I have seen and heard a lot of things about credit repair services and I can only go by my…read moreexperience. In all my years as an adult, I have never really learned anything from the multiple credit services that I connected with, it was always about money and even still after I paid, I didnt learn anything of value. But since I have been working with Ray and his team, I have learned soooooooo much. Been with him for a couple years now, and my credit is now close to 750. I had 2 little secured credit cards when I started and now those cards are gone and I now have 8 personal credit cards and one Amex Business Gold. Honestly, it's not just what Ray can do for us, it's how we manage our credit, discipline our selves, pay by due dates, knowing when each card reports to the bureaus, etc, etc, etc......and its really not easy!!!! and Ray spends hours and hours teaching us the basic fundamentals of good credit along with building corporate credit as well if we want. I see people writing stuff that's not nice about Ray but we honestly have to do our part and so what if we have to pay (is he supposed to hand wisdom over for free? NO!) .....learning how to be patient.....listen to his LIVE workshops over and over is what we are SUPPOSED TO DO if we want to learn!!!!!! This world is so microwave and wants things immediately when thats not what he is trying to teach us!! Im learning that this is not an overnight process. Ray says the mind needs to hear something over and over to change. And that's so true because im a Therapist and in order to change a behavior, we have to recondition our mind which takes time. We have bad credit because we don't have the discipline to keep our credit in good standing!! So changing my behavior concerning my credit has been a job within itself. I also have a Corporation now and a Non-profit that's growing as well. I especially want to thank Ray for the FREE entry to his 3 day summit AND working with me with other classes as well as being a part of his Express Credit program. I look forward to learning more and partnering with him for Auto Income and I plan on supporting his company because I truly see how he supports us!! I'm Grateful! Thank you Ray!! Thank you Santos!! And thank you Brandy!!! And Nicholas!! The teamwork is Dynamic!!!! I truly understand that im a part of something big that will definitely change the world!!! From TiTwan.

Ray Reynolds Financial Solutions made a lot of promises but delivered very little. Every concern or…read morequestion was met with another excuse, misleading explanation, or questionable "solution" that didn't feel legal or ethical. I felt pressured, misled, and completely disappointed with the results after spending my money. One thing that really bothered me was how often they referenced God and faith to make themselves appear trustworthy and honest, while their actions showed the opposite. Using religion to gain people's trust while failing to deliver real results is wrong. I would strongly caution anyone considering doing business with this company. Do your research carefully before giving them your money or personal information.

Agahbi was super informative and straight to the point. She took the time to listen to mine and my…read morehusband's financial goals and concerns. She was prompt with feedback and we are so appreciative of all of her work. We highly recommend her services to meet all of your financial goals.

As a client of "The Simple Penny," Aghabi (Founder) shares her passion in assisting others in…read morereaching their financial goals. Either it's creating emergency funds, a retirement plan, augmenting your savings account(s), and the dreaded credit card(s)/student loan debt. I sought the services of Aghabi, quickly! Once before, I worked towards eliminating credit card debt and followed a stringent budget, which allowed me to pay myself 15% per month. Unfortunately, I fell off track and consulted with Aghabi who said she'd gladly assist me in increasing my savings accounts and eliminating my credit card debt. My financial "diet" plan began on March 1st. Since then, my mindset of what and how I spend has changed tremendously. Aside from Aghabi's plan, I have re-implemented "No Spending Day(s)," which I have done before. I'll be on a 3-Month Plan and I'm excited to see how much I've saved and normalizing this new habit of how wisely I'll spend. Let Aghabi collaborate with you in attaining financial freedom. Aside from her inspiring testimonial, she has helped others such as college students and friends like myself! All it takes is one email or a phone call to get started with your journey of being financially free!

Working with Kyle Clark has been a standout experience from start to finish…read more After a deeply frustrating experience with another financial advisor program, I was cautious about starting over, but working with Kyle has been a complete 180. From the start, Kyle was thorough and patient. He walked me through transferring all of my existing funds, helped me establish clear savings goals, and gave me concrete, actionable guidance I could actually act on. What impressed me most was his timing: all of this unfolded during a period of significant personal transition for me, and he handled every step with professionalism and calm. The results have spoken for themselves. My portfolio has reached record highs, and for the first time, I genuinely feel in control of my financial future. If you're looking for an advisor who is competent and steady under pressure, I can't recommend Kyle highly enough!

David gave a very helpful consultation. He is knowledgeable about tax and explained in easy to…read moreunderstand way.

When I was newly retired, I had 2 savings accounts: a tax-deferred annuity and a Roth IRA, growing…read morewell in mutual funds; however, I was ready to do something less volatile. Perhaps because I was a long-time saver/investor, Matt found me "at the right tine" via what's similar to a robocall. I did not know him, but he had valid credentials as a financial planner; so, I agreed to hear him out. Matt suggested an account in which he himself was not invested, but looked good on paper - growth was supposed to occur if the market did well. I should have asked what his commission was, as I'm sure that info would have knocked some sense into me. During my 4 years in his recommenced investment, the market climbed and the "returns" were as good as stuffing cash in a mattress. During those 4 years, I ignored his attempts to convince me to withdraw money and invest it in another one of his recommendations because (1) I was losing confidence in him, and (2) Withdrawing money to invest elsewhere meant another commission for him. I found another investment guaranteeing 4.5% dividends and designed an excel sheet to calculate how long it would take me to exceed the 1% yield I was getting thru Moore, paying penalties for early withdrawal. This was a good move for me, as I considered my 4 years with him as lost growth opportunity, plus a hefty non-refundable commission paying Matt to recommend such a poor choice. Actually, his commission is refundable during the first 30 days - how can you tell in 30 days how good an investment recommendation is? No one cares more about your hard-earned savings than yourself. Do some research and handle your money yourself.

i live in georgia and carlos serna took my case i can say without a douubt we lost it all if it…read morewasnt for carlos!! dedicated is an understatement! we got all mixed up when lenders was selling my loan ever other month! if you want the real deal & your in trouble with your home or jusrt need gudiance please let carlos help you!!!! you will not regret it!!!!

Carlos did not help us at all, months he didn't contact us or call us back. When our home when to…read morethe magistrate, I notified him, he didn't contact me back our home was sold with out my knowledge and he still was trying to find funding for my mitigation institution of filing for me to keep my house

Manny has been a great help at getting my credit back in order. He is very kind and works hard to…read moreensure the best result. I am so glad that I reached out to him for my credit repair needs and confident that I made the right choice. I'd recommend him to anyone!

Manny is amazing at what he does. He's professional, knowledgeable, and truly cares about helping…read moreyou improve your credit. He explained everything clearly and made the whole process stress-free. Highly recommend Manny for credit repair!

I have worked with Sergio for many years now and he is the best at what he does. He is…read moreknowledgeable, honest, passionate, and patient with me during tax preparation. He is extremely well versed in the income based repayment strategies, especially when it comes to dentists. He has been active on many different platforms from SDNdoctornetwork, to dentaltown, to even reddit where he clarifies important student loan topics for all to benefit. I love that he thinks outside the box and gives me a very personalized recommendation for my questions. While we only speak a few times a year, I feel at ease and cared for whenever I speak with him. Highly highly recommend Sergio! He's the man!

I've known Sergio for a long time. One thing I've always valued is his outstanding knowledge of the…read morefinancial loan climate as it pertains to medical/dental school. His financial assistance helped me navigate through school, setting me up for the most strategic ways to borrow, spend and pay back money. Now that I've graduated, my wife and I consult him for debt and tax management. He even helped us save money each month on loan payments! I definitely recommend Sigma Financial Solutions, you will find the right guidance and efficiency in managing your finances.

I had a great experience with Danny. He is very responsive and professional…read more Danny was ready to answer questions, always responsive and supportive throughout the process. Any time I had questions, danny was available to help and make sure I understood what was happening. He made what normally feels like a stressful process simple and straightforward. If you're looking for a credit consulting company that is professional, transparent, and committed to helping you reach your goals, I highly recommend Pioneer Credit Solution.

If you're looking for real credit education and not just quick fixes, this is the place. They…read morehelped me understand utilization, collections reporting, and lien negotiation options that I didn't even know existed. I feel so much better applying for financing now.