Joe Camacho

National Consultant

My first priority when assisting my clients is to listen, identify, and then explain how the negative items on their credit reports are affecting their credit score and purchasing power. Once I have determined their needs, I am able to implement a process to expedite their credit repair needs. This helps manage the clients expectations and gives them a better understanding of there current credit situation.

I have personally lived with bad credit, and am going through the process of credit repair myself. Through my own experiences, I can provide knowledge and top quality service. As a Senior Credit Consultant I am concerned about your needs and care about eliminating the stress from your current credit issues. Call me today for the service you deserve and the answers to all your credit repair questions.

You can reach me at (972) 984-5142.

From: Robert R
Sent: Tuesday, August 17, 2010 5:04 PM
To: Joe Camacho
Subject: from Roberto R

From: mindy e
Sent: Wednesday, August 04, 2010 2:59 PM
To: Joe Camacho
Subject:

Thank you Joe!This is only my second month and already   2571.00 deleted, not to mention 60% of all three credit bureaus deleted.
Truly Amazing!!

Mindy

From: Debbie R
Sent: Wednesday, August 04, 2010 11:31 AM
To: Joe Camacho
Subject: Testimonial

Hi Joe Camacho,

I just wanted to give you and the RMCN team a big thanks for all your hard work. I have to admit that in the beginning I was very skeptical about investing my money into your program. I was afraid as many are, especially being a single mom with three kids on one income. Honestly I was afraid of getting ripped off. But after talking to you, I knew what I had to do. So I decided what the hell, why keep making these finance companies richer with my hard earned money by paying higher interest rates because of my bad credit and why not invest it into your program and not only get a higher credit score but also get better interest rates. I have to say that I have been in the program for 4 months now and I have had amazing results and couldn’t be any happier. So if there is anyone out there with any doubts about your program, all I can say is that the only thing you have to lose is deletions on your credit report and the only thing you will gain is points towards your credit score. This is the best investment I have ever made. Once again, thank Joe Camacho.

Debbie 
 

From: Jennifer D
Sent: Friday, July 30, 2010 6:15 PM
To: Joe Camacho
Subject:

Joe you were right! I can't believe how many accounts have been deleted in just the first round! I'm so glad I didn't listen to everyone telling me not to do this, that all these places are just scams. I looking forward to the day my husband and I could pick out my first home. Once again THANKS RMCN!

From: Ian T
Sent: Monday, July 19, 2010 10:53 PM
To: j.camacho
Subject: Testimonial

When my friend who was already in the program told me about RMCN I was excited but a little skeptical.  Being in Seattle, RMCN was based half way across the country so I feared that I would just become another name on a list.  I decided that I would at least do a phone consultation and see what it was all about.  I got the pleasure of working with Joe Camacho and all of those doubts were erased immediately.  Joe made everything so easy and explained everything step by step to me. I decided to move forward with enrolling immediately and have never doubted it.  Joe has made it seem as though they were just down the street with constant phone calls and emails explaining progress and what they were doing on my behalf.   Never have I felt brushed aside and he is always there to answer any questions and concerns I may have.  Not only has it been easy and a pleasure but I have had amazing progress so far I never thought I could achieve.  I have around 70% deletions of negative items on all 3 credit bureaus and have gotten new lines of credit opened to boost up my credit score.  This is all after about 5 months and we are still going strong.  My only regret is that I never found out about this sooner.  If you are having any doubts about enrolling or feel skeptical DON'T.  You'll be in great hands with Joe Camacho.  Thanks Joe!

From: Diana G
Sent: Friday, July 16, 2010 3:10 PM
To: Joe Camacho
Subject:

I have only been a part of the program for two months and I am already beginning to see deletions on my credit reports as well as updates that also help my credit score. Joe has been extremely helpful in answering all my questions and always returns my phone calls promptly. I'm very happy with the progress and am super excited to see my final credit score. Good job Joe! :)

From: Tesa K
Sent: Thursday, July 15, 2010 1:29 PM
To: Joe Camacho
Subject:

You were right! I just received an update from the credit bureau and they deleted several of my delinquent accounts! I didn't think it would happen after just one month but it did!! I am super excited because as you know I'm not only doing this credit repair for myself, but also for my kids. I think I can still be a great role model for them even as a struggling single parent, and this just goes to show that there is hope! My plan is for us to be in our dream home soon and you are helping to make it a reality!

Tesa

This letter is to acknowledge what a great job Joe Camacho and RMCN does with my customers I send him from Fairway Mortgage. 

I have been in the business 15 years and have never had much luck with credit repair companies or people until now.  They always seem to charge a lot of money, produce no results, and then leave the company.   

This is exactly the opposite with Joe and RMCN.  I have referred at least ten people to Joe and he keeps me up to date on each customer and their progress.  He has been able to set a target score for each of them and hit it as long as they stick with the program. 

Each person’s credit history is different and has individual needs, stories, and circumstances.  Joe takes the time to find out the problems and then creates a plan that is tailor made to improve their scores.

In today’s market credit repair is an essential element of a mortgage lender’s business plan.  Even people with 620+ credit can be scrutinized with disputes, collections, charge off’s, judgments and a whole host of other credit issues which are now relevant in underwriting.  Gone are the days of easy approvals, stated income, and sub 500 credit score approvals.  Fannie Mae and Freddie Mac require letters of explanation on all parts of a credit report and a clean credit report is paramount to underwriter approvals. 

Another new development in mortgage is a tiered rate schedule.  This means you get better rates for better credit scores.  Having an expert on your side improve your credit scores pays for itself quickly in the amount of interest you pay over time. 

I whole heartedly recommend Joe and his company and will continue to send my client base who need credit improvement to him. 

Sincerely

Patrick Kirby
Mortgage Banker

Direct: 972.899.5161
Fax:    972.899.5152
Email: Patrickk@fairwaymc.com

Apply On-line at: www.fairwaypatrick.com

From: Michael T
Sent: Friday, July 09, 2010 4:25 PM
To: Joe Camacho
Subject:

From: kyra*******@aol.com
Sent: Friday, July 09, 2010 12:18 PM
To: Joe Camacho
Subject: Re: Joe's Email

Thank you so much for all you hard work. I had 3 creditors showing bad debt on accounts that I had paid off. With your help I now have a perfect credit record and a great credit score.

From:Jess
Sent: Sunday, July 04, 2010 5:57 PM
To: Joe Camacho
Subject:

Thank you Joe for helping me these past few months! Not only have you been helpful in repairing my credit you have also been able to tell me what is smart and not with money. I started out with a score that is below 600 and now within a short 43 days I have deleted over 30% of my bad credit! I didn't think that it was possible but you have helped me it is! I didn't believe anything about the program but it has turned out to be so far all real! Can't wait to see the final score.

Thanks again Joe!

From: F, Jeffrey
Sent: Tuesday, July 06, 2010 11:00 AM
To: Joe Camacho
Subject: RMNC Recommendation

RMCN has really helped with my credit issues. My credit score started out in the low to mid 500's and are now in the low to mid 600's. They're expected to go up in the very near future with Joe helping me open 2 new lines of credit. I started out with 23 collections owing $3,492 and now I'm down to 2 collections owing $144. That alone has paid for my participation in this great program. I started out with 47 late payments and I'm down to 18. Joe has really helped me start over and get a fresh start. As with starting over with anything it very exciting and I feel like I'm getting a new lease on life. I would recommend this program to anyone who is really serious about correcting their credit. Thanks Joe and RMCN!

Jeff

V/R
Jeffrey F

From: Betty E
Sent: Friday, June 11, 2010 2:15 PM
To: Joe Camacho
Subject: Testimony

I have been working with my counselor Joe at RMCN for approximately 5 months. With Joe's dedication to my case, my credit scores have increase by the following points:

504 to 604 (up 100 points)

533 to 603 (up 70 points)

478 to 580 (up 112 points)

These scores will continue to go up as more items are deleted from my record and I began to re-establish my credit history over the next few weeks.

I told a friend about this company when I began the program. She was skeptical and decided not to get involved right away. She took advantage of the fact that she could see what the program did for me before she invested. I could not blame her because like her, I have had some bad experiences with companies who promised results and did not, and have even heard it said that these company's are all scams.

I felt I had no choice but to take a risk, and I am so glad I did. When I called my friend yesterday to give her a update, she was so excited that she immediately requested Joe's number and cut our call short to speak with him. Now, like me she is on her way to getting her life back again. There is no better feeling than knowing your credit is no longer problematic and that you can buy the things you need in life without excessive interest rates. Rather than hearing NO! NO! NO!, I can now hear Yes! Yes! Yes!

I can never say enough about how this program is changing my world. Thanks so much to Joe and RMCN for their devotion and professionalism.

Sincerely,

Betty E.

From: Michael G
Sent: Tuesday, June 08, 2010 8:16 AM
To: Joe Camacho
Subject: Credit Report

Hi Joe,

Just wanted to thank RMCN Credit Repair and you, for doing such an outstanding job on my wife and I's credit report. I am so pleased and satisfied with your all's continued commitment for excellant results.

Again, my wife and I sincerely thank RMCN and you Joe.

Respectfully,

Michael G

From: Jessica H
Sent: Friday, June 04, 2010 8:40 AM
To: Joe Camacho
Subject: RE: Question

Ok as per identity guard as of 05/17

Equifax: 610 up 72 points

Experian: 613 up 91 points

Trans union: 597 up 66 points

Average was 530 is 606 up 76 points

Not bad J

From: Amy R
Sent: Thursday, June 03, 2010 3:04 PM
To: Joe Camacho
Subject: Thanks Joe!

From: Tamika T
Sent: Thursday, May 27, 2010 9:02 AM
To: Joe Camacho
Subject: Credit summary changes/update

Hi Joe,
Sorry for the influx of emails  but this is so awesome!!!  I will definitely be getting Kareem on the program once mine nears the 6 month mark then after Kareem my mom.  Thank you so much again.
Tamika

1. Please tell us how you feel about the customer service at RMCN and the quality of our program.

2. We understand that times are tough, economically, right now. Are you or anyone you know in need of our services?

3. Please tell us any additional comments that you have.

From: Jessica H
Sent: Tuesday, February 23, 2010 2:33 PM
To: Camacho Joe
Subject: FW: Based On Your Initial Experience At RMCN Credit Services, Inc.

Just wanted to let you know that I did the survey and said EXCELLENT and ABOVE AVERAGE on everything and raved about my consultant! :)