Chris Locke

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Curtis Evans
Cabin Realty LLC/ USA, Licensed in Louisiana - Golden Meadow, LA

Seek help from a reliable mortgage broker, they will  show you how to clean up your credit for free !!

Oct 26, 2017 02:23 AM
Bob Crane
Woodland Management Service / Woodland Real Estate, KW Diversified - Stevens Point, WI
Forestland Experts! 715-204-9671

A side job/scam, hopefully not part of his brokerage.

Oct 25, 2017 09:06 PM
William Feela
Realtor, Whispering Pines Realty 651-674-5999 No.

Never heard of this before

Oct 25, 2017 09:00 PM
Roy Kelley
Retired - Gaithersburg, MD

I have not seen these promotions.

Oct 26, 2017 03:39 AM
Jeff Dowler, CRS
eXp Realty of California, Inc. - Carlsbad, CA
The Southern California Relocation Dude

I would steer clear!

Oct 26, 2017 06:44 AM
Harry Norman, REALTORS® - Atlanta, GA
Associate Broker

You should consult with your local real estate commission and attorney. 

Oct 26, 2017 05:16 AM
Doug Dawes
Keller Williams Evolution - 447 Boston Street Topsfield, MA - Georgetown, MA
Your Personal Realtor®

Personally, I'd stay away from services such as this. Are they just a FL organization?

Oct 26, 2017 04:52 AM
Jeff Pearl
RE/MAX Distinctive / LIC in VA - Lovettsville, VA
Full Service Full Time Realtor

Sounds like a rip off scheme. Most people can repair their credit on their own. It just takes time.

Oct 26, 2017 04:48 AM
Nina Hollander, Broker
Coldwell Banker Realty - Charlotte, NC
Your Greater Charlotte Realtor

I've never heard of this so it's hard for me to say if it's legal.  I would stay away from most credit repair programs.

Oct 26, 2017 04:24 AM
Dennis Swartz
Full Circle Property Management - Columbus, OH
MBA, GRI...experience counts!

If you have to ask that question, then it probably isn't. If they are actually providing a service and doing a service then its probably legal-but legal isn't always ethical. What does your gut say?

Oct 26, 2017 02:05 AM
Ron and Alexandra Seigel
Napa Consultants - Carpinteria, CA
Luxury Real Estate Branding, Marketing & Strategy


We would not do that.

Oct 25, 2017 09:13 PM
Debe Maxwell, CRS
Savvy + Company (704) 491-3310 - Charlotte, NC
The right Charlotte REALTOR!

I don't know about either the legality or if it is an ethical ad but, I surely hope that people don't fall for it! It's a free service offered by lenders.

I would consult the Florida REC to see if it is legal and ethical. Definitely let us know what you find out, Chris!

Oct 26, 2017 05:01 PM
Ryan Huggins - Thousand Oaks, CA - Thousand Oaks, CA
Residential Real Estate and Investment Properties

I'm pretty sure that's illegal in California.

Oct 26, 2017 01:02 PM
Susie Kay
Ultra Real Estate Dallas Fort Worth - Plano, TX
North Dallas Specialist

I'm not a lender so I always refer those to my lenders.  They don't charge a fee. 

Oct 26, 2017 10:19 AM
Kathleen Daniels, Probate & Trust Estate Specialist
KD Realty - 408.972.1822 - San Jose, CA
Probate Real Estate

I do not know.  That is not anything I would be involved with. 

Oct 26, 2017 08:14 AM
Bob Betel
Allstar Home Mortgage, Inc. - Sweetwater, TN
President, Allstar Home Mortgage, Inc

Interesting idea, coming from a Realtor. Why pay for something that any good LO will do for FREE? Personal consultant, reviews weekly, get your credit report from your mortgage guy, please stop, I'm laughing so much it hurts

Oct 26, 2017 06:45 AM
Richie Alan Naggar
people first...then business Ran Right Realty - Riverside, CA
agent & author

Advance fee activity has to be approved by the BRE as a rule. Agents would do well to tread lightly and walk softly on coming close to ethical regulations

Oct 26, 2017 06:38 AM
Alan May
Jameson Sotheby's International Realty - Evanston, IL
A moving experience!

If you agree to it, they can charge you whatever they want.  But I woudn't, if I were you.

Oct 26, 2017 06:36 AM
Kevin J. May
Florida Supreme Realty - Hobe Sound, FL
Serving the Treasure & Paradise Coasts of Florida

Endorsing a service that can readily be accomplished for free with a little guidance is not for me. I do not see this happening in our area. 

Oct 26, 2017 06:01 AM
Wayne Martin
Wayne M Martin - Chicago, IL
Real Estate Broker - Retired

Wow! Run people run!

Oct 26, 2017 05:43 AM
Joe Pryor
The Virtual Real Estate Team - Oklahoma City, OK
REALTOR® - Oklahoma Investment Properties

It doesn't seem right to me and think about it, you have credit issues and your real estate company wants to charge you $500 upfront? Isn't that a part of the reason you are in trouble?

Oct 26, 2017 05:33 AM
Nathan Gesner
American West Realty and Management - Cody, WY
Broker / Property Manager

I have no idea regarding the legality but I do know that I don't enjoy working with clients that have credit issues.

Oct 26, 2017 05:16 AM
Kris Collis, Associate Broker
Smart Way America Realty - East Stroudsburg, PA
Professional Results you Expect 570-801-5525

Chris, looks like SmartKeyProperties is out of business?  Website not valid.  The best credit repair is a mortgage broker who has a vested interest in helping buyer repair their credit.  They may get the loan if they enable buyer to do what's necessary to qualify.  Unfortunately potential buyers get talked into credit repair companies that charge a monthly fee but do little to nothing except keep that monthly fee coming in.  Stick to the lenders who know what it takes to qualify!

Apr 01, 2019 03:49 PM
Praful Thakkar
LAER Realty Partners - Andover, MA
Andover, MA: Andover Luxury Homes For Sale

I do not think so - just my opinion.

Jul 08, 2018 09:48 PM
Dave Martin (703) 585-4687
Fairfax Realty - Fairfax, VA
Making Realty Dreams a Reality #WeWillGetYouHome

I've seen brokerages that have all sorts of affilate marketing businesses.

Dec 16, 2017 06:10 AM
Inna Ivchenko
Barcode Properties - Encino, CA
Realtor® • GRI • HAFA • PSC Calabasas CA

Seems it is not really typical for FL, and would be very unusual for CA , since we can refer to someone who can help to with credit issues but we can not do both.

Oct 30, 2017 10:39 PM
Joe D'Agostino
NMLS# 729950 - Manahawkin, NJ
Mortgage Officer 46 years!

As I am not an attorney, I do not know if it's illegal, but as a Mortgage Banker with 48 years in the business, I would think it is highly unethical to collect any fee, for that purpose. I could make millions by doing this. I even helped a friend start his own credit reporting company, and I still would not do this. To me a real Professional in our Industry only cheapens themselves by doing this junk! Also, I am so happy to see that the over whelming majority of my fellow Active Rainer's feel the same as I. It's is so good to see.

Oct 30, 2017 08:20 AM
Joan Cox
House to Home, Inc. - Denver Real Estate - 720-231-6373 - Denver, CO
Denver Real Estate - Selling One Home at a Time

We do have a place in our Buyer Agency for hourly fees, but would never do this.   I would refer to a credit repair company.

Oct 29, 2017 07:40 AM
Will Hamm
Hamm Homes - Aurora, CO
"Where There's a Will, There's a Way!"

Never heard of that before

Oct 27, 2017 11:10 AM
Eve Alexander
Buyers Broker of Florida - Tampa, FL
Exclusively Representing ONLY Tampa Home Buyers

OK everyone...take a deep breath.

I read also includes "mortgage professionals".  So can they charge for helping someone clean up their credit?  Sure, why not?

Can they then refer them to a real estate agent who is chomping at the bit to turn a deal who promises them a $$$ rebate at closing?  Yes, they can.

UNFORTUNATELY...commission rebates are legal in Florida.  UGH...


Oct 27, 2017 03:04 AM
Kathleen Luiten
Resort and Second-Home Specialist - Princeville, HI
Kauai Luxury Ocean Home Sales

Not legal here.

Oct 27, 2017 01:37 AM
Diana Zaccaro Broker Associate
Tropical Beachside brokered by eXp - Cocoa Beach, FL
"The Accidental Blogger" Cocoa Beach, Florida

I'm on Cocoa Beach, about 70 miles from Altamonte Springs, and have never heard of them so did a quick google search and it appears to be a new company.

I took a cursory look at their website and it looks like they have two other for real estate and one for credit. If you haven't already read the FAQs, take a minute to do so, very enlightening. According to google they also have a FB page but I don't have time to stay with this.

Based upon what I saw so far, it does not appear they can do anything you can't do yourself at no charge.


Oct 26, 2017 08:06 PM
Debbie Reynolds, C21 Platinum Properties
Platinum Properties- (931)771-9070 - Clarksville, TN
The Dedicated Clarksville TN Realtor-(931)320-6730

Some people need credit repair services and I have always heard these services are costly. Many lenders will give similar advice for free to help someone get their finances in order to buy a home.

Oct 26, 2017 06:42 PM
Fred Griffin Florida Real Estate
Fred Griffin Real Estate - Tallahassee, FL
Licensed Florida Real Estate Broker

  What do we get for that $500?  What credentials, license, or experience do you have (Smart Key Properties)?  Are you practicing law without a license?  How will this help me buy a house?

Oct 26, 2017 04:53 PM
Michael J. Perry
KW Elite - Lancaster, PA
Lancaster, PA Relo Specialist

good question

Oct 26, 2017 02:09 PM
Olga Simoncelli
Veritas Prime, LLC dba Veritas Prime Real Estate - New Fairfield, CT
CONSULTANT, Real Estate Services & Risk Management

Does not sound legal for real estate people to do that.

Oct 26, 2017 01:52 PM
Gabe Sanders
Real Estate of Florida specializing in Martin County Residential Homes, Condos and Land Sales - Stuart, FL
Stuart Florida Real Estate

I don't think it's legal for a Realtor.  Not sure about others.

Oct 26, 2017 08:40 AM
Michael Setunsky
Woodbridge, VA
Your Commercial Real Estate Link to Northern VA

Chris Locke Brokers can charge an upfront retainer fee so this could be legal. Having said that, I believe anyone who charges an upfront fee for this type of service should be avoided.

Oct 26, 2017 07:41 AM
Scott Godzyk
Godzyk Real Estate Services - Manchester, NH
One of the Manchester NH's area Leading Agents

In what could be a poor choice and waste of money becuase a buyer can do all these things for free to improve their own credit

Oct 26, 2017 05:41 AM
Gita Bantwal
RE/MAX Centre Realtors - Warwick, PA
REALTOR,ABR,CRS,SRES,GRI - Bucks County & Philadel

I have not heard of anyone doing it.

Oct 26, 2017 05:27 AM
Tony and Suzanne Marriott, Associate Brokers
Serving the Greater Phoenix and Scottsdale Metropolitan Area - Scottsdale, AZ
Haven Express @ Keller Williams Arizona Realty

Parked and reading...

Oct 26, 2017 05:26 AM
Annette Lawrence , Palm Harbor, FL 727-420-4041
ReMax Realtec Group - Palm Harbor, FL
Making FLORIDA Real Estate EZ

Noting to do about nothing.

Smartkey is not a real estate brokerage but clearly IS a referral service, perhaps favoring subscribers just like ZILLOW. (according to the link provided)

They offer to apply the $500 fee to closing just like Redfin. (according to the link provided)

The have a minimal purchase just like Redfin. (according to the link provided)

Agents do pay more than $500 for referrals to other agents. That is unethical in my humble opinion.


Oct 26, 2017 05:03 AM