I applied on line at www.fhaloanapproval.com
to get a home loan. I was contacted by email from Chris Cuellar who asked for more information, (see below)
First email I received from Chris Cuellar and he listed his company as fhaloanapproval.com
I just left a message for you in regards to your mortgage inquiry. You should have received an e-mail from me shortly after you signed up. I will be able to help you out and all I will need is just a few minutes of your time to complete your
application & to see what I can do to help you out. Once I have the application complete, I can have results back within a few minutes. At that point, youll have a great feel as far as where you stand & what we can get done for you. Please call me back at your convenience so we can proceed. If you prefer e-mail, please complete the short application below. [continued below]....
..... All of my contact
information is at the bottom of this e-mail & I look forward to hearing back from you!
Ok so I sent him all my information and this was the 2nd email I received from him but now his company is B M Leanding
We have reviewed your loan application and it appears your credit score falls below the minimum mortgage guidelines. Don't
worry we have partnered with a company (MSI Credit Solutions) to help get your credit score raised to meet the minimum loan requirements. On average, MSI Credit Solutions will have your score raised and eligible for a home loan within 60 days. Please inform MSI you are a client of Proficio Mortgage Corporation. We appreciate the opportunity in assisting you with your mortgage loan and look forward to doing business with you in the near future. A MSI representative, will be contacting
you, shortly. If you need immediate assistance please call them directly at 866-217-9841 or visit them online at www.msicredit.com.
He states my credit is "below the minimum mortgage guidelines" Really the website stated I need a 620 my score is 657 hmmmm. So I went online and looked up MSI Credit Solutions and found out they have some very bad reviews. I then received 5 emails from MSI 3 of them from Ricardo Mendiola the first email stated he is the General Manager turns out he is the Owner. Because there are so many I will not place all the emails.(see email below)
First email fom Ricardo Mendiola
Subject: Thank you for Inquiring at MSI Credit
My name is Ricardo Mendiola and I am one of the Managers at MSI Credit Solutions. Thank you for your interest in our services. We are very excited to answer all of your questions and help you accomplish your goals. I hope that you had the opportunity to view the company's credentials on our website, www.msicredit.com .
One of our consultants will be contacting you soon. Should you need immediate assistance, you will find our contact information below.
Sincerely, The Team at MSI
First off I NEVER contacted MSI, so when I stated I was NOT interested in a credit repair company, that I only wanted a home loan and told Ricardo that I read MSI was a scam..... this was his responce (see email below).
Subject: Re: Thank you for Inquiring at MSI Credit Solutions
This is one client and you haven't heard the other side of the story. Let me ask you this? Has anyone ever ever said anything negative about you? Should I judge you if they have?
WOW ...Ok now he want to call judgement....and he jumped into attack mode real quick. He did judge me that's why I did'nt get the loan, one company said something 7 years ago, but whatever.
I informed him this started out as a loan request NOT a credit repair I only have 1 thing on my credit from 2005 and DID NOT WANT HIS HELP and if he didn't stop I would also write a rip off repot. This email gets better aperantly they have been in business for only 5 years and don't need my bussiness. Well then why should I click on the link below??
next email from Ricardo Mendiola
Subject: RE: Thank you for Inquiring at MSI Credit Solutions
You can do whatever you want, we dont need your business. We have been in business for 5 years and if we were out to screw people we wouldnt be in business. As a matter of fact we received an award from a very creditable source last year, please click on link below. Do whatever you wish you wont hurt us. Consumers know that you will always find negative stuff on any company that they are doing business with. You cant make everybody happy. As a matter of fact Rip off report will
laugh at you because you are not even a client of ours to be complaining on us.
I was required to offer you this service because the mortgage company you applied at was not able to qualify you. I will document your account that you refused this service and close your account. No biggie, I wish you luck with your credit and
please do not EVER call or contact us again.
Every day with Excellence,
The link he sent didn't even work (Surprised NOT) Required to offer me this service? I didn't want this service or to pay $700-$900 for a service that can be done for FREE. Close my account? There should of never even been an account open with them. Then he states "No biggie, I wish you luck with your credit and please do not EVER call or contact us again". I NEVER called or contacted them at all. I informed them from the start that I was NOT interrested and to stop contacting me. I had to send him another email explaining harrasment laws in Texas and I am sure this is not over yet. Please Please Please Do NOT get involved with these people. Make sure you contact a respective company. If he did this to me for not being a customer and in his words "SCREWED customers" for hundres even thousands of dollars he WILL do it to you. Don't be a victim stand up and say NO, tell others and togetther we will stop companies like this one from hurting others.
Oh and BTW
Below you will find the RIPOFF REPORT I found on this site. Because of them me and my family was not scammed and did not loose any money so we would like to say......Thank you Christian for your information it helped me and hope it helps others.
See original letter to Below.
MSI Credit Solutions Biggest Scam EVER.. ..They will steal your money!! Dallas Texas
*Consumer Comment: I fell for it and made it even worse!
Print this Report
MY husband and I were trying to buy our first home when we learned of MSI. I read th testimonials, and everything sounded great. So, we signed up with Rey Salomon. Rey told us everything that we wanted to hear. A very smooth talker. He told us that after we bagan the program we would start receiving letters from all of our creditors, receiving weekly phone call from him to let us know that status of our repair process, and every 30-45 days new credit reports with updated info. We paid the
fee. $975.00 for my husband and $775 for myself. The easiest way to put it is that Rey Salomon in full of LIES. We have never received anything. He told us that we would get a welcome packet in the mail with postage paid envelopes to
mail these letters, good thing we never got any. I never received this alleged welcome pack, even asking him to send it 4 times. Every time he said it would be here in 2 days. Rey also told us to go on and pay down the balances on our
credit cards, which we did, and not to have anymore late payments. I have contacted our mortgage company and all of the negative items are still there,
however; because WE paid our items down, our credit score has improved dramatically.
The customer service reps for MSI are equally as bad. I spoke to one named Chris and told him of all the problems we were having and before I could finish he hung up on me.
The reason that we received no letters is because Rey told us that the had our things going to a PO Box there in Dallas so they could receive the info faster. I asked the customer service rep about this PO BOX, he had never heard of such a thing. Atleast I got that out of him before I was hung up on.
So, The moral of the story is this:
Pay your bills on time and you will do more credit repair that MSI Credit can do. Do not let them steal your money as they have to many. DO NOT TRUST MSI CREDIT OR ANY OF THEIR EMPLOYEES. IT IS A SCAM.