1. MBM Credit Solutions

1. MBM Credit Solutions

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Rancho Cucamonga, CA

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MBM Credit Solutions

5.0 (38 reviews)
Open 8:30 am - 5:30 pm
Updated 2 months ago

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4 months ago

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20 days ago

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6 months ago

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10 months ago

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11 months ago

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2 years ago

Diego and his team are great! I saw positive changes within 4 weeks of my credit score and the information provided is priceless.

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3 years ago

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2 years ago

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1 year ago

They gave me very good service, but sometimes they did take a bit of time to respond back to me.

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4 years ago

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7 years ago

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4 years ago

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6 years ago

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5 years ago

Thank you for your help and knowledge, without your education I would not have received the positive results !!

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7 years ago

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8 years ago

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Review Highlights - MBM Credit Solutions

But to better prepare for our future together we decided to take a course with Diego Merlos.

Mentioned in 4 reviews

Read more highlights

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Team 800 - Team800

Team 800

(90 reviews)

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.

Second Chance Financial

Second Chance Financial

(195 reviews)

would like to take a moment to write an honest, sincere, and genuine review about Second Chance…read moreFinancial. Back in 1998, when I was trying to purchase a house, I needed help repairing and improving my credit. That's when I met an incredible team at Second Chance Financial -- John, Karen, and Wayne. From the very beginning, they treated me with kindness, honesty, professionalism, and genuine care. Thanks to their help and guidance, I was able to buy my home back in 1998. Now, 28 years later, I find myself reaching out to them again for assistance, and to my surprise and gratitude, Karen and Wayne are still there. That alone says so much about the dignity, integrity, and stability of this company. It shows not only how they value their clients, but also how they treat and respect their employees. What always made them different is that they never treated me like "just another client." Over the years, they would occasionally call simply to check on me and see how I was doing. That level of humanity and compassion is very rare today. If anyone needs honest and trustworthy help with their credit, I truly recommend Second Chance Financial. These are good people who genuinely care about helping others rebuild and move forward in life. Thank you, Karen. Thank you, Wayne. And may God bless the memory of John, who is no longer with us. Your kindness and help will never be forgotten.

I had the BEST experience with Karen Molina! So kind, so patient with me and responded to any of my…read moreconcerns, questions right away!!! Very sweet!!! My credit score went up tremendously thanks to Karen and the Second Chance team!!! Amazing to work with you!!! Highly recommend!

Creative Recovery Concept

Creative Recovery Concept

(6 reviews)

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.

MBM Credit Solutions - financialadvising - Updated July 2026

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