I fell into the same deceptive trap as everyone else. A nice old lady called me and explained that I could benefit from their program by allowing them to send me a package with all these great coupons and a $2,000 unsecured loan, and they would restore my credit on my behalf for a measley $35.00/month. I was lured by the prospect of all these benefits, and went right along with it.
It took several weeks to get my package, and when I did I was sorely disappointed. Instead of this "guaranteed" $2,000 loan I got a folder filled with standard applications for credit to include Wells Fargo, Citibank, etc. Needless to say, they bold-faced lied to me over the phone, giving my hopes up that I might actually have some money to make last year's Christmas a little more special for someone.
Welp, so much for that. Thanks a lot TFS. You sure know how to kick em when they're down! I was still hopeful however that they might be able to help my credit situation.
After the first couple of phone calls and after I went and paid for a 3-in-one credit report and gave it to them, I never heard from them again. For the past 6 months I've left numerous emails and when they're voicemail box isn't full (Gee I wonder why?) I've left several messages for someone to contact me. Never heard from them again.
So then I called my bank (Bank of America) and explained this to them, and they went ahead and filed a claim, put a stop-payment on this company so they can't take any more money from me, and are currently investigating this company. These guys need a class-action suit against them for messing with so many lives. All in favor, say Aye!