Where should I begin, for many years I felt so unhappy with my financial status. I had made some…read morereally poor financial choices that affected my credit score. Believe me, it took a lot of courage to pick up the phone and make that appointment. All I knew I needed some kind of outside expert to help me improve my credit score. After reading the reviews on Yelp I did not hesitate to called Brilliant Credit. I had a consultation with Crystal Mayoral. She was amazing!!! THANK you so much. She was so informative and caring. You could tell she really cares about the clients needs. I felt so comfortable and I understood. I also met with another representative from brilliant credit ( sorry I forgot her name) . She was very professional and informative as well. Thank you for your knowledge and expertise. I left brilliant credit feeling so hopeful, confident, and knowledgeable. I cannot wait for this journey to unfold. I know big changes are going to happen. I cannot wait. Thank you Brilliant credit!

Extremely disappointed in the service. I've been using this company, specifically working with…read morecrystal, for 4 years now for my student loans. I've been calling for the past year trying to get my loans situated and I get no call back. Last week I finally got someone to answer they told me Crystal is not in but they will look at my account and find out what I need to put on my taxes. I told them it was urgent that I got the info that day since my accountant was working on my papers. The lady assured me she would call, leave a voicemessage, abs email me by the end of the day. A week later and not only did I not hear back from them but they are not answering any calls. I loved working with Crystal but the stress I've been under because of the company putting me on the back burner is not even worth it at this point. So sad I have to find another loan advisor.

CAUGHT IN A WEB OF USURY LAW: Warning to Consumers OR…read morePotential Clients: This agency presents itself as a "professional" California debt collection company, but our experience exposed serious problems that every consumer or potential client should know: * Zombie Debt Purchases: Creative Recovery Concepts, Inc. pursue dead, or expired debts that were already sold off multiple times -- sometimes years after the original creditor closed which makes summons illegal. * No Notices or Disclosures: Before demanding money, they failed to provide proper notices, disclosures, or validation of the debt. * Threats Without Authority: Non-attorney staff made intimidating legal threats over the phone, including inflated balances that were never explained and violation of privacy. * Usury Concerns: In California, charging above the legal interest rate is prohibited. Yet they referenced rates far exceeding state law caps. * Unlawful Practices: Instead of following consumer protection laws, they relied on pressure tactics, misstatements, and misrepresentations. A truly professional agency would validate debts, follow the Fair Debt Collection Practices Act, and comply with California usury limits. Instead, this outfit appears to exploit confusion and fear. Consumers should be cautious. Always demand written proof, check your credit reports, and confirm court filings directly with the courthouse before responding to any demand. Good luck we look forward to taking them to court and you should to, use your resources to research and question anything they do. Especially if they took your money without notice. Red Flags in CRC's Website Statement "Although taking legal action is always a last resort, it is oftentimes necessary. We will only sue after we first obtain your written authorization." If they sued in 2022/2023 without the true creditor's ownership or proper standing, this is fraud. Claiming they only sue with "authorization" is contradicted by your case, where Grassy Sprain had already sold the debt in 2021. "CRC pays all Court Costs and Attorney's Fees." This suggests they finance litigation for their clients -- champerty (illegal in some jurisdictions if they don't have ownership). If they're filing lawsuits without standing, they're essentially fronting costs to create fraudulent judgments. "Our 'Large Balance' collectors specialize in legal collections... each collector has more legal experience than most Legal Collection Managers." Debt collectors are not lawyers. If they are holding themselves out as having "legal experience" but aren't licensed attorneys, that's unauthorized practice of law (UPL). That is illegal under California law. "Customers are hiding, hoping not to be found... not eager to pay us for the amounts they owe." This is hostile, derogatory, and prejudicial language toward consumers. Suggests intent to intimidate rather than negotiate in compliance with FDCPA/California Rosenthal Act. "Our staff specializes in locating assets (real estate, bank accounts, wages, autos, etc.)." This reads like they're boasting about skip-tracing and asset-hunting, but that's only lawful after a valid judgment. If the judgment itself is void, then any asset-hunting is invasion of privacy and unlawful enrichment. "Legal Collections is an art, and our collectors are artists in their craft." They literally admit their business model is built on litigation and intimidation -- not on fair collection practices AND creatively UNDERHANDED.

I have placed a large portfolio of accounts with CRC and I have seen consistent and ongoing…read moreresults. This is a highly organized and well experienced staff of professionals by my personal experience, and my portfolio of debt has shown a faster turnaround than I initially expected. Needless to say, I am very pleased that I placed my portfolio of debt with CRC and based on what I have experienced, I will be assigning additional collection accounts wit them.

Ver good at taking your money but I did better fixing my own credit learning it in my own ..but…read morethis guy very rude very unprofessional very insulting ..I'll give him a 1 star because he is very believable in the beginning ..but he's a scam he doesn't fix anything

If you want to give money away this is the guy. Claims to help improve your credit score ot at…read moreleast work with credit bureas I have sent him 2 client, no activity, no response. Does not know how to comminicate, nor is he a man of his word. Has promised one of my cleints a refund, then ABSOUTELY NO COMMUNICATION. The other client has been sending updated consumer credit reports, and again NO communication. I only put one star, as I cannot figure out how to put 0 stars Again if you want to give your money away give to Rob SIMS

I have been a client of Lighthouse Financial Services since June 1997. Over these 27 years the…read morefinancial markets have soared and crashed but through it all we have always recovered from the lows and exceeded past the highs. Unless you have complete trust in your financial advisors these fluctuations would be very stressful. With Lighthouse managing my portfolio they have proven over decades to be honest, reliable, and highly qualified stewards of my investments. George, Rob, Mike, Muey and their entire staff are respectful, available, and provide clear and understandable advice in managing my investments. They have earned my trust. I have been very pleased with their tax preparation services too. I have confidently recommended Lighthouse Financial Services to both friends and family members.

We have been with Lighthouse Finance since August 2018. We've had the opportunity to work with…read moreJayce, George, and Dustin. Everyone has been kind, thorough and knowledgeable. The firm has worked for us through the financial planning, transfer of funds and management of our portfolio. Although it is not large, it is what we have and they are helping us protect, manage and use it as we see fit. I would recommend their services. Maureen and Ross

I spoke to Mr. Wilens, he was extremely knowledgeable and I really appreciated what he said…read more He gave me advice and was up front about my situation. I feel he was fair and honest about what to expect.

I had an extremely disappointing and concerning experience working with Jeffrey Willens…read more Throughout our engagement, communication was inconsistent, unclear, and ultimately unproductive. Despite paying a substantial fee, there was little progress made toward resolving my case, and I was not provided with clear documentation of filings or meaningful updates. When I made the decision to terminate representation and requested my client file, the situation escalated in a way that I found completely inappropriate for a legal professional. In a written response, Mr. Willens told me to "stop spamming" him with "stupid AI generated letters" and suggested I "seek medical attention." This kind of language toward a client is not only unprofessional, but deeply concerning. Additionally, there was confusion and concern around billing and communications involving third parties that I did not authorize, as I was the individual who retained counsel and signed the agreement. Rather than working toward a resolution or maintaining professionalism, the tone of communication became hostile and dismissive. As a client, I expected clear guidance, advocacy, and respect -- none of which were consistently provided. I would strongly advise others to proceed with caution. My experience resulted in unnecessary stress, lack of progress on my case, and ultimately a breakdown in the attorney-client relationship.

Credit Comeback and Byron have been truly amazing in my journey of credit repair. He has not only…read moregiven me the steps, but also given me the knowledge to be able to teach friends and family. I never knew how important credit matter until it was time to get a house. Thank you Byron and team for help my family and I with knowledge to keep for ever. Score is going up! Stay blessed !

Working with Byron was the best thing I could've done not only for myself but for my family. He's…read morethere for you around the clock making sure he's helping you get to where you need to be, so that you can enjoy your future debt free and clear minded. Credit comeback saved my credit and saved my reputation with financial institutions so that I can walk in with confidence knowing that I'm not only going to be approved, but going to get benefits for taking care of responsibilities. Thanks Credit comeback, but most importantly thank you Bryon for showing me the way!