I can not believe this business, if thats what you call it.I shoud have stuck with my gut instinct, but my friend that worked here convinced me that this business had changed.
I have been trying to get a loan through evergreen since March 2007. I had a copy of mine and my husbands credit report and wanted them to use it when applting for the loan. My loan officer there JB said his boss Linda Patrick (owner) said they had to pull one from the company they use to use it for the loan. I called Linda myself and explained to her why I didn't want another credit report pulled, she then explained too me why they have to use there redit report agency, reluctenly I allowed them to pull it. Linda assured me this would only happen once through Evergreen and then again through the potential lender.
Well as Linda said thats how it went, they pulled it and the the potential lender. I found out that the applicastion that Evergreen submitted was typed wrong and denied, which too 3 months to do. Evergreen sent me 4 or 5 different documents for the loan and every single time they were incorrect. I even got someone elses loan doc e-mailed too me, what a freat privacy system they have. Evergreen also switched loan officers mid-stream without my permission (the new officer didn't evven like me).
I called and requested my file stay with the current loan officer as my privacy was important and I did not want to work with the other officer they switched me to, due to personal conflict. So, no loan as the 90% letter was issued in March and they never could pull it through.
There has been no communication is quite sometime until....I see they pulled another credit report on August 27, 2007 Without any written or verbal authorization.
I was fusrious to say the least as I made sure to express my concerns with Linda Patrick(back in March) about my credit being pulled and abused. Which is excatley what happened. I called for Linda after I found out about the report and said it was important that she return my call asap and she had JB the loan officer return my call. Now, Linda is the owner, why didn't she call me back herself when the message was for her, she passed the buck. I informed JB about the credit reports being pulled again and he told me he knew nothing about it and would get back to me once he knew what happened.
So a couple of days letter he wrote me an e-mail....."The loan processor pulled your report to keep the file active." This letter didn't start with my name or any appologies or any solutions to having it removed. I e-mailed him back and told him how mad I was and that I wanted a letter asap to all of the credit agencies on their behalf stating the mistake and removing the inquiry. No response, I also told them to shread all of my information as they run a shady business and do illegal actions all the time.
My friend did not work there long as she started to see what Evergreen was all about and didn't like the way they treat customers or deal with the customers paperwork. She has done nothing but say shes sorry for convincing me that Evergreen had changed. I have had 9 rental properties and 2 homes and all closed wiin 45 days.Evergreen filled out the application wrong and tried to blame me, which I have clear evidence they were the ones doing it worng. I don't know how these people stay in business.
I have an excellent credit rating, so I was an easy sell and they still couldn't get a loan as they said they could. The excuses were many, too many to list.
Stay away from this firm, they do not care about their customers and the needs they had.
I simply requested a letter to remove the inquiry that was done in error and they can't do that for meand I would have quitley walled away. (mad yes!!) Instead they would rather go the hard way...I plan on reaching every person I can regarding their business and make sure they are reported to the credit agencies for abuse of my credit report.
Wendye and Mark