Big time Junum problems.

Of course you can come to the party!!! Shoot, without you, it wouldn't be a party! LOL...Honestly, I think a few more than me have had success from what I've read! But, I also can see there are serious concerns to be addressed!

 

Shantel,well said. If I had exhausted all avenues in trying to delete negatives on reports with no results,I would probably be a client of Junum or Lexington also. But I have to say that it took 9 months of hard work. It wasn't e-z. Some might not have the knack or time that it takes to repair and need the professional help.

 

Shantel,

Thanks for using my name in your post about Junum. They did great for me. 14 deletions of hard to delete items in 3 rounds.

Junum is the major reason I am now prime!

Use my name anytime -LOL

 

Jim, how can I not use you? You're the reason I joined Junum in the first place. And because of that, my Equifax is clean. Now I just have too many inquiries and open accounts. Not trying to be funny, but I could imagine worse things I could be.

 

who is junum?

 

Thanks Shantel!

I remember our pleasant "discussion" in the chat room. I'll leave it at that as the title of this thread is "big time Junum problems" and I am no longer a member.

Best regards - Jim

 

Junum is a credit repair company. They are in the business of removing bad remarks from one's credit reports

 

I LIKE the white-out idea!! Great suggestion!

 

Thanks for the info Sam. That is interesting. I also do not believe this is a prank and should be dealt with that attitude. It is equally as interesting that the postal employee did not know what you were talking about. I would request a supervisor, or go in person and get some answers as to what this means. Let us know how Junum responds to this also, please.

-Dave

 

Wow, Sam, thanks for the link regarding Junum's status as a publicly traded company. Very interesting! Did you read the financial information at that link, by the way? For the 3 months ending March 2001, their profit was just $14,000. I hope that figure goes up substantially, LOL!

Randy

 

The Junum Process

All:
What is the Junum process?

Yeah, okay, before anyone gets the â??ideaâ? that my project in some way competes with Junum, it doesnâ??t! We aim for different market segments, Junum one and CreditDefenses another. They are not in competition by any stretch or sense of the word, or deed. Just so that weâ??re clear about thisâ?¦

My question is posed because I have studied the Junum marketing and funding models, but not the companyâ??s process methods â?? again because Junumâ??s audience is far different than ours. My bad, maybe, but â??howâ? they get reports clean was never a concern of ours. So consider me a Junum newbie and explain the process as much as possible, without violating any agreement you may have with Junum (if a member)?

I have my reasons for asking which entail some investigation on my part. As NanaC commented so eloquently, we should not voice our hunches until PROOF makes them fact. So Iâ??d personally like to scratch an itch, if you will, and nothing more than that at presentâ?¦ Thanks in advance.

 

Re: The Junum Process

All:
Iâ??m still waiting for an answer to the above post, so could anyone address my question? (Wouldnâ??t ya know it, the first time I EVER ask for advice â?? having given PLENTY of it â?? and everyone appears on vacay!) [;-)

 

Re: The Junum Process

Well Anthony, I've never been a member of any credit repair firm, but as far as Junum and maybe Lex too go, I have studied them to the greatest extent possible.

All the evidence I can gather indicates that all they do is to simply keep on hitting the credit bureaus with demands for verification and investigation over and over again until they get the job done, at least to some extent.

In other words, as far as I have been able to determine, they simply "spam" the CRAs to death.

Now then, I realize that I might be dead wrong about that, but I have yet to see any evidence to the contrary.

 

Re: The Junum Process

I would like to know the Junum protocol also. All of what I know has been discussed here on creditnet. It seems that they do the following:

1.) get you to sign a contract for a year and some type of power of attorney letting them work on your behalf ?

2.) they have you get your own credit reports?

3.) They have you send copies to them so they can scan it for infromation for derogatory info?

4.) they dispute the items, but you dont see How?

5.)You pay per deletion?

6.) they send the letters to your post office for remailing?

7.) they only deal with the CRAs by disputing the info over and over?

8.) they occasionally mess up really bad?

 

Re: The Junum Process

Junum has no contract..it is month-to-month.

I don't really understand the question about the process...sorry...

 

Re: The Junum Process

NanaC,
I think that we would all just like to know how the entire process works from day one when you sign up, to the daily updates and tactics that they use. It seems elusive due to the fact that we never really get to hear what they actually do. By the way I stand corrected about the contract, I got them confused with another repair company. Anyway, how do they do it? Is it all just a bunch of disputes to the credit bureaus or do they have a set game plan that they follow? I dont get disputing items over and over again in hopes that they are going to get them removed. I believe that you or someone else once told me that their letters are quite simple. If they are so simple then how come all those simple letters that other people write arent effective? They must have some secrets that they are guarding...Do they offer any service besides disputing to the CRAs? Any other services such as Debt negotiations, settlements or parralegal services? Just wondering thats all. I guess I will check out their site for more info..

 

Re: The Junum Process

I have also seen posts in this and other forums where people have stated that they had found out that Junum used the same sheets provided by the credit bureaus and disputed using those, and that they had found this out becauee of the failure of the same mailing system that brought this thread on. This person was angry because he had spent a lot of money with Junum when he could have done the same thing all by himself . He was really upset because he felt that he was basically just getting ripped off.

I have seen a lot more knocks on Junum than I have on Lex by a long ways, but I've seen some pretty nasty ones on Lex too.

I don't think anybody expects them to be perfect, but when they find out that what they are paying their hard earned money for is little more than what an intelligent child might come up with, they really fell burned, and I can't blame them.

Some folks feel that they don't want to give out what might be proprietary information about the company they hired to do their credit repair. That's fine, and it's quite admirable of them if that is really why they don't want to come forward with information we would like to see posted here.
But if what we suspect is true, that what Junum does is simply spam them to death, probably using the credit bureau's own complaint forms for at least their 1st round, then next time using some other variation or letter that is worded a bit more strongly or irately appearing, then there is no real reason not to post them other than their not wanting to admit how badly they have been bitten. That and the fact that if Junum found out they had spilled the beans they might cut off services out of spite and then where would the poor bloke be? He'd have no where to turn for more help.. Or at least one might think that way quite easlily.

The bare, bald truth of the matter is that there is no such thing as "original" letters in credit repair or the legal field either. It's all out there somewhere and it's all pretty freely shared at one time or another. The only thing that is original is the application of what is out there to be had by all. I guess one might say that it's a bit like sex. It ain't what you got, it's how you use it that counts.(LOL)

I know I'm learning a lot with what I am doing, which is a totally different approach compared to the spamming techniques seemingly used by others. What is interesting to me is that out of the ever growing number of people that are subscribing to what I have to offer, only a very small number of them actually take any real ongoing effort to get the job done. The rest just seem to sit there and I never hear from them.

Now then, that seems really odd to me because either my instructions are so simple and complete that most folks don't need any further help and can just go do it to them or else they just don't care enough to give it their very best or whatever. But it's strange to me that for the most part, those that are either lurking or actively partaking in this and other forums are the folks that seem to be out there getting the job done while those who are not active in the forums on line seem to just sit there and do nothing, yet never complain either.

And the thought that anyone might pay their hard earned money to me or anyone else and not get good solid results out of their investments must be because they are too busy with their daily lives to take the time to do what they set out to do or decide they don't want to do it themselves after they see how invoved it might potentially become, a million different reasons why, I imagine.

But whatever their reasons might be, I hate to think that a customer of mine might not be getting their money's worth for whatever reason bothers the hell out of me.

That's why I'm working towards doing it for them for a monthly fee like Junum and Lex do. I want to have both options available to people, let them take their choices or take both options at the same time if they want to.

But you can bet your booties that when I do it for others, it isn't going to be some child's play letter or series of them and spamming the credit bureaus to death all the while charging them a fat monthly fee for doing a spam job which is only going to end up with the customer paying thorugh the nose forever, round after round after round of the same old spam.

And I don't know for sure that what these credit repair companies do is what we are accusing them of doing. It's just that the evidence keeps piling up that points to that. And where there is smoke, there is usually a fire below it.

 

Re: The Junum Process

GoDaddyo

If you actually do find anything meaningful on their site, PLEASE let us know.

I don't remember visiting their site, but judging from the Lex site and Bud Hibbs site and many more that I have visited, there is almost nothing of any value on them.

Bud Hibbs does have 1 or 2 pages that give some meaningful information and so does Lex. I think more is to be gained from the Lex site than from most, but still, not a lot.
Very few real resources.

BTW, have you looked at the little pix I put on my site that I refer to down below in my tag line? That's kinda cute. Give you a little chuckle at least.