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Beware of Orlando Florida Credit Repair - StateWide Credit Repair!
Full of false advertisements!
My wife and I paid this company a flat fee of $450.00 to repair our credit to remove negative items from our credit reports. They advertise and guarantee to be able to remove bankruptcies, collections, late payments, etc... This was done with the sole purpose to be able to repair our credit in order to be able to purchase a home.
After doing 3 rounds of disputes and waiting the 45 days for each that needed to wait as was told by Fillip Garrison, the owner of this company, the bankruptcies and late payments are still showing on our credit reports. The few negative items that were actually removed were not removed because of something special he did. Could have done this ourselves by doing a dispute and they will have been removed per the law reads for being inaccurate and not verified as this items were. Did not had to pay what we paid to have this items removed. On top of all this some negative items are still showing on our credit reports.
Three full round of disputes and no results by this company!
Mainly we paid Fillip Garrison, owner of Orlando Florida Credit Repair also doing business as StateWide Credit Repair, to remove the bankruptcy and late payments. On our first and only meeting with him on February 18, 2016 he told us that he was able to remove this two items with no problem. He guaranteed as his advertisements said. Just have to wait for a minimum of 45 days. This is the main reason we went by him since he guaranteed it.
We feel that he has ripped us off because we went to him for help based on what he advertised and guaranteed and he did not deliver.
Have written proof of all his advertisements.
Posting this here so people are aware of his business practices.
He cannot lie to people and take their money. He should do what he advertises and says.
In our opinion and based on our experience, we recommend to anyone not to do business with him and his company, Orlando Florida Credit Repair (StateWide Credit Repair).
Companies offering "credit repair" services are almost always fraudulent. No one can take the bankruptcy off of your credit report, it's 7 years for chapter 13 and 10 years for chapter 7. Disputing this will have no effect because bankruptcy is public record and a credit reporting agency has the legal right to report any information that is truthful and accurate.
Even if a credit repair service is successful in having your bankruptcy "removed" by disputing it over and over, it will reappear because the court record section of your credit report is updated constantly.
If you want to repair your credit start by thoroughly checking your own credit report. If you've filed bankruptcy then be sure all old accounts have been removed or closed, and if they haven't file a dispute YOURSELF, which is free. If you get a credit card and be sure you never miss a payment or carry too much of a balance, your credit will improve. It might not be as fast as you'd like but sometimes patience is necessary when you're trying to repair past damage. There's no magic service or lawyer that will help you anymore than you can help yourself.