I tried getting a new car and was denied because o...

I tried getting a new car and was denied because of my credit score. I went on Credit Karma to see what was effecting me, other than student loans (no escaping those). This office had 2 accounts of mine, Kay Jewelers and Jared. The company on my credit that purchased my account got me right over to this office. There can be some excessive calling, which I've complained and learned its their "dialer system." I spoke with Megan Chase who worked with me and advised me how I can improve my credit. Her supervisor Sean Maxwell then offered me a settlement and emailed me my paid in full letters right away.

I went from paying 20 monthly, to settling both accounts just last week.

Overall, the representatives are helpful and credible (being that the company from my credit report gave me their number to pay).
My only complaint was the excessive calling, which was rectified shortly thereafter.

Im adding my review now because the negative reviews is what made me avoid paying my bill. Yes, my relatives were called, and yes I was upset. but the debt was valid, it was on my credit report, i have both paid in full letters.