,steep,but upfront and definitely affordable of you do monthly payments. I paid $3000 in payments for all those charge offs,collections,late payments,misleading reporting information and 52 hard inquiries to be removed. I consider my situation pretty bad. You would more than likely pay less than I did considering you didnmt get yourself mixed up in unsecured personal and installment loans. At this point, if they showed me less than optimal customer service ,I wouldn't care. Their results fucking show. read more

My experience here was great. Karina very honest and truthful am definitely looking foward to tell all my friends about this place!

This should have been written along time ago, but better later than never. I met Ana at Credit Expectations last year July 2017. I had been a renter of apartments and houses all my adult life. I never valued having good credit, I felt it was too hard to achieve and that people who had good credit were the wealthiest people. Last year with the advice of a close friend I call Ana for help. I was renting a house for 7 years. The owner of the house told me you have to move out by 2018. I was devastated, shocked, scared and felt overwhelmed. I knew I had a great career as a nurse and my income was good, but my credit scores were in the low 400s. I admit the first time calling Ana, I thought this is one of those scam companies and all they want is my money. I WAS SO WRONG! After my first conversation with Ana I was confident and ready for the battle of building my credit. My husband and I made the decision to buy a house and never rent again. I never wanted to feel that fear of someone telling me I had to move. I spoke with Ana on regular basis, I began to feel like she was a good friend with great guidance and knowledge. I received weekly and monthly updates about the status of my credit. Within 9 months of working with Ana, and saving money, My husband and I bought our first house together. We closed escrow May 2018. I was so excited and happy!!! Before working with Ana my score was 405, and when I bought my house my score was around 690. After buying my home I continued to work with Ana. I thought just because I was able to buy a house I could get approved for anything. Nope, that was not the case! The battle was not over! I wanted better than a 690. I wanted higher credit limits and more trust with the credit bureau. Even after buying a house credit card companies did not want to give me a credit increase or a new card. I was still working with just two secured credit cards from Wells Fargo and Capitol One. The highest limit for Capitol One was only $500. I was feeling disappointed and frustrated because I wanted to have better limits or get approved for a home improvement loan. After 3 more months of Ana's hard work I applied for a credit card with American Express and was approved for a $3000 limit. Yeeeessss!!! And it is unsecured. Two days later I applied for a Capitol One unsecured card and great news I was approved for a $9000 limit. I couldn't believe it!!! I would have never thought having a score of 405 would climb to 725. Now I'm confident that working with Ana at Credit Expectations I could get to a credit score of 800 plus!! Thank you so much Ana and the Credit Expectations team for making my dreams come true!!! read more

Today was such a wonderful day for me. I received my progress report and is very impressed and grateful. You are a great person Ana and I will be referring my Son to you as well. Thank You and God Bless!!! read more

This business is not liable and it is a scam. Don't trust these people because they will take your money and run! I came to this place last year and paid $750 to have inquiries removed and she never did anything. My sister who lives out of state referred this janky woman so many people including her family, and she has not helped them at all. read more

Sooo... After talking to different credit repair companies and agents I'm glad I went with credit expectations!!!!! It's always uncomfortable to talk about our personal confidential information, especially when it comes down to repairing or fixing our credit. I can guarantee anyone that if you work with this company their professionalism && empathy will immediately assure you otherwise. Their knowledge about the credit industry is second to none, They clearly guide you onto the right direction and tell you all of the do's & don'ts in order to achieve the goals, be it purchasing a home or getting a loan or any other goals I'm so glad I had this company bring my credit up thank you read more

Hands down one of the best credit repair services. Affordable, quick results and most importantly the communication on my file from start to end! Definitely would recommend Karina's services! read more

Got hooked up and my credit is up in the 700 hundreds. Will recommend all my friends and family. Thanks a lot!!!!

Having trouble figuring out why I can't get my credit review score I followed the steps, asked for additional help and still nothing.

The person I spoke with was very polite and understanding of my situation. They were very friendly and helpful. They exceeded my expectations read more

When I wrote my first review in the month of May it was because the owner Karina promised a discount on the final balance we owed for services. I was not aware of the unprofessional behavior she truly displays, the lies and false promises ! She is a SCAM!!! She pays people to come on yelp and facebook to make false positive statements! Please stay clear of her and her business! If you do have a bad experience and it could help others report her to BBB asap! She will get all your passwords and go in and change your information without your approval! She lies to temporarily change your credit scores by saying you had fraud or unauthorized use of your credit! She is a scam and I'm taking all measures to let it be known! Please read the reviews and you can clearly see the real reviews from the fake! (The ones she has paid people to lie about)!!! I am NOT the one to play with and legally I know my rights and I will utilize them! FYI she didn't want to deal with me because she knew I saw through her Fraudulent ways and to do my husband and I the way she did I'm not going to let it be swept under the rug BY NO MEANS! read more