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Lowes Financial

Houston, Texas

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Lowes Financial is a small sized credit repair company in Houston, Texas. Their website lists no phone number or address for the company.  The company also appears to be only 1 employee, Percy Lowe, the owner and founder.  There is always a cause for concern when a company is only 1 employee with no business address or phone number.  This generally means the company is being operated out of a house or apartment leads to questions on the security of your personal information.  Also, when a company is only 1 person there is also high probability of the company closing:  what happens to your money and credit if the employee takes another job, runs out of money, or simply goes on vacation?  Who will be there to help you?   

  • Results:  Lowes Financial has posted zero testimonials or copies of real deletion results on their website for you to browse and gauge.  Has the company not handled enough successful clients to have generated any positive testimonials.

  • Experience:  The experience of Lowes Financial is hard to determine.  We have been able to find no registered start date for business.  The owner states that he has several years of experience in the financial sector but does not go into any specifics.  We have found that when a company has plenty of credit industry experience it will be something that they promote clearly on their website.
  • Types of Programs Offered  The Lowes Finanical website doesn’t get any specifics about what their credit repair progra entails.  We do know they offer secured credit cards that must be purchased through them during the program.
  • Pricing and Value:  Lowes Financial has an initial charge of $450 -$750 depending on the number of negative accounts on your credit reports.  They also charge a $50 setup fee along with a $10 monthly cost.  The customer is also responsible for paying for credit reports through Lowes Financial along with credit monitoring and secured credit cards.
  • Guarantee:  The Lowes Financial website has no mention of a money back guarantee.  This does not mean that they do not have one but it is not something that they are wanting to promote.  We have found that when a company has a strong customer friendly money back guarantee they will advertise it on their website.
  • Reputation/Reviews:  When searching for the company and owner online we have been unable to find any independent consumer reviews for the Lowes Financial.  This can speak to the very small size of the company and that they may not be handling enough clients to have built a reputation online.
  • Time of Program The website for Lowes Financial does not specify any details to the timing or terms on the website. 
  • Website Security Lowes Financial does not have the ability to sign up through their website so web security is not an issue. 
  •  Compliance:  There may be a compliance issue with this company.  In the state of Texas all Credit Repair companies are required to be registered with the Texas Secretary of State and boned.  We can find no record of the company being registered or bonded.  If you are consulting with them this would definitetly be something you would want to bring up.   

If you are looking at enrolling with Lowes Financial it is important that you do all your research.  Not having an office can definitely raise some concerns as well as there may be some compliance issues. We recommend you look into our top recommended companies before moving forward with another company. 

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