He settled a car debt from 16,000 to 3500!!! Unfortunately, my husband and I decided to use all the money we had to have a baby. Thus, ruining our credit at the time. He is so understanding of your situation and no doubt a life saver, and saved my credit!!!!! Will definitely work with him in the near future. read more

I am adding to my previous review, I forgot to mention he did this removal of this incorrect item in 26 days, yes 26 days less than a month! My score is now up over 700, these people are absolutely amazing! They are now working on a couple more items for me, and I know I am in good hands! read more

I cannot put into words the impact Dave has had on my life. When I built up the anger and courage to reach out to his credit repair company I didn't know what to expect. At the time I was cut off from the financial world and all it's opportunities. My credit score at the time was low 400's and I knew I needed help. Point blank. Dave, saved my life. My credit is high 700's now. The freedom is a feeling I can't explain. This wasn't an over night fix. It was a process. But I trusted Dave knew more than I did at the moment and I trusted his experience. I never personally met Dave, he might just consider me another client, but I consider Dave a friend. So much so that I am going to email him immediately and let him know I left this review. Thanks Dave, for giving me a chance in this life. Because now I have endless opportunities. read more

Couldn't be happier with Dave's expertise when it came to having my credit fixed. My credit went up 3 weeks after hiring his team to help me out. Great communication and best part is that he works with you. He doesn't charge you until he has items deleted. All items were removed and my score improved drastically. Thank You 740Plus for helping me out with my credit. read more

Dave is very helpful and knowledgeable when it comes to getting deletions on Collections accounts. Working with him was a pleasure and it helped me immensely so me and my girlfriend could buy a house! Definitely would recommend him over other places that just sounds simple dispute letters. read more

David was very informative, professional and extremely helpful. He's clearly the best!

As a mortgage broker, I only trust Dave to work with my clients! He truly knows the in's and out's of credit reporting. Most recently, I had a client qualifying to purchase a home with a fico score in the high 600's. Working with Dave, we were able to increase my client's qualifying FICO score to the high 700's. Quickly and efficiently! My client literally saved a $100 a month by taking Dave's advice. read more

One of the most important factors in the personal finance game is your Credit Score. Low interest rates on credit cards, auto loans and real estate mortgages are not given by chance. The higher the credit score, the lower the interest rate. Some times, things happen. We find ourselves extended, maybe miss a payment or in my case too many Hard Pulls. Not only was David at 740Plus very responsive and helpful, he also provided tips and a strategy to get my credit score increased and keep it there. No gimmicks. No hard selling. Just a personable and professional approach to my situation. Two thumbs up for David and 740Repair. Thank you! read more

Dave Schram is not professional and only works with people, if there is a positive outcome for him otherwise his mission will be to outsmart you somehow into a contract to receive a payment for something he is otherwise not entitled to. Dave Schram, did not help me with my credit, and after I handled it on my own he still wanted payment, of course I did not pay him because he didn't do anything to help. So guess what he does, he sues me to pay him, because I had a contract with him and even though I handled the deletion of the negative reporting myself he still tried to sue me. My overall thoughts, he's unprofessional, a scam artists that tries to make money off of you instead of helping with hit credit. read more

Don't ever do business with this agency. They are debt collecting company. They ask the same amount that you owe to creditors. In another words they want the full amount that you owe to creditors and in return you get your record cleaned, well duh. At the end you will end up paying the same amount that you owed. read more

Dave Schram at 740Plus saved my credit! I payed another credit repair company a good amount of money for over a year and saw little progress. It came time to buy a home and I wasn't able to because of a derogatory account that was impossible to remove, according to everyone I spoke to. Called Dave and he told me he would have it removed in time to save my loan! In one week he did what nobody else could do and I'm in the process of getting my loan as we speak!!! I'm so glad i came across 740Plus I was on the verge of giving up! Great price, very well worth it! read more

Dave is definitely a 110% straight shooter and he will not to tell you he can help you if he can't. Dave got all bureau deletions with eight companies including charge-offs like he promised and sometimes he even 100% completely wiped out the debts I owed in contracts with the creditors & debt buyers but he did not promise that--just amazing! Dave and Marti are the Best and you will not be disappointed with their hard work. read more

I was purchasing a home and found something negative hit my credit just as I went into escrow. It was gonna raise my mortgage over $1000 a month. I had a great credit repair guy and he said it would take 30-90 days which wouldn't have helped. My loan broker Daniel Prystupa referred me to Dave Schramm. Magically IN 3 DAYS he removed it and got me a letter of deletion. Saving me over $1000 a month for 30 years. He's simply amazing. 5 stars read more

Dave Schram is the most legit go to guy for credit related issues.I went everywhere and no one would help me everyone posted online they can fix your credit but when it came time they said they CANT get deletions. When it came time To talk to Dave he confidently let me know that once he looks in my credit file he will know what he can help me with what he can't. He called me and said he can take care of all! We agreed on a plan.He went above and beyond for me. I owe dave he helped me for my future.Thanks again Dave and Marti! read more

Dave has truly changed my life. He is honest and gets to work right away. When they say. " they don't make them like they used to ". It Pertains to Dave. I wish most people had a business practice like this. The world be a much better place. Thank you for existing in my life. read more

Absolutely brilliant. I was buying a house and the guys from Mortgage capital partners (Micah Raff and Thomas Bayles) recommended I get my score from 690 to above 740 to get me a better interest rate. 24hrs later, I'm at 790 and dropped .5% on my mortgage. Best money I ever spent. David swore if I didn't get results I wouldn't pay a sent. I hope I never need credit repair again, but if I do...... I know where to go read more

10/3/2016 Felt the need to update after a few months of my own efforts and research. I decided to use a completely different firm to assist with my repair needs over the last 3 months. My scores are now all 700+ across all bureaus. Go figure Dave. The firm worked with me on each collection one by one, coached me on credit best practices and gave me step by step instruction on how to handle. Something David was not able to accomplish over a year of back and forth and "special tactics and relationships." They negotiated properly and professionally on my behalf and garnered amazing results in 1/4 of the time. If you need real credit repair from real people that somehow charge less and over deliver, all hope is not lost, you just won't find it at 740+. read more

Dave is Fantastic! He took care of a BS collection that showed up on my credit report while I was trying to secure financing for a home. My perfect credit was decimated over a measly $148 collection for Directv equipment and I was in jeopardy of not qualifying for a new home for my family. After days of anguish and frustration, I called 740 Credit and Dave went to work! The guy is no nonsense and presented me with a contract in which I only pay upon successful resolution. Outstanding! If he can't get it done you don't pay!!! I am happy to say he got it done! I was beyond thrilled and I was happy to pay the reasonable success fee. The guy is a Pitbull and took no BS from a very aggressive collection agency that did not want to delete their collection. BAM!!! 3 days later... Dave for the win!!! Take that heartless collection agency! Thanks Dave!!!! read more

I had a collection agency calling me daily for years trying to collect on a 2nd mortgage debt for a property that I had a foreclosure on. I didn't have the money to pay them but I wanted to get the debt cleared off of my credit so that I would qualify for a refinance on another property that I still owned. David Schram was successful in getting a complete charge-off of the nearly $40,000 debt and deletion from my credit report. I am now about to close on the refinance that I wanted to do and am paying a significantly lower interest rate that will save me $200 per month! Needless to say, I would highly recommend David to anyone needing credit repair/advice. Thank you, David! read more

Great credit expert. Dave Schram and his company have helped dozens of his clients raise their scores and get into a home. He's the only credit specialist I've worked with more than once. He's very honest and up front about what he can (and cannot do). read more

PART 1: Business Practice To me the first and most important thing when having someone deal with your credit is that they are honest and trustworthy. Because of issues in the past where people who were supposed to handle very sensitive personal information were careless, I was was very hesitant. Dave and Marti were the best and in the end I felt very safe. They were very respectful and I had absolutely no issues. PART 2: Service So I needed help with a settlement, finding out about an account that was having negative affect on my credit and deletions. I appreciated that Dave was clear on the odds of each one. He never over promised on anything and made it clear that despite hard work not everything is fixable. Well, he fixed everything any way :) I feel so happy. The best part was the settlement, he settled for an amount that we could actually afford to pay. Both my husband and I feel free from a horrible situation that has been following us for eight years. For me and my husband the hardest struggle in our lives is over. How do you properly thank someone for that? I would happily work with Dave anytime. Five stars all the way! Helpful Tips: 1. Ask questions! - Dave is full of helpful info 2. Turn in all the paperwork as quickly as possible - the faster you do, the faster it gets resolved read more

Bottom line: If you are in a position where your credit and/or your credit score/FICO are in need of rehabilitation, and you are willing to make the effort required to fix things, then you should call Dave at 740Plus Credit Score Repair. He will either work to resolve your issues, or advise you on how you can yourself. I've read the 3 negative (the only negative) reviews for Dave on Yelp, and I can tell you that all three seem to be written by people who lacked the competence or the patience to work through the long and tedious process of fixing your credit. Dave was not the problem in those situations. My personal situation was one where I needed to work on increasing my credit score by going through my years-long credit history and paying off, negotiating, or legally removing items that were in default or late or forgotten about. I tried to do this on my own and quickly realized that its a massive effort to organize and compile all the information needed just for one credit account. I contacted Dave, who took a look at my credit report, and then provided a very clearly laid out plan with a clear fee structure and a very clear expected timeline for what may be possible. I had called other financial advising companies prior to Dave, and none of them were as thorough as he was in laying out the legality and financial issues that are involved in credit repair - and in providing a plain-english explanation of what is possible legally and what others try to do to try and cheat the system. Once Dave took my account on for review, he was quick to act, and I was very impressed by his extreme professionalism and diligence - - as if my account was the only one he was working on. He is very persistent - which if you are the kind of person that is needed help with organizing and repairing your credit, is exactly what you need (if you were persistent and disciplined about managing your personal finances, you wouldn't need to be calling a credit repair advisor would you?). A negative review written here mentioned that Dave called repeatedly about getting required information or paperwork to complete the repair process. I am not sure why this is a bad thing. I know for my personal case, I would either forget or misplace or just drop the ball on getting back or following up on items - - Dave was incredibly patient, and yes he did call and leave messages more than a couple of times - but I am grateful that he cared enough to do that when I couldn't do it myself, and in the end the result was a marked improvement on my overall credit health, FICO score, and most importantly, my personal wellbeing - - my stress levels and personal financial health have improved immensely since hiring Dave to help me with my credit. To summarize: whatever negative reviews you see here are much much more likely to be written from people who either never actually worked with Dave, or just uncooperative in the process of improving their credit. Dave is diligent, very knowledgeable of the credit reporting process/protocols, has relationships with many of the credit agencies and lending organizations, is very persistent (to the point that he will make sure you do your part to fix your credit, even when you're too lazy to act on your own), and his services are priced very reasonably given the high level of service and results you get. Fixing your credit is a long process that takes time and effort. Anyone who tells you otherwise is either involved in shady practices or doesn't know what they are doing. I've already referred multiple people to Dave, and I whole-heartedly recommend him and 740Plus to anyone in need of honest, reliable credit repair services. read more

Excellent! Dave did exactly what he said he would do. He provided excellent communication with updating me every step of the way. DO NOT HESITATE! Thank you Dave!!!! read more

Dave is awesome! There are so many companies out there claiming to fix your credit, but Dave is the real thing. He is honest from the start, that he promises nothing, but he does promise to try his best... and his best is amazing. He gets actual deletions, unlike other companies, and he is 100% ethical and honest in his approach. The communication is great, and he is really on top of things. The more you work with him, and get him the things he needs promptly, the faster things will happen. I went from having terrible credit, to preparing to buy my first home in less than a year. To top it all off, he's just a really cool guy :) Thanks Dave, we will keep referring you to everyone we know who has any kind of credit problem! read more

Dave is the real deal. He is persistent, diligent, ethical and down right awesome. Dave took my score from being pretty wrecked to pristine in about a years time. I owe the fact that I own a home to Dave. I also recommend him to all of my clients who are on the path to homeownership and have had a few blemishes in the past. He's phenomenal at his job. If I could give six stars I would. read more

Trustworthy, kind, quick, direct, and successfully repaired my score 40 points higher while in escrow! Thank you! read more

Dave is absolutely amazing! He's completely ethical, knowledgable, personable and professional. Before being referred to him, I'd always been skeptical of credit repair folks as scams, but Dave reviewed my case, saw what he needed to do and where creditors had acted in bad faith, and was tenacious in getting "dings" removed. He's the real deal. If you have surprises on your credit report, or even if there are times you lost focus, talk to him before you take another step. He knows what he's doing and gets results. read more

Dave just so you know I appreciate the work you have done for my credit issues. Thank you so much once again. read more

Dave is Excellent! He delivered with remarkable results! I am so excited about my credit. Thank you for all your help. Highly reccomend!

Dave did a great job! My loan officer recommended him, and he was able to get two bogus medical claims deleted even in the middle of the coronavirus shutdown. Excellent communication, and results speak for themselves. Highly recommended! read more

Dave has been a great help in getting my credit score up - and fast! He knows his stuff and will tailor a plan custom to your situation. I highly recommend him. read more

It's a scary thing to take on the credit companies. I had a large amount of debt related to some questionable billing. After awhile of fighting them, getting harassed, I knew that I was not going to prevail. I did some searching and after doing some heavy research, I chose Dave Schram. It was kind of scary to sign over some legal rights to him but at that point, I just had to go with the reviews and a hope. Dave was clear, professional and Honest about what he could do for me. He did a great job at settling some of the credit lines for a lot more than I expected and some, not as much, but I saved a ton of money overall. He was super patient, very prompt in my questions and it was clear that he seemed to do this as much to help people as he did it as a profession. At least, that's the sense I got. He took on the calls from creditors right away, which in itself is worth the choice of hiring Dave. He and Marti were a godsend in a time of stress and grant you, I did not meet them, until it was all completed. He worked extremely hard on faith as well. I will recommend Dave to anyone I know in a similar position. In fact, I already have! read more

David Schram is a stand-up professional in the credit repair industry. His passion for helping people shows through. He gave me even more helpful information then I asked for and with his guidance I was able to increase my credit score over 100 points, within 2-3 months. Now I'm able to buy a home. Thank you!!! read more

Dave has done so much for me this past year, he truly has changed my life. He genuinely cares about people's credit, and says it exactly like it is, even if it's something you might not be prepared to hear. I will start from the very beginning. In February of 2017 I realized it was about time for me to purchase a home, however my credit had been tarnished by several little *bloops* these past few years so I knew I would have to overcome this huge barrier to even start thinking about purchasing one. I found Dave on yelp and decided to give him a try. I followed the instructions he provides on his website, and within a couple of hours he returned my call. After carefully reviewing my report he told me exactly what he could do, how he would do it, and what my expected outcome would be. I put all my faith on this guy and I do not regret one single penny spent. We began the credit repair process at the beginning of March, by August I was approved for a home loan, and on October 20th I became a homeowner. Dave made this possible with his knowledge and expertise in credit repair, he is a credit guru! Disclaimer: You will NOT get any results if you do not put in your part. As much as he did for me, I know I would not have gotten the amazing results I did had I not been as responsive to all his requests as I was from the beginning. The reason I got myself into this mess in the first place was because of my lack of responsibility in my finances. Likewise you can not expect to hire someone to just do the entire job for you. You will achieve maximum results if you put in your part, which will seem tedious and time consuming at first, but it is so worth the extra effort. And in reality, it's not "work", it's just getting it done, getting forms signed and returned ASAP, sending documents that may be needed. It is not an easy fix but with Dave rest assured you will 100% satisfied with your results. He expresses the importance of responsiveness and accountability on your end, and it is absolutely paramount in achieving maximum results. I sound like Dave now. Thanks you Dave and Marti, you da real MVP! read more

Arturo cabrera navarro The best of the best David very responsable and reliable person Honest and Deal with any credit issues Fast without problems read more

I'm gonna keep this short and sweet! I was a 533 fico when I hired David! 9 month so later I had a 732. Done deal

WORST PLACE YOU CAN GO. I told the truth and he thought im a thief or some kind of a fraud guy. I told the truth about the late payments and he assumed I want him to help me illegally. Im in a bad situation and i need help. He said he cant continue with my case. Wasted 30 dollars on a credit report and at the end they screwed me over. Dont recommend anyone going there. Very rude and disapointing. read more

I would not recommend this place to anyone!! Dave called me today to discuss about the fee and how we will start the process.. He was explaining to me how he will help me build my credit since my credit is bad... I was taking note of everything he was saying, but I noticed every time I wanted to talk he will cut me off, or he would said "what" (smart ass) I was surprised how he will answer me that way... I was just concerned, The things he will tell me didn't make any dam sense. I had spoke with Experian yesterday to clarify some accounts on my credit and I mention to him what Experian told me and he seem to get upset because I contradicted his words... Then he refused to start my case.. Which its great anyways I wouldn't had done business with this guy since he sounds like a total crook... I don't know how this man has 5 stars what a waste of my time. read more

I highly recommend this company. Dave gave me excellent and simple advice on how to raise my credit score. He genuinely cares about helping people. read more

David was amazing at getting my credit back into a viable range!! I was pretty much in despair over ever having good credit again, but one month after working with David, I qualified for a $50K car loan!!! Fantastic! read more