I had a missed call from an 800 number on my phone today. Figured since I was applying for jobs and that I wanted to not miss any employment possibilities, I returned the call. I heard "USA Credit" when they answered and I figured I might be talking to a collection agency (since I have a few overdue bills) and then they started to tell that I have been qualified to receive $7500 in credit that would be reported to the "credit agencies" within 30 days of my account activation.
After giving them some information or verifying what they knew about me, I was transferred to another operator who went in for the kill. I gave them my bank routing number, but not the account information. This was to verify that i actually had a real bank. I then became suspicious that they were going to charge me. From what I see, most of you are quoting $149 and change and a $7000 credit line, which does not match what I was hearing. They quoted me $109 that could be taken out at a later date.
When I asked about pricing and that I needed to pay shipping, she would not give me any specific information. I asked to speak with a supervisor and then waited a few seconds. I was rebutted by telling me "Don't you want to improve your credit?"
I again asked for a supervisor and then started speaking to a man who was so vague, could not quote me any shipping charges for a typical order or even pricing. When I tried to pin him down to prices of the products or brand names (they quoted Sears, JC Penny's and Wal-Mart as stores that they had items could buy from) he was not able to tell me if I could get Tide or Sony products from his website.
Since I was on the road, I could not write anything down, nor did I want to give up anymore details, I told him I would look at the website, but it took me a while to find it, since I barely remembered the name. I finally did a google search and saw more info to the negative than their official website.
If it sounds too good to be true, it usually is. I'm glad that I was not ripped off, but other things have been attached to bank accounts or credit cards in the past and I have lost thousands, but now I am more protective. My one saving grace is that I don't use my legal name anymore on the internet. So if they are seeking true information and my pseudonym does not match their database I know they received my information from a viable source. When someone contacts me unsolicited, like others have claimed from a payday loan or some other way that I have not pursued knowingly, I become skeptical.
Much luck to those of you that were taken advantage of in this way. I hope my post will lend itself to other BEFORE something happens to them as well. Thanks for reading.