This man is a career criminal to say the least. He claims to do credit repair and will gladly take your money with all sorts of promises. His credit repair contract needs to be read carefully. His warranty is worded in a way that makes it 99% impossible to win if he fails to perform. His arrogance regarding any issues you might have is unbelievable. He will tell you how he is a man of integrity, that he is above board and has connections in high places to get things done, but in actuality he doesn't know what he is doing and with attempt to extort you with threats if you attempt to recover your money.
I do have knowledge of atleast 20 other individuals that have been bilked by this man. He operates his businesses in a way that always casts doubt as to whether he is really culpable. Its the classic onion with several layers. His main company, Consumer Credit Information Association, is under the name of his partner Herb Miller. Herb seems to be setup as the fall guy in their relationship if and when anything big goes wrong. Herb has a jewelry store, called Robard's Jewelry out of Auburn that Gary brags about having control over without being the actual owner.in tandem, Gary uses the jewelry store's ability to post "positive" trade lines to an individual's credit report. This is a big sales technique he uses to get people going. He offers this as a free service, but fails to mention that in the fine print of there is a service fee of $199 that will be billed.in addition to this, he is illegally backdating credit history for people, which positively improves their credit score, but of course is illegal.
As far as credit repair. His main deal is credit inquiry removal.in regards to actual credit repair he claims he can have anything removed within a week for the right price, but otherwise he says he can remove everything within 6-8 months. But read carefully, his contract only is saying he will remove 25%, but he will never tell you.
He also does business credit. This consist of him fraudulently posing as the client and running their personal and business information with several banks simultaneously. If necessary, he will create documentation that supports the false information he is submitting for their income and other vital parts of his application process.
He will do a phone consultation with a prospective client.in that phone call he will gather information about them, as well as find out their current financial situation. He generally will BS with them about whatever they are into. If for example they are into Real Estate, he will tell them about his contact that can buy homes and close double escrow. Or he might go on about the home he is currently planning on purchasing for $4M or he might go on and on about his loan modification contact. Once he gets them hooked, he moves on to what he is able to do, which isn't much.
Most of the people, like myself, are looking for business credit. Being from LA, there are all sorts of scams. He came highly recommended to me by a mutual business associates. After talking about what I wanted, I received a bill for the removal of all my credit inquiries, which was unexpected to say the least. When I confronted Gary about this, he told me that he made it very clear that I needed to have those removed from my credit and that I just wasn't listening. I told him that I was not going to pay, which made him upset. At this point I was afraid to push too much more. He told me that he had already paid for the inquiries to be removed and that he would not be left holding the bag. This upset me and I told him that I would report him to the Better Business Bureau. At this point, he told me that if I did this, he would file a lien against my credit and place judgments against me that would make it impossible for me to ever do business again.
Since this occurrence, I have talked with many other individuals that have been screwed by this man. I have dug up the dirt and it shows that this man is a career criminal, but smart enough to not get caught, so far. But he has messed with the wrong person and luckily I have the money and resources to take him down.
Please raise your voice if this man has done the same to you!
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