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    Fair Loans Services

    5.0 (1 review)
    Open 9:00 am - 6:00 pm

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    6 years ago

    I applied for loan last week for $11,000. Got approved same day and received in 24hours. Good services provided.

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    Credit Bounce Credit Repair

    Credit Bounce Credit Repair

    (8 reviews)

    Lower East Side

    Unfortunately, a few items turned up on my credit that was unbeknownst to me. I wasn't planning on…read moreapplying for anything in the near future so I never wanted to pay the credit repair fee. I decided to visit his website while bored and I was floored to find out that the service was completely free. I still had the same credit monitoring active from the last company I used. At that point there was no risk. It was refreshing to be able to see the letters they actually send to the bureaus. All I had to do was use a third party site to mail them out. I could've also printed them. The process was a breeze and it was quick. There's no option to speak to a live rep, but this I assume helps keep the service free. The results worked for me. In all it took about 2-3 months to remove the negative items, which was perfectly fine with me. Hopefully I'll never have to use them again but I'll be spreading the word to anyone I know who might need it.

    I happened to get an alert that a collections account was on my credit. I didn't recognize it at…read moreall but my score dropped quite a bit because of it. A friend of mine recommended this service and I was surprised to see that it was free (except for the credit report). The collections account was removed from experience within the first couple of weeks. It was then removed from the other two bureaus a month or so after. My score rebounded like it never happened. Sending my letters was a breeze since they recommended a service that does it for a reasonable price. I could've printed my own as well but I didn't feel like buying stamps. i'm definitely telling my friends and family about this company.

    HK Law - Haydar Ketabchi, Esq.

    HK Law

    (3 reviews)

    Forest Hills

    Haydar helped me settle several credit cards without resorting to a lengthy legal case. I ended up…read moresaving money and improving my credit. This was a great option because I am so busy and needed an affordable payment arrangement with my creditors. Haydar took over and communicated on my behalf. I was very stressed out when I received the notices. He helped me understand what the process and I didn't have to try to settle these on my own. So glad I went with him.

    I had been looking for a while for an attorney to help me address a credit card judgement again my…read moreelderly mother that she incurred years ago, and am so fortunate to have found Haydar to represent my mother. I initially left Haydar a voice message in the afternoon on a Friday. He called me back after 5pm on a Friday. I was so surprised, as most people would have not done so, especially on a Friday. I explained my mother's case Haydar. Haydar was so patient and informative. He took his time to explain how the matter can be addressed. I was so greatful for his time and feedback. In less than two weeks, Haydar made a submission to the Court and got a court date a month later to address the matter at hand. I attended the court date with Haydar, and he knocked it out of the park. He advocated for my elderly mother and got the civil court case against her dismissed/vacated. I would definitely recommend Haydar to family and friends, or anyone needing his services.

    Pinnacle Credit Repair

    Pinnacle Credit Repair

    (10 reviews)

    Flatiron, Midtown East

    ABSOLUTELY FANTASTIC EXPERIENCE! Before working with…read morePinnacle Credit Repair my credit situation was complex and not something I could realistically fix on my own and it mattered for my financial future what stood out right away was how structured and professional everything felt with clear expectations consistent communication and no unrealistic promises they were transparent about the process timelines and what was possible which built trust over time I saw real progress in my credit with negative items being addressed and overall improvement compared to anything else I looked into this felt far more serious and effective and saved me a lot of time stress and guesswork I would recommend them to someone with a complex situation who values expertise and a professional approach this is my real review and im sharing it publicly because it matters

    I didn't find Andre through a Google search or a flashy ad. I found him through a hypnosis group…read moreI'm part of, and credit repair was genuinely the last thing on my mind when I first came accross him. I'm a professional hypnotherapist, and the group I'm involved with draws serious practioners and thinkers from a range of fields. Andre showed up in that world, and what caught my attention immediately was the way his mind works. Not about credit, just the depth of how he processes systems, human behaviour, and the mechanics of how institutions actually operate. There's a pattern recognition to the way he thinks that any hypnotherapist would notice and respect. I was drawn in purely by that quality. It was only later in conversation that I found out what he actually did professionally. When I asked whether he worked with clients in the UK, he said yes, and what followed genuinely surprised me. Without me prompting him, he began walking me through how my own credit profile would be structured under UK law. I thought I had a reasonable grasp of how credit worked. I did not. My Experian score at the time was sitting below 400, deep in the very poor range. I had a Barclaycard default on my file, a Lloyds default that had been sitting there for years, and two collections from debt recovery agencies that I had honestly stopped beleiving could ever be resolved. I had accepted it as my financial reality. Andre did not accept it at all. He broke down how the UK system differs from the American model in ways I had never considered. In the US, the dispute process is governed primarily by the Fair Credit Reporting Act, the FCRA, which gives consumers specific enforceable rights around investigation timelines, bureau accountability, and furnisher obligations. The UK operates under an entirely different legal framework, primarily the Consumer Credit Act, UK GDPR, and the Information Commissioner's Office, the ICO, which handles data accuracy complaints against both lenders and the three main credit reference agencies: Experian, Equifax, and TransUnion. What he explained that most people miss is that the UK dispute process is less adversarial on paper but equally complex in practice. Lenders carry more discretion, the leverage points differ significantly, and anyone applying American dispute logic to a UK credit file will hit walls they don't understand. Andre knew exactly where those walls were and more importantly how to go around them legally. What I was not prepared for was the speed. Within days, not weeks, not months, I began seeing movement on my file. The collections were being challenged. The Barclaycard default was under formal dispute with documented legal basis. The Lloyds account was being addressed through the correct ICO and lender channels simultaneously. Seeing actual changes appear on a credit file I had written off, within days of engaging with this man, was frankly disorienting in the best possible way. As a hypnotherapist I work with belief systems for a living, and I had a deeply held beleif that my credit situation was permanent. Andre dismantled that belief with results, not words. He communicated like a partner throughout the entire process, explained his reasoning at every step, and never made me feel like a case number. The score movement that followed was significant. My profile is unrecognisable compared to where it was when we first spoke. If you're in the UK and you've assumed credit repair is purely an American concept, that was my assumption too, and it's exactley what Andre corrected. The legal rights exist here. Most people simply don't know how to use them. Andre does, at a level I have not encountered anywhere else. I'm a professional hypnotherapist and you're welcome to reach out to me directly. You can find me in the comments on Andre's YouTube channel, feel free to connect with me there.

    Fair Loans Services - debtrelief - Updated May 2026

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