740Plus Credit Score Repair

I decided to use Dave to fix a couple issues on my credit report due to his great feedback. He was very informative and helpful. He quoted me a price I thought was good and we decided to move forward. Within a couple weeks or less he fixed the issues as promised and still answered many more questions. It was a pleasure doing business with someone so ethical and above board. Thanks Dave!

Update 2÷11÷2016
I have been called 7 – 9 times for the sake of a review and over the last year have done everything that has been asked. Calling someone during work hours won’t always get an immediate response. My last interaction was last week 2÷3÷16 and I never took 5 months to fill out a document. I was asked to send a POA because David did not have the relationship with the creditor that he previously promised. I have complied and worked vigorously to accommodate his individual asks over 13 months. Also, if I could post my report here, there ARE not new creditors on my report. After David was paid, I was told that he did not have certain relationships with the particular creditors on my report and had to devise «more tactics» to have things removed. In that time frame, the debt was sold David was paid to work on.
I am exhausted with the run around. Bottom line is promises were made for results that were not met even after doing my part.
If you are unable to do the job, no problem. This is just ONE honest review.
I wish that team was as passionate and as timely with my removals as they are with their Unilocal reviews.
Unfortunately, I saw a bunch of 5 star reviews and I needed to remove a few items from my report before making a big purchase earlier this year. Paid David over $ 1K to remove 4 items and receive «expert» advice. Only 1 was removed with his «special tactics.»
I don’t have a long nasty credit history with bankruptcies, repos or credit card debt. I wasn’t expecting Christmas miracles, but I was told over and over how even 1 negative account can drop scores 80 – 100 FICO points. That being said, I was eager for results and did pretty much everything he asked over 6 months. My score never budged… and now… I’m out $ 1,000 bucks.
Maybe these tactics have worked for others in different situations, or maybe he put more time and attention into his other clients, who knows. Unfortunately his services did nothing for me.
I am EXTREMELY disappointed in the results.
If you’re just an average joe just looking to clean up a few marks or boost your scores a little before making long term purchases, 740+ isn’t the way.
Save your cash and just pay off the debt/​handle it yourself. You’ll see better results.

i would give Dave 10 stars if i could, i was lucky to find Dave on Unilocal after a lot of research i put in the last year in an effort to get rid of my collections account.
Dave is a credit guru, he is very honest and always on top of his work. very quick on follow up and email replies and most important thing is he gets your credit report fixed. i got 2 collections account removed professionally and ethically. Dave had to deal with tough nuts for one of the collection accounts and he did that gracefully. i am very pleased with his services and results i got in just 3 months (so fast huh), i recommend everyone to get in touch with Dave if you are in dire need of fixing your credit.

Dave helped me close out a debt for over $ 50,000 in order for me to get a home loan which was put on hold by my lender. Within a week or two he got it settled for $ 1,000 for a savings of $ 49,000. He was so smart about how he handled it that the debtor made me sign a letter saying I wouldn’t sue them. Conclusion — if you have a debt that you don’t understand how to deal with or need help on, my advice is to call Dave Schram first before you retain a lawyer.

Absolutely excellent service! Exceedingly professional and Mr. Schram has in his arsenal a magic wand and is not afraid to use it! Very pleased with the results. He even helped me with topics not directly related to what he was hired for.
I wish there was such a thing as 6 stars on Unilocal for truly unique and extraordinary services such as this one.

Best of the best!
I have been using Dave’s help in assisting my client’s achieve better scores and erase derogatory credit history for over 2 years now with consistent results.
I have seen fly by night credit repair agencies in the past, and have seen clients pay for services without getting results needed for obtaining the loan they are looking for.
Dave is an honest, thorough, a true results oriented professional that will do all he can to move you up the FICO ladder. I have seen him dig deep into the inner workings of a file and find a way in which will give you the results needed. If you are looking for a happy ending, you need to begin with hiring Dave to work on your case. Thanks Dave!!!

Dave is the real deal! Unfortunately, we had some rather subpar… ok ok… jacked up credit and were trying to buy a house. He got all of the errors on our credit permanently deleted and ultimately made us look like rockstars. I rarely leave Unilocal reviews but I had to for this guy. The Credit Connoisseur is what he should change his name to. I wish I had the opportunity to add stars to his rating. I know trustworthy individuals are hard to come by these days but Dave exudes a high level of integrity. If you don’t want to waste your money, go to the right person the first time and choose Dave. I’m tryna tell ya!

Dave Schram helped me get my credit scores up so I could get a decent home loan. Now I can leave my recession woes behind and move on. Thanks Dave.

Dave is very honest and professional. I only talked to him on the phone but he answered all my questions when he didn’t have too. When it is time to get that credit score fixed, he’ll be our guy! We need more businessman like Dave in our society that make us feel we’re making the right choices and going in the right direction.

I’m gonna keep this short and sweet! I was a 533 fico when I hired David! 9 month so later I had a 732. Done deal

Dave was very helpful and patient. He got 5 out of 5 deletion letters for me and has bumped my score up greatly. Dave also gives great FICO advice and is very thorough. I will definitely recommend him to anyone I know who is trying to fix their credit. The amount I’m going to save on a new car loan is well worth what I paid Dave.

David did all he promised he would do and got two very important creditors deleted from my report, bringing my FICO score up as promised. Definitely the most trust worthy, professional and rule abiding Credit Score Repair Specialist out there! Thank you!

Dave is very professional and most importantly honest about what can be done. My wife and I are looking to apply for a home loan within the next 1 – 2 years and I wanted to make sure our credit was as good as possible prior to applying. I contacted Dave and he immediately reviewed our report with me and was very honest and realistic about what can be done (which I already had an idea about) so I knew i wasn’t getting scammed. While we are still in the middle of the process, results have already come in and Dave has been very responsive, polite, professional and most importantly effective at cleaning some discrepancies in my report.
I will make sure to add to this review once we finalize the proposed items.
I would recommend Dave to anyone that is looking for an honest and realistic analysis of their credit and what steps can be taken to improve it.

I highly recommend David Schram. Hiring David to fix my credit was an excellent decision. He is a seasoned professional. Combine it with his honesty and integrity, he is the best person to go to for credit rebuilding/​repair. His strategies are smart and legal.
David reviewed my case before accepting it. He didn’t make any promises, but delivered the job extremely well. My case was a little complicated, but his efforts were successful and achieved exceptional outcomes. My credit score jumped from poor to excellent within months.
This man deserves 10 stars.

WORST PLACE YOU CAN GO. I told the truth and he thought im a thief or some kind of a fraud guy. I told the truth about the late payments and he assumed I want him to help me illegally. Im in a bad situation and i need help. He said he cant continue with my case. Wasted 30 dollars on a credit report and at the end they screwed me over. Dont recommend anyone going there. Very rude and disapointing.

We started working with Dave upon recommendation from a broker. We had scores in the low 600’s and we had quite a few accounts that had gone into collections. Dave took care of them one by one with deletion letters. Dave works fast and if we would have had the budget we would have improved our scores in a few weeks. But that didn’t stop Dave from meticulously working on all our accounts. What we found most great about Dave is that he worked with us and our budget. He would always ask how much we had to work with and then he’d methodologically go account by account and work on getting them deleted. One of his best traits is his persistance. If we would hit a wall with a creditor, he would try other ways. He is honest and genuinely cares that you qualify for the best interest rate. There was one collection that was particularly challenging and not only did Dave get them to agree to delete, the collection agency settled with us and I got a good amount of money back from them. We closed on a home that we never dreamed we would qualify for because of Dave’s work. Dave, thank you so much! You made our dream come true!

I was purchasing a property for myself when 2 odd credit items came up on my report which would’ve prevented me from purchasing the property. I asked around for a credit repair specialist and David was highly recommended. I called him and it proved to be all the difference!
Credit was dramatically improved in a short period, David was incredibly responsive and I now own another property with huge thanks to him. I’ll be referring future clients to him and he could not be recommended highly enough.

Dave is awesome!
There are so many companies out there claiming to fix your credit, but Dave is the real thing. He is honest from the start, that he promises nothing, but he does promise to try his best… and his best is amazing. He gets actual deletions, unlike other companies, and he is 100% ethical and honest in his approach. The communication is great, and he is really on top of things. The more you work with him, and get him the things he needs promptly, the faster things will happen. I went from having terrible credit, to preparing to buy my first home in less than a year.
To top it all off, he’s just a really cool guy :)
Thanks Dave, we will keep referring you to everyone we know who has any kind of credit problem!

Dave is the real deal. He is persistent, diligent, ethical and down right awesome. Dave took my score from being pretty wrecked to pristine in about a years time.
I owe the fact that I own a home to Dave. I also recommend him to all of my clients who are on the path to homeownership and have had a few blemishes in the past.
He’s phenomenal at his job. If I could give six stars I would.

I had a collection agency calling me daily for years trying to collect on a 2^nd mortgage debt for a property that I had a foreclosure on. I didn’t have the money to pay them but I wanted to get the debt cleared off of my credit so that I would qualify for a refinance on another property that I still owned. David Schram was successful in getting a complete charge-​off of the nearly $ 40,000 debt and deletion from my credit report. I am now about to close on the refinance that I wanted to do and am paying a significantly lower interest rate that will save me $ 200 per month!
Needless to say, I would highly recommend David to anyone needing credit repair/​advice. Thank you, David!