Clear violatior of the FCRA Mr. Marcus and Mr. Smith are clearly violating the Fair Credit Reporting Act. This company sent me a mailer. The mailer contained my current revolving debt level, which they could have only gotten from either one of the credit bureaus, a data reseller, or theft. The credit bureaus and resellers are required by the FCRA to put in my file the names and addresses of every ultimate user (called "end-users" in the law) of my consumer credit report. Neither "321Loans, Inc", nor any of the other companies owned by Mr. Marcus and Mr. Smith appear as end-users on my bureau reports. Which means, unless "321Loans" stole the info, someone's lying to the bureaus, which is a violation of the law. More to the point, any time you send an unsolicited mailer using consumer credit information (like overall debt levels), you must include on the mailer the disclosure required by 15 USC 1681m. That didn't appear on the mailer from them. That's illegal. Don't trust a place like this, they don't follow the laws they claim to know so well. Hopefully, they will soon meet the fate of their fellow scammer Michael Ainbinder and his "Golden EG Ventures LLC".

questionable company? I have been with this company for several months now to help straighten out my finances and mistakes that I have made in the past. The only thing that I have seen, is that my payments are taken each month and this MYSTERIOUS balance of 5 thousand dollar "plus" drops a little bit each month with each payment. Now what is this balance?? No debt has been paid and SEVRAL creditors have been willing to settle for LESS than originally owed, whats wrong with this picture and I NEVER get any straight answers.

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Dinora has been extremely helpful and … Dinora has been extremely helpful and courtious. She has explained every question i had with good knowledge and care to help me with all my concerns. As far as i am concerned if your company had more representitives like her there would never be any issuse. Thank You, Raymond ST. Louis

Amazing Service When I call in I usually get one person repeatedly. That Agents name is Rita Daniels. She is an amazing csr, and is very direct and helps me understand all I need to know about my bill everytime I call. Very smart and intellectual customer rep, and she needs a raise! Give her a raise please, cause she definitely deserves one!!!