My fairy tale took a surprising turn for the worse when my Prince Charming turned into a…read morechronically unemployable leech, leaving this damsel in distress with a great deal of credit card debt after our divorce. Flash forward to now. Nobody ever wants to make that phone call. I mean, who honestly enjoys calling your creditors? Reaching out for help only to be put on hold for hours/have your calls disconnected/transferred to the wrong department--all for the privilege of conversing with the surly CSR in cardmember services who talks to you like you're a serial puppy killer for making a late payment. After about half an hour of getting nowhere with my credit card company, I was transferred to Clearpoint, and braced myself for more of the same. But it was nothing like what I'd anticipated. I got transferred around and spoke with a few different people, sure, but every single person I interacted with was just SO nice. Ridiculously nice. The kind of nice you can't even fake. The counselor working with me was really encouraging, professional, and treated me like a human. I'm not an evil villain, I'm not incompetent, I'm just a girl who came across some less than ideal circumstances. Being in debt is shitty. We know that. But still, what a breath of fresh air to be treated with dignity. Most importantly, I got squared away with a realistic plan to squash that debt, all my questions were answered, and the pros and cons of the debt management program were explained thoroughly. I actually felt happy when I got off the phone. Happy? Seriously? We talked about my stupid debt for an hour and I feel happy? The fees they charge are so minimal compared to the amount of service they provide, and I feel good supporting a local nonprofit. And I'll live happily ever after, having this ordeal finally taken care of. The end.

Making the best of a bad financial situation is what these guys do for a living, and they do it…read moredamn well. If you know nothing else about them, know that they are the ONLY HUD-approved credit-counseling agency in the state of Washington. To go elsewhere is to make oneself vulnerable to scams that will make you lose more than you've already lost, all to fill their heartless, greedy pockets. Out of work for not quite a year yet when I contacted them, I'd already spent through all my "retirement" savings (ha!) hoping to save my condo. Through a combination of credit-card purchases and cash advances, I was rapidly approaching the last of my credit limits when I called them. They bundled my credit-card debt into one (very) low-interest loan that they brokered my payments on, in exchange for a modest monthly handling fee (especially when compared to how much I'd have paid in interest with the Wall Street banks), all handled through monthly withdrawals from my checking account, which I was able to keep funded (modestly, but adequately) through some creative moves. With their help, I was able to sell the house, with enough equity (I realize not everyone's this lucky) to pay off my credit-card debt, a week or two before the foreclosure hounds would have come snarling at my door. Their attitude and service demonstrate compassion and a sincere willingness to help, and they are both responsive to requests for help and advice and proactively in touch when needed. They earned every penny of their fees, unlike the loan-shark interest I paid Big Banking before signing up for their Debt Management Program. I don't envy anyone the circumstances that brought me together with ClearPoint, but thank God that they were there and oh-so-helpful in my hour of need. If you're on the brink of possible financial disaster and hoping for a miracle, here's my advice: Wake up and get these guys on your side before it's too late to save anything. I haven't checked my credit score yet, but I feel sure that it's at the very least at or above average thanks to the ways ClearPoint knows how to hook its clients up. Call them while you still maintain some control over your future. They'll help make it better.

If you want to invest your money into an organization that can produce results then it's LSI. I was…read morereally amazed at what they could do, I have to admit with the issues I had I didn't think it was possible for them to remove the things from my credit report. It felt so good to hear them say "Charles, we got it removed for you and you should see the reflection of it on your next credit report". Now to me, that producing results !

Update: Owner…read moreReponse: 2/4/2021 Thank you for your feedback. Amber did respond to your email you back on Jan 20. Amber had written a reply previously but it never got sent, which we did apologize for. We just reached out to you again on Feb 2 to see if we could connect to help resolve any outstanding concerns that you have. During Covid, the federal government issued the CARES Act which allows the bureaus additional time to respond to inquiries. Please reach out to us directly so that we can answer any questions you have pertaining to your results My Response: Serge, As previously stated, I never received a response to my question from 12/28/2020. That was until I posted this review on 1/19/21. I then received a response from her the very next day. Presumably, because of negative the review. This doesn't excuse the sixteen business day gap from the time I sent a question and received a response. I doubt I ever would have received a response if I had not posted a review. I am aware that the bureaus have additional time to process (30-45 days), but this doesn't negate that we didn't receive anything from the bureaus in close to four months. If I had not questioned it, we would have continued to spend some $150 dollars a month with LSI with no results. Original Post: I had a similar experience with LSI. I was working with Amber. They reach out once a month and go over the credit challenges I continued with the service during COVID but stopped receiving notifications from the credit bureaus. This went on for almost six months. We decided to stop our services in Dec since we weren't seeing any improvement. I told Amber to go ahead with the pull since they had just charged my card, but we would cancel next month. I was told that they couldn't because the bill for Dec that was just paid was for the previous month. When I emailed for an explanation (attached), they never responded. Additionally, I questioned how the credit challenges were submitted as it's a violation of FCRA for the bureaus not to provide a response. Amber was always pleasant via email, but when you spend $1200 for credit repair, you expect at least a response to an email.

When I worked in the corporate environment, I never had a problem earning money. Saving it was…read moreanother story...but I was making enough that frankly it didn't matter as long as the paychecks kept coming and the 401K savings was auto-deducted. It wasn't until I made the leap to small business owner where my deeper underlying money beliefs reared their ugly heads. Things got super real...in not a good way. My chronic tendency to depreciate the value of my heart-centered hard work meant that I was constantly underpricing and in a state of "not enough". I've been working with Heather for a few months and have been amazed at the shifts. Starting at the first meeting we were able to access and clear some of the mistaken beliefs that I have about money (tied to old but subconsciously powerful traumas). I've raised my rates and started being able to self-regulate when fear and anxiety raises it's ugly head. I've taken a number of classes on the mechanics of handling money..but working with Heather is the first time that we've gotten to the underlying reasons of why. Highly recommend!

From the owner: Money Mentoring, also known as money coaching, gives you the practical skills to trust yourself in…read moremoney matters by bringing to light the beliefs and attitudes that may be influencing your money behaviors. You will be guided to create a customized spending and earning plan that is specific to your individual needs and wants. This is a process that unfolds over time, helping you to become more aware of your finances and building your financial muscle

I cannot recommend Edgar Hall highly enough. From our first conversation, he was knowledgeable,…read morecalm, and incredibly reassuring. He walked me through every step of my case, explained my rights clearly, and completely shut down the opposing side's scare tactics. You can tell he genuinely cares about his clients. He's sharp, responsive, and truly fights for you. If you're dealing with debt collection, legal pressure, or just feeling overwhelmed by the process, Edgar is exactly the kind of attorney you want on your side. I'm so grateful for his help and expertise. Thank you, Edgar!

This lawyer is a one of a kind. I'm not sure that I even knew a lawyer like this existed. He took…read morethe time when he did not have to. He took the case when it did nothing for him. He took care of a United States Veteran who was out of options by no fault of his own. This guy is smart and talented and incredibly wise. He was straight forward but used kindness to explain things. He is one of the good guys.

Ever had a charge that shouldn't be there show up on your credit report? If your answer is yes,…read morethen you too probably know the anxiety that comes with trying to figure out how to get it removed. I had heard though the grapevine that The Credit Guru were excellent and easy to work with. They deserve their reputation. By the time I got off the phone I had a plan of action, and was seriously relieved. I highly recommend.

I worked with Credit Guru to help me increase my score for a home refinance. They provided sound…read moreadvice and thorough services to help me achieve my goals. During the few months my credit score went up by 100pts. Which was a combination of their efforts and my reducing credit card debt, which they highly recommended. They did not over sell me, and set my expectations properly. Overall highly recommend them for their services!

They only mail you one bill, then only contact you via phone and want you to provide a credit card…read moreover the phone. Not going to do that, and it's very unprofessional when they call you, but don't leave a message giving you options for payments online. A shady company for sure.

Collection agencies are already scum, but to call daily, sometimes multiple times is insane…read more After reaching out to Evergreen Medical(the debt these fools are attempting to claim), they informed me absolutely nothing has been sent to collections, as they are still processing.

I worked for them. They are terrible employers. A number of phone numbers they have you dial are…read morerelatives and continue to have the employees call the relative again and again. You have to meet a quota every month or they fire you.

Direct tv uses this company to rob people of money. I had an account that was settled after several…read morehours of phone calls. Then a year later I get a derogatory account on my credit report from these people. If anyone has had a similar experience, and I know there are lots, maybe it's time we lawyered up against these corrupt companies.

Here I am trying to call OMF and I see a review of exactly what is happening to me. I called to…read moreupdate my bank autopay info after 2 failed attempts causing me (x2) charges of $29.99 NSF fee with my bank. After updating my info, I told them to stop the autopay and I will manually pay the current month when I get paid. What happens? ANOTHER AUTOPAY WAS ATTEMPTED ON THE OLD ACCOUNT. really?? Make this better by at least lowering my next months payment by the amount caused by the NSF.

I am going to add my review on yelp and on FB about the really awful customer service I've received…read morewith OMF - this is now the 3rd time you guys have caused a NSF with my original bank and I never receive a resolution that is in my favor because I receive a excuse "it's the system" - that is not a resolution nor is it going to work for me and ultimately not for OMF - I'll refinance with Mariner Finance because at least they tried to keep their customers happy and worked hard at it - OMF - just is second rate!

I have had a horrible experience with your Seattle location and am happy to say that the manager at…read morethis location Adam is amazing. He has treated me so kind and done so much to help me. Truly thank you for helping me and not making me go back to Seattle. I appreciate you!!!

From the owner: OneMain Financial has been a trusted personal loan lender for more than 100 years and is proud to…read morehave served millions of customers nationwide. Get a personal loan to help with debt consolidation, home improvement, major purchases and more. Our local team is ready to work with you one-on-one to find a solution that works for you.