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DEC Credit Corrections in California Makes The News, Not in a Good Way

Here’s the scene.

Wide shot of Beverly Hills residents getting hammered in a bad economy, running up debt and losing retirement savings.

Cut to next scene where Donna Chavez of DEC Credit Corrections collects $1,000 from this out of work, senior, psychiatrist, who was disabled after back surgery. Donna is alleged to have made promises to cut their $100K debt and correct their credit report.

Fade to black.

We see a title, “Six months latter”. Fade title.

Fade in.

Show consumer feeling like a fool for losing $1,000 thinking that their credit would actually get corrected by a company with Credit Corrections in their name.

Jump cut to hand held shot of debt relief company running for cover after debt was not reduced and credit file not improved.

The end.

Damn, it’s a repeat. I thought it was going to be a new show.

From the L.A. Times.

The company, DEC Credit Corrections of Tehachapi, Calif., is run by Donna Chavez. DEC’s website says she started the business “after a bad experience with a credit repair agency who overcharged Donna for repairing her credit file.”

The Rademans paid $1,000 in advance for Chavez’s assistance, according to a copy of the contract provided by the couple. And then they waited for some word of progress.

And waited.

About half a year later, they say they’re still waiting. Meanwhile, they remain buried in debt, struggling to pay their bills.

Chavez told me the Rademans have it all wrong. She said her office hasn’t received any calls or e-mails from the couple for months and has been awaiting additional paperwork related to their finances before proceeding with the case.

“We provide a service to our clients,” Chavez said. “We don’t stiff anyone.”

She also said she never told the Rademans that she could lower their debt. Rather, she said she could help improve their credit scores so they’d be in a better position to deal with lenders.

The Rademans dispute Chavez’s account, but what becomes clear after reviewing their contract with DEC is that they don’t have much to stand on.

The contract makes no promise for reducing debt and says that DEC offers “no guarantees regarding the amount of points credit scores will be raised,” and that the company “is not responsible if clients’ expectations are not reached.”

“It was dumb to sign it,” Rademan admitted. “Promises had been made verbally, but there was nothing in writing.”

For what it’s worth, the Better Business Bureaugives DEC Credit Corrections a grade of F. This is due in part to DEC’s failure to respond to a customer’s complaint and the bureau’s own inquiries, and partly to what the bureau describes as “concerns with the industry in which this business operates.”

Clearly the Rademans got in over their heads through a combination of mistakes and misfortune. In hindsight, they readily acknowledge that running up massive bills on multiple credit cards was a dangerous thing to do.

But consumer advocates and state officials say the Rademans made a bad situation worse by paying $1,000 upfront for a credit counseling service, with no real promise of action in return.

Frequently, they say, such services are little more than scams.

You can read the full article here.

DEC Credit Corrections in California Makes The News, Not in a Good Way
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About Steve Rhode

Steve Rhode
Steve Rhode is the Get Out of Debt Guy and has been helping good people with bad debt problems since 1994. You can learn more about Steve, here.
  • Guest

    Just finished my experience with DEC.  BEWARE!!!  And for those that want to call me out, I DID understand was I was getting into.  If you’re a “credit repair” expert, I’m guessing you should know that if your client is trying to qualify for a home loan using VA (According to lender I used), you can’t have any accounts with “Account information Disputed by Consumer” on the credit report.  Because of letters generated by DEC to the bureaus, I have 5 accounts with that status.  DEC’s response in an email to me?  It’s my fault for deciding to buy a home during this process.   Interesting that in mid to late Feb, we informed DEC we were looking to purchase a house and just learned on Friday we wouldn’t qualify.  I guess almost 4 months in advance isn’t good enough.

    The process isn’t rocket science people.  You find out what’s on your credit report, if anything isn’t yours or isn’t accurate, you dispute it with the bureau’s, and they verify it with the creditor.  The creditor reports their findings back to the bureau’s, and the bureaus reports their findings back to you.  If you want to re-dispute it because the accounts truely aren’t yours, that’s an option.

    DEC re-disputing accounts tied to my bankruptcy claiming they weren’t mine was pointless and a waste of time.  My advise.  Save the $1,000 and dispute the items yourself directly with the bureau’s.

  • Guest

    Just finished my experience with DEC.  BEWARE!!!  And for those that want to call me out, I DID understand was I was getting into.  If you’re a “credit repair” expert, I’m guessing you should know that if your client is trying to qualify for a home loan using VA (According to lender I used), you can’t have any accounts with “Account information Disputed by Consumer” on the credit report.  Because of letters generated by DEC to the bureaus, I have 5 accounts with that status.  DEC’s response in an email to me?  It’s my fault for deciding to buy a home during this process.   Interesting that in mid to late Feb, we informed DEC we were looking to purchase a house and just learned on Friday we wouldn’t qualify.  I guess almost 4 months in advance isn’t good enough.

    The process isn’t rocket science people.  You find out what’s on your credit report, if anything isn’t yours or isn’t accurate, you dispute it with the bureau’s, and they verify it with the creditor.  The creditor reports their findings back to the bureau’s, and the bureaus reports their findings back to you.  If you want to re-dispute it because the accounts truely aren’t yours, that’s an option.

    DEC re-disputing accounts tied to my bankruptcy claiming they weren’t mine was pointless and a waste of time.  My advise.  Save the $1,000 and dispute the items yourself directly with the bureau’s.        

  • Patrickdlt

    Gee…..everything the LA Times prints is true and factual? LOL I have a bridge in Brooklyn you might be interested in buying. I will get it to you for a great price too. Just let me know.

  • Patrickdlt

    This is crap…..I worked with DEC for years when I was a Loan Officer. She did fantastic work in raising credit scores for my clients. Its clear this person didnt understand what she was offering. Its sad that someone that doesnt understand the service they are getting, expects even more and then complains about it. I got at least 7 families into homes they never would have qualified for because she was able to raised their FICO scores……she raised mine over 125 points. Dont believe me…email me, [email protected] and I will show you the before and after credit reports.

  • Patrickdlt

    This is crap…..I worked with DEC for years when I was a Loan Officer. She did fantastic work in raising credit scores for my clients. Its clear this person didnt understand what she was offering. Its sad that someone that doesnt understand the service they are getting, expects even more and then complains about it. I got at least 7 families into homes they never would have qualified for because she was able to raised their FICO scores……she raised mine over 125 points. Dont believe me…email me, [email protected] and I will show you the before and after credit reports.

  • http://mona mona

    We have several groups it is not just one. And any one can find out the truth about you they just have to type in your name and their will be hundreds of neg about you steve. good luck

    • http://GetOutOfDebt.org Steve Rhode

      Are you not able to answer my questions?

      Since I offer no products and services, what business did you do with me?

      What sites are you claiming I assisted you on before? When?

      You still did not answer my question, what is the name of your group(s)?

      How did I tell you debt settlement companies were a ripoff when I just praised one on the site today?

      Steve

  • http://mona.com mona

    Steve Rhode– Getoutofdebt.org
    Friday May 7,2010

    I did business with Steve Rhode of getoutofdebt and he is a crook
    I just found out that he has switched his company name and website a couple of times We guess he is trying to out run bad comments.

    He told me that debt settlement company:s were ripoff but he is the one ripping people off. I now know that he bad mouth other company’s that would have helped me if I had choosen go with some one else. I had a friend who used someone else and had great result and the company she used was DEC, and now I have been working on sueing Steve Rhode

    • http://GetOutOfDebt.org Steve Rhode

      Since I offer no products and services, what business did you do with me?

      What sites are you claiming I assisted you on before? When?

      You still did not answer my question, what is the name of your group?

      How did I tell you debt settlement companies were a ripoff when I just praised one on the site today?

      Call me crazy, but it hardly seems like extortion is the way to improve the reputation of DEC Credit Corrections and the more you post the worse you make them look.

      Steve

  • http://mona.com mona

    Mr Steve I see that are converstation yesterday just did not get through to you . So this is what we are planing on doing about you, We will post one fact about you every day untill you do the right thing.

    • http://GetOutOfDebt.org Steve Rhode

      My plan is exactly what I said, let me know when the L.A. Times retracts their story and I’ll retract my story saying they published it.

      You did not answer my question. What is the name of your group?

      Steve

      • http://mona.com mona

        You know they dont retract stories but the Editor is reviewing it.

      • http://GetOutOfDebt.org Steve Rhode

        I reported they reported it. That’s my story.

        As I said, let me know when and I’ll remove it.

        Steve

  • Karma

    Karma is a killer. A website that continually posts derogatory information without considering or offering competing viewpoints is a drain on the web.

    Oh well. Pot shots will continue I suppose, but karma in the long run is a killer.

  • http://bummer39.com mona

    Mr Steve do you have any facts to back this blog.? I think not, because they are lies, how ever I can prove that you have done this before posting story,s off other blogs with out the facts and what we are going to do is start bloging abaout you but the big difference is that we will be telling the truth. You know nothing about DEC or what they do or even how they do it, They are the most honest company that we have found, so you need to watch out for us because me being a small business owner to you can hurt campanys, we have over 7000 members in are group and every one of us will let the world know about you and your lies,. So keep reading and maybe you will find the truth. Mona

    • http://GetOutOfDebt.org Steve Rhode

      Mona,

      Huh?

      Here are the facts.

      1. The Los Angeles Times published an article titled “Be wary of ‘credit correction’ companies.”
      2. I quoted from that article and linked to it so people could read the full article.
      3. I’d hardly qualify the Los Angeles Times as a “blog.”
      4. The L.A. Times has not retracted their story and they stand behind the facts in their story.
      5. My story was that the L.A. Times published a story about DEC Credit Corrections, which they did. That’s a fact.

      I’m curious, what you mean when you say “They are the most honest company that we have found” and “we have over 7000 members in are group.” So are you with DEC Credit Corrections? If not, what group are you with?

      By the way, I’m not the person you need to go after to get a retraction or complain about the reporting. You need to start with the L.A. Times and if they retract their story, I will subsequently as well. That’s a fact.

      Steve

      • http://mona.com mona

        Steve you posted it, and you are responable for what you say. We have used DEC in the past. And are group,s range we are here to make sure the truth gets out about any company The story was written not on facts The lady in question was a Dear Friend of his, And we are addressing it with LA Times and will make sure that (he) is dealt with. If any of the story was correct we would not be haveing this debate. Have to ever Talked to Mrs Readman, or have you ever talked to DEC you just go by what someone else says, We have are facts where are your’s beside what you read, just check it out for your self. Mona

      • Patrickdlt

        Gee…..everything the LA Times prints is true and factual? LOL I have a bridge in Brooklyn you might be interested in buying. I will get it to you for a great price too. Just let me know.

  • Raj

    She got money from my friend but did not do anything for her. My friend was having hardship but still she paid $1100 upfront. Donna did not do anything for her and not even bother to call her. Donna is fraud.

    • boxer

      Why dont you tell the truth you are talking about yourself not some one else, and she did do work for you and had cleared alot off you credit, but what she did do you wanted more you need to read your contract and this fool who wrote this is bies the clients are suppose to keep in contact with her and they did not Donna cant be in every one mail box you are afool.

  • Sarah Blightmein

    I had an amazing experience with DEC. They did do exactly what they told me they would do, and it seems that these folks possibly didnt explain their situation fully. Unfortunately not everyone will have good experiences, but honestly I would recomend Donna to anyone and already have. It’s unfortunate that you blab your bull all over the net over ONE person’s experience. You fool.

    • Meenu

      This Lady is a fraud. She will regret one day for taking money from innocent people. God will never forgive her. I pray to god everyday.

      • Sarah Brouthand

        A fraud? Howabout you understand what services will be rendered before you pay money? You fraud yourself. She held up her end of the contract, and now we can finally buy a house. Seriously, do some research.

      • Kay

        I agree with Sarah. We could refinance with better rates thanks to Donna. I dont think she will regret a thing. We sure are happy customers.

      • http://GetOutOfDebt.org Steve Rhode

        Kay,

        I’m curious, do you know Sarah or room with her?

        Steve

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