Guys, please exercise caution when choosing whom to contact and entrust your money to for credit repair. This individual, Joe, is a complete fraud and scammer. I suspect he may be located somewhere in the Middle East, deceiving people solely to abscond with their funds. Despite his assurances, he took my hard-earned money and promptly disappeared without a trace. It's truly despicable! After waiting nearly six months for any sign of progress from Joe, I finally conceded defeat and sought assistance elsewhere. I had to engage the services of a private individual on Instagram to rectify the mess on my credit report. Thankfully, this alternative proved effective. Save yourself the anguish and turmoil; instead, visit Instagram and search for CreditRepairWithTheSage. He performs exceptionally well and is both tested and trusted. I know for sure Joe will come down here and respond to this review with the same generic response of 'Someone is trying to sabotage their business'. read more

Joe who runs 123, stole $400 from me , couldn't fix what I paid for and when he couldn't he would not back his guarantee and refund my money. Now he won't answer my phone calls, text, or email, and now has my # blocked. Stay tuned, I get up to Ney York several times a year, I'll update this post when I find out more about this thief. read more

I paid joe Hobica for his services and he never did anything to help me and a year later and still nothing and within that year I tried to contact him and no response after paying him so basically he took my money and did nothing and told me that he will see me around town I love threats read more

Really wanted to like Joe and had hope he could really help me with credit repair. Sold me into believing it was possible to remove ch 7 Bankruptcy as well as the negative acts. He got SOME Accra removed hence the two stars but didn't really see much change in terms of credit score. The communication was good at first but the longer it went on the more there would be months of NO COMMUNICATION OF WHATS HAPPENING WITH THE CREDIT REPAIR. He hasn't even notified of filing anything to even try to get bankruptcy removed. After 6 months of "working with him" I had to be the one to inspect credit report for things still left that shouldn't have been and even more so it was one of the SIMPLEST things that should have been removed month 1 as there was an erroneously labeled chapter 11 instead of what really is chapter 7 which really showed he didn't really care about the results. Wouldn't recommend to anyone to work with this credit repair company read more

This guy Joe is a fraud and a scam artist he gets your information and uses it long after you have repeatedly told him that you did not want to proceed with his services.it was well over a month ago that I specifically told him NO and he kept lowering his fee I still told this jackass no and he said he would destroy my INFO which he did not and today he used my info to steal $199.00 from my bank account I contacted him about this and his claim was that was for his services this jackass never did anything for me and before I could get home he tried to steal another $300 from me twice and it alerted my bank and My account was red flagged as fraud I had to request a new card and they have sent the $199 to their claims department so i can get my money back This guy is a JOKE Please,everyone be aware of this guy i would not recommend trying to use this guy to anyone he will take your money and Run.....JOE IS A LIER AND A THIEF....In order for me to submit my review I was required to pick a star... this loser does not deserve not 1 star read more

This guy is a scammer! Check the BBB complaints before you send him money. He scammed me for $500 and never did any work. After you pay him he does not answer your call or text.. Consumers Beware! read more

Complete waste of my hard earned money. He harassed me for my g payments and once I paid in full he fell off the face of the earth and ghosted me, then blocked me. He did not get one dang thing removed, after emails and emails and texts promising me results in 10 days. What a joke. This guy is a scam artist please don't be stupid like I was & can't believe he is still in business and not in jail. He literally did nothing for me except waste my time money and stress. read more

This place is the real deal, y'all! I was recommended to Joe by a friend a while back and was exremely skeptical of how this was all going to work, especially me being in a different state. I decided to take my chances and I am so happy that I did. Joe made the entire process go nothing but smooth and I didn't have to do a thing. I will always recommend Joe and 123 Credit Restoration to any of my FL friends because I know that I can confidently recommend them to get the job done, even with all the miles in between us! read more

This guy is a fraud!!! Do not pay him or use his services. His phone # is a dead line that goes to voicemail 24/7. I paid $400 upfront for his services. I don't see anything that has been removed because my credit score hasn't shifted any!! He must only check his email once a week and still lucky if you get a reply. I've been getting promised 4-6 weeks for the last 10 months. Stay away from this scam artist. FRAUD!!!!!!! read more

He disappears and goes to jail comes back claiming he will not refund you due to how much work he already completed. He is a fraud. He said happiness guaranteed but no refund read more

Thanks for changing my life...Joe got my credit score from 500 to over 700 in a matter of a few months and I recently purchased my first house because of it...Thanks Joe and 123 Credit restoration..This is the best thing I ever decided to do! Life Changing read more

Joe from 123 Credit Restoration initiated a text July 8th, 2019 @ 10:13am EST. We sent may messages back and forth as the price was steep and I was skeptical at first as I wasn't sure if the company was real or not. After speaking to two family members and reading reviews of this company I decided to go with them. After seeing and getting dispute messages from the credit bureaus I was starting to get my hope ups, especially when my score jumped 115 points. Mind you, I have been in constant contact with him checking to see if specific items would be removed and it all 40+ items would be taken care of... Anyway, I stopped getting notifications I reached out to Joe via text and said, "Hi, I hate to bother you so late, but I was checking to see if you were still working on my credits and accounts? I used to get dispute emails, and I have not gotten any at all for a very long time... Please advises as soon as possible, thank you." His reply to me was, "Yes the updates are coming by mail. I'll check them Monday for you. No worries. Thank you. I then said, "Oh... why by mail, not emails? What changes?.... he then replied, "No reason. It's what we deemed necessary this time.. I got concerned when I read that and followed up with, "Hmm.. I hate to be so blunt, but why or what made become deemed necessary?? He then said; "It's normal. You will still get updates via email also. Check with me Monday. Well, that conversation started Saturday, October 5th, 2019 @ 6:2pm EST and went till the last text from him at 8:33pm EST... I forgot to follow up with him that Monday as I have a lot going on in my life right now.. So, now it is Sunday, November 23, 2019 and I sent a message at 12:25am EST saying, "Hi, I was just checking in... It's been over 90 days and my credit hasn't changed? I am not trying to be a rude customer, but this is very frustrating as you told me it would be repaired in 90 days for the price I paid. My message turned green, and did not go through as a blue message as Joe has an iPhone...So I followed up with a phone call, I got a sketch British woman speaking and I left the same message.. I am not sure what happened with this, but I should've seen the red flags prior to entering and paying $799.00 for this. Anyway, I will be calling my credit card company to report. I was just reading reviews of this company and I see that people, who actually maybe people are being told now they aren't clients. If that's the case, then I have 30+ text images that I screen shouted and will more then happy to share with anyone. STAY CLEAR FROM THIS PLACE, IT IS A SCAM - DON'T WAIST YOUR MONEY OR TIME read more

took my money.and has not contact me since ,does not return calls or txts.voice mail has been full for a month.ive reported him to bbb.has not responded to them either.do not give him money, read more