Londyn's Financial Services
Is This Your Business?Author: Kaitlyn Short
Londyn’s Financial Services was founded by Londyn Johnson, a certified FICO Score Professional. She has nearly two decades of experience in the financial realm and worked for over 15 years as a debt collection professional on behalf of a number of debt collection companies.
Each case that Londyn’s Financial Services takes on will receive a customized approach to credit repair. With her prior experience working with debt collection companies, Johnson understands the inner workings of how negative items are placed on consumer’s reports and subsequently knows how to implement strategies to remove those negative and inaccurate items both effectively and efficiently.
Londyn’s Financial Services is certified by both the Credit Consultants Association and is credit score certified by the Credit Consultants Association. To date, Londyn’s Financial Services has removed 85 percent of collection, 90 percent of late payment negative items, and 62 percent of judgements on client’s credit reports.
Top Ranked Companies
The Good
- Debt Collection Company Angle
- Clear Pricing Packages
- Credit Resources
- Smart Credit Monitoring
Debt Collection Company Angle
As a former professional within the debt collection industry, Londyn Johnson brings a unique perspective to each case she takes on. Johnson knows the intricate workings of the debt collection space and applies to clients in need of credit repair help. Many credit repair agencies apply a one-size-fits-all approach to each case, but that is not how Londyn’s Financial Services operates.
Clear Pricing Packages
Not all credit repair companies disclose clear pricing packages for prospective clients. Some take percentages or cater costs based on each case’s severity. Londyn’s Financial Services makes it easy for prospective clients to determine if credit repair is an affordable service. Pricing packages breakdown as follows:
Individual Plan
- Enrollment fee of $169
- Monthly fee of $129
- Unlimited disputes to all three credit bureaus
- Creditor/collection agency disputes included
- 24/7 client portal to access progress
- Credit coaching and education
- Credit rebuilding recommendations
- File complaints on client’s behalf
- Dispute comments removal
- No contracts required
Couples Plan
- Enrollment fee of $300
- Monthly fee of $248
- Unlimited disputes to all three credit bureaus
- Creditor/collection agency disputes included
- 24/7 client portal to access progress
- Credit coaching and education
- Credit rebuilding recommendations
- File complaints on client’s behalf
- Dispute comments removal
- No contracts required
Credit Resources
Clients who enroll in Londyn’s Financial Services credit repair plan will have access to a number of credit resources. Most credit repair companies only care about removing negative items, focusing on past financial habits.
With Londyn’s Financial Services, clients will receive helpful coaching and education to improve financial habits ensuring better success in the future. Credit building recommendations will also be made on a case-by-case basis.
Smart Credit Monitoring
Each client who utilizes Londyn’s Financial Services can also take advantage of SmartCredit Monitoring. This service allows clients to track credit scores with the major credit bureaus and determine exactly what is helping or hurting those credit scores. Clients can also track how spending impacts scores, particularly how spending can improve credit scores. Not all credit repair companies offer a credit monitoring service as a side feature, but Londyn’s Financial Services does.
The Bad
- No Money-Back Guarantee
- Unknown Service Area
No Money-Back Guarantee
Money-back guarantees are not necessarily a standard within the credit repair agencies, but many large credit repair agencies do offer one in the event that clients are unsatisfied. No credit repair agency can promise or guarantee results as valid negative credit repair items cannot always be removed if there is no case for deletion.
However, if inaccurate items are included on a credit report and are not deleted, some credit repair companies will provide monetary compensation. Londyn’s FInancial Services does not offer a money-back guarantee.
Unknown Service Area
In most states credit repair is a legal service, but there are some states where credit repair agencies may not operate. It is unclear where Londyn’s FInancial Services is legally allowed to operate and where clients must reside in order to access services. Most credit repair companies make service area known, but Londyn’s Financial Services has not.
The Bottom Line
Londyn’s Financial Services provides comprehensive credit repair and credit restoration solutions for those looking to remove inaccurate and negative items from all major credit reports. With former debt collection experience, Londyn provides each client with a customized plan of attack to ensure all inaccurate items are removed.
Pricing for services is clearly disclosed with all included services and resources. To ensure future financial success, Londyn’s Financial Services provides a number of credit resources to build and maintain good standing. Additionally, smart credit monitoring services are also available.
While there are a number of reasons those in need of credit repair services may want to utilize Londyn’s Financial Services, there are limitations and unknowns to be aware of. No money-back guarantee is offered to clients and results, regardless of credit repair service, are not guaranteed. There is also no known service area, so it is unclear exactly where clients must reside in order to utilize Londyn’s Financial Services.
Clients looking for a customized solution to credit repair will likely benefit from what Londyn’s Financial Services offers to those looking to bolster their credit scores.
