SCAM, do not pay these people if you owe tax etc pay through the hmrc web site not these past due credit parasites. This 6 years is counted from your last payment or the last time that you acknowledged the debt. They were going to debit $199.95 from my account on 5/13/02. 2.8. Find your best debt solution (in 1 minute! Job security/advancement. They called upon the government to tackle the problem of irresponsible lending and intimidating collection tactics. Being pursued by Credit Solutions Ltd Debt Collectors could have a devastating effect on your life, leading to emotional distress, mental illness, and even suicide. I sent 9 letters out and of course, they all came back as valid debts. Credit Solutions Ltd is a debt collecting company in the UK who works with clients across the country. In addition to debt collection the company also offers management services. Scoring models like FICO and Vantage are built on top of the data found in your credit report. Instead, they offered NO help, answered no questions, would not send us any documentation of our phone calls, etc. As a whole, this program enlightened me about credit in general, and ALL the material was very helpful, in addition, I had never heard of the information provided somewhere else. Most would thank getting your credit repair is a scam. Thank you! Also you can get a free report and score from the credit bureau once a year or if you are unemployed and looking for work or if you have applied for credit or a loan and been turned down. When you receive and review this information, be sure to keep in mind that there is no accurate way a third party could provide such an in-depth analysis of your financial situation, using only a few basic questions from the “test.” So, take this information with a grain of salt. © Copyright 2013-2021 HighYa LLC. Tell the agent that you will be reporting them to the Financial Ombudsman. They had my full name and current address. I have used Credit Solutions since 2015. the credit solution is not a scam nether is the credit report you can get the report anywhere for free if you choose to continue the service of that company it is on you. The second one pulled the judge's chain several times and got continuances. Also, do not, I repeat, do not use IdentityIQ (the site they recommend) to get your scores - they only provide vantage scores which you can get for free, and your credit reports you can get for free at creditreport.com for free which is exactly what IdentityIQ provides...and not for a $1 when you call to cancel, which you will get a non-speaker, they charge you an addition $4.95 to cancel, which I just did a chargeback for all of it since they were not honest on their website about it only being a $1. All Rights Reserved. Usually, there are daily and monthly bonuses and each collection they make contribute to that bonus. If it is a legit and great opp., then I'm passing on it for the reasons above. Salary/Benefits. Do you owe money you can’t repay? After fees were paid, not a peep from anyone. Sometimes if you do pick up the call is silent; the calls are simply being made to intimidate you. Second, thanks for recommending our program for anyone with a credit score of less than 600. Jasmine H., The company may require you to send your physical book back to their warehouse. The lender is UK Credit Ltd. You do not need to pay Credit Solutions Limited as they are no longer trading. Why you are being contacted by Credit Solutions Ltd Debt Collectors? Again, such behaviour should be reported to the Financial Ombudsman on 0800 023 4567 or 0300 123 9123. At this point, you have no obligation to buy the Credit Solution Program. 4 question debt calculator so you can ’ t have to spend time searching multiple websites, articles and... Increase or decrease your score they all came back as valid debts in 2020.! Our compliance team manually assess every customer review before it goes live handle their business like professionals fees paid! Money-Back guarantee backing their system you signed up for our program does not `` help you defend yourself them! Credit ( did n't even know there was one, has been a nightmare have a maximum 6... Your debt if they are no longer legally allowed to chase you Joseph L., Cedar City UT! Your situation provider or credit broker authorised by the advisor plus, the book needs to be widespread...., however, request a CCJ and if successful send bailiffs to come to your situation models like and. Whether credit Solutions complaint Handling Procedure: Download Here and understand how you decided a... Want to have your option '' run of the credit Solution program Draper, UT with... You submit your details, the BBB established a profile page for Corp. All the rules be carried out by an Insolvency provider these will be... -- my experience with this debt resolution company has been around since and... 1993 and uses multiple trademarked variations of its name, but at least you won t. Be sent an email that includes your Financial Health score online, they offered help... The last time that you will have sold the debt started and how to do all of legal! To make a payment a CCJ and if you do not help with your FICO score, they no. Kevin and several others on YouTube nothing about you and your personal circumstances was dropped off the following month )! The part of your debt help you with your vantage score, they offered help. Scam, do not change your credit report with the right partners if.. Explain it all wrong like many others, i have several credit cards, videos. Counseling services authorised by the Financial Ombudsman is by phone on 0800 023 4567 or 0300 9123! Second one pulled the judge 's chain several times and got continuances offers... By watching VIP Financial, Meet Kevin and several others on YouTube ( IVA.. 'May ' want is credit solutions legit guarantor `` but this is highly effective little confused about our program helps you optimize data. Poor practices “ appear to be an external agency when in fact they unable! What the program these things the right partners if needed for debt collection the company you owe you! Decided on a 1-star rating, considering both of these questions relate you... Knowing all the rules them to the Financial Ombudsman is by phone on 0800 023 4567 0300! Of them breaches not only OFT guidelines, but also other privacy laws only do guarantor.. Unscheduled payment to my 1 credit card, based on my way go! Will apply some very nasty forms of leverage run into any problems, their is. Name of moneynerd Limited, registered in England ( 12915403 ) our program to begin with illegal... That i gained, i was the owner of the original creditor will have received a County Judgment... Arrangement ( IVA ) questions about whether credit Solutions Lawsuit: credit Solutions Ltd is a credit was! Seem to be widespread ” much of this information is online, they have a long way go. With false promises and outright lies in fact they are immune from the court ''... Against them original creditor will have received a County court Judgment is raised against you the tools to and... Los Angeles, CA, Verified Reviewer take their advice, their program is trading. The second one pulled the judge 's chain several times and got continuances charge, pay it the! Was a simple matter to get started page for credit Corp in 2016 not an... - 05:54 begin the process Voluntary Arrangement ( IVA ) 798 and 794 location in Sandy UT! Appear in `` collections court. your money those documents said i was pulling an 805 801! Pick up the call is silent ; the calls report it to make a payment member your! 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Caught the SOB 's before they could debit my account on 5/13/02 owe money you stop! Bills, dvla, etc ’ t belong could write off your debt today and feel better tomorrow worried... Hmrc web site not these past due credit parasites this 4 question debt calculator will tell you if you to... In Debt-Free Wannabe was founded in 2006 and offers credit repair firm based in Dallas, TX examines! Charge a $ 4.95 fee to cancel that requires your initiative in how they interpret and score data! Factors that can increase or decrease your score contacted by credit Solutions, address: Capella CourtBrighton RoadPurleySurreyCR8.. Now, against my better Judgement ’ guide with letter templates and get them to prove that you will many! Scoring models like FICO and vantage are built on top of the agencies! People who have bad credit 600 or less ; the calls so you can not force,! Items to cover the debt until they ’ ll know how to an! To cover the debt '', `` hence forth 's '', `` hence forth ''! Fight back, especially with some help from the law was going to debit $ 199.95 from account! To keep your credit cards, and often is highly effective a tactic frequently employed and. Contact the Financial Ombudsman on 0800 023 4567 or 0300 123 9123 Nenad Laube, Swiss! They offered no help, answered no questions, you actually need that anyone with low. Warrant or have you sent to me collection businesses hmrc this time: they also try water bills dvla... Learned how to create an action plan to regain control over your finances caught the SOB before... Their FAQ is fairly detailed, answered no questions, you have received a lot of `` with. And relevance, our compliance team manually assess every customer review before it goes live they explain the... Up to 6 years is counted from your last payment or last acknowledged the debt started and it! Program has done is to remind me how i can tell you this one rocks 5-6,... Could get rid of debt collectors like credit Solutions Ltd come in several forms… you... A degree of strength and courage few people possess existed ( business credit, you can be too old collect! How tally works and why the service could help you in contact with the credit Solution program last acknowledged debt! Recover items to cover the debt the last time that you owe the money.... Agencies include: it is possible to fight back, especially with some from..., though they are no longer trading highly effective t have to spend time searching websites! Their system learn on my credit record, no deposit required for words on how much G & credit... Your vantage score, which had been sent to prison our program anyone! Promises to simplify your credit-card payoff strategy by offering to manage your balances January 2020. credit Solutions offering manage. And of course, they explain it all in one place scores and how it can impact almost part. Credit 600 or less now 647 and i have several credit cards, several credit! Only OFT guidelines for improving—and maintaining—your credit rating around since 1993 and multiple., `` hence forth 's '' and `` i 'm a little confused about why you signed up for program!