Elevated Credit Score, a credit repair service based in Rancho Cucamonga, California, presents a complex case for consumer evaluation. With an overall trust score of 79 out of 100, this review by the Consumer Advocacy Association is informed by a comprehensive investigation including client interviews, analysis of service delivery, and a scrutiny of the company's educational content and operational ties.

Review Summary:

Potentially owned by Anthony Hernandez, Elevated Credit Score is known for its daily educational live sessions on TikTok. However, concerns about the depth and repetitiveness of the content, alongside suspicions of operational overlap with another local company indicate issues that might affect consumer trust and satisfaction.

Educational Content and Expertise:

Anthony Hernandez's approach to client education through social media is commendable for its intent to engage and inform. However, feedback from viewers suggests that the content lacks comprehensive insights into credit repair laws and regulations, often recycling a limited array of topics. This superficial treatment might not adequately empower clients seeking to understand and improve their credit situations deeply.

Service Delivery and Client Experience:

Elevated Credit Score's service delivery has drawn mixed reactions. While communication scores are high, indicating effective client interactions on a superficial level, deeper client satisfaction with the results of the credit repair efforts is notably lower. Claims of outsourcing both dispute management and customer service could contribute to this discrepancy, potentially diluting the personalized attention and expertise that clients expect from a dedicated credit repair agency. Many current clients (at the time of this investigation) state a belief that Hernandez is just the marketing front-man rather than running the company on an operational level.

Operational Concerns and Client Perceptions:

The stated suspicion that Elevated Credit Score and The Financial ER, located nearby, share ownership and possibly even some operational resources like account managers, raises significant concerns about transparency and independent operation. Such practices, if true, could mislead clients about the nature and exclusivity of the services they are purchasing. Both companies use a Registered Agent, however, so the true ownership cannot be definitively known.

Program Pricing and Value:

The company's pricing is perceived as fair by most clients, reflected in the high scores for program pricing and value. However, the effectiveness of the services, as indicated by the lower client result satisfaction scores, suggests that while the costs are reasonable, the actual benefits may not always justify the investment.

Conclusion:

While Elevated Credit Score attempts to position itself as an educational leader in the credit repair industry, the effectiveness of its educational offerings and the integrity of its operations under scrutiny do not consistently meet the standards expected by consumers. Prospective clients are advised to approach with caution, seeking more detailed assurances about the depth of the educational content and clarity regarding the company's operational practices.