Pros
Remote without doing a visual presentation so you can wear what you want
Cons
After wasting my time affiliated with Credit Wellness LLC for over a month I can concur that this company operates a “boiler room” operation using deceptive sales practices that are either misleading or downright false to vulnerable prospective callers who think they are calling a collection agency to pay their debts. To summarize and confirm what others have said about Credit Wellness LLC – it is a scam and they should be shut down. With proof: • The script is written where you cannot identify yourself until the caller asks three times with who you are. However, by the third time the caller is irate. That automatically should be a concern if a sales person cannot identify themselves immediately. • Credit Wellness LLC uses IdentityIQ to access a credit report. It is a third party source which costs $1 for this access. Then after they hook the customer for their service, it is an additional $24.99/mo which the customer must pay for Credit Wellness LLC to continue to access their credit reports. • Credit Wellness LLC charges $298 up front then $99/mo for a minimum of 90 days to “dispute” collections. To save $575 or more in wasted expenses, credit repair services can’t do anything that an individual can do on their own, and Credit Wellness LLC or any other credit repair service definitely can't remove negative remarks from credit reports if they're accurate, timely and verifiable. Only these type of errors can be addressed and corrected: accounts that don’t belong to you; bankruptcy or other legal actions that aren’t yours; misspellings or erroneous entries; negative marks that are too old; or debts that cannot be validated and verified. This information plus more can be found at the Consumer Financial Protection Bureau website. • Finally, the Credit Repair Organizations Act prohibits untrue or misleading representations and requires certain affirmative disclosures in the offering or sale of "credit repair" services. The Act bars companies offering credit repair services from demanding advance payment, requires that credit repair contracts be in writing, and gives consumers certain contract cancellation rights. Sounds like Credit Wellness LLC is in violation of this act with their $298 upfront fee In conclusion, Credit Wellness LLC hires 10-15 people weekly as 1099 contractors after a thirty minute interview. That’s a minimum of 500-750 people annually. Yet, on their dashboard only 50-70 people are trying to make sales daily. The average number who actually make sales are about fifteen. Also, if you don’t make a minimum of three sales daily you are gone. All of this shows the heavy turnover which occurs at Credit Wellness LLC. Worse, you are trained by an inexperienced novice who thinks reading a script to one another is a productive endeavor so it is a sink or swim environment. Additionally, those 5k positive reviews on TrustPilot are all submitted when a customer is freshly signed up with false hopes and beliefs that their collections are going to be successfully disputed and possibly wiped out. A more accurate review should be submitted after services are rendered. Besides, why aren’t there any 1-4 stars reviews? It’s ironic that all 5k are 5 star reviews. Makes you wonder about the true accuracy of them. Lastly, why deal with a company with a multitude of lawsuits filed against them? Google them. Definitely stay away from this deceptive operation. They should actually be shut down