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About Us:
I have worked both sides of the industry, Mortage consulting and credit consulting, I know the pressures that both professions face. I know the pain of pulling a client's credit report only to have to tell them that they dont qualify. With the changes in the mortgage market, it is more important than ever to try and maximize loan origination to not only make more money but also to let your clients know that you will do anything possible to help them. This increases referral business and creates life long clients. I will do whatever it takes on this side to help you get more people into loans.at RMCN we use our "V" Phase Process® to clean your credit by auditing the credit bureaus and creditors. This process ensures that we attain the best results in helping your clients improve their credit. With ten years experience, we guarantee results.
Areas of Expertise
Your consultant and direct point of contact will consult directly with you on your credit and come up with a comprehensive plan to educate you on how credit works, and what can be done to help you achieve your financial goals and make you a better, more educated consumer. After completing the consultation stage, our Research and Processing department will begin attacking not only the credit bureaus, but the creditors and collection agencies directly. Over the next several months, our efforts will typically remove 70% - 90% of all derogatory items on your credit report. RMCN Credit Services uses a "V" Phase ProcessTM to have the inaccurate items removed from credit reports. There are Federal & State laws in place to protect the consumer from inaccurate and unverifiable credit reporting. The first step is to audit the credit bureaus, creditors and collection agencies using the Fair Debt Collection Practices Act, the Fair Credit Reporting Act, the Fair and Accurate Credit Transaction Act and the Health Insurance Portability and Accountability Act. These four laws have been established to protect consumers' credit reports. Creditors and credit bureaus are legally obligated to produce documented evidence within a reasonable amount of time, generally 30 days, to back the claims they make. If they cannot validate their claims, they must promptly remove any undocumented information from the consumer's credit report.
Testimonials
Please see http://www.rmcninc.com/ for a complete view of all testimonials!! - From: Ryan S
Sent: Thursday, April 03, 2008 4:42 PM
To: Kelly Lyday
Subject: Thanks for Everything!
Hello Kelly Lyday,
I wanted to thank you for all your help and great service! You really made me feel at ease when it came to fixing my credit with all your knowledge and expertise. I wanted to let you know that I have referred many friends and even a few realtors to your service! Thanks again for all your help and keep up the great work!!!
Thanks,
Ryan S
| From: toutai k
Sent: Wednesday, April 02, 2008 12:07 PM
To: Kevin Power
Subject: Re: RMCN agreement
Kevin,
I just went and bought a truck, and it is unbelievable the power of credit can do for an individual, RMCN is one of the most expensive company to work with, but it all worth it, I am now almost home free on my credit because I chose RMCN instead of the other ones. I went from 3 long pages of bad items to only 3 items left and to be worked on. I am indeed grateful.
Tai
| From: Bill H
Sent: Wednesday, March 12, 2008 4:31 PM
To: Nikki Harris
Subject: Testimonial
Nikki,
I would like to thank you so much for all your help in improving my credit score. After years of struggling financially due to unemployment after 9/11, a poor economy, and a couple of bad decisions on my part, my credit was what could be described as disastrous. After just a few weeks of work on RMCN's part, many negative accounts that were on my Credit Report have been dismissed and my Credit Score is already higher than I every dreamed it would be ever again. RMCN, Inc. is continuing to work on my credit repair and I have been told that in just a few more months I should be able to get credit through almost any lending institution. I owe this all to Nikki for being so helpful and helping me to understand that RMCN, Inc. was not a "fly-by-night" company and her professionalism, kind words and support made me finally allow her to help. This was one of my best decisions that I have made and I would recommend her and RMCN, Inc. to anyone who is in need of credit repair. Thank you Nikki! Your help is, has been, and will always be appreciated.
Bill
| From: Debra W
Sent: Saturday, March 29, 2008 11:49 AM
To: Michael Stockton
Subject: RE: Jack, I wanted to stay in touch.
You have been wonderful! And yes your Company has helped us tremendously. You did a fantastic job and we appreciate it so much. I have sent my son to you as well! We will continue to refer anyone who needs help with their credit! My girlfriend will soon be sending her Credit problems your way! Again thanks so much! Sincerely, Jack & Debra
| From: Ryan B
Sent: Wednesday, March 26, 2008 5:20 PM
To: Brent Reedle (888) 469-7372 ext. 257
Subject: Good Afternoon
I just wanted to thank you for all of your hard work. I just purchased a new home. I locked in a 5.75 interest rate.
Thanks again.
Ryan B
| From: Patty W
Sent: Wednesday, March 26, 2008 11:13 AM
To: Mike Doyle
Subject: Thank you!
Mike~
I just want to Thank you so much for all you have done. I was very skeptical going into this but gosh it's real and you guys do really do the job to get the negative stuff off of the reports. When we started with you Stephen's score was 517 on Equifax and now it's 675, Experian was 527 and it now 545, and transunion was 504 and it is now 630 just a short 8 months later. Wow!!! I am so thrilled. You are always so good to take care of us and very comforting. I am seeing the light now. I referred my mother n law to you and she said you are taking good care of her too. Thanks again!!
Patty W
| From: Kristie
Sent: Wednesday, March 26, 2008 3:57 AM
To: Michael Stockton
Subject: Re: Kristie, I wanted to stay in touch.
thanks for your help khris and i just closed on a new house thanks to rmcn i tell everyone about you guys
| From: Lisa H
Sent: Wednesday, February 27, 2008 9:57 AM
To: Mike Doyle
Subject: Credit Scores
Mike,
Hello Stranger!!! Just looked at my credit scores on Free Credit Report.com and saw all three scores....OMG!!!! They are unreal, you guys are awesome, you have brought the scores up soooo much. Experian-702, Equifax-690, and TransUnion-672. I am so happy with this. I have paid off Sears, and 4 other creditors with my income tax return and I hope to see those numbers jump even higher. Just wanted to write you and let you know how much I appreciate you and RMCN for the help you have given me. I was in a slump after the death of my husband and now things are finally looking up. Thank You, Thank You, Thank You. Talk to you real soon.
Lisa H
| From: Andy L
Sent: Thursday, February 28, 2008 6:59 AM
To: Trevor Boldin
Cc: Eric Gomez
Subject: FICO Score
766...glad I signed up. Thanks!
Andy L
| From: Doug F
Sent: Wednesday, February 27, 2008 10:57 AM
To: Beau Millhollon
Subject: RE:
Beau
Thank you guys
I couldn't be happier
All 3 are now about 740
Thanks and will send everyone your way with a need
Doug F
| January 1, 2008
To Whom It May Concern:
RMCN raised my credit score from 545 to 716 within six months. I heard about RMCN through an employee who had poor credit before joining RMCN and this employee encouraged me to join after seeing how difficult it was to grow my business because of poor credit. I now have a successful business and excellent credit score.
Sincerely,
Damien M
Boston, MA
| From: AnneMarie O
Sent: Tuesday, February 26, 2008 9:38 AM
To: Kelly Lyday
Subject: Great work!
Hi Kelly,
I wanted to let you know that my husband was able to secure a car loan through his credit union. We took a 20,000 loan at 6.9%. Not too bad. Thanks for everything. I know we are not through yet, but it has definitely been worth it.
Annemarie O
| From: Curtis B
Sent: Saturday, February 23, 2008 7:16 PM
To: Beau Millhollon
Subject: RE:
Beau,
You guys rock, I still want to keep making it look better but I was able to buy a 08 Hummer off the lot today with zero down. Amazing. I need to know where to send you guys some wine. Talk to you soon.
CB
| From: Clay C
Sent: Tuesday, February 19, 2008 8:26 AM
To: Beau Millhollon
Subject:
Beau,
FYI. The lender pulled our credit on Friday to finalize our mortgage. The average score of all three bureaus was 680! I tossed in a few pictures to show you what driving our credit score up means to us. We close on 25 February. Thanks for your help.
Clay
| From: Francis G
Sent: Thursday, February 14, 2008 2:50 PM
To: Karen S
Subject: You are simply not going to believe this ....
Hi Karen
Your new CR Rpt has been updated. I can tell you first hand - the results are simply unbelievable.
Before, your CR Scores were 511, 535, and 469. They are now 699, 779, and 753. Woooohoooooooo .
I have to tell you.... I am, and my staff, are simply stunned by the results.
Your credit report was and is now - just so you can see the differences
13 pages in length -- NOW 5 pages
3 30-day lates --- NOW 2 - Wells auto is still there
14 90-day lates -- NOW ZERO.
$47,635 in debt balances --- NOW only 9,046 - your car and small revolving
$21,899 in monthly scheduled payment - NOW $590
Now you know how important credit is.... review your credit at least once a yr to make sure everything is right. And of course the most important thing is to keep your debts down, and pay them on time.
Francis G
| Good News,
Around 8 months ago I recommended to this client of mine to go to your company and let's work on their credit. They wanted a vehicle that day. They went to Leroy Wilkerson and have gone from a 566 Equifax score to a 714 Equifax score today.
Jan B is the customer's name and Craig was the one working with Leroy.....Craig is getting a New 2008 Toyota Tundra 4X4 and wanted to thank me for recommending your company. He's a "Happy Camper". He also is saving $90.00 per month for 51 months. I told him about his immediate savings and he was happy as to the quick break even from his cost to repair his credit. He said with out the advise we were able to give him and the ability of RMCN to resolve his credit issues, he probably would be in his same condition for many years. What a "Win Win" for the consumer..............
FYI,
Jodie E. Lott
Senior Leasing Specialist
Autoflex Leasing
558 S. Central Expressway
Richardson, TX 75080
(972) 234-0304 Ext. 495
(972) 234-6306 Fax
| Date: Thu, 17 Jan 2008 15:31:20 -0500
From: "Fulford,M
Subject: RE: Your Acct
To: Michael Stockton
Hi Michael,
I hope your ankle has healed up well.
First of all, let me say that I am very happy with your service. I joined RMCN so that I could get my credit score higher to help with getting qualified to buy a home. Well, I have now been in my new house for about a week and a half! Your service obviously works. I am very happy so far.
I have received some correspondence from some creditors that I need to forward to you. TXU provided what they indicate as "proof" that I had an account with them. Their "proof" was a billing statement.
I still want to work on the creditors that answered positively to the CRA inquiries.
| When I first signed up with RMCN, I was recently divorced and at 35 had to have my parents co-sign on an apartment due to my 497 credit score. Within months of working with Brent at RMCN, my credit score jumped up to 602 and I was leasing a brand new BMW. I was skeptical at first to pay someone to fix my credit. I was having trouble paying all of my bills and I didn't know if I would be able to afford it. I have spent years worrying about my credit and now I can be confident enough to know that I can rebuild my credit and keep on the right track. Thank you Brent.
Sincerely,
Marci S
| From: Angie L
Sent: Tuesday, January 08, 2008 5:04 PM
To: Mike Doyle
Subject: Thank you! Thank you! Thank you from the Alabama Gulf Coast!
Dear Mike Doyle,
I want to say Thank you for answering that late day in October when called out of desperate need of attention on my credit! You really helped me turn this credit nightmare into a credit road to recovery!!! My mortgage person asked to pull my credit yesterday(1.07.08) which I was not sure if it was time just yet-however very doubtful I did! Wow-my credit rating rose almost 45 points, just enough for me to get approved for a HOME LOAN!!! YAHOO! When I started the program back just a a few short months ago my score was a low 523.....HA, and Now my credit was 565, 580, 601~ However -this may not seem like much to some people, but the ones that are walking in my shoes right now knows he importance of getting that score to rise that much in such a short time! All I owe now is around 2000.00-You have deleted over 6,000.00 worth of unvalidated OLD debt! You guys are miracle workers!
Thank you for all your help -I now know how to pull my own credit, dispute credit on my reports, start new credit, and find out how to repay back my old debt!!! I will refer all my friends and associates in the Real Estate business to you to help them!!! I will no longer be needing your serviced now that I have been approved for my NEW HOME!!! Take Care and catch you on the surf side!!!
--
Angie L
Anchor Title Orange Beach
"Closing should never weigh you down!" |
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