I also must add that I paid off a few items on my credit report that went into collections, which I regret tremendously. Your credit score will not improve much just by paying them off it will show it as paid, but it still shows up on your credit report. I didn't understand how this wouldn't help and they could help, but he explained it andf it made complete sense they work with creditors to get your negative credit reports removed..I wil update when I get my first report :)
I just got the same call. They claim to be only one of two companies to have FICO qualified analysts at instantly removing disputes on your credit report. The $59 is supposed to be used for a "third tier" credit report. All credit reports are free. No such thing as different level of reports, at least not any that I'm aware of. Too bad they're dealing with a guy who is a manager for a large financial institution that knows a thing or two about credit reports and mortgages.
I received a call this evening from their rep as well. Same situation as to where they would provide service for cleaning up my credit report for $59.95. I am sure they do their job well but as I explained to him I have been working for 4 years disputing item by item and paying others off and increased my score by 269 pts and there is not anything more they can do. He said they could. I have studied hard on repairing ones own credit and there are limits to what can be done and once you have everything bad removed there is nothing $59 can do to improve your score. Only time and building a history can make it grow. They were given my number from a site I entered information in for a FHA loan so I am thinking that site may not have been straight. Oh and Rep told me early in the conversation that my median score of 613 would be good to qualify for a home loan. Later I said I understood one needs a 650 and he said yes they prefer a 680 but can get by with 650. I am glad I told them I would sleep on it before hiring their service. I did tell him I like looking this stuff up on the internet. Not saying they are bad people just suggesting caution. He gave me their website www.imp-capital.com and it does say "home purchase" but you are unable to click on any of the home purchase stuff only corporate items. In their code (if you view source) there is no mention of home purchase or house. Perhaps they are new to the mortgage lending service (my rep said they started 7 years ago) but they should direct their customers to a functional website that is able to assist and answer questions. I believe I will pass on this one this time.
After thought. I decided to verify if they were a BBB A+ company and I am not sure. There is an accredited Imperial Capital LLC in Los Angeles but it is an Investments Securities company. In the source code of the page the rep provided you will find Imperial Meridian Capital USA which is not accredited by the BBB and is an Equipment rental and Leasing company in Los Angeles and the site seems to be more in line with Equipment leasing and renting rather than mortgage lending. Again I could be wrong but I am going to walk on the cautious side and not hire their services.