By Almazan89 October 21, 2016
Paragon was referred to us by a lender that my husband and I trusted so little research was done on their services prior to working with them. Bari Clapick was the original person we spoke to there and she was very nice and very persistent in getting us signed up, but as soon as they took our money there was rarely any follow up. We gave about $2k with no positive results. After a lot of self research I managed to get my credit to where we needed it to be to get our house, about a week away from closing Mark Hagenbart the supposed CEO and owner calls me and says he is going to send us to collections and file a judgement (this is after we were done paying him) His exact words to me were "I don't care if you get into a house, you're the most egregious person I've ever done business with and I don't care about your family." Scared out of my mind that we wouldn't get into our house, I paid him about $800 over the phone for services I never received because we didn't want to lose the house. Never got a receipt and never heard anything from him again. Needless to say it was definitely our fault for not doing the research and trusting a lender who we ended up not using. There are sooooo many ways to improve your credit by just self educating yourself and working with a lender who's company has an in house credit specialist. These credit "repair" companies are a scam, they just send out disputes on everything and in turn just prolong the home buying process. ...read more
By Anonymous August 05, 2014
CONSUMER BEWARE DO NOT PAY THIS COMPANY THEY ARE FRAUD LICENSED IN THE STATE OF ARIZONA TO COLLECT DEBT FURTHER MORE IT IS HIGH UNETHICAL TO ATTEMPT TO SLANDER OR MISREPRESENT § 806. Harassment or abuse [15 USC 1692d] A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section: (1) The use or threat of use of violence or other criminal means to harm the physical person, reputation, or property of any person. (2) The use of obscene or profane language or language the natural consequence of which is to abuse the hearer or reader. (3) The publication of a list of consumers who allegedly refuse to pay debts, except to a consumer reporting agency or to persons meeting the requirements of section 603(f) or 604(3)1 of this Act. (4) The advertisement for sale of any debt to coerce payment of the debt. (5) Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number. (6) Except as provided in section 804, the placement of telephone calls without meaningful disclosure of the caller's identity. § 807. False or misleading representations [15 USC 1692e] A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section: (1) The false representation or implication that the debt collector is vouched for, bonded by, or affiliated with the United States or any State, including the use of any badge, uniform, or facsimile thereof. (2) The false representation of -- (A) the character, amount, or legal status of any debt; or (B) any services rendered or compensation which may be lawfully received by any debt collector for the collection of a debt. (3) The false representation or implication that any individual is an attorney or that any communication is from an attorney. (4) The representation or implication that nonpayment of any debt will result in the arrest or imprisonment of any person or the seizure, garnishment, attachment, or sale of any property or wages of any person unless such action is lawful and the debt collector or creditor intends to take such action. (5) The threat to take any action that cannot legally be taken or that is not intended to be taken. (6) The false representation or implication that a sale, referral, or other transfer of any interest in a debt shall cause the consumer to -- (A) lose any claim or defense to payment of the debt; or (B) become subject to any practice prohibited by this title. ...read more
By Anonymous August 05, 2014
§ 804. Acquisition of location information [15 USC 1692b] Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall -- (1) identify himself, state that he is confirming or correcting location information concerning the consumer, and, only if expressly requested, identify his employer; (2) not state that such consumer owes any debt; (3) not communicate with any such person more than once unless requested to do so by such person or unless the debt collector reasonably believes that the earlier response of such person is erroneous or incomplete and that such person now has correct or complete location information; (4) not communicate by post card; (5) not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt; and (6) after the debt collector knows the consumer is represented by an attorney with regard to the subject debt and has knowledge of, or can readily ascertain, such attorney's name and address, not communicate with any person other than that attorney, unless the attorney fails to respond within a reasonable period of time to the communication from the debt collector. ...read more
Most people are aware of the fact that maintaining a positive credit score is important if one wishes to qualify for future loans or general financing. However, what many individuals are not aware of is that the majority of credit reports in Arizona and elsewhere in the United States contain inaccuracies. Approximately half of these inaccuracies can do enough damage to lower the consumer’s overall credit score, and subsequently make him or her a poor candidate for lenders. There are numerous avenues through which such mistakes can be made, and the following are some of the most common: Mismerge Furnisher Errors Public Record Errors Identity Theft Credit Reporting Company Errors Mismerge Mismerge is a term to describe a specific type of error that occurs when two individuals have the exact same name. For example, two people may have the name Franklin A. Smith, and one of the individuals pays his bills on time and has sterling credit, while the other has money problems. If the information of the latter is accidentally placed on the former individual’s credit report, his credit history will erroneously show a negative score. Furnisher Errors Furnisher errors take place when creditors carelessly or purely by accident report timely payments as if they were received late. Even one payment that is recorded as 30 days late can do considerable damage to a stellar credit report, in some cases lowering the score as much as 50 points. Another error that falls into this category is when a lender or creditor fails to acknowledge a discharged bankruptcy and does not update the credit report. Public Records Public records such as liens or judgments can create negative issues for persons who share common names. This type of error is very similar to the aforementioned mismerge error, but it involves public records, rather than actual creditor trade lines. Identity Theft Identity theft is a problem in Arizona and many other parts of the country and is considered by experts as one of the fastest-growing crimes in America. As its name implies, Arizona identity theft is the theft of an individual’s personal data, which is then used by the thief in a variety of illegal ways, including the following: Opening fake credit accounts Purchasing items on credit under the victim’s name Accessing the victim’s bank account Adding oneself as an authorized user on current accounts owned by the victim Applying for a mortgage using the victim’s information There are many other ways a person’s credit can be harmed through identity theft, making this one of the most costly mistakes for consumers who become victims of such crimes. Credit Reporting Agency Errors Credit reporting agencies are also capable of making mistakes that can harm a person’s credit. Such mistakes are made when the reporting agency retrieves the wrong information and passes it on to a lender. For instance, the lending institution may request information on a John Smith who lives in Los Angeles, California, but the reporting agency may accidentally deliver information about a John Smith who lives in New York City. Therefore, the person may subsequently be turned down for a loan or other financial arrangement based on the wrong information. If you suspect that your rights have been violated or that you are a victim of a credit error, Arizona Credit Lawyers can help. Contact us without delay to minimize your damages and prevent future problems. ...read more
By Arizona Credit Lawyers March 31, 2017
In an increasingly challenging economic climate, business owners/operators must develop innovative solutions to maintain positive cash flow, enhance customer loyalty, increase return on business investments with the strategic objective of maximizing profits. Shrinking household incomes and budgets, increased marketing costs, a crushing credit crunch and increased competition invariably dictates that business owners carefully evaluate a myriad of solutions designed to help them achieve their objectives. Notable among these tools are Merchant Accounts/Credit and Debit Processing, Instant Cash Advance, Gift and Loyalty Cards, Check Gurantee and Electronic Conversion, Customer Financing and setting up a Web Store.MERCHANT ACCOUNTS/CREDIT AND DEBIT CARD PROCESSING:A merchant account is a relationship you have with a bank or financial institution. As a business owner/operator, a merchant account gives you the ability to charge a customer's credit card for goods and services. The bank, in turn, accepts the responsibility of processing the credit card transaction, debiting the funds from the customer's credit card and depositing them into your business checking or savings account. Merchant account providers act as middlemen between the business and card associations to ensure that businesses comply with industry requirements.Nearly 1 in 3 consumer purchases in the United States is made with a payment card. The average ticket for credit card purchases is up to 4 times greater than cash. There has never been a better time to offer your customers the convenience of credit card payments. You probably already accept credit cards from your customers. If you do, when was the last time you had a rfeview of your current processing statement. A review of your recent credit card statements will help you discover where you are likely being overcharged. This process would give you ample opportunity to evaluate how you could potentially increase your return on invest.Choosing the right merchant account provider is vital. Building a sound business means dealing with quality suppliers and service providers. You should carefully select the best merchant account provider to fit your specific business needs. U.S. Merchant Systems, Arizona is one of the leading and most ethical merchant account providers. For more information about merchant accounts call your professional Arizona USMS Agent at480-272-4514or emailcharlieusms@gmail.com. ...read more
By U.S. MERCHANT SYSTEMS - ARIZONA July 14, 2009
I have been in this business for over a year after having spent to much time doing real estate for others. I love helping people and will work very hard to that end. Correcting mistakes and errors on your credit report is more important now than ever, from house and auto loans to insurance and credit cards. YOUR CREDIT SCORE IS MORE IMPORTANT THAN EVER. Start today for the best rest of your life as possible. ...read more
By National Credit Rescue January 29, 2008
Not being able to pay your creditors due to job loss or other unforeseen circumstances can leave you feeling overwhelmed. Bill collectors will call you at all hours of the day attempting collect. A debt reduction service may be the answer for your situation, but there are scams that you will want to a... ...read more
Making sales these days is highly competitive and if you are not accepting charge and debit cards, you are missing out on sales. There are many different types of processing equipment deals as well as variables in merchant services. Learn how merchant services work and put them to use to make sales yo... ...read more
