They are the best of the best!!! They are knowledgeable…read moregreat customer service and they go above and beyond. Sandra helped me increase my credit score almost 200pts!!!!! Thank you to this team!!! Highly recommend

Great service, handling all items that they said they would. Will use again in the future if we…read moreneed it!

OakTree Law helped me through my Chapter 13, which is a long, serious, and honestly scary process…read more They made it clear, steady, and manageable. Gus was the MVP -- responsive, patient, and great at explaining things. Julie V. M. was hands-on the entire way, which says a lot about this team. Ask questions. Communicate. This is legal stuff -- they can't read minds, but they do listen. Fast, reliable, professional. Strong like an oak tree -- exactly who you want handling serious business. Highly recommend

My experience with this law firm was short, yet stressful. I'm a young girl with debt that I so…read moredesperately want to get out of. I found OakTree and decided to take the leap and book a consultation. I ended up getting connected with Gus Gomez whom I met with in person. I was told I'd be qualified and to start the filing process I had to pay a certain amount of money up front. I ended up paying the full amount for Chapter 7 bankruptcy ($1,923) to get the process started as quickly as possible. After that, I proceeded to submit my tax returns, bank statements, and pay stubs prior to booking my "1-Hour Intake" (that only lasted 20 minutes by the way) where Gus just ends up telling me that I'm no longer qualified for Chapter 7. He told me my only options were to wait 2-3 years to file Chapter 7, try for Chapter 13 and dish out another $2,000, or back out of the bankruptcy all together. I took a day to think about it, then reached out to Gus to let him know I wanted to back out (he told me if I backed out, I would be refunded my money) because they didn't get far into the process. Never heard from him again. Ignored my calls, texts, and emails. Had my boyfriend call him as a "potential client" and Gus answered his call. This a-hole was completely dodging me. Over a week later I finally ended up getting an email from Ed Pitts agreeing to issue me a partial refund of only $1,423, charging me $500 for a phone call that was performed by a Bankruptcy Department Manager (Gus), not even an attorney. Said his services are considered "administrative duties" and that $500 is their fee for those duties. They failed to be transparent about this "fee" in my consultation and contract. I will be seeking resolution through the State Bar's Mandatory Fee Arbitration Program and filing a State Bar complaint regarding the handling of my case and the supervision of non-attorney staff. Do not recommend this place, this was not a pleasant experience would give 0 stars if Yelp allowed it.

Solid company. Straightforward, responsive, and organized. They helped clean up issues and put a…read moreplan in place to get my credit where it should be.

I signed up with Infinite Financial Firm Credit Doc to help remove several late payments from my…read morecredit report because I needed my credit fixed quickly in order to buy a house. From February 23 to April 21, I trusted the process and was very clear from the beginning that money was not the problem. I even told them I was willing to pay extra if they could work faster and actually get results. At first, they told me I did not need to pay off my credit cards or balances for the process to work. Later on, they changed their advice and told me that if I paid off the accounts, the disputes would move faster and have a better chance of success. I followed their recommendation and paid off the accounts hoping to finally see results, but even after doing that, I still did not receive any meaningful improvement. Instead of offering a faster or more effective solution, they placed me into a monthly payment program and kept telling me to wait. Communication was also very slow, especially from the owner, who would take a long time to respond to my messages and concerns. During the entire process, they claimed they filed disputes multiple times, but I never saw any positive results. In fact, my credit situation became worse instead of improving. After almost two months of waiting, I was eventually told that I should just cancel the service because they were not getting results.I feel disappointed because I spent time, money, and trusted their promises during an important time when I needed my credit fixed urgently. Based on my experience, there was a lack of urgency, communication, and effective dispute strategy. I would strongly recommend others ask for clear proof of work, realistic expectations, and actual progress before signing up.

I recently took the seminar offered by Clear Cents Credit Repair. I was greeted by the host and…read moretheir presentation was very informative. They give you tips and strategies to clear up your credit as well as incentives as part of their online engagement component. I learned about the "Big 3" and how to scan for errors on my report. If you want to work with a company that really puts their clients first and prioritizes you're credit health I highly recommend them!

From the owner: Clear Cents Credit Repair consultants specialize in educating our clients on their consumer rights…read more We partner with our clients to examine their credit reports and scope out areas for credit score improvement. Empowering clients to take control of their credit score for the better!

Credit Repair Co, is simply the most amazing best experience I could've ever hoped for with a…read morespeedy and quick outcome, they actually made results happen automatically! I just wanted to let everyone know, that even though many websites say that hard credit inquiries only effects your credit score by only 10%, and that once an inquiry is more than one-year-old that effect is almost gone, as of course after two years they do automatically delete themselves. However, I have found that credit inquiries effect your credit much much more than that, actually it in many cases can easily prevent you from getting credit altogether when you have to many, or limiting your options for credit limit increases with existing creditors. The one thing I believe, it's important to create a level playing field, there are a bunch of companies that do a soft inquiry to offer you the a certain amount of credit and interest rate and terms to you first, before you except the offer and a hard inquiry is performed, there's also many creditors that perform a credit line increase just using a soft inquiry. However there are just as many if not more creditors that don't understand how they can can just do soft inquiries to do all these credit offerings, and not hurt and ding your credit score, it's actually something that is very disingenuous as creditors already use soft inquiries typically once or twice a year to review your report and to you also perhaps for a automatic increase. Credit inquiries start to have a negative effect on your score once you have more than two on any particular of the three credit bureau's, and it does drop your score a lot, a lot more than they say it does I have found to be the case. Also I find it aggravating that when you trying to shop around for credit and you don't like the term you were offered, or you got turned down, or you simply asked for a credit limit increase on existing account, almost every time, every one of those acts results in a hard credit pull inquiry on one of your reports typically. This is where credit Repair Co. comes in, they directly talk to you on the phone and you can text them after as well, you are able to get on the same page quickly, by them logging into your existing credit karma account you have for Transunion and Equifax, also if you have any other subscriptions to one of the Experian apps so they can get to that report as well, you can simply give them the login into it and they can identify all the inquiries on each of the three reports and basically get started on it immediately! To give you an example, I talked to Jeanette on a Thursday night, and all of my inquiries on my Experian report were deleted that Saturday morning, I do not know how they did it that quickly, but let me tell you that's what happened!! And for the Transunion and Equifax reports, again we talked together about it on Thursday and by the following Tuesday, all the inquiries were delete it off of those two reports!! So literally in five calendar days everything is gone and my credit scores shot up 53 points on Transunion, 46 points on Equifax, and 39 point on Experian. It's hard to compare the scores because the credit karma app uses a AvantageScore 3.0, and my Experian app uses the FICO 8.0. The bottom line is you can trust this company, they give you results lightning fast, you can get all hard inquiries removed easily as they got on there, you can also use the service for regular maintenance to keep your report healthy, clean and accurate!

just getting started the communication is very good. this company was recommended by someone I…read moreknow. seems like it's an honest company and will deliver good result. Having good credit is impactful having the right guidance is even better.

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.

Credit can be intimidating, and I often neglected it for that very reason. However, when I…read moreconnected with Karen, she was incredibly patient and informative. What stood out the most was that they were not pushy at all. I've noticed significant improvements since I started working with them, and they genuinely care about your well-being. I've recommended Second Chance to friends and family who also felt uneasy or stuck. If you're in a similar situation, take a moment to call them. It's worth it! Thank you, Karen, Wayne, and the entire Second Chance team. You're making a positive impact in more ways than you can imagine.

A SCAM. I paid for services, the dispute process was started but no progress was made. Tried…read moregetting in contact with them via email and phone and no response from them or credit bureaus. Over $300 later and nothing was done and no response from anyone. A HUGE CREDIT SCAM

Had an overall excellent experience with this company. I had multiple collection accounts and quite…read morea few late payments. They were able to remove most of my negative trade lines within 3 months. I also gained a wealth of information about how credit works. My FICO score has increased by 75 points within the first 3 months. This service really works. If you are on the fence, all I can say is that they are the real deal. I recommend credit girl to anyone looking to improve their credit and overall financial situation. And they were cheaper than other repair companies that I have tried.