Happy Overall for What They've Done; Definite Improvement I've been a client with EZ Choice since March of last year after having researched a number of credit repair companies. Manny and I spent a couple of hours on the phone in my initial consultation, which surprised me because I figured he'd prefer to focus on enrolling other people in his company's services. He was pleasant, candid and was happy to answer my questions and concerns. That was a shock to me. I left the phone call knowing I had made a wise choice. He and his team worked quickly to remove several negative items from my reports. I saw a marked increase in just a few months' time. I went from the mid-500s to nearly the mid-700s in about six or seven months. Seeing this, and keeping up with my paperwork as it would come in, kept me excited. Things evened out at the beginning of this year. I was thrilled with my new credit score, but I believe that my own efforts to be fiscally responsible hurt my overall score. I haven't been able to confirm that, but I know a couple of changes in recent months may have contributed to a lower number. In addition, TransUnion is now using a different scoring model, so that brought me down some. None of this has to do with the performance of the team at EZ Choice Financial. They've always been quick to get disputes out and update me via email. I will say that I don't necessarily know that I'm more knowledgeable about credit use, credit in general, credit scoring or the credit industry at large. I was hoping to become wiser as this went on. There is information available on their website and the opportunity to speak to someone weekly about these things, but it's not really pushed. I do have more resolve and at one point could see myself financing a car or house at a great interest rate. With newer developments, I'm just going to have to put in more time to make sure my numbers stay where I want them. I've only had a couple of concerns in the time I've been a client, and they were handled quickly and professionally by Manny's team or by Manny himself. I agree with another reviewer that I wish I knew how they were disputing certain items because it does seem that after a certain point, it has been re-submissions for the same items that have been previously confirmed. Also, each bureau has different information reported to it, so my results (as best as I've been able to discern) are not uniform. I wish they were. That said, the major negative issues have been deleted/corrected. In conclusion, I am grateful for their help and am happy overall with the results they've provided in the timeframe the contract specifies. I would definitely use them in the future, though I would do it more for sprucing up than to get out of a dire situation like I was first in.

They were ok at first..: At first they fill your head up with all kinds of things and tell you that once your contract is going to be up, that they help build your credit and find credit companies that will work with you. But as soon as my last payment was done with. I never heard from them again, never got advice as in what to do next. I will admit that they were able to get things off of my credit, but the things they tell u you to get you to sign up are simply not true.

Hoped for better results. I have had some deletions but my credit score has hardly come up at all. The first year I brought in my reports as soon as they came in but the past couple months I have been traveling and have been unable to. For this reason I was told I would not have as much success. It has also been hard to keep track of what has been deleted. The only way to do so apparently is if you keep all the email threads and if you ask for them it always seems it is such a burden to do so. Most recently I asked for summary of my deletions and I have yet to receive anything. It would be nice if there was a way to keep track of your deletions, say a login or shared document that the consumer could review at their convenience, instead of searching through old email threads. It would also be nice if some of the staff were not so condescending when you ask questions.

Waste of money. worst, waste of money. I have been working with them for 2 years but no good results. Manny mesmerizes before signing up saying he knows all things, once signed up , you will face the same problems I faced.

Imorived credit After 6 months I have been able to restore my low 500 score to a close 700 score today. EZ Choice Financial keeps close eye on all your documents and handles all disputes and changes in need to update your file so the three credit beureous have similar info. Overal great for me!