From: Toombs, J
Sent: Friday, April 15, 2011 1:27 PM
To: Mary Cowart
Subject: Emailing: Current Credit Report

Mary, I have to say that I had my doubts as to if this would work or not. I can't believe how big of an improvement I see…and we just got started! I have given your information to some of my friends who want to start the process of buying a home! For the first time in a long time I feel like I really can buy a house in June!!! I can't thank you enough for your help. I know when we are done I will get an awesome interest rate!
Thanks again,
J

From: Tonya H
Sent: Wednesday, March 09, 2011 11:39 AM
To: Eric Gomez
Subject:

Hi, I have recently become a client. I have been dealing with Greg Briette and would like to commend him for helping me understand clearly what is going on and continuing to be of valuable service. He is doing a great job. Thank you Tonya H

From: Jerry 

Sent: Monday, February 14, 2011 10:11 AM
To: Nikki Harris
Subject:

HAPPY VALENTINE”S DAY from someone you helped along the way!!!!!!!

JERRY L

From: vincent g
Sent: Thursday, January 27, 2011 3:36 AM
To: Eric Gomez

Subject: Thank you

I just wanted to take a moment to write a letter and thank R.M.C.N. for the time and effort that you guys have shown me over the past year. I came to hear about R.M.C.N. through a friend,who at the time was trying to help my girlfriend lease a car. It was the same old situation that I had been through,time and time again.This time around the girlfriend didn't have bad credit ,just no credit! When asked If I would be willing to co-sign,I said sure,but after they ran my score they decided it would be best if I steered clear of the whole thing.

Since I was about 20 yrs.old I have made a series of wrong decisions. Including letting my father as a co-signer go into repossession,not because I couldn't make payments but because I just didn't. 8 years later after having to pay for everything with cash, because of bad credit.I finally was able to get back into a new truck,but not without several thousand down.Then that eventually was repossed.Throughout the 90's I incurred medical bills,repose, slow pays and just plain delinquent. i had never thought about being financially stable.It wasn't in the cards for me.

As i was sitting next to this young lady,who was eventually to become my wife, I felt pretty low,not being able to help her with her situation.Of course she didn't expect it, I just did.   That day was the first day I have ever heard of R.M.C.N. that was also the day that I made a decision to change my life for the better!  After receiving the card with the number on it,I called it a few days later. I simply set up a meeting,went to see,what I would now call my financial counselor,and took the first steps toward a freedom, that can't be put into words. They set up a small payment plan,that I could afford, on a bartenders salary. I was  told if I follow the rules that they gave me, and followed through with our agreement,that I would see a light at the end of the tunnel. I did exactly that. My score started at a 620,they said it wasn't terrible,but if you have a 620,when you go to purchase a car for 16,000 ,they ask for 13,000 down!  After only 7 months of doing what I was told, my guys at R.M.C.N. ran my score and it came back a 738 755 788.   I was able to get my first purchase at Honda with no money down,they said I could have anything on the floor.  I still speak to the particular man that was with me through this great moment in my life.That's because even after they did their job,and I did mine,they still answer any and every question I have.  Believe me I have allot. They have given me the tools to understand what we need credit for,and its not to go spend spend spend,its to be able to look at our loved ones and know if something happened that wasn't planned,then you can be there to see it through. Yes I did go and purchase a new motorcycle,but only after I finished paying off a 21,000 Chevy tracker,which is how much you pay with bad credit,and getting my wife's permission,oh and having 3,000 dollars to put down on the bike.Which made my payments even lower.The guys at Honda thought because I didn't need any money down then I could buy a bunch of accessories. The guys,at R.M.C.N. taught me different.   I have letters in the mail today telling me,because of your great credit you can have this or have that. I don't want or need anything more than I am already blessed with, I still make the same amount of money as before,it's just that now I live securely,and man does it feel great!

 So thank you R.M.C.N.

From: Lindsay H
Sent: Wednesday, October 20, 2010 3:38 PM
To: Kevin Power
Subject: Re: Lindsay, you are nearing the completion of our program.

Actually Kevin, I am very happy with everything that has been done thus far and ask that this be the end of the journey. I appreciate all the hard work that you and your staff have done for me, and am very happy to have my score just under a 600......thats a HUGE step from a 423. So thank you again, but I don't believe I will need your services any longer!!!!!

Lindsay H

From: ****ste***@att.net
Sent: Sunday, September 19, 2010 6:19 PM
To: Cody Adair
Subject: Re: Good place to pull credit

Cody,

I pulled my report from myfunding and here are the results.

Equifax 774

Experian 707

Transunion  714

I am extremely happy with these, and after 2 months this is awesome. Thank you very much, I spent all weekend telling friends and family about the results of the credit Cowboy.

James

From: Katie Tatum
Sent: Tuesday, August 10, 2010 8:43 AM
To: Lara Harrison
Subject: Re: RMCN Results Update for Kathleen E

This letter is to acknowledge what a great job Joe Camacho and RMCN does with my customers I send him from Fairway Mortgage. 

I have been in the business 15 years and have never had much luck with credit repair companies or people until now.  They always seem to charge a lot of money, produce no results, and then leave the company.   

This is exactly the opposite with Joe and RMCN.  I have referred at least ten people to Joe and he keeps me up to date on each customer and their progress.  He has been able to set a target score for each of them and hit it as long as they stick with the program. 

Each person’s credit history is different and has individual needs, stories, and circumstances.  Joe takes the time to find out the problems and then creates a plan that is tailor made to improve their scores.

In today’s market credit repair is an essential element of a mortgage lender’s business plan.  Even people with 620+ credit can be scrutinized with disputes, collections, charge off’s, judgments and a whole host of other credit issues which are now relevant in underwriting.  Gone are the days of easy approvals, stated income, and sub 500 credit score approvals.  Fannie Mae and Freddie Mac require letters of explanation on all parts of a credit report and a clean credit report is paramount to underwriter approvals. 

Another new development in mortgage is a tiered rate schedule.  This means you get better rates for better credit scores.  Having an expert on your side improve your credit scores pays for itself quickly in the amount of interest you pay over time. 

I whole heartedly recommend Joe and his company and will continue to send my client base who need credit improvement to him. 

Sincerely

Patrick Kirby
Mortgage Banker

Direct: 972.899.5161
Fax:    972.899.5152
Email: Patrickk@fairwaymc.com

Apply On-line at: www.fairwaypatrick.com

Nikki Harris is dedicated to helping her clients achieve the credit that they have always wanted through hard work, integrity, and excellent customer service. Nikki spent most of her working life in the auto industry as a Finance Manager and Director, and later as a Loan Officer in the mortgage industry. After sending her own mortgage clients to RMCN Credit Services for help, Nikki decided to join the team and help whomever she could get the credit they wanted and needed. Nikki enjoys visiting her family in the Virgin Islands, spending time with friends, and cheering on her favorite sports teams.