EXPOSING: Everything Credit LLC and The Credit Crusader

In the realm of credit repair, it's crucial to discern the genuine from the fraudulent. While many organizations operate with integrity and transparency, others, such as Everything Credit LLC and its associated YouTube channel, The Credit Crusader, are mired in controversy and questionable practices. This article aims to unmask these entities, their operations, and the potential risks they pose to consumers.

There Is Strong Evidence To Show Everything Credit LLC Is A Scam

Everything Credit LLC


David Allen Payne JR - Everything Credit LLC, a domestic limited liability company registered in Georgia. The company, with its headquarters situated at 323 E Williams Ave, Ashburn, GA, 31714, USA, (His home) is under the guidance of David. While the company has been active since August 2021, its operations have raised significant concerns, primarily due to its presence in Georgia, where private credit repair services often fall within a legally questionable territory. It is advisable for individuals to thoroughly evaluate and consider these factors before engaging with Everything Credit's services



In Georgia, credit repair services offered by private companies such as Everything Credit LLC are considered illegal. In Georgia, the regulations for credit repair businesses are specific and important to adhere to. Credit repair companies operated by private entities are illegal in Georgia, but credit repair law firms are allowed to provide services. However, there is an exception for tax-exempt credit repair companies under IRS Code 501(c)(3). It's crucial to note that credit bureaus do not need to respond to dispute letters from credit repair companies but must respond to letters from lawyers representing clients. To ensure compliance with regulations, it is advisable for credit repair businesses in Georgia to operate within the legal framework and seek legal advice when needed

This regulation aims to protect consumers from fraudulent practices and scams that could lead to financial harm. Despite this, David Payne Jr of Everything Credit continues to operate, offering credit repair services and the sale of Credit Privacy Numbers (CPNs), which are often associated with suspicious activities and potential legal issues.

David Allen Payne Jr is VERY Toxic

David, the operator of Everything Credit LLC, is a contentious figure in the credit repair industry. His YouTube channel, The Credit Crusader, is notorious for its bullying tactics and dubious credit advice. Despite a disclaimer stating the content is for entertainment purposes only, the channel's viewers may be misled by the credit advice provided, leading to potential financial harm.

The Credit Crusaders: Advocates or Scammers?

The Credit Crusaders, associated with Payne and Everything Credit LLC, present themselves as social justice advocates. However, their activities, including the sale of CPNs, suggest otherwise. The group's involvement in these questionable practices raises concerns about their intentions and the legitimacy of their operations.

The Risks of Misleading Credit Advice

Misleading credit advice, such as that provided by Everything Credit LLC and The Credit Crusader, can have severe consequences. Consumers may find their financial situation worsening and their credit scores damaged. It's crucial for consumers to seek reliable credit advice from reputable sources to avoid falling victim to scams and other fraudulent practices.

Diagram: The Cycle of Misinformation

graph TD A[Consumer] --> B{Everything Credit LLC} B --> C[CPN Sales] B --> D[Questionable Credit Advice] C --> E[Potential Legal Issues] D --> F[Financial Harm] E --> G[Damage to Credit Score] F --> G

Owner of Everything Credit Harassing Professionals

In a series of revealing videos, the unprofessional conduct of David Payne Jr. towards a former employee of Pinnacle Credit Repair, Tammy, is laid bare. Tammy, who worked as a dispute processor at Pinnacle Credit Repair for two years, was unjustly fired due to false allegations spread by Payne. The video's, which can be viewed here, here, here, here, here, and here, provide a detailed account of the incident's, which can be viewed here, here, here, here, here, and here, provide a detailed account of the incident.

Tammy's dismissal was not the end of Payne's unprofessional conduct. He continued to stalk Tammy on Upwork, a platform for freelancers, further demonstrating his disregard for professional boundaries and ethical conduct. These actions not only reflect poorly on Payne and Everything Credit, but also raise serious concerns about the company's treatment of its employees and its overall business practices.

The Impact of Unprofessional Conduct on Business Reputation

Unprofessional conduct, such as that demonstrated by David Allen Payne Jr , can have severe repercussions on a business's reputation. It not only damages the trust between the company and its employees but also erodes the confidence of potential clients and customers. In an industry like credit repair, where trust and credibility are paramount, such behavior can be particularly damaging.

In conclusion, the actions of David and Everything Credit LLC serve as a stark reminder of the importance of ethical conduct in business. It underscores the need for consumers to be vigilant and to thoroughly research any company they plan to engage with, especially in industries like credit repair, where the potential for fraud and misconduct is high.

FAQ for Everything Credit LLC

Is Everything Credit LLC a scam?

Yes, based on the information provided, Everything Credit may be considered a scam since it operates in violation of the laws and regulations governing credit repair services in Georgia. In Georgia, it is illegal for a private company to engage in credit repair activities. It is important to exercise caution and consider the legality of credit repair services offered by private companies to protect oneself from potential scams or fraudulent practices.

Is Everything Credit LLC breaking the state laws of credit repair?

Based on thorough research. Everything Credit LLC has been involved in the following practices that may be in violation of state laws:
Charging one-time fees: There are claims that Everything Credit has charged upfront one-time fees, which could potentially be illegal depending on the jurisdiction and specific regulations governing credit repair services.
Operating illegally in Georgia: It has been suggested that Everything Credit operates in Georgia, where private credit repair services are typically deemed illegal under certain circumstances. This raises concerns about their compliance with state laws and regulations in Georgia.
Performing illegal credit sweeps: There are allegations that Everything Credit has engaged in illegal credit sweeps, which involve the mass dispute of accurate information on credit reports. Such practices may be considered illegal under credit repair regulation

Does Everything Credit LLC charge upfront one-time illegal fees?

Yes, Everything Credit does charge upfront fees. What this means is that they require a payment to be made before they begin to provide any credit repair services.
This practice, however, is considered illegal under the Credit Repair Organizations Act (CROA), which states that no credit repair organization can charge or receive any money until they have fully completed the services they have promised

It's important to approach the credit repair industry with caution and be mindful of the choices you make. While there are legitimate companies like Everything Credit that genuinely help individuals improve their credit scores, there are also others, like The Credit Crusader, who may employ questionable practices and provide misleading advice. To protect yourself, it is essential to conduct thorough research, verify the credentials of any company or individual you consider working with, and seek guidance from trusted and reputable sources. By doing so, you can make informed decisions and ensure that you're on the right path towards improving your credit.

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William Anthony is an Entrepreneur, Strategist, and Blogger. Back in 2015 when He checked his credit score, it was lower than 500. That's not even a passing grade! Since then He always wanted to know more about how credit works, and for the last 7 years, He has researched and tested all things about Credit Score, Credit Card, etc. And now, after succeeding in many cases in His Credit Score Journey, He wants to share all of his experiences with you guys. Hope that reading articles about Credit Score, Credit Cards, Credit Repair, etc. will become more clear for your own Credit Journey.

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