I had several legal questions and needed guidance on different options, and Shiva Bhaskar was…read moreincredibly helpful from start to finish. Shiva took the time to thoroughly explain everything, break down my options, and help me understand the best paths forward. His knowledge, clarity, and honesty helped make a very stressful situation, easier to navigate. What really stood out was how genuine and invested he was in helping, rather than making me feel like any other client. If you're looking for someone who truly cares and goes above and beyond, I highly recommend Tier One Credit.

Tier One Credit has stonewalled me for nearly a year. Google reviews are my last resort to express…read moremy frustration--they gave me no choice. In October 2023, I decided to fix my credit to buy a home. I went to Reddit's credit community, where I was referred to u/creditwizard. I hired Tier One Credit Law Firm, unaware I was relinquishing my rights to my own finances. They didn't disclose this. When I signed up, I was under the impression that they would assist me in removing negative items from my credit. I soon realized they had far broader control over my finances. u/creditwizard/Tier One Credit had a strong presence in the community, so I trusted them. I signed the contract and paid the $527 fee. Tier One Credit was involved in the reparation of my credit for most of 2024, removing some negative items--except one. In the initial consultation, Shiva Bhaskar promised any left would lead to a refund. By July 2024, they went silent for months. I wanted closure and the refund they promised. September 12, I contacted Discover Card. The representative told me Tier One had power of attorney over my account. I couldn't make changes or receive customer service without their presence. I was told to request a "drop request" from the firm. This POA also affected my notifications going forward. As a result, for the first time, I had a late payment. I called the law firm at 1:04 PM MST. I was met with an aloof woman who claimed no one was there but took a message. When I pressed for information, she instantly shut down, like guarding a secret. On September 14, I lost my Premier credit card. When I called for a replacement, I was told the same: Tier One Credit Law Firm had POA over my account. My hands were tied. The following Monday, at 2:14 PM MST, I followed up. The receptionist's evasiveness compelled me to record the call for protection. I informed her, but she continued claiming her "colleague" failed to leave the previous message. It was clear that these messages were just procedure and a performance on the law firm's behalf. I demanded answers. I. Got. Silence. It also became clear why I couldn't access my Experian credit report since April 2024. Random addresses and PO Boxes prevented Experian from verifying my identity. To this day--February 2, 2025--I still can't access it. Despite disputes and proof of my correct address, Tier One's addresses remain. They could've fixed this easily. This issue cost me my dream home. When my loan officer tried to pull my Experian report, it was locked due to the address discrepancy. I lost the house I'd searched for over two years. Tier One didn't just affect me--they affected my whole family. Their negligence will have life-lasting consequences. In October 2024, desperate to regain control, I sent a cease and desist letter via certified mail, demanding they stop actions under the power of attorney and refund me fully. Shortly after, the letter was returned. Why? They demolished their office. Shady. I also attempted to get access to our contract from DocuSign, but they had already beat me. It was wiped. After months of fighting, I regained control of my finances and revoked their fraudulent POA. It took months without their cooperation. Their assistance would've cost them nothing. Their lack of cooperation cost me time, money, and sanity. I checked u/creditwizard's profile. They're still active, still hunting for victims. It's clear this firm values profit over integrity. They take your money, then discard you. In my cease and desist letter, I outlined demands, and I've forced their hand on two. These remain: 1. Correct inaccuracies on my Experian credit report, removing their address. 2. Refund the $577 fee, along with any undisclosed charges for their failure to be transparent and the stress they caused. This is my only shot at justice. I hope Tier One Credit learns integrity and doesn't abandon clients once paid. But I won't hold my breath. Stay far away from them. Thank me later./

I believe the owner of this agency is Sam, and he is a very friendly person! His wife, Alberta is…read morethe sweetest too! After completing the insurance papers she was nice enough to take me outside to my car to tell me how to deal with a accident if it ever happened. She was very detailed, and she really taught me a lot. Overall, they're very nice people and I would highly recommend people to come here! Great experience here, and I know if I ever needed anything I could contact them and get help right away.

I am a long time customer because of the great service. Almost 30 years with Seashore. I recently…read moreadded a new vehicle and Wendy took great care of me. Thanks for the great service. Mark N.

I have only the best to say about this company for its expert financial services. The team is…read moreeasily assessable and always knowledgeable when answering questions. Their decisions in handling my account has yielded incredible results.

The female agent completely missed the mark today and couldn't understand where I was coming from…read more Empathy is essential for truly understanding one another.

FANTASTIC SERVICE by Stephanie Ramirez who manages both our Mercury Insurance auto and homeowners…read morepolicies! She has worked for the company over 8 years and her experience is outstanding. She has made suggestions to our policies that have saved us a lot money! We appreciate that she does what she says she is going to do! She returns calls promptly and she explains things clearly. Service like this is rare and we are proud to have STEPHANIE by our side!!!!

I took out a 1 year policy for a job with no intention of renewing. I made it clear that I was for…read morethis job and I would not be renewing. Like another photographer, all of a sudden after not re-signing I get this bogus collections notice claiming I owe them money. I tried to let them know I am about to go out of business and if they could work with me. With a smile I was told NO. Really? If you need insurance for your business, I am THRILLED with the service, rates and coverage from Howard Burkholz (801) 451-888

Using them only because you need 1 million plus in coverage for most pro-video projects. Then came…read morealong Covid-19. So I receive a Conditional Renewal saying that I have to give up ALL Coverage that involved Pathogens. That would include, infections from cuts, flu, cold, covid-19, mold, spores and just about everything! Instead of freaking out. How about offering additional coverage at a discounted price. This other way what else am I going to do? DUH! Mind you I have never made a claim to anyone at any time. So why am I so ticked. When I called them a lady answered with an accent so bad. I had almost no idea what she was saying to me! Then when I asked to start the cancellation process. She said only (1) person could cancel it. AND! She was always on the phone. AND! She would call me back at her discretion. AND! No matter how many times I called. She was always on the phone. REALLY! This kind of service is NOT SERVICE! It is a blockade against me getting my own money back. Gave them money for years, and Years, and YEARS! This is my thanks?

I just wrote a long and heartfelt review then Yelp failed to post it. As annoying as that is,…read moreGrant, Amber and team deserve the accolades so here I am. This will only be my second review ever. They're exceptional. They fight to achieve your goals and it never feels like a struggle, they're on your team through and through. In 2018 I said I'd refer them to friends and family and we did -- they were all tremendously pleased and just as successful as we were and are. Thanks Grant and Amber! We'll see you again in a few months when it's time to refinance again, LOL!

Grant and Amber are the best loan officers I have ever worked with. When I first put an offer in on…read moremy house, the listing agent immediately contracted Grant. It turns out Grant has been in the business so long that most folks in the south bay know him. Grant was able to vouch for me and I won the bid against a whole cash offer because with Grant as my loan officer I was as good as a whole cash offer. When it came time to originate the loan they were on top of what I needed and got us closed on time. Pretty amazing given how much documents are needed nowadays. I have worked with several different loan officers and Grant and Amber were really the best! I will definitely use them for my next purchase or refinance.

Hello, I am writing this review for Ms. Gwen Truong of…read moreCovered California. She demonstrated outstanding cooperation, clear communication, and exceptional professionalism while helping me understand the Medicare enrollment process. She guided me step by step, ensuring I avoided late enrollment penalties, maintained my financial assistance tax credits from Covered California, and secured additional benefits by applying for Medicare on time. She stayed in regular contact throughout the process until my Medicare approval was completed. Ms. Truong went above and beyond by helping tailor my policy to fit my specific needs. I sincerely appreciate all the support and assistance she provided.

My mom and I had a very disappointing experience with Anthony at the Covered California Enrollment…read moreCenter on the Friday before MLK Jr. Day. We went in specifically seeking guidance and clarity around my mom's health insurance options after she was recently let go from her job. From the start, the interaction felt rushed and dismissive. Anthony called us back from the waiting room by simply pointing and saying, "Oh, you can come back with me." Once seated, we explained my mom's situation, but he immediately cut us off and stated that her only option was Medi-Cal and that we should just go directly to their office. There was no explanation, no questions, and no attempt to understand her full financial picture. When I asked if he could walk us through her options, he reiterated that Medi-Cal was it. I then clarified that my mom does have passive income from a rental property, which is exactly why we came in--to understand how that income might affect her eligibility. He sighed, asked for the amount, and after we shared it, cut us off again and said we didn't qualify because the income margin is "very specific." When I asked what that cutoff was or if he could explain the options in more detail, he flatly said there was nothing else to discuss. We left feeling like a nuisance rather than people seeking help, confused about my mom's options, and extremely disappointed by the lack of care or basic explanation. It felt as though Anthony was more focused on getting through the day than providing support to someone navigating a stressful life transition. For comparison, we then visited Falcon Insurance Agency in Hawthorne, which had been recommended to us. The difference was night and day. Carmen took the time to clearly explain all of my mom's options, provided visual pamphlets, answered our questions thoroughly, and helped us complete the application. We walked out with my mom's insurance fully secured. Unfortunately, our experience at Covered California was the opposite of supportive, and we left without the guidance we came in for.

HOW ON EARTH AM I THE FIRST CLIENT TO REVIEW THIS PHENOMENAL INSTITUTION !!!…read more I have never dealt with a business that exceeds Fidelity's level of customer service. Never. They are in an absolute class all by themselves. Whenever I go in, an employee greets me immediately and solves whatever issue I have immediately. Always. I would award them 10 stars if I could.

Great customer service, worked with Juan Garcia and he was knowledgeable and professional. Highly…read morerecommend him.