Crusader Consumer Services

Find out more about this business:

BBB Accreditation BBB Rating Business Contact and Profile Business Management Licensing Customer Complaint History

Government Actions Advertising Review Industry Tips BBB Copyright and Reporting Policy

BBB Accreditation

This company has been a BBB Accredited Business since July 2005. This means it supports the BBB's services to the public and meets our BBB Accreditation standards.

BBB Rating

Based on BBB files, this business has a BBB Rating of A on a scale from A+ to F.

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Business Management

Additional company management personnel include:

Mr. Justin Belmont

Licensing

Many local municipalities, townships, and counties have registration, bonding and/or licensing requirements. The BBB encourages you to check with the appropriate agency to be certain any requirements are currently being met.

Permit and license requirements for regulated industries in the state of Colorado can be viewed at the following website: http://www.colorado.gov/oed/industry-license/

Customer Complaint History

When considering complaint information, please take into account the company's size and volume of transactions, and understand that the nature of complaints and a firm's responses to them are often more important than the number of complaints.

BBB processed a total of 1 complaint about this company in the last 36 months, our standard reporting period. Of the total of 1 complaint closed in 36 months, 1 was closed in the last year.

Government Actions

BBB has no information regarding government actions at this time.

Advertising Review

BBB has no information regarding advertising review at this time.

Industry Tips

Credit Repair Fraud

All consumers now can obtain a free credit report once a year through the Federal Trade Commission at www.annualcreditreport.com. This can also be ordered toll-free at 1-877-322-8228.

Every day, there are companies nationwide that appeal to consumers with poor credit histories. For a fee, they promise to clean up your credit report so you can obtain a car loan, a home mortgage or even get a job. Unfortunately, many of these companies can't deliver. After paying these companies hundreds or thousands of dollars in upfront fees, these companies do nothing to improve your credit report and many simply vanish with your money.

The truth is, no one can legally remove accurate and timely negative information from a credit report. The law does, however, allow you to request a reinvestigation of information in your file that you dispute as inaccurate or incomplete. There is no charge for this. Everything a credit repair clinic can do for you legally, you can do for yourself at little or no cost. According to the Fair Credit Reporting Act, you are entitled to a free copy of your credit report anytime you've been denied credit within the last 30 days. You can also dispute mistakes or outdated items for free. Ask the credit reporting agency for a dispute form or submit your dispute in writing, along with any supporting documentation.

If you decide to respond to a credit repair offer, your BBB suggests you beware of companies that:

-do not tell you your legal rights and what you can do -- legally -- for free

-recommend that you not contact a credit bureau directly

-want you to pay for credit repair services before any services are provided

-advise you to dispute all information in your credit report or take any action that seems illegal, such as creating a new credit identity by obtaining a federal employer identification number to use instead of a social security number. If you follow illegal advice and commit fraud, you may be subject to prosecution.

It's a federal crime to make false statements on a loan or credit application, to misrepresent your Social Security Number and to obtain an Employer Identification Number from the Internal Revenue Service under false pretenses.

If you have a complaint about a credit repair clinic, contact your BBB, your state attorney general's office and the Federal Trade Commission.

BBB Copyright and Reporting Policy

As a matter of policy, BBB does not endorse any product, service or business.

BBB Reliability Reports are provided solely to assist you in exercising your own best judgment. Information in this BBB Reliability Report is believed reliable, but not guaranteed as to accuracy.

BBB Reliability Reports generally cover a three-year reporting period. BBB Reliability Reports are subject to change at any time.

If you choose to do business with Crusader Consumer Services, please let them know that you contacted BBB for a BBB Reliability Report.

ID: 46000978
Report as of November 22, 2009 00:51
Copyright^© 2009 Better Business Bureau