We would rather tell you not to hire us
Plain Terms is a credit repair consultation in Austin, Texas. Most people who call have already paid somebody once. The whole business is built around the two sentences that company would not say: here is the method, and here is when it is not worth it.
1400 Quillory Row, Suite 220, Austin, TX 78702. Quillory Row is an invented street: it does not exist in Austin or anywhere else, and this company is a demonstration.
Why this exists
Almost everybody who calls has already paid somebody. The pattern is always the same: money taken up front, a promise about points, a monthly charge, and a year later nothing has moved and nobody can say what was actually sent or when.
Two of those three things are illegal, and have been since 1996. Most people do not know that, which is why the law is quoted at length on this site rather than summarised into nothing. If you read one page here, read the one about your rights, and then go and hold whoever you hire to them, whether that is us or not.
The second uncomfortable thing is that most of what a credit repair company does, you can do yourself for the price of postage. Any honest version of this business has to say that out loud, so the whole method is published here, free, in order, with nothing kept back for paying clients.
Principles
- 01
Say the price of the free thing first
The review is free, and it stays free even when the answer is that you should not hire us. A free consultation that is really a sales call is the oldest trick in this industry.
- 02
Publish the method
Everything we would do on your file is written out on this site, in order, for nothing. If reading it means you do it yourself, that is a good outcome and we would rather have it than your money.
- 03
Never promise a number
Not a score, not a date, not a result. Nobody controls the models and nobody controls the clock. Promising is illegal and it is also the tell.
- 04
Bill after, per item, or not at all
You pay when an item has an outcome in writing. If it comes back verified you are not billed, which is what stops us sending letters for the sake of sending letters.
- 05
Tell people to stop
When an item is about to age off, or the whole thing is not worth doing, that is the most valuable sentence we say all week and it costs nothing to hear.
How the business ended up shaped like this
- The problemAlmost everybody who calls has already been sold something. Money up front, a promise about points, and a monthly charge that outlived the work.
- The lawAll three of those are either illegal or unprovable. CROA has said so since 1996 and almost nobody reads it, which is why it is quoted at length on this site.
- The awkward bitMost of what a credit repair company does, you can do yourself for the price of postage. Any honest version of this business has to start by saying that.
- What is leftWriting specifically enough not to be dismissed, sending so the date is provable, counting the days, and chasing on the day it is late. That is a real service and a small one.
- SoFree review, published method, per item after the outcome, and a straight recommendation to stop when stopping is right. There is no fifth thing.
What we will not sell you
- A number of points. Nobody controls the models and promising is unlawful.
- The removal of accurate information, because there is no such thing.
- A monthly subscription, which is an advance fee wearing a different hat.
- A new credit identity or a CPN. That is fraud, and you would be the one holding it.
- A second round of letters when the first round says there is nothing left worth disputing.