Cole's Credit Repair, Courtney Cole, Courtney Hitchcock, Coles Credit Repair 1 Courtney is a Bullying Scam Artist East Coast Internet

Courtney Cole's rebuttal is completely FALSE.

She does not respond to inquiries in a timely manner and her "instructions" are very unclear. In fact, she ignored my timely emails and then requested I resubmit the same exact emails all over again weeks later, then stating they were "late" and would require an additional fee. Her customer service is obnoxious.

The only reason why she offered to "extend" my services for another fee was because I reported her to PayPal. She insists on being paid by PayPal's FRIENDS & FAMILY to a personal account (no fee and no recourse) or a CASH DEPOSIT at her bank! No business account, credit card payment, or checks accepted. If this doesn't appear scammy, I don't know what will. 

I did not have a "fit". I was very concerned because my service was not complete and she was playing games and demanding an additional fee.

Courtney Cole refuses to answer questions (she'll tell you to look it up yourself or that she doesn't have time because she has a baby), does not give thorough information and is incredibly rude and unprofessional. On several occasions, she berated me for emailing her after hours. Huh? I explained on more than one occasion that if her office was closed, she should respond the following day. She has anger issues, folks. Seriously.

I have no idea how she's managed to stay in business for 8 years.

I don't think I need to say more. Buyer beware. Save yourself the money and aggravation and use the letter I posted. It's all you'll get anyway.

There's always two sides to a story. I will be short and sweet. Our terms are when a client's service expires, they have to renew the service and pay for it. This client went past her time of 90 days. The service includes two sets of letters, it is clearly stated that if we aren't notified within a week before the expire date, they must pay to renew the service. Because this client had a total fit because she did not contact us in time, we offered to do the letters for her, she then filed a report and said she would rather report us then have the work done for free. Is this fair? no way.

If anyone has a problem with our services, have the courtesy to email us or call before submitting a report. There's always a resolution to the problem. We have been in business for almost 8 years successfully working with thousands of clients, we have excellent testimonials here http://www.colescreditrepair.ws/testimonials, and all are proven to be authentic. Some people aren't happy or insist on being hateful. We try our best to make sure that all clients are satisfied with our services.

I thought I'd share the letter I received for their "Full Credit Sweep" that I paid $500 for those who are skeptical of my previous post.

Please use your best judgement and do what you can on your own. This 3-month "Full Credit Sweep" template letter below was not worth the $500 i paid in good faith, along with Courtney's poor treatment. Be sure to get your letter notorized and send it in a full-sized envelope.

Good luck!

May 25, 2016

CERTIFIED MAIL TRACKING# XXXX XXXX XXXX XXXX XXXX

Your Name

Address

City, State, Zip

SSN:  000-00-0000                             DOB:  00/00/0000

Equifax

P.O. Box 740241

Atlanta, GA  30374

According to the Fair Credit Reporting Act, Section 609 (a)(1)(A), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report.  Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof (an original Consumer Contract with my Signature on it) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.   Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.

I demand the following accounts be verified or removed immediately.

*  Please remove all non-account holding inquiries over 30 days old.

*  Please add a Promotional Suppression to my credit file.

Sincerely,

Your Name

Enclosed is a copy of my driver’s license, SS card and third form of ID

She has no license to do Credit Repair and her contract is not legal. If you used a credit or debit card do a charge back or contact the FTC .She has done this to many people.  She lives in Sunny Isles Florida and is not Licensed in the State of Florida. Her services can not be performed in the time and mannor she writes them up for. People need to start putting stuff up on her youtube page and her website colescreditrepair.ws and warn other people of the fraud she is committing.She did the same thing to my sister.

UPDATE: 

Courtney Cole canceled my 3-month, 2-part service on August 2nd when it was to exprire on August 8th. She then demanded an additional $350 to complete the 2nd part of my original service after having been paid $500.

I still had 6 days left. I explained this to Courtney in an email. I received a "tough luck" email in response.

I contacted PayPal to file a complaint. They explained to me that she has been investigated for fraud in the past and would look into my concerns and continue monitoring her account. The next day, I received an email from Courtney stating that I was reponsible for her PayPal account being restricted. Really? I wonder why. I'm sure PayPal would not have an issue if you were conducting business properly. I was not the person scamming you, Courtney Cole.

I lost $500. The letter template I received for the credit bureaus was not worth anywhere near that amount. At most possibly $99 on the generous side.

Buyer Beware.

I forgot to add my credit scores and thought it was only fair since there are so many great YouTube testimonials.

They did change slightly:

Experian: 619 to 621

Equifax: 590 remained the same

TransUnion: 644 to 651 (they deleted an item that Experian did not)

I'd also suggest looking into this on your own. You may want to start with Winston Shrout at www.wssic.info. He teaches how to reclaim your status, etc., instead of using the Wiccan Witch, Druanna Johnston, that Courtney recently teamed up with! Need I say more?