Delray cc Complaint - Delray - credit counseling
FLORIDA -- 9-2-09
I want to give an update on my review. I still will tell everyone that will listen to not go through Delray. I was able to get a loan from a bank with my mothers help and I almost have it paid off. I further found out that these "debt reduction services" are owned by the credit card companies. Of course they want your money they will do anything to get as much as the can. I had a credit card for 5 years and even though I made the minimun payment each month the balance never went down... It is devestating that there are so many companies that will rob you blind, and even worse that our nation allows them to continue business. I have not even thought about getting another credit card nor will I ever get one the rest of my life.
I just read a review on Delray cc and I have to agree they are not there to serve your best interest. I have been using them for the past 9 months. At first the guy that set me up on the program said that my credit score would sky rocket after three months. Well three months later I am still getting calls from all my creditors, and my credit is still shot. Ok after 4-5 months my credit is still bad and I am getting calls that Delray is sending my payments late. Well I call Delray and they tell me to call the credit card company and change my due date. "Wait, I thought I was paying you guys to take care of my payments?"
Anyway I call the credit card company and change the date. Ok 6-7 months later I can't even get anyone to look at me for a car loan because my credit is still so bad. It gets better 9 months into the program and I get a call from another credit card company telling that I am 30 days late, and I have been 30 days behind for the past 3 months. I was livid my credit score is still very low and now I find out that Delray is messing up my credit more than I did. If I knew it was going to be like this I should have kept on going down my own path, but they promised that my credit score would sky rocket and that I would have no more calls from my credit card companys. I also read the other review and agree that they do want a frist months deposit, but I didn't know they wouldn't return it. But they do screw up your credit and demand payment. Infact my first months payment was 290.00 and after 1 month it went up to 300 and then up to 330. and still every once in a while they send a letter stated that they had to pay extra on a card and want even more.
I will be canceling my "membership" and taking control of my credit cards myself.
DON"T GO THROUGH DELRAY they are not there to help and they will not live up to there outrages promises.