Tim Allen Smith of Orange County Credit Services (OCCS) guarantees to repair your credit by using inside people connected to the credit bureaus. He says it will take 14-21 days and the cost can be around $600. He has you pay money into his personal account. He charged me $1250 to also change my DTI. He gives you a form to say you can get a refund of your money at any time if not satisfied. I have never received my credit report and have never been able to get my money back. It's been almost 4months now. He has several phone #'s which he uses in his different ads and 2 different addresses, which apart from driving to the addresses, I can't find them, nor is his business registered. He advertises on Craigs List and his ads sound convincing. He plays mind games on the phone constantly pretending that your credit is ready and then you don't hear anymore for another week, when he goes through the whole scenario again. I do intend to take him to small claims court and I do have a copy of his CA driving license which I made him give to me before I gave him any money.
Beware of this man and this company - they are scam artisits.
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