Reply from SP Funding & Credit RepairJul 25, 2025
Hi Benjamin,
We were surprised to receive your 1-star review, considering the substantial work and results we’ve delivered on your behalf over the last four months. Let us clarify the facts for anyone reading this review and considering our services:
1. Verified Deletions Across All Three Bureaus
You’ve received an 81% total deletion rate, which exceeds our minimum performance guarantee of 30% stated in your signed agreement. Your credit score has improved significantly, rising from the 540s to the 600–630 range — and would be higher if not for your 70–100% credit card utilization, which we've advised you to reduce.
2. Over $60,000+ in Negative Debt Deleted
We’ve successfully disputed and removed negative items — including collections, charge-offs, inquiries, and public records — from Experian, Equifax, and TransUnion, involving the following creditors and agencies. This is also including many accounts you didn't recognize or authorize you advised us to file for identity theft:
Midland Credit Management – major third-party collections agency
CarMax Auto Finance – auto loan charge-off
Portfolio Recovery Associates – multiple account deletions
Merrick Bank Corporation – charge-off removal
Discover Bank – major revolving credit account
Wells Fargo Card Services – negative credit card tradeline
First Premier Bank – high-interest credit account
Acima Digital (formerly known as Katapult) – consumer leasing collections
Khan Appliances Inc. – multiple commercial collections removed
NetCredit – high-interest personal loan account
Central Portfolio Control (CPC) – third-party debt collections
American Express – charge-off and late payments removed
Capital One Auto Finance – auto loan account
Exeter Finance LLC – high-balance auto loan account
Santander Consumer USA – delinquent auto financing
WCG – additional third-party account deletion
Additional Portfolio Recovery listings – second-round disputes cleared
Multiple inquiries and public records – including judgment and collection entries
These deletions amount to more than $60,000 in resolved derogatory debt — items you previously defaulted on or failed to pay, or accounts you didn't recognize — and we've fulfilled our role in removing them from your credit file.
3. Going Above and Beyond
We gave you a 50% discounted rate to assist your financial recovery AND We offered to continue working out-of-pocket on future rounds at no added cost to help you reach even better results.
Despite this, you’ve left a review that misrepresents our performance and character.
To Potential Clients Reading This:
We invite you to schedule a free credit consultation. We’ll gladly share before-and-after reports, proof of deletions, and official bureau responses so you can see firsthand what we’ve achieved.
SP Credit Repairs is committed to transparency, proven results, and supporting our clients with integrity. We stand by our work and will continue to serve with excellence — even when faced with unfair criticism.
- Steve Park, CEO of SP Credit Repairs/SP Funding -
