123Credit.US Genesee St, Utica

It really works. Had a 400 credit score when I walked into 123. Now I'm at 660 and climbing. Best $200 I ever spent . They work hard to get you where you need to be. Would recommend 123 to anyone looking to improve their way of life .

So I didn’t even get a chance to meet this “Joe”. I called to make an appointment and left a voicemail. As soon as I hang up I get an instant text from “Joe” stating he’s in court. He then proceeds to send me an email with “paperwork” that asked me to send my social security number with all other personal info. Through text I stated that I made an appointment for the next day and “Joe” proceeds to tell me I need to bring ID along with 210 dollars for filing fees. I didn’t get to even explain my situation and he assumes I wanted to go bankrupt. From what I understand this place was advertised to help restore credit or consolidate. His text then says oh we are not going bankrupt but we stop collections. I saved myself the trouble and I’m going to the county building where they have bankruptcy court, I know the county won’t scam meDO NOT USE THIS SERVICE !!!!

Already filed a complaint with the bbb and attorney general and PayPal. 10000% scam. Didn’t know this until after the fact when people I know told me they were scammed to. Would text back right away when he wanted money but said nothing after I’ve given him money. He did nothing to my credit score, barley answered any texts. Said I was going to get letters in the mail and got nothing. I want a full refund of 199 and I will not stop until I get a refund. I’m not sure how this guys in business.

Overall such a great experience. I had delinquent student loans and a car insurance bill in collections. 123 credit restoration removed these items and my credit score increased. I highly recommend this company!

Excellent service. No fees until after the items were removed. Try them you won’t be disappointed. I tried Lexington Law who charges $120 a month and got no results. 123 Credit Restoration removed all my negative accounts within months. Most of them were gone within 30 days. Ty 123!

123 Credit Restoration has been a success for me so far! I’ve used other credit repair programs that didn’t work at all but this one actually does! I’m excited to see what’s next.

Don't waste your money on this crook. I too went to this place to try to improve my credit score. I paid him Labor Day weekend and was told he would have everything fixed in 4-6 weeks. I contacted him a month later for an update, he said couple more weeks and that was the last time I spoke to him. Calls always went to voicemail and eventually the mailbox was full so I wasn't able to leave messages anymore. Texts and e-mails were always met with the same response "waiting on more reports" and then they eventually stopped too. I've requested a refund and filed a complaint with BBB but no response yet. This place is shady and the owner is a crook...STAY AWAY

Just want to say going to see 123 credit restoration was nerve racking not knowing if my credit would be back to where it was. Sat down with joe made me feel like family took care of me and left with a smile. Ty again!! Highly recommend 123creditrestoration!!

If you are looking to improve your credit I highly recommended Joe he is the best Attorney hes professional and very understanding. I pray that god continues to bless him and his family🙏👌👍👏👏😊

The only time I've spoken with Joe was when I first signed up and paid for the service. After that I tried calling several times and my phone calls were never answered. They would only respond via Facebook messenger. I haven't heard from them in almost 6 months. They did do most of what they said. However, I still have 1 collection account that has been on there since I first signed up. When I last messaged them about it they and asked if it was going to be 2-3 weeks,they replied "probably. Im hoping this last account gets removed. I may file a small claim. This company does not FULLY do what they say there are going to do. They also do not communicate well at all. Only when taking your money. I have complained to the BBB. And even they could not get a hold of anybody. I would not recommend this company to anybody for the reasons stated above. However i am hoping someone from the company or Joe reaches out to me. I paid for your services. Do The Right Thing.