Credit Concepts

Improve your credit a bit and use some other lender, I beg you. My credit has gone up 100+ points since I got this loan and I am about to refinance to get away from this company (and the awful APR). These guys are terrible.
I changed my insurance and received a letter from Credit Concepts about my requirement to provide proof of insurance and have them as a lienholder. O.k., they are 100% correct! I did not yet provide this– and I did switch my auto insurance a couple weeks ago. Immediately after receiving this letter, I sent the policy to one of their employees. This employee stated «This is perfect. I will contact your insurance agent in the morning and have them list us as lien holder. Thank you!» (copied from my e-​mail) About a week later I receive a second scathing letter threatening to repossess my car and accelerate the contract because I have not provided proof of insurance, nor have I added Credit Concepts as a lienholder.
I have made every single payment on time (I am actually a couple payments ahead), and there was still no research done whatsoever to see if I had contacted them and updated this information. They clearly have no way to track the activity on their client accounts in their system, and have a bunch of employees in different locations that arent communicating to each other. Of course, these employees also are only qualified to work some lousy job for a sub-​prime lender, so I guess I am expecting a bit much (says the guy with the sub-​prime loan, but whatever).
The worst thing I ever did (in college) was pummel my credit down to the point where I was dealing with companies like this! I am so glad I am almost out of the hole that I dug. Hopefully I can bury Credit Concepts in that hole.
My suggestion is to buy some lousy $ 500 car and drive it til’ it dies. In that time, improve your credit and get a loan from someone else.
I also received a letter about a fidelity and identity theft threat involving one of their employees. Great! Thanks for the lovely letters Credit Concepts!
–One of your clients that has made 100% of his payments.