I was contacted by unsecured loan source who told me I was prequalified for a $25,000 unsecured personal loan and the lady I spoke with said that she was going to contact lenders and see if anyone would "bite" and she would call me back within an hour. Sure enough she called me back, but she called my work number which I had not previously given her.
She said that she had recieved 2 offers. One was for 14,000 and one was for 9,0000. She said, "this is great news, you can take both loans and be right at $25,000", but of course there was a catch. She said that the lenders made a condition that I reparied my credit some before they actually funded the loans.
The lady said I had a couple of options for this. She said I could file bankruptcy but that took a long time, She said I could work on it and dispute the items on my credit report on my own, or, I could use this program through credit one total and they had a credit repair program that gave results in 30 days max. She said that it could be as little as 2 weeks or up to 30 days but that they could remove items from your credit report including negative items, foreclosures, bankruptcies, inquiries, etc that other places cannot do.
Then she told me how she did the program before she started working there and it raised her credit score over 100 points in just 30 days. She said that normally the program costs $1900 but that they would do it for me for $492. I told the lady that I could not do it. I didn't have $492 to spend on something like that and thanked her. Well then she said that they could refund the $492 after I was approved for the loans. I again told her I could not do it but thank you. Then within about an hour I recieved an email and it said to sign the documents and fax them back.
I read through the documents and it was an agreement with credit one total to do the credit repair program. I then looked at my bank account information and the $492 had been withdrawn from my account.
I filed a disputed charge with my bank and they are currently still investigating the problem and I also tried calling unsecured loan source and credit one total. I got someone on the phone and they said that they would pass my information on to their supervisor to process my refund and that was on 10/12. It is not 10/17.
Since then, when I did not hear back from them, I have been emailing them daily asking for the progress or if the money was going to be refunded. They have not responded and I have even tried calling them and now they are not answering my calls. I leave messages but never get a return call back.
I think this is very bad business practice especially if they are a legitimate business. It makes me very upset that they have done this to me and now they will not give me any answers or even contact me.
Please be aware of this company and do not use them!! I feel like they are a scam!!