Up Credit 

I.P. is a scammer and a Fraudster, He lied to me telling me a creditor wanted $1,200 for settling an account, After I paid that and another creditor to settle for $1,400 He said I needed to pay attorney fees. All In all he took me for over $6,000 and nothing was ever taken off my credit report. Him and his sister are fraud. I.P. Came to my house gave me a fake check to deposit and after the banks couldn't verify the funds, he demanded money from me. He created fake Emails from companies that don't exist and I called the company and found out he was fired from one of them due to fraud he committed. I askd his sister to give me the contact information to the credit company they said removed my accounts and she refused. I filed a police report and they will soon be arresting him with all the evidence I have given the police.

Wow! They are fast! Love how they explained everything every step of the Way. The price was great and the results even better.

Do not use this service. If you paid, check all your collections to verify payments.

In response to I.P’s reply to my previous review.

I.P’s replies to former “clients” aka victims, should be enough to show potential clients who he is and how he treats others.

I.P stated my review was fake and “got great credit” a credit score below 600 is not great. My credit did increase, only because I took matters into my own hands. I decided to pay my bills that were credit related using the 15/3 payment method. I also decided to open new lines of credit. Prior to I.P’s “service” I had no open credit lines with only negative items reflecting on my credit report. No letters were mailed, in fact through the portal I.P’s company provides each client has access to the letters. When questioning the “identity theft” claim I.P made in one of the letters he responded with “You don’t have access to our letters.” He doesn’t even know what his own clients have access to.

After services were canceled by I.P for myself and my husband, I requested a refund. I.P denied the request. As a consumer I disputed the charges through my bank and provided all the details and information I could. As of today July 21, 2021 my bank has awarded all funding except my “retainer” fee (which is against the OCRA).

Per I.P’s reply “your plan did not work”. My plan, when the contracts where initiated on April 4, 2021 was to purchase a house within 6 months as promised. I should be browsing for a future home to raise my children in, however I’m cleaning up the mess I.P made of my life.

My negative credit is due to medical bills. This is a common problem in America given the cost of medical services. I.P trying to insult me on the premises of a credit score just goes to show he is unprofessional.

Be smart. Learn about credit repair and how to do it yourself. Contact collection companies directly and negotiate for yourself. There’s nothing a credit repair company can not do that you can’t do yourself.

Also, speaking on legality. I.P, if you’re a professional please provide proof of your LLC? I’d also love to hear from your legal team as well, is she your sister? Cousin? Or does she just so happen to share a name with a local attorney?

We started working w Ignacio & Upcredit in November & he’s been a tremendous help to us & our credit! He answers any and every question you may have & always gets back to you in a timely manner.

I just started working with Up Credit and so far it's been an amazing experience. They are very quick to get started and very diligent to keep you informed throughout the process. It's been less than a month and my credit score has already increased!!!

So far so good