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Vance the Credit Doctor

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Vance The Credit Doctor is a credit repair company in Oklahoma. There is not listed business address which is a huge concern.  If a company is successful usually they will grow and if they have any amount of business they would have an office. If a company has no business address listed that raises a lot of red flags. Most likely that means the company is working out of a home which is likely not near as secure it needs to be to handle your personal information.  With this company we know that the owner, Vance Dotson, is the only employee.  What happens to your money and credit if he takes another job, run out of money, goes on vacation, etc. This does not mean Vance The Credit Doctor is not a good company it just means with something as important as your credit you as the consumer need to take all the information you can find while doing your research and analyze the risks vs the reward when choosing a company you are going to hire when dealing with your credit. 

  • Results:  Vance The Credit Doctor has posted no testimonials or copies of real deletion results on their website for you to browse and gauge.

  • Experience:  The experience of  Vance The Credit Doctor is hard to determine.  We can find no start date for the company or any information on what credit experience Vance Dotson may have. Typically, if there is a lot of experience in the company that is something they will promote however and we don't see a lot of that. 
  • Types of Programs Offered:   Vance the Credit Doctor offers 2 programs:  A Quick Close Program and A Total Restore program.  Each program includes dispute, and debt validation letters.  The Total restore program just lasts much longer.
  • Pricing and Value:  The Quick Close program is $400 and the Total Restore program is $800.  With no indepedent customer reviews of Vance The Credit Doctor online it is impossible to judge what value you are getting for the cost. 
  • Guarantee:  Vance The Credit Doctor states that he will refund 50% of the program costs if at least 50% of the negative items on your credit report are not removed.  
  • Reputation/Reviews:  When searching Google for Vance The Credit Doctor we have been unable to find any reviews.  This can speak to very small size and scope of the company.
  • Time of Program:  The Quick Close program is for 120 days while the Total Restore program is for 1 year. 
  • Website Security:  Vance The Credit Doctor does not have the ability to sign up through their website so web security is not an issue. 
  •  Compliance:  Without seeing their agreement it is tough to tell if they are in compliance with state and federal laws. However, if they are working out of a home instead of an office there could potentially be many compliance issues in regards to security of personal information.   Also we have found out that Vance was arrested in February of 2013

If you are looking at enrolling with Vance The Credit Doctor it is important that you do all your research.  Not having an office can definitely raise some concerns. We recommend you look into our top recommended companies before moving forward with another company. 

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