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Score Optimization Systems


Country United States
State Texas
City McKinney
Address 4100 W. El Dorado Parkway Suite 100-413
Phone (866) 987-6700
Website http://scoreoptimizationsystems.com/

Score Optimization Systems Reviews

  • Mar 20, 2017

It has been a nightmare doing business with these scam artist ! I was referred to Gene Schwalen through Nationwide mortgage Illinois. I spoke with Gene Schwalen over the phone on 1/13/2017 at that time he explained his service and quoted a initial price of 1500.00 for credit repair. Gene Schwalen said for that price he will guarantee all negative items will be removed from my credit file within 45-60 days. I told Gene Schwalen that was too expensive and that could not afford that price. Gene Schwalen then stated that he was having a special that day for 899.00. I was skeptical but agreed to the price. To make a long story short..I signed the contract we went from there. Then on 1/23/2017 Gene Schwalen emailed me and introduced me to Sharyn Hoya who he stated would be my point of contact. Sharyn then stated that they have finished processing the dispute affidavits and will be sending them out as of 1/25/2017. I canceled my service on 1/27/2017 because I was so skeptical about this whole process. I initially paid 138.00 through paypal. Gene Schwalen then emailed me with threats of jail and filing a warrant for my arrest for theft of service. I admit i got scared and reinstated my contract on 1/28/2017 because Gene Schwalen stated that he has done a ton of work for me and I need to pay him 800.00 ! I asked Gene what amount of work could you have done in 5 days ! I only had three items on my credit file that Gene had to work on. They were public record and actual debt so i dont know how he could have guaranteed removal of those items.

Fast forward...i never to this day received anything from neither one of the three credit bureaus. I even called to find out if there were any disputes on file and all three credit bureaus state that they have not received any disputes this year for me. I tried to cancel my contract again with Gene and again i received threats through email for theft of service jail time felony fraud and so on..he has my bank account information so i am scared that he will go into my accounts without authorization. Bottom line is that Gene Schwalen is a scam and he does not do any work for you. He get you under contract so he can have leverage to harrass and threaten you so he can take your money. He never do any credit repair. So to anyone who is thinking about doing business with i3 solutions s&s private capital inc please dont. Run fast..stay away. Fix your credit. Never pay someone to do it for you. I learned that the hard way...Gene never give you proof and i have asked him several times to provide me proof that he has done work on my behalf and he will not furnish this information. I have filed complaints with my states attorney the FTC and CFPB. I hope my report helped someone because i am living a nightmare right now dealing with these people.

  • Nov 5, 2016

Hired Gene Schwalen and his company to repair credit. He gauranteed a 30-45 day credit repair fix, with the occasional repair that takes up to 60 days. Its been over 180 days and there are still nothing but excuses! These guys are a joke and will not give you a refund. I'm having to file a small claims suit against these guys because they need to be stopped and to stop scamming people. They have been ordered with a Cease and Desist from NC to shut down by the FTC. These guys have no proof that anything works, I have asked for proof and showed them that there has been no change. Absolutely no change other than disputes refiled! What a joke, save your money!

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