Your Credit, Privacy and Reputation Advocates

The First CPR Consumers Credit Repair Monkeys Video

If you haven’t had an opportunity to watch CPR Consumers, LLC’s first video then check it out: The 1st Credit Repair Monkeys Video


When life happens to you and your credit.


Please don’t call the amateur credit repair monkeys.


Don’t monkey with the monkeys who came here from the jungles of scams, shams and flim flams.


Don’t call the amateur credit repair monkeys when there is a better way. Call the real mortgage credit experts, CPR Consumers, at 800-208-5919 to see if you qualify for a free complementary credit analysis, review and consultation.


Helping consumers to become well qualified home owners.

As the song says: “All we need is a house we can breathe in. Hope builds a home and it starts you believing.”


Let us help you and your credit score become well qualified home owners.


Let our integrity, passion and expertise be your guide on this important journey.


Check out our video: Making Home Owner Dreams Come True


Changing how credit repair is done, we are CPR Consumers, LLC. Give us a call today at 800-208-5919.

A Consumer Survival Guide: Page One Search Engine Tips defines the term “Due Diligence” as follows: “Due diligence is an investigation of a business or person prior to signing a contract, or an act with a certain standard of care. In today’s culture and world that means that if a person wants to do due diligence on a person or a company that they absolutely must do an investigation of the person or company by checking online information, commerce, entertainment, and social networking.


More specifically, as the title of this post and the attached photography would imply, one must do, at a bare minimum, a complete search of all internet page one search engine results before they sign a contract.


Unfortunately, in our busy, hectic and time challenged lives it appears that consumers seldom take the time to conduct a complete search of all page one internet search engines results.


In other words, they are living a life in complete and total disregard of an ancient Latin axiom or principle in commerce that a buyer alone is responsible for assessing the quality of a purchase before buying. “Caveat Emptor” is the Latin phrase and it means “Let the buyer beware.”


The goal of this article is to illustrate how dangerous our living in the fast lane of a Caveat Emptor life lane can really be and what steps we can take to start doing due diligence before we sign our names on the dotted line of a contract.


On or about July 2, 2014 a “Stipulated Order For Permanent Injunction And Civil Penalty Judgment” was filed in a civil case in the United States District Court For The Eastern District of Texas (Sherman Division) by the United States of America, “acting upon notification and authorization to the Attorney General by the Federal Trade Commission (“FTC”) against a Texas based Credit Service Organization (a/k/a “credit repair” company).


The court imposed a monetary judgment of Two Million Three Hundred And Fifty Thousand Dollars ($2,350,000) against the individual owners of the credit repair company (believed by many to have been one of the largest credit repair companies in the country) and the actual company itself for violating federal consumer protection laws. All of the judgment except for Four Hundred Thousand Dollars ($400,000) was conditionally suspended from having to be paid by the defendants. The individual company owners and company were not barred from doing business nor shut down by the government or court.


Knowing these facts, one would guess that most consumers, after July 2, 2014 would not choose to entrust their most valuable assets (their personal private financial information and data) or to gamble their hard-earned dollars by doing this business with this credit repair company.
We suspect that most consumers that have chosen to do post judgment business (i.e. signed on after the judgment was handed down and made public) with this company have done so, most likely, because they did on do any “due diligence” on the business.


With that being said, we ran the following google search: “name of the company” and “credit repair” while doing our research for this article.


The top three results were not responsive or meaningful to our search inquiry but were simply ads from credit repair competitors of our true example put there for the sole and exclusive purpose of getting clicks and generating ad revenue for Google.


We are not being critical of this business decision of Google to generate revenue in this manner. In other words, we are just reporting the facts and the results that were generated by our search.


In fact, we should give credit to Google where credit is deserved because they did place an enclosed box with the word “Ad” inside to give the reader notice of what they were doing. However, two of the three clickable competitor ads contained 4 star ratings and if a consumer was just doing a quick glance or look-over which over-looked the fact that these were ads might be lead to believe that our target company was receiving 4 star consumer ratings and reviews.


Four of the first page Google search results were from the target company’s very own self-written web site and one result was from the target company’s very own self-written LinkedIn profile.


In other words, five of the first page Google search results (which is half of all the listings displayed on page one of our Google search for the target company) were self-written company information and potential fluff material which one would not expect to be transparent, complete or critical. Thus, not useful to our “due diligence” search for the truth of whether it is ok to do business with this company.

The other half of Google’s page one search results on the target company included the following: (1) mixed reviews of the company and their services from; (2) A BBB Business Profile on the company which if clicked revealed a C- BBB rating (I sense a future post regarding this rating), 9 closed complaints, no reviews and a notice of the FTC Government Action; (3) a Yelp 3.5 star rating and consumer reviews of the company; (4) a listing with a headline that listed the company name and “Owner Responds to Credit Repair Complaints”; and (5) a listing from with a copy of the FTC Press Release detailing the Stipulated Order for Permanent Injunction and Civil Penalty Judgment.


The final two listings on our Google page one search result contained two more competitor ads, which were clearly marked Ad and placed there to generate clicks and Google revenue.


So what do you think? If you had done your due diligence on this credit repair company would you feel comfortable in sharing your most important personal information with them? Would you have elected to sign up with them to do credit repair or would you have moved on to find some other company?


The purpose of this article is not to blast this company but to illustrate how important it is for all of us to do our due diligence on someone or some company before we choose to entrust them with our data, our money, our assets or our personal information.

If someone after reviewing the facts and information were to come to the conclusion that this company messed up once but appears to have cleaned up their act since the FTC action and there is little danger in moving forward with them then that is ok for them. Right or wrong, it would be a decision that was arrived at after having done a partial research project and due diligence.


When we ran an identical search on Yahoo here is what we found:


At the top of yahoo search results page in small normal type it stated “Ads related to ____ (name of company which we are not disclosing) and credit repair”.


Then five competitor clickable ads without a Google Ad Box type of disclosure were listed. The top choice had a header that read: “10 Best Credit Repair – 2017’s Top Credit Repair Services”. The second competitor listing contained a 4.5 star rating underneath a header that read “Top 10 Credit Repair – See Reviews & Repair Credit Fast.” The third competitor listing had a 4.5 star rating underneath a header that read “Fix Your Credit Fast – BBB #1 Rated In The Nation”. The fourth competitor listing also had a 4.5 star rating underneath a header that read “Debt Free in 24-48 Months | Competitors Website Name. The fifth competitor listing had no star rating system and a header that read “Credit Repair Fast & Effective – Raise Your Score in 60 Days”.


Is it safe to guess that some consumers, those choosing not to do a complete review or due diligence, would jump to the following conclusions about our target company: (1) that the target company consistently received 4.5 star ratings; (2) that the target company was listed as a top 10 or 10 Best Credit Repair more than once; (3) that the target company as BBB #1 rated in the Nation (to be the subject of a future article); (4) that the target company was fast and effective; (5) that the target company could raise my score in 60 days and (5) that the same company could have me debt free in 24-48 months?


In other words, is it possible that the Yahoo ad structure is such that it could lead some consumers, those who merely did a quick look-over, to arrive at incorrect conclusions about our target company search?


Yahoo page one search results only displayed eight listings on our target company and they were sandwiched between the top five competitor listings and three competitor listings at the bottom of the page. All of the bottom ad listings were upon closer examination and review by this author repeat listings from the top.


Thus, one of the bottom competitor listings contained a 4.5 star rating and a header that read “Fix Your Credit Fast – BBB #1 Rated in the Nation”. One of the other bottom competitor listing ads had a 4.5 star rating and a header that read “Top 10 Credit Repair – See Reviews & Repair Credit Fast”. The last bottom ad had no star rating and a header that stated “10 Best Credit Repair – 2017’s Top Credit Repair Services.


Would these… could these… did these bottom competitor Yahoo ad listings mislead some consumers into wrong conclusions about the target company?


Two of the actual search result listings on page one of our Yahoo search were from the target credit repair company’s own self-written web site and one was from the company’s self written LinkedIn company profile.


The remaining five target company results on page one of our Yahoo search included the following: (1) a Better Business Bureau listing similar to the one we described in our Google search; (2) a Yelp listing which did not reflect the target credit repair business rating of 3.5 until you clicked on the Yelp listing and viewed the Yelp page; (3) the listing from the FTC Enforcement division which lists cases and proceedings; (4) a 3 star rating derived from three reviews and (5) the listing that named the target company and the rest of the header read “Owner Responds to Credit Repair Complaints”.


So what are your thoughts and impressions about the Yahoo page one search engine results? Are they the same thoughts and impressions that you had about the Google page one search engine results?


Do you think that we as consumers can safely rely just upon the information we get from page one search engine results when we are doing our due diligence?


Or does our world, our time and our culture require a more comprehensive examination and due diligence before we decide to do business with someone or some company?



What’s in your hat collection?

What hats do you wear and which ones do you want to try on?
Checking out some of startup CPR Consumers, LLC. hat collection.

As a startup consumer advocacy group that is trying hard to reinvent multiple markets and services, while still in the early stages of our corporate development and growth stage, we can attest to the fact that we do end up having to wear a lot of different hats.

So with that being said, we thought we would try to combine a little bit of consumer education, information, motivation, humor and company values into one post to demonstrate some of the many different hats we end up wearing on a regular basis.

Periodically, we love to put on the chef hat and cook up some funny clips to enlighten everyone while simultaneously conveying a message. Like this 16 second video clip: Big Dogs Advisory

Did you notice the graduation cap? Sometimes we wear that cap to remind ourselves of how important it is that we properly educate and teach our program students what they need to know to be able to take control of their credit, privacy, reputation and finances. Believe it or not, we are not so self-centered and egotistical to think that we and only we are the only ones that can teach program students the information and lessons they need to learn. For example, when it comes to first class video lessons on exposing what American credit bureau reporting is really like we can’t recommend anything better to watch than this short CBS 60 minute credit bureau expose: 40 Million Mistakes  A funny and blistering clip by John Oliver on the subject of credit reports is must viewing for some, but others may find some portions of it to be offensive: John Oliver’s Credit Reports Trashing

Sometimes we have to wear a painters cap as we create video commercials to inspire them to quit spending money and having nothing to show for it or to move out of their undersized overpriced cheaply built apartments. Click on the following links to see what our video creations looked like when we were finished painting: Toliet Money Flush and A Bigger Place You Can Call Home

As active American supporters of our military we feel compelled to honor them and their families as they have honored all of us with their service and sacrifices. So to wear that tall American hat we offer a military discount on the work we do and try to periodically honor them in some of our media creations. For instance check out this video and the graphics below: Serving Military Families

Thank You For Your Service!

Coffee & Debt Collectors

We spend a good portion of our daily work routine drinking coffee and correcting debt collectors who’s parents, mentors and compliance officers were unsuccessful in teaching them any values and manners. If life has ever happened to you, which is to say if you are like most Americans, then you have, most likely, had the unpleasant experience of having to have dealt with a rude, over-bearing and obnoxious debt collector at some point in time.

Earlier this year, a debt collector, consented to do something, which is very rare in the debt collection industry, when they agreed to do an honest insider interview, with the stipulation that their identity could not be publicly revealed. Thought I would share some quotes, from the interview, along with some other debt collector information and links on the subject while having a cup, or two, or three.

“We are going to do whatever it takes to continue to try and be successful. We need to eat. It’s a numbers game.”

“It’s not like we violate everyone we deal with.”

“Selling it off for half of what you paid for it is a loss. We are not in business to take a loss.”

“We’re looking to make money. We’ll do whatever it takes to make that money.”

“We are not people who give up easily.”

Truer words were never spoken about the debt collection industry than those contained in that last quote. No debt collectors are not people who give up easily. Just watch this ABC news story to see just how far some debt collectors will go in trying to collect a debt: Debt Collectors Gone Wild

Another video clip shows the ABC news story was, unfortunately, not an isolated incident: More Debt Collectors Gone Wild

Unfortunately, there is a lot of misinformation (wrong information given because they believe it to be true) and disinformation (wrong information given to intentionally mislead others) about different things consumers can do themselves to eliminate their debt collector problem. One good example of that is the advice that a consumer can simply send the debt collector a “cease and desist” letter and the debt collector will go away. Here is another quote, from the debt collector interview, which may shed a little debt collection industry insider light on that subject:

“Well, if a debtor writes me a letter to cease and desist. I’m pretty much going to throw it away. Its my business to collect their debt and, damn, if everyone sent me one of these letters I’d be out of business. So I don’t pay much attention when a debtor sends it to me.”

Lots of people ask us how we are able to get great collection removal results when the average consumer can’t and I think this last debt collector quote answers that question pretty well:

“If there was not money involved they would have to have a justified – and I mean a justified – legal position or something like an accurate portrayal of what we were violating and some kind proof to back it up.” 


A Snapshot of Texas Credit Scores

“Whether we like it or not, we live in an age where much of what goes on in our daily lives is monitored, collected and sold to interested parties – our driving records, our medical history, our Internet traffic and, most importantly, our credit information.” So began the opening script for “40 Million Mistakes” which aired on Feb 10, 2013 by CBS Sixty Minutes. Steve Kroft was the correspondent. James Jacoby and Michael Kurzis were the producers. It is must see TV and if you haven’t seen it you owe it to yourself, your family, friends and your social media accounts to see it. Which you can do here: 40 Million Mistakes: Is Your Credit Report Accurate?

The show also reported that: “Consumer credit reporting is a four billion dollar a year industry dominated by three large companies: Experian, TransUnion and Equifax. They keep files on 200 million Americans and traffic in our financial reputations. They make their money by gathering information from people we do business with and selling it to banks, merchants, insurance companies, and employers and they use it to make judgments on our creditworthiness and reliability.”

Not only do they collect and sell our consumer information but all have implemented non-transparent credit and consumer scores that can carry as much, if not more, weight with others than does the actual data contained in their treasure trove databases.

A credit score supposedly reflects a consumer’s borrowing history and debt history, although some consumer advocates, such as CPR CONSUMERS, would respectfully disagree with that conclusion. What no one can disagree with is the fact that those credit scores (whether they are FICO, VANTAGE or FAKO based) are being used to make judgments on our creditworthiness and reliability.

With that being said, we thought we would take a snapshot look how Texas consumers are doing with credit scores, according to Nerd Wallet’s June 2016 VantageScore 3.0 data study of information provided by credit reporting agency Equifax.

VantageScore 3.0 has a scoring scale range of 300-850, just like most traditional FICO scores.

Here’s how five Texas metropolitan areas fared in the study: Finishing 72nd in the top 100 metro median credit scores was the Dallas-Fort Worth-Arlington metro area with a median credit score of 708. Ending up in the 79th spot was the Houston-The Woodlands-Sugarland metro area with a median credit score of 702. Dropping down to the 96th spot was the San Antonio-New Braunfels metro area with a median credit score of 687. Rlanked 99th in the study was the El Paso, Texas metro area with a median credit score of 672. Last, but not least, the McAllen-Edinburg-Mission metro area finished in the 100th spot with a median credit score of 658.


Bad Tasting Privacy Practices

Living life as American consumer advocates means that we have to deal with a lot of bad tasting privacy practices.

For example, one of the big three credit data merchants has sent out a survey request as part of their consumer dispute response document to consumers that challenged the accuracy and validity of their credit information with that credit reporting agency.

Here is how the request was worded:

“You are invited to participate in a brief survey designed to measure your satisfaction with… None of your personal information or your credit information will be collected through this online survey. We value your feedback!”

Below this request language was a link to a third party internet site. Which got us thinking (“inquiring minds want to know” mentality we know): Why would a $1.3 billion dollar global data merchant, which according to the SEC has 81 corporate subsidiaries and provides information management services to approximately 45,000 businesses in 33 countries, outsource this survey work to a third party rather than have one of their corporations do the work?

So off we went to the third party web site to review everything we could find there, including their privacy policy which revealed that they collect personally identifiable information such as name, address, email address and “additional demographic information.”

The site also revealed that it uses cookies to recognize users and monitor traffic. Furthermore, IP addresses and log in times that are identified by individual users through the use of their cookies or weblogs are also being collected. Of course, they also collect the surveys and survey results that consumers have either deployed or participated in.

Further website disclosures revealed that the third party company is a “Big Daa” aggregator of consumer information. In other words, they are an IT hired gun that accumulates data, from a wide variety of source points including social media and call centers in addition to all the data listed above. This third party then provides a variety of state of the art technological tools to slice, dice, drill down and apply various metrics that can impact consumer lives without us knowing or having access to the controlling analytics and “proprietary insights.”

Under a heading that reads “Big Data Module” the company discloses the following: ‘This platform module allows users to perform big data predictive analysis and other behavioral pattern analysis using their stored data obtained through other modules. In many cases, this capability is also used by market research analysts, operations analysts, and other functional groups within our customers organizations, other behavioral pattern analysis using their sorted data obtained through other functional groups within our customers organizations.

In other words, the third party then permits the mother credit reporting agency and her 81 global data merchant corporate babies to feast on this consumer data while mixing it with all types of other tasty consumer morsels of data contained in their own corporate treasure trove databases that they are collecting on us from who knows where or who knows how. Don’t know about you but this doesn’t really leave a good taste in our mouths. How about you?


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