Joseph T.
Please don’t use this company
Please don’t use this company. Was promised way more than what was achieved. Wish I went with someone else.
Response from CRF ConsultantsMar 23, 2026
We’re sorry to hear about your frustration, but we do want to provide clarity and transparency regarding your case. At the time you enrolled, our agreement was to work on the negative items present on your credit report — and we successfully fulfilled that commitment. As outlined in your file, multiple accounts and inquiries were removed, including items from Deletions: • ONEMAIN - Inquiry (TU) • EXETER FINANCE LLC/WCG - Inquiry (EX) • FLAGSHIP CREDIT ACCEPT - Inquiry (EX) • ONEMAIN - Inquiry (EX) • AFFIRM INC - G4CX**** (EX) • FEB/OPPLNS - LAI0197**** (EQ) • FST PREMIER - 517800672664**** , 517800677807**** (EQ) • MONEYLION - LLI4349**** (EQ) • CAINE WEINER (Original Creditor: 05 VCA ANTECH INC CARE CLUB) - 1870**** (EQ , EX) However, credit repair is a two-sided process. While we actively worked on removing your existing negative items, new negative accounts were added during your program, including collections from Midland Credit, SmileDirectClub (Tek Collect), and additional Affirm activity. These new items directly impacted your overall progress and are outside of our control. Added Negative Accounts: • TEK COLLECT (Original Creditor: 12 SMILEDIRECTCLUB) - ARS156**** (EX , TU) • AFFIRM INC - RO86**** (EX) • MIDLAND CRED (Original Creditor: 01 CREDIT ONE BANK N A) - 31707**** (EX , TU) • MIDLAND CREDIT MANAG - 31707**** (EQ) • CCBTLSLENDLY - 4203**** (3B) ; late payment was in June 2025. First round was on 03/05/2025, 3B were positive. We always emphasize that maintaining and improving credit requires both: Our team’s work on removals and disputes The client’s responsibility to avoid adding new negative activity Unfortunately, in this case, the addition of new derogatory accounts offset the progress that had already been made. That said, we did deliver on the removals agreed upon, and we remain committed to helping clients succeed when both sides follow the process. If you’re open to continuing and focusing on stabilizing your profile, we’re always here to support you. — CRF Consultants