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     | Sunday, October 01, 2000 - 12:34 pm  Mr. Zcraws; I don't know if you have seen this advertisement on the message board,but I'll share with you anyways. My wife and I work for a company that handles such problems that you are having. ICR Services is a multi faceted Corp. Credit Repair is just one of the things we do. For $399.00 we will conduct credit services by way of a unique one of a kind computer search disk our company developed. It's searches and identifies inaccurate and erroneous entries on your credit profile by using the Fair Credit reporting Act. We give a 110% money back guarantee in writing to significantly improve you credit. I have read your problem and know that our company could assist you. You may phone (323) 292-0240 or email me. We had your same problem with Capitol One. We also do debt consolidation and guarantee 110% in writing, a 20% to 50 % reduction on the dollar. Additional we do not report our debt consolidation to the CRA’s. I would be glad to talk with you about your situation. You may also visit our website at www.icrservices.com .
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| | Sunday, October 01, 2000 - 11:43 am I have not used them but I do know they charge to much. For the cost of $399.00 ICR Services Inc. will repair your credit with a 110% guarantee. The services are good for one year. We do all three credit Agencies at the same time. Call us at (323) 292-0240. We also have a business briefing every Tuesday Evening at 5753 Rodeo Rd. 7:30pm The Bahai Faith Center of Los Angeles. The cross streets are La Cienega and Rodeo Rd.
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| | Tuesday, October 03, 2000 - 09:39 am ICR Services is a MLM, Without slamming anyone I suggest you search any message board on "ICR". Steve
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| | Sunday, October 01, 2000 - 12:40 pm Mr. Morty I don't know if you have seen this advertisement on the message board, but I'll share with you anyway. My wife and I work for a company that handles such problems that you are having. ICR Services is a multi faceted Corp. Credit Repair is just one of the things we do. For $399.00 we will conduct credit services by way of a unique one of a kind computer search disk our company developed. It's searches and identifies inaccurate and erroneous entries on your credit profile by using the Fair Credit reporting Act. We give a 110% money back guarantee in writing to significantly improve you credit of child support, banckruptcy’s, tax liens, late payments. I have read your problem and know that our company could assist you. You may phone (323) 292-0240 or email me. We also do debt consolidation and guarantee 110% in writing, a 20% to 50 % reduction on the dollar. Additional we do not report our debt consolidation to the CRA’s. I would be glad to talk with you about your situation. You may also visit our website at www.icrservices.com .
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| | Sunday, October 01, 2000 - 11:22 am Contact The Federal Trade Comission. They have an 800 hot line. They will fine the CRA 2,500.00 once you prove that it is inaccurate unverifiable info that they are continuing to leave on your Credit Report. You may also be eligble for damages incurred as a result of their actions.
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| | Sunday, October 01, 2000 - 11:48 am To All With Credit Problems: I would like to share with you a solution ! For the cost of $399.00 ICR Services Inc. will repair your credit with a 110% guarantee. The services are good for one year. We do all three credit Agencies at the same time. Call us at (323) 292-0240. We also have a business briefing every Tuesday Evening at 5753 Rodeo Rd. 7:30pm The Bahai Faith Center of Los Angeles. The cross streets are La Cienega and Rodeo Rd
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| | Sunday, October 01, 2000 - 11:51 am To All With Credit Problems: Chad Roberts I would like to share with you a solution ! For the cost of $399.00 ICR Services Inc. will repair your credit with a 110% guarantee. The services are good for one year. We do all three credit Agencies at the same time. Call us at (323) 292-0240. We also have a business briefing every Tuesday Evening at 5753 Rodeo Rd. 7:30pm The Bahai Faith Center of Los Angeles. The cross streets are La Cienega and Rodeo Rd
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| | Sunday, October 01, 2000 - 11:14 am Have You heard of this Company called ICR Services it's an MLM that does Credit Repair.There website is www.icrservices.com. They charge $399.00 for one year of service to delete any erronoeus or inaccurate entries on your credit report based on the fair Credit Reporting Act. Let me know what you think or know about this company.
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| | Sunday, October 01, 2000 - 12:45 pm Ms.Oakes I don't know if you have seen this advertisement on the message board, but I'll share with you anyway. My wife and I work for a company that handles such problems that you are having. ICR Services is a multi faceted Corp. Credit Repair is just one of the things we do. For $399.00 we will conduct credit services by way of a unique one of a kind computer search disk our company developed. It's searches and identifies inaccurate and erroneous entries on your credit profile by using the Fair Credit reporting Act. We give a 110% money back guarantee in writing to significantly improve you credit of child support, banckruptcy’s, tax liens, late payments. I have read your problem and know that our company could assist you. You may phone (323) 292-0240 or email me. We also do debt consolidation and guarantee 110% in writing, a 20% to 50 % reduction on the dollar. Additional we do not report our debt consolidation to the CRA’s. I would be glad to talk with you about your situation. You may also visit our website at www.icrservices.com .
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| | Monday, October 02, 2000 - 04:13 am John- thanks for the message, but quite honestly, I don't know how you could possibly help me. While I am a fairly new reader to this forum, I have a good understanding of the Fair Credit Reporting Act, and have in fact had many negative remarks removed over the past few years -- working on my own. I don't need to pay someone to do it. As you can see from my posting, I am having difficulty in getting TransUnion to even respond to my request for an investigation at all. If I needed any help, it would be from a qualified attorney. I do plan on postng what happens with TransUnion this time around. I couldn't be the only one with this problem -- my experience could help someone else.
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| | Monday, October 02, 2000 - 04:16 am P.S. Hey JOHN...I see that you have spammed the entire message board with this stuff. How annoying.
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| | Sunday, October 01, 2000 - 11:58 am To David Tempkin; The solution to your problem is simple. And you may not need to file banckruptcy. Give me a call at (323) 292-0240 ICR Services Credit Repair, Debt Consolidation. We negotiate the Principal and Intrest and do Credit Repair www.ICRSERVICES.com
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| | Sunday, October 01, 2000 - 03:04 pm Gee. Can you also remove the LEGITIMATE chargeoff from AMEX? How about the LEGITIMATE chargeoff from Sovereign Bank? In the first message you posted, you said that it's an "MLM you heard of" In this last message, you claim to be part of this organization ("We"). Take your advertising trash elsewhere. Christine, is it possible for you to remove these idiotic postings? -Dave
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| | Sunday, October 01, 2000 - 05:56 pm To Mr.Temkin; There is nothing trashy about my advertisement. The message I placed above was to who I thought is an administrator of this message board. I was inquiring if the people on this site have heard of my organization. You, however choose to speak about something you obviously have no knowledge. Therefore I will explain our system just for you and you may verify it at your leisure. ICR Services has been in business for twelve years. Recently, in 1994 they became a multi- level marketing company. The company's emphasis is there unique one of a kind computer search disk. The disk was designed by ICR and incorporates the 390 some odd laws (Fair Credit Reporting Act) that govern what the CRA's (not the clients) must do prior to putting any negative or derogatory entry on your credit report. Our company polices the Credit Reporting Agencies. We ensure as the Fair Credit Reporting Act states that all laws are complied with or that item must be deleted per the FCRA. I know Mr. Temkin you might find it hard to believe but until you have researched and or personally have knowledge of what I do or what ICR Services does, do not ruin a perfect opportunity for someone that could truly benefit from our services. We offer a 110% money back guarantee in writing to substantially improve one's credit profile. The FTC, The Attorney General’s office, and thousands of other satisfied clients know us. You may visit our website and browse around before you make further selfish comments. I might add ICR has not had to return anyone their money since they have been in business. Along with our free year of credit status our company educates the consumer on financial planning, what we do as a company, debt melt down, and basically how not to get yourself caught in the same situation. The course we issue to our clients is college certified and being taught in colleges and Universities across the Country. We are an International Company recently expanding services to Canada. I challenge you to visit our website, become educated and then if your not satisfied I will remove my "trashy" advertisement. Respectfully btg50/John
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| | Monday, October 02, 2000 - 07:43 am Hey John- If this message was directed at the site administrator only, then why have you spammed this site with multiple copies of your ads? Postinngs similar to these can be found in a bunch of threads in this forum, including one small thread initiated by me. I have to agree with Dave that no one on this site is interested in multi-level marketing combined with credit repair.
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| | Monday, October 02, 2000 - 07:52 am You can't do anything, John. I filed BK7 and the annoying companies keep reporting me. I write and the CRAs ignore. I call these companies and they claim no knowledge of the BK and threaten me. I offer to show them the paperwork and they laugh and ignore me. You can't fix the reported Pac Bell listing that should change because of BK but won't or can you? Probably not. I went to your site. What is 1 year going to do for me if these dumb companies keep reporting me? In 1 year the reports start again. I don't have the money to pay somebody for a "quick fix" and I am sure some of the people who peruse this board may not either. You can't legitimately fix my problem, since that would mean paying you way more to go to the source, the companies that ignore my requests to cease and desist reporting me.
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| | Monday, October 02, 2000 - 08:46 pm If 399.00 is to much then no I can't help you.
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| | Tuesday, October 03, 2000 - 07:54 am It's not that it is too much but HOW are you going to keep crap off of my report? 1 year? Do you call the creditor, in a case like mine, and tell them that because of the CH7 that they need to STOP reporting this account as delinquent? If that is what you do, I may be willing to pay. If I am paying 399 for a QUICK FIX, that is too much. I am not busting your balls, but you posted these messages all over this board and now all you can say is 399 too much I can't help you!?!?!? Can you answer this question and maybe you have won over a potential client. Please answer these concerns of mine or else you are beginning to sound like every other company that offer these "services".
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| | Tuesday, October 03, 2000 - 08:04 am Anon: Paying someone whether it is MLM or not, $399.00 for something you can do yourself is simply too much money. $399.00 for what? Writing letters, following up? I have nothing against ICR except that I do not like the way some reps seem to spam. That does not effectively get the message across. If I can give you any little peice of advice,check out junum.com. For 21.95 per month and 8.00 per derog you can afford that. $399.00 is simply too much for the average consumer. Junum does it all for you online and only charges you 8.00 after they remove it. Also theres a new web site called www.worthknowing.com that is pretty neat. it will give you a FICO like score and tell you where you stand credit wise with no hard inquiry and its free! Hope this helps some to make a smart decision. Kristi
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| | Tuesday, October 03, 2000 - 10:42 am Thanks...I'm glad you could answer my questions. Thanks again...
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| | Tuesday, October 03, 2000 - 03:17 pm First off I will apologize to all that are offended by my advertising on your message board. I ran across this site and read everyone's concerns and problems. I am not a Credit Expert, however I have been working with ICR for about a year. I am familiar with the FCRA. The company I represent (understand the concept this is not a quick fix) uses the FCRA to the consumer's advantage. The FCRA are a set of laws, Federal laws that the CRA's consistently break. We do not challenge or question the fact of what you (the consumer) did or didn't do. We challenge (not by dispute letters but by the law) whether or not the CRA's are in compliance with the FCRA. "Did they dot every "i" and cross every "T". The FCRA states that if they have not that item must be removed. There is no coming back of that item once it is removed and found to be in violation of the FCRA. If they do, that is in violation of the FCRA and subjects them to a fine of 2,500.00 per negative entry. Being that the FCRA is Federal Law that would be double jeopardy (unconstitutional). We do not get rid of debt. We encourage customers, and have a program in place that negotiates your bills down to 20% to 50% on the dollar. Again, I apologize for any offense for attempting to share something I know that works. My wife via our company has had a Bankruptcy removed. I have copies of credit files I would be more than willing to fax you for proof. Mr. Anonymous 1 as far as your BK Chap 7, I know that ICR can have that removed if it was placed on your report without the CRA's following every step of the FCRA to place it on their. We give a 110% money back guarantee in writing to significantly improve a consumers credit profile. Here is a scenario "OJ" was on trial for the murder of his wife. His dream team did not defend weather or not he murdered his wife. Rather, they attacked LAPD's crime analysis lab for improperly collecting evidence. They knew that mistakes had been made in this area because there were to many steps that needed to be followed. I mean they pounded at that issue alone. Based on that they created a doubt. One or two mistakes created a doubt to the jury. Additionally, let's say "OJ" had a guilt trip; appeared on the Oprah Show and said "I cant live this lie any longer I did it". There wouldn't be anything anyone could do about it! Enough said and I am done. Thank you and if interested you know how to reach me.
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| | Tuesday, October 03, 2000 - 07:09 pm I can't believe that I'm on the road for a few days and someone like John comes along to spam a MLM scam. "I know that ICR can have that removed if it was placed on your report without the CRA's following every step of the FCRA to place it on their." This is one of the most ridiculous lies I've read in a long time. There are NO steps to be followed! DUH! Go away, John. And of course I'll send John's postings to the FTC. I have NO idea why the FTC doesn't shut that outfit down, makes one wonder if the FTC isn't part of the MLM scam. And like I got nothing else to do, I'll have to now make sure that "There is a $50 removal fee for ads posted more than once" is visible everywhere, not just at the bottom of the credit page.
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| | Wednesday, October 11, 2000 - 04:17 pm It took me a while, but here's my complaint sent to the FTC at https://www.ftc.gov/ftc/complaint.htm: -------------------------------------- At http://www.bayhouse.com/discus/messages/7/859.html?970655393 you can see a variety of offers by ICR Credit Services, nicely compiled for your easy reading. They offer and claim to have removed legitimate derogatory credit such as bankruptcy, and they are selling the MLM opportunities at www.icrservices.com. Excerpts: "We offer a 110% money back guarantee in writing to substantially improve one's credit profile. The FTC, The Attorney General’s office, and thousands of other satisfied clients know us. " and "The FCRA are a set of laws, Federal laws that the CRA's consistently break. We do not challenge or question the fact of what you (the consumer) did or didn't do. We challenge (not by dispute letters but by the law) whether or not the CRA's are in compliance with the FCRA. "Did they dot every "i" and cross every "T". The FCRA states that if they have not that item must be removed. There is no coming back of that item once it is removed and found to be in violation of the FCRA. If they do, that is in violation of the FCRA and subjects them to a fine of 2,500.00 per negative entry. Being that the FCRA is Federal Law that would be double jeopardy (unconstitutional)." and "My wife via our company has had a Bankruptcy removed. I have copies of credit files I would be more than willing to fax you for proof. Mr. Anonymous 1 as far as your BK Chap 7, I know that ICR can have that removed if it was placed on your report without the CRA's following every step of the FCRA to place it on their." I'd really appreciate it if you shut www.icrservices.com down immediately. Christine Baker
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