Lang Smith and Credit Mastery Challenge, At It Again. Still Looking for Suckers Willing to Pay.

Previously I wrote about Lang Smith and his Credit Mastery Challenge, See these articles. Well apparently Lang Smith is at it again, still pushing his quite possibly illegal advanced fee credit services in violation of the Credit Repair Organizations Act.

Consumers receiving his emails are alarmed and reporting his continued marketing efforts to me. In a moment I’m going to show you the latest emails I’ve received from tipster (send in your tips here)s.

The Pitch

It appears Lang Smith, through his company ECR Solutions at 4720 Salisbury Road, Jacksonville, FL 32256, is soliciting consumers to pay for credit repair services, as he has before. See this article.

The Credit Mastery Challenge appears to be nothing more than trying to entice consumers to pay to have negative information removed from their credit reports. But there are a few big issues with this approach. First, collecting fees in advance for any credit repair work is illegal. Second, using a credit report that has had accurate but negative information removed from it is credit fraud and can lead to more serious consequences. Third, nothing Lang is selling for thousands and thousands of dollars can’t be done for nearly free by the consumer of they have inaccurate information on their credit report. Read Chris Has Bad Credit. I Show Him How to Easily Get Good Credit.

I did get a laugh out of the line in the email “PS: What if this email was NOT hypathetical?” Seriously, hypathetical? That’s not even a real word.

That word is apparently as real as Lang’s alleged company, ECR Solutions. According to State of Florida receords where the company is claimed to be, there is no company registered to do business under that name.

The only company that comes close is an E.C.R. Solutions, Inc. that has been inactive since 1997. Other sources have said this company is actually Extreme Credit Restoration Solutions but there is no company under that name licensed to operate in Florida either.

Lang Smith is the person responsible for Credit Mastery Challenge, LLC which is located at the same address as ECR Solutions. 4720 Salisbury Road, Jacksonville, FL 32256.

The Credit Mastery Challenge was formed on 3-22-2010 and according to the most recent company filing he is the responsible party. – Source

Recent Marketing Emails

Email 1

Here’s something to think about…

What if you only needed to have one of 3 major credit bureau files completely clean to get you up to $100,000?

Let’s hit some basics…

3 bureau’s–Equifax, Transunion, Experian


Instead of having to deal with all 3 files being 100% free of negative marks before getting approved for any money what If I said you only need one?

Let’s use Equifax for this example.

Now, hypathetically speaking of course, what if I could clean your equifax report in less than 30 days no matter how bad it may look to you and get you up to $150,000?

If this could be done what kind of impact would it have on your life right now?

Something to think about.

Talk Soon,


PS: What if this email was NOT hypathetical? What if it’s true? How would that change your life right now?

Email 2

Here’s the deal…

I’m rolling out an expedited program for credit here soon.

I only need 2 more beta testers to complete our process.

You’re an associate of mine so I’m offering this to you FIRST.

This is NOT going out to a mass list and isn’t a sales tactic or anything goofy like that.

This is serious stuff.

So serious that I’m giving you the details right now in this email because time is crucial.

So here it is:
–> Beta Tester Cost is $2000
–> Your entire credit file will be completely clean in 22 days
–> It will stay clean forever from the items already on there that will be removed
–> It doesn’t matter what’s on there now.
–> Here’s your chance to start over in less than 30 days regardless of your past history.
–> FULL REFUND in 22 days if we can’t do it.

It that simple.

This is VERY real!

The price you see above is the last time you will ever see that price.

We are going to be charging at least 5 times that price in the future when the sales page is finished.

If you want to pay retail price later ignore this email.

This is your chance to invest in your new beginning.

I only need 2 more people and I expect to have them in the next 24 hours.

Nothing else needs to be said.

This offer expires in 24 hours FOREVER!

This is NOT a scarcity tactic so I wouldn’t test it if you’re serious.

This is your chance to capitalize on a REAL opportunity for a fraction of the cost.

If you’re interested and are ready to sign the documents that will completely rid ALL your negative items off your reports in 22 days or a FULL REFUND then all you have to do is hit the REPLY button on the email and I’ll send you a payment link.

Talk Soon,


ECR Solutions
1401 Riverplace Blvd
Suite 706
Jacksonville, Florida 32207
United States

In this second email sales pitch Smith makes similar claims that he made before. See Credit Mastery Challenge Sends Out Crazy Email Promising to Wipe Credit File Clean.

See also  Deceptive Credit Repair Operation that Filed Fake Identity Theft Complaints is Stopped

So if in that last email he was only letting ten people buy his program for $2,997 each but in this email he’s saying he can only offer it to two people for $2,000. But that’s before he’ll release the program for $10,000, still illegal dollars.

Over and over again Smith promises a refund. It’s part of the sales hype for his program. But when he has promised a consumer a refund he has not delivered. See Reader Wants a Refund From Lang Smith Who He Paid Advance Fees to For Credit Repair. No Refund Received.

Even Smith’s own salesperson admits Lang promised a refund to this consumer but has failed to deliver it.

Do You Have a Question You'd Like Help With? Contact Debt Coach Damon Day. Click here to reach Damon.

Don’t Believe Me?

If you don’t want to believe the warnings I’m giving you then let’s listen to what the Federal Trade Commission says:

Everyday, companies target people who have poor credit histories with promises to clean up their credit reports so they can get a car loan, a home mortgage, insurance, or even a job – after paying a fee for the service. The truth is that no one can remove accurate negative information from your credit report. It’s illegal.

What You Need to Know

When negative information in your report is accurate, only the passage of time can assure that it will be removed. A consumer reporting company can report most accurate negative information for seven years and can report bankruptcy information for 10 years.

If you get an offer to repair or fix your credit, how can you know if it’s legit? Here are some signs that should set off alarms in your head – and make you put the offer in the trash:

  • The company wants you to pay for credit repair services before they provide any services.

    Fact: Under the Credit Repair Organizations Act, credit repair companies cannot require you to pay until they have completed the credit repair services they promised.

  • The company doesn’t tell you your rights and what you can do for yourself for free.

    Fact: The law allows you to ask for an investigation of information in your file that you dispute as inaccurate or incomplete. This investigation doesn’t cost any money.

  • The company recommends that you don’t contact any of the three major national consumer reporting companies (Equifax, Experian, and TransUnion) directly.

    Fact: Under the Fair Credit Reporting Act (FCRA), the consumer reporting company and the information provider (the person, company, or organization that provides information about you to the consumer reporting company) must correct inaccurate or incomplete information in your report. To take advantage of all your rights under the FCRA, contact the consumer reporting company and the information provider in writing.

  • The company tells you they can get rid of most or all the negative credit information in your credit report, even if the information is accurate and current.

    Fact: Any credit repair company that claims to be able to legally remove accurate and timely information from your credit report is lying. There’s no easy fix for bad credit. Improving your credit takes time and a conscious effort to pay your debts.

  • The company suggests that you apply for an Employer Identification Number to use instead of your Social Security number so you can invent a “new” credit identity – and then, a new credit report.

    Fact: If you follow illegal advice like this, you may find yourself in hot water. It’s a federal crime to lie on a loan or credit application, to misrepresent your Social Security number, or to get an Employer Identification Number from the Internal Revenue Service under false pretenses. You could be charged and prosecuted for mail or wire fraud if you use the mail, telephone, or Internet to apply for credit and provide false information. – Source

Last year the Federal Trade Commission went after a similar credit repair scam. Does this sound familiar?

The FTC charged the Chicago-based defendants with falsely promising to remove negative information from consumers’ credit reports, even if it was accurate and current, in violation of the FTC Act and the Credit Repair Organizations Act. They also allegedly violated federal law by requiring payment before any service was provided to consumers. According to the FTC’s complaint, the defendants’ advertising stated, “We would never charge a large fee up front, or make you wait a long period of time to refund your money if we do not get results. You WILL see results in 60 days, or your money will be refunded in full . . . .” They charged $495 per person and $665 for a couple and required $219 or $269, respectively, in advance.

The credit repair scammers in that case were ordered to pay $226,793 and prohibited from engaging in similar activity again.


The services promoted and promised by Lang Smith appear illegal. Previous promises of a refund made to a client have been ignored and not honored.

My opinion is that anyone considering this sales pitch should run away. In my book this one a scam worth avoiding.

And here is the point Lang and his cronies will begin to attack me in the comments as they typically do on articles involving Lang in an attempt to discredit me.

Damon Day - Pro Debt Coach

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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.
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