我在 Helping Hands Financial 工作了九个月。他们对一切都撒了谎,他们一开始就非常迅速,让一切听起来都很完美。到了第三个月,他们就不再控制我了。我的信用实际上下降了,因为他们通知了我信用报告上的所有收债机构,他们已经三年了,通过这样做,他们都更新了我信用报告上的信息,所以它使我的信用下降了很多分。到了第四个月,他们说情况会好转,我们保证。相反,情况变得更糟。我还清了所有的信用卡。我完全按照他们告诉我的去做,但没有任何改善。他们是一个完全的诈骗公司,请不要使用它们,因为你的信用在六个月内不会达到 700,就像他们说的那样,我保证你会再次逃离他们,他们是一个完全的诈骗公司,如果你查看评论,他们只是刚刚注册的人。我找不到任何与他们在一起六个月或更长时间的人逃离他们,他们也没有退还我的任何钱。我见过的最糟糕的公司完全是骗子和骗子。请阅读这篇文章并听听我的声音。他们会找那些处境不好、信用不好的人来利用你。这对这家公司来说真是可悲的耻辱。我希望这家公司破产,这就是我要说的,我会继续每天把这些报告放在他们的信托试点上,这样如果我能给你任何建议,人们就能看到真相,兄弟的债务合并可能需要几年时间,但它会重建你的信用,你会摆脱债务。
Helping Hands Financials LLC 回复2026-08-03Hi Derek,
We're sorry to hear that your experience did not meet your expectations. We respect your right to share your opinion; however, we'd like to provide additional context regarding your account so readers have an accurate understanding of the services provided.
1. "They lied about everything... They are a complete scamming company... complete liars." These are serious allegations, and we respectfully disagree. Throughout your enrollment, our team followed the process outlined during your consultation and in your signed Service Agreement. Our goal has always been to challenge inaccurate, unverifiable, or outdated negative information while providing education and guidance to help clients build stronger credit habits. We strive to be transparent about our process, and no specific credit score or outcome can be guaranteed because every client's credit profile is different.
2. "By month three they stopped getting a hold of me." Our records show that your account remained active until it was CANCELED IN APRIL. During your active enrollment, our team continued servicing your account and communicating with you. Once an account is canceled, DISPUTE ROUNDS, ACCOUNT MONITORING, AND ACTIVE COMMUNICATION naturally come to an end.
3. "My credit actually went down because they alerted all the collection agencies..." When disputes are submitted, the CREDIT BUREAUS contact the data furnishers to investigate the disputed accounts. During that investigation, creditors or collection agencies may update the information they report, which can sometimes result in TEMPORARY CREDIT SCORE FLUCTUATIONS. While we understand that can be frustrating, your account also experienced measurable progress, including the removal of 10 NEGATIVE ITEMS, consisting of 7 COLLECTION ACCOUNTS, 2 CHARGE-OFFS, AND 1 HARD INQUIRY.
4. "I paid all my credit cards down... I did exactly what they told me to do... my credit will not reach 700 in six months." We appreciate the effort you made toward improving your credit profile. Credit score growth, however, depends on multiple factors beyond the dispute process, including PAYMENT HISTORY, CREDIT UTILIZATION, CREDIT MIX, ACCOUNT AGE, AND NEW CREDIT ACTIVITY. During your enrollment, your CREDIT UTILIZATION REMAINED AT 32%, and your MASTERCLASS PROGRESS WAS 18%. These factors, along with the information being reported to the credit bureaus, all contribute to overall credit score movement. For that reason, results and timelines vary from client to client.
5. "They did not refund any of my money." Your signed SERVICE AGREEMENT explains that fees are NON-REFUNDABLE because work begins immediately. It also includes our 70% DELETION GUARANTEE, under which we continue providing services AT NO ADDITIONAL COST after six completed rounds if the guarantee conditions are met. According to our records, your account ended before all six rounds were completed, so that stage of the program was not reached.
6. "The reviews are only people that just signed up." Our TRUSTPILOT reviews come from CLIENTS at different stages of their credit journey. Some reviews reflect clients' onboarding experience, while many others come from clients who have completed multiple dispute rounds or successfully finished the program and are sharing their long-term results.
We understand that your experience has been frustrating, and we're genuinely sorry that it left you feeling this way. Our intention has always been to provide transparent guidance and support throughout the credit repair process, and we regret that we did not meet your expectations.
We appreciate you sharing your feedback, as it helps us continue improving our service. We sincerely wish you success on your credit journey and thank you for giving us the opportunity to work with you.
Your Helping Hands Financials Team