Everything Credit LLC and David Payne Jr: operating under dubious legality

Are you considering using Everything Credit LLC for credit repair services? Before you make a decision, it's crucial to understand the facts about this company and its founder, David Payne Jr. This article will provide an in-depth look at Everything Credit LLC, examining its legitimacy, business practices, and potential red flags.

Everything Credit LLC, domiciled in Georgia, as delineated in the Georgia Company Registry (https://www.georgiacompanyregistry.com/companies/everything-credit-llc/), is operating under dubious legality. The absence of a 501(c)(3) status and its listing as a private enterprise is concerning.

Company Overview: Everything Credit LLC is a Georgia-based credit repair company founded by David Payne Jr. According to the Georgia Company Registry, the company is registered as a domestic limited liability company (LLC).

Key Concerns:

  1. Legal Status and Compliance Everything Credit LLC operates as a for-profit entity, which raises questions about its compliance with credit repair industry standards. Many reputable credit repair organizations maintain non-profit status to ensure transparency and avoid consumer deception.
  2. Registration and Regulatory Adherence Georgia law requires credit repair companies to register with the Secretary of State and follow strict regulations. It's unclear whether Everything Credit LLC has met these requirements.
  3. Business History Discrepancies While the company claims a decade of experience, records show Everything Credit LLC was established in 2021. This inconsistency raises concerns about the company's credibility.
  4. Online Presence and Reputation The company's website domain was registered in 2021, contradicting claims of long-term operation. Additionally, Everything Credit LLC lacks Better Business Bureau accreditation and has limited online reviews, making it difficult to assess customer satisfaction.
  5. Questionable Marketing Practices Reports suggest that David Payne Jr has posted unrealistic, potentially photoshopped credit repair results without verifiable client testimonials. This practice can mislead consumers about the company's effectiveness.
  6. Compliance with the Credit Repair Organizations Act (CROA) There are allegations that Everything Credit LLC may not comply with CROA regulations, particularly regarding upfront fees and dispute methods.

https://www.youtube.com/watch?v=jboRAfEV-iM&ab_channel=TODDGIVANS

Based on the video “DAVID PAYNE (EVERYTHING CREDIT) STOLE MONEY FROM ONE OF CLIENTS ✅” by Todd Givans, here are the key points:

  1. Todd Givans previously exposed David Payne of Everything Credit LLC in a 2-hour livestream video, showing evidence that Payne had reached out to Givans for credit repair services.
  2. Givans claims Payne is a "fake credit guru" who lacks the expertise and professionalism to legitimately provide credit repair services.
  3. Givans alleges that Payne copied and misrepresented content from Givans' own YouTube channel and credit repair materials.
  4. In this new video, Givans interviews one of Payne's former clients, who claims Payne failed to properly apply payments and ultimately stole money from the client.
  5. The client states he paid Payne $100 per month for credit repair services, but Payne stopped acknowledging the last payment, leading the client to research Givans and switch to his services instead.

Several concerning issues with Everything Credit LLC

Its owner, David Allen Payne, that suggest it is not a reputable or trustworthy credit repair company:

  1. Illegal Operation in Georgia:
    • Credit repair is illegal for private companies in the state of Georgia, where Everything Credit LLC is located.
    • The company is not registered as a non-profit organization, as required by Georgia's credit repair laws.
    • Payne is operating a for-profit credit repair business in a state where it is prohibited, which raises significant legal concerns.
  2. Misrepresentation of Company History:
    • Everything Credit LLC's website claims the company has been in business for 10 years, but the domain name was only registered in 2021.
    • This suggests Payne is deliberately misrepresenting the company's history to appear more established than it actually is.
  3. Lack of Transparency and Credibility:
    • The company has no BBB accreditation, Yelp reviews, or Google reviews, indicating a lack of transparency and credibility.
    • Payne has been accused of posting unverifiable, photoshopped results of credit deletions on the company's website.
    • The absence of real customer testimonials or reviews raises concerns about the legitimacy of the company's claims and services.
  4. Unethical and Potentially Illegal Practices:
    • Everything Credit LLC is reported to only dispute credit report errors by mail, which violates the Credit Repair Organizations Act (CROA) that requires online dispute processes.
    • Payne has a history of bullying and defaming other credit repair experts, engaging in toxic behavior online.
    • The company is accused of charging upfront, non-refundable fees, which is also prohibited under CROA.
  5. Terminated Business Status:
    • The search results indicate that Everything Credit LLC's status is listed as "Terminated" as of April 2023, further casting doubt on the company's legitimacy and viability.

Additional Concerns and Allegations

Recent information has come to light that further complicates the picture surrounding Everything Credit LLC and its founder, David Allen Payne Jr. A YouTube video titled "EXPOSING THE FRAUD DAVID PAYNE (EVERYTHING CREDIT)" by Todd Givans makes several serious allegations:

  1. Alleged Copying of Content Payne has been accused of copying content ideas from other YouTubers in the credit repair space. Specifically, he's alleged to have replicated a review of "The Credit Game" YouTube channel after another content creator gained significant views for a similar review.
  2. Questions About Professional Background According to the allegations, Payne's primary occupation is as a warehouse worker, raising questions about his expertise in credit repair. It's claimed that he earns additional income by reselling credit education products from other sources.
  3. Potential Plagiarism There are accusations that Payne has used credit dispute letter scripts from other credit repair professionals without proper attribution. This raises ethical concerns about the originality of the advice and services provided by Everything Credit LLC.
  4. Inconsistent Relationship with Competitors Despite publicly criticizing other credit repair professionals, Payne has reportedly been an active follower and commenter on their channels. This apparent inconsistency could be seen as potentially manipulative behavior.
  5. Qualifications and Expertise The video cast doubt on Payne's qualifications and ability to provide expert credit repair services, suggesting that his supporters may be misled about his capabilities.

Important Considerations: While these allegations are serious, it's crucial to note that they come from a competitor in the credit repair industry. As such, they should be viewed with a critical eye and not taken as conclusive evidence. Independent verification of these claims would be necessary to establish their accuracy.

Impact on Consumer Trust: These allegations, if true, would further erode trust in Everything Credit LLC and David Allen Payne Jr. They highlight the importance of thorough research when choosing a credit repair service provider.

Advice for Consumers:

  1. Verify Credentials: Always check the qualifications and background of any credit repair professional you're considering working with.
  2. Look for Original Content: Be wary of services that seem to merely resell or repackage information from other sources.
  3. Check Multiple Sources: Don't rely on a single review or testimonial. Look for consistent information across various platforms.
  4. Be Skeptical of Dramatic Claims: If a credit repair service promises results that seem too good to be true, they probably are.
  5. Consider Alternatives: Remember that you can dispute inaccuracies on your credit report yourself for free.
Everything Credit LLC

https://youtube.com/watch?v=JD3yN1Rx530%3Fsi%3DHinl0bHnvx8rN0zt

Red Flags to Consider:

  1. Unrealistic promises of credit score improvements
  2. Demands for upfront fees before services are rendered
  3. Lack of clear contract terms and conditions
  4. Limited or non-existent customer reviews and testimonials
  5. Inconsistencies in the company's claimed business history

Protecting Yourself: If you’re considering using Everything Credit LLC or any credit repair service, take these precautions:

  1. Verify the company's registration with the Georgia Secretary of State's Office
  2. Familiarize yourself with the Georgia Fair Business Practices Act and Credit Repair Organizations Act
  3. Research the company's reputation through multiple sources
  4. Be wary of guarantees to remove all negative items from your credit report
  5. Avoid paying upfront fees before services are provided

Alternative Options: Instead of using potentially risky credit repair services, consider these alternatives:

  1. DIY credit repair: You have the right to dispute inaccuracies on your credit report directly with credit bureaus
  2. Credit counseling: Seek help from non-profit credit counseling agencies
  3. Debt management plans: Work with creditors to develop a repayment plan
  4. Financial education: Learn about credit management through reputable sources like the Federal Trade Commission and Consumer Financial Protection Bureau

Conclusion: Based on the available information, Everything Credit LLC and David Allen Payne Jr's credit repair services raise significant concerns. The company's legal status, business practices, and online reputation all warrant caution. Before engaging with any credit repair service, thoroughly research your options and consider alternative methods for improving your credit.

Remember, no credit repair company can legally remove accurate negative information from your credit report. Focus on building positive credit habits and addressing any legitimate issues on your credit report through proper channels.

So Lets Describe David Allen Payne Jr Owner of “Terminated” Everything Credit LLC

An overweight bald white man stands near a shed, looking rageful. The image symbolizes the unethical practices and questionable business operations of Everything Credit LLC and its owner, David Payne. Accused of copying content from other credit repair YouTubers like Todd Givens without giving proper credit, Payne has been alleged to promote stolen materials such as credit dispute letter scripts as his own. Claims also suggest Payne failed to apply client payments correctly, resulting in financial theft.

Lack of originality and professionalism is highlighted, portraying Payne as an opportunist who copies others' work instead of creating his own, leading to skepticism about his intelligence and legitimacy as a credit repair expert. Givens describes Payne's supporters as "deluded" about his abilities and credibility.

Operating illegally in Georgia, Everything Credit LLC, a for-profit company, falsely claims a 10-year history, misleading consumers. The company lacks transparency, with no BBB accreditation, Yelp reviews, or Google reviews, raising further concerns about its legitimacy.

The image underscores potential legal issues faced by Payne for running a credit repair business without proper non-profit registration and for alleged client payment theft and misrepresentation, exposing him to legal consequences.

How did Todd Givens expose David Payne’s alleged fraud

Givens previously did a 2-hour livestream video exposing Payne and providing evidence of his questionable practices, though the specific evidence is not detailed.

In a new video, Givens interviews one of Payne's former clients who claims Payne failed to properly apply payments and ultimately stole money from them.

Givens accuses Payne of copying his credit dispute letter scripts and promoting them as his own without giving Givens credit.
Givens implies that Payne lacks the intelligence and professionalism to be a legitimate credit repair expert, and that his supporters are deluded.

Givens claims Payne copied the idea to review "The Credit Game" YouTube channel after another YouTuber gained popularity for a similar review.

What specific actions did David Allen Payne Jr allegedly take that led to his exposure

Copying and Misrepresenting Content:Givens claims Payne copied and misrepresented content from Givens' own YouTube channel and credit repair materials.

Payne is accused of taking Givens' credit dispute letter scripts and promoting them as his own without giving Givens credit.
Lack of Originality and Professionalism:Givens implies that Payne lacks the intelligence and professionalism to be a legitimate credit repair expert.

Payne is portrayed as an unethical opportunist who copies others' work instead of developing his own expertise.
Stealing Client Payments:Givens interviewed one of Payne's former clients who claimed Payne failed to properly apply payments and ultimately stole money from them.

Copying Successful Competitors:Givens alleges that Payne copied the idea to review "The Credit Game" YouTube channel after another YouTuber gained popularity for a similar review.

Did David Allen Payne Jr acknowledge any specific YouTubers in his videos

odd Givens alleges that Payne copied the idea to review "The Credit Game" YouTube channel after another YouTuber gained popularity for a similar review.

Givens claims Payne took credit dispute letter scripts and other materials from another YouTuber's channel and promoted them as his own without giving the original creator credit.

Givens questions how many times Payne has sourced out and taken material from another person's YouTube channel to promote on his own channel.

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