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The Consumer Advocacy Association has completed an in-depth review of The Credit Mortician, a credit repair company formerly operated out of Bowling Green, Kentucky by Amanda Smith, also known by her previous name Amanda Journey. This review is based on comprehensive research, including interviews with former clients, analyses of business practices, and a review of the owner's history in the credit repair industry.
Review Summary:
The Credit Mortician receives a trust score of 38 out of 100, reflecting severe deficiencies across multiple aspects of its operations. This score indicates a substantial risk to consumers, underscored by a pattern of problematic behavior from its management and poor service delivery.
Owner Background and Company History:
Amanda Smith, initially known in the business as Amanda Journey, previously operated a credit repair company named "Journey to Credit Acceptance." The stress associated with managing the business reportedly led to significant mental health challenges, culminating in the closure of her first company. Resurfacing as The Credit Mortician, Amanda briefly started her own business again before working in sales for another credit repair firm. However, issues similar to those in her past ventures soon emerged, including unethical practices during client interactions.
Ethical Practices and Client Interactions:
The Credit Mortician's operational history is marred by serious ethical breaches, particularly concerning the owner's conduct. Amanda Smith was found to have solicited additional funds from clients under the guise of providing extra services during her tenure with the James Warren Group, actions for which she pocketed the money without delivering the promised services. This pattern of behavior significantly undermines trust and points to a recurrent issue with ethical management.
Client Feedback and Service Effectiveness:
Client reviews and satisfaction metrics are notably low, with scores reflecting widespread dissatisfaction with both the results achieved and the service quality. Complaints frequently cite unfulfilled promises, poor communication, and a general lack of professionalism. The low scores in program pricing and value further highlight the disparity between the cost of services and the benefits received.
Conclusion:
Given the history of ethical issues, poor client outcomes, and the ultimate closure of The Credit Mortician, the Consumer Advocacy Association strongly advises consumers to exercise caution and seek services from more reliable and ethically sound credit repair agencies. This company's track record shows significant risks that are likely to outweigh any potential benefits.
Texas Capital Building Complex
Austin, Texas, 78711