Here at the Credit Repairmen, we believe in telling the stories of our clients. But we also believe in the people that work for our company, so this will be a running feature introducing you to the employees we believe in as well.
Jackie Garcia is a long time member of our company. Doing what? Well, she’s done it all; assisted our Processing Department, Customer Service, and remains a significant presence among the company’s Senior Credit Advisors. Part of her job is listening to the stories of our clients, and helping them understand how their stories (credit) can be written with better grammar (our gameplan).
We decided we’d let Jackie share one of the most interesting stories of credit repair we’ve personally encountered. It starts with a gentleman named Keith. One day Jackie received a phone call from a gentleman who worked at Wells Fargo. He wasn’t an affiliate, or partner of Jackie’s, but he wanted to set Jackie up with an appointment with this man named Keith. So far so good, right?
“I said okay. So Keith came in the next day for a scheduled appointment. I thought it was gonna be a day like any other, until Keith came in. I don’t think anyone in the office could understand him. He’s disabled, and we had to adjust because that’s just part of his disability. He’s physically disabled, but he’s not mentally disabled. He’s actually really sharp, and somewhat of a smartaleck.”
How did Keith get such bad credit? Aren’t there laws protecting disabled citizens?
“Most disabled people are on a fixed income. But then I find out that he had a caretaker that took advantage of him and racked up about $5000 in credit card debt using his name. He didn’t know what to do. He didn’t know how to file a complaint, or where to go. I told him I think we can help you out. Once I heard the story, I thought ‘man this is just messed up for someone to take advantage of someone like that’. Now I’m about to ask him for money, and I can’t imagine he has it. After the conversation, he actually signed up to make all the necessary payments. But I asked Logan (Skidmore) about what we could do. Logan said give it to him for free.”
How did Keith progress?
“In his first round, we got eight items deleted. His scores didn’t go very far because he didn’t have positive credit. Then in the second round, I signed him up for FingerHutt and that jumped up his scores up. By that point we had roughly $2000 deleted. But the third round was the kicker, in more ways than one. We got the one card he really, really wanted off; it was a $3000 Walmart card that we managed to strike from all three credit bureaus. That was about 80 percent of his negative items deleted.”
“Unfortunately, right in the third round, his wheelchair broke. It was bought by his insurance, but his insurance didn’t cover another wheelchair. Thankfully, given the scores we got him to, he was able to finance for another wheelchair, and a really awesome one at that.”
So where is Keith headed?
“He’s living in an apartment complex, and because he was disabled, the office treats him like crap. There are rats in his apartment, the water is sometimes out, and they don’t clean the place. So we’re trying to get him a house, and that’s where our affiliate, Uprise, has helped us. It’s still hard. He’s not gonna have money for a down payment, so we have to find someone who will front him for a down payment. But the great thing about Keith’s story is that he has a roommate named Jerry. Jerry is not physically disabled, but he is mentally disabled. So Jerry picks up the physical part for Keith, and Keith picks up the mental part for Jerry. Jerry’s dad pays Keith to watch over him, which is fantastic. That’s who we feel like we’re being; people he can trust. He used to be a football coach for Texas Tech. Another buddy of his used to coach also, and he calls Keith every now and then to pump him up.”
For a free credit evaluation to assist you using trustworthy workers, call us at 210-520-0444 or visit us at 6989 Alamo Downs Pkwy, San Antonio, TX 78238.