Trinity Debt Management
Reviews and Complaints

I am caught off guard by a few of the posts made on this site. At first I thought someone had a personal issue with someone with the company. As I read more, I am not sure if a couple of those posts even makes sense. I have used this company for many years and none of my clients have ever had a bad experience. It’s been at least 7 years since I started using them and I have sent them well over 400 clients overs the years and I continue to use them without a problem, which is why I was shocked when one of my clients recently questioned me about trinity credit services. I had to advise my client that I have always had a great experience with them and most of my clients thank me for sending them to that company. Some are even humbly thankful for another chance and appreciate wholeheartedly the efforts trinity made to help them have more and better options in life. I have always found the people at this company are very professional and extremely knowledgeable about ways to help people. I mostly like the fact that they are honest and tell me what they can and cannot do for my clients. Over the years their service seem to have gotten better and better in that I really don’t have to follow up much and they do a good job of keeping my clients on track.
I am writing this because a few of these posts do not add up to what I have been experiencing. I am a mortgage broker with almost 30 mortgage loan officers in 5 different states and none of them have had their client have the experience as described by silla13. That post does not even make sense. After reading it, silla13 says she gave them permission to run her credit and looks like they did just that. She must have received the letter with her scores on it and at the top it stated per your loan application. This is normal as some states require this letter to go out along with the scores. It’s the law and no company can just do what they want. Depending on where a person lives, that state may require this letter to be sent out. Perfectly normal. As far as applying for a mortgage in her name, uhhhh, you need much more than a credit report to apply for a mortgage. You need to submit tax returns, check stubs, bank statement ”apply” for a mortgage using a client who contacted them to help improve their credit. It just doesn’t add up. I assure you applying for a mortgage is not that easy.. Or someone at trinity needs to let me and my loan officers know of this easy process now because we never got the memo from fha…lol... (Just pull your credit report and you are approved.. Go buy your house…. ) I can’t understand this. Silla13 says she contacted the mortgage company that she received the letter from and the rep did not know what was going on and said someone else called about the same thing. Well maybe talk with a …. Manager.. At that company to get a better understanding. Obviously something was set up to get reports needed and you gave them permission. I’m sure you had to give them your ss# and date of birth right? As a mortgage broker, my loan officers will give the consumers their reports (Even though the credit bureaus don’t want them to) so they can correct all their issues. When it’s too much for them to do on their own or if they have unpaid collection accounts, we refer them to trinity for help. My company tried to help people and we deal with trinity because they do good to help people we send to them. If someone called my front office operator and asked about trinity, they probably would not know what’s going on unless they talk directly to the person handling the client’s loan or a manager who understands the process. The front desk person has no clue how the loan process works and what’s involved. Seems like silla13 may have blown situation this way out of proportion and is way off base with her understanding of lending. This is crazy. And the lady melissa to my knowledge happens to be in client services and she is the one that alerts us when the client’s scores are in line for us to get an approval for the client’s loan. Although I have never dealt with her personally, my loan officer say she is extremely thorough with explaining to us what the next steps are for our clients. They are also shocked at this post. She has never be a coach for any of our clients but she assisted on the back end with working with the clients to get scores and improvements finalized for the loan. We have dealt with many of their coaches and they have each been on point thus far. I just hate that one of my client’s stumbled on this site and I had to re - assure her based off of all my years of dealing with the company how the actually do work for my clients. I hope trinity continues to do a good job for it’s clients as it has done for the years we have worked with them.

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Don't waste you're time, you're better off going with Creditmergency.

I am caught off guard by a few of the posts made on this site. At first I thought someone had a personal issue with someone with the company. As I read more, I am not sure if a couple of those posts even makes sense. I have used this company for many years and none of my clients have ever had a bad experience. It’s been at least 7 years since I started using them and I have sent them well over 400 clients overs the years and I continue to use them without a problem, which is why I was shocked when one of my clients recently questioned me about trinity credit services. I had to advise my client that I have always had a great experience with them and most of my clients thank me for sending them to that company. Some are even humbly thankful for another chance and appreciate wholeheartedly the efforts trinity made to help them have more and better options in life. I have always found the people at this company are very professional and extremely knowledgeable about ways to help people. I mostly like the fact that they are honest and tell me what they can and cannot do for my clients. Over the years their service seem to have gotten better and better in that I really don’t have to follow up much and they do a good job of keeping my clients on track.
I am writing this because a few of these posts do not add up to what I have been experiencing. I am a mortgage broker with almost 30 mortgage loan officers in 5 different states and none of them have had their client have the experience as described by silla13. That post does not even make sense. After reading it, silla13 says she gave them permission to run her credit and looks like they did just that. She must have received the letter with her scores on it and at the top it stated per your loan application. This is normal as some states require this letter to go out along with the scores. It’s the law and no company can just do what they want. Depending on where a person lives, that state may require this letter to be sent out. Perfectly normal. As far as applying for a mortgage in her name, uhhhh, you need much more than a credit report to apply for a mortgage. You need to submit tax returns, check stubs, bank statement ”apply” for a mortgage using a client who contacted them to help improve their credit. It just doesn’t add up. I assure you applying for a mortgage is not that easy.. Or someone at trinity needs to let me and my loan officers know of this easy process now because we never got the memo from fha…lol... (Just pull your credit report and you are approved.. Go buy your house…. ) I can’t understand this. Silla13 says she contacted the mortgage company that she received the letter from and the rep did not know what was going on and said someone else called about the same thing. Well maybe talk with a …. Manager.. At that company to get a better understanding. Obviously something was set up to get reports needed and you gave them permission. I’m sure you had to give them your ss# and date of birth right? As a mortgage broker, my loan officers will give the consumers their reports (Even though the credit bureaus don’t want them to) so they can correct all their issues. When it’s too much for them to do on their own or if they have unpaid collection accounts, we refer them to trinity for help. My company tried to help people and we deal with trinity because they do good to help people we send to them. If someone called my front office operator and asked about trinity, they probably would not know what’s going on unless they talk directly to the person handling the client’s loan or a manager who understands the process. The front desk person has no clue how the loan process works and what’s involved. Seems like silla13 may have blown situation this way out of proportion and is way off base with her understanding of lending. This is crazy. And the lady melissa to my knowledge happens to be in client services and she is the one that alerts us when the client’s scores are in line for us to get an approval for the client’s loan. Although I have never dealt with her personally, my loan officer say she is extremely thorough with explaining to us what the next steps are for our clients. They are also shocked at this post. She has never be a coach for any of our clients but she assisted on the back end with working with the clients to get scores and improvements finalized for the loan. We have dealt with many of their coaches and they have each been on point thus far. I just hate that one of my client’s stumbled on this site and I had to re - assure her based off of all my years of dealing with the company how the actually do work for my clients. I hope trinity continues to do a good job for it’s clients as it has done for the years we have worked with them.

I don't agree.

I usually don't write stuff on blogs, but I wanted people to know this company really does work. I started in about May of 2015 with the lowest of all 3 credit bureaus a score of 582 and highest a 618 in November 2015, my lowest is 748 and my highest is a 776. I give GOD all the glory and the praise for bring Trinity Credit services into my life. Its December and I am refinancing my house. The agents even said this is the best credit they have seen in a long time. Trinity Credit Services even sent me a copy of my credit report and stated" Here is your beautiful report". I can't stop spreading the good news and I will shout it from the roof tops. Thank you Ken Clifton and Kimberly Hyatt for your outstanding service. You always answered my questions and all my calls. Your customer service was A1, now, just like my credit.

this company is a fraud please save your money I contacted them and talked to manager ryan who promised me a money back guarantee but as soon as i tried to cancel he became unavailable even hanging up on me when i mention i want to cancel he falsely told me things were off my credit which were still on all 3 bureaus this company is a scam scam scam they have horrible ratings after working months they havent got one thing off my credit i even had stuff 6 years old that was gonna fall off anyway really soon now since they disputed it is causing them to report again and will be on there another 7 years i was a 624 when i hired them im now a 564 and nothing has changed on my end just the disputes they did that didnt work they should be shut down

I used Trinity and followed Steven's exact step by step instructions for 180 days and did get results plus! After his explanation it really seemed easy to follow and made sense why it would work. And it did! My self and my wife are now living in our new home and the mortgage broker they sent me to even paid us back the retainer we paid them! I couldn't thank Steve and Trinity enough for giving me back my life and giving me a future! You guy are truly a blessing!

FRAUD SO FAR! Not even BBB accredited! I have been working with Melissa Kimberlin (Senior Credit Coach) and what a horrible experience! I have a credit score of 587 and was trying to be charged $900 to fix my credit yet EVERYWHERE online I have read that they are charging people waaaay less and they have worse credit than I do. The worst part is that I ONLY authorized them to pull my credit (I never paid them a penny!) and guess what Trinity did? They applied for a home loan on my behalf WITHOUT my consent! I received a letter in the mail from a mortgage company first thing this year and the first line in the letter reads: "In connection with your application for a loan, the lender must disclose to you the score that a consumer reporting agency distributes to users and the lender used in connection with your loan and the key factors affecting your credit scores." I immediately contacted the home mortgage loan company stated on the letter I received because I was appalled that they did a loan request/application without my consent! Luckily the man who assisted me is investigating this and is so far BEYOND helpful. He stated to me in an email that another person contacted him with the same issue and this other person was having their credit "repaired" thorugh Trinity so he asked if I gave them my info to "repair" my credit... I was in disbelief! How could this gentleman possibly know I asked Trtinity to pull my credit?! I then forwarded his email to Melissa with Trinity and she kept giving me the run around and never answered my question as to why she applied for a home loan without my consent! I went back and forth with her through numerous emails trying to get an answer from her with NO success! I finally sent her one last email stating I am having this investigated (which I am) because this is FRAUD! Her answer was that I gave her consent to pull my credit... I ONLY AUTHORIZED MY CREDIT PULLED! NOT FOR ANYONE TO APPLY FOR A HOME LOAN ON MY BEHALF AND WITHOUT MY CONSENT! Once the investigation is finished I will update this, but if the outcome of the investigation is not good I will definitely be suing her and the company for sure! The internet is very powerful, unfortunately for them, they messed with the wroooong person!

I have been working with Seth Turner from Trinity Credit Services for about 4 months now. I must say, its going very well for me. I'm not the easiest customer to deal with but Seth is very patient with me, he answers all my questions and always calls me back...This man as taken my credit score from 490 into 590 and i still have 2 months to go... They have truly change my life... Thanks Seth