Best Egg myBestegg.com Deception Wilmington Delaware

It only becomes a hard inquiry after you accept the terms of the loan, and are funded the money.

You said that it says that it's a hard hit in the fine print. Please show me. That's all I'm asking. I am arguing that you can't because it's not true. What is someone who says something that isn't true if not a liar?

 I never said anything about a hard hit versus soft hit. It appears to me that your on a discredit campaign to save face of your company. All I know is your company sent me a pre approved rate, denied the loan, and told me on the phone that my rating would go lower because of the inquiry which it did. Not by much, but it did. I just want other consumers to be aware of this issue. Hard versus soft doesn't interest me. Fact is, participating in your loan application procedures results in lowering of an individuals credit rating which all consumers should be aware of. I wish you stop lying about me saying it is a hard inquiry. Fact is your procedures results in the lowering of an individuals credit rating. I know because you did it to me. Stop trying to cover up your deceptive practices. All I would like to see from you is a change in wording indicating that there may be a drop in your credit score on initiating loan procedures. (((REDACTED)))

 Sir I'm not denying that it is a soft pull on establishing the rate. But after the consumer approves the rate to see if they are accepted for the loan is when their credit can be affected. That is what happened to me. This is not false information. I don't understand why you are attacking my character. All I'm saying is that statement should be removed from your advertisement because in the end it may affect your credit rating. I guess there may be some rotten eggs among the best eggs.

That is absolutely fine that you would not reccommend it to to others. Not everyone has a pleasant experience with every business, that is to be expected, but you're spreading false information, which isn't okay.

It is a soft pull, which you claim to be false, but you have absolutely no evidence to support that claim while there is mountains of evidence to support the face that it is a soft pull. Best Egg is accredited with an A+ Rating with the BBB and makes it very clear that it is not a hard inquiry.

Like I said, if you can find that fine print that you claim exists, which states that it is indeed a hard inquiry, I'll certainly retract all of my statements and issue you the most sincere apology. I wont be holding my breath.

 Don't know why you have to resort to calling me a liar. I'm just revealing my experience I had with this company and would never recommend it to anyone. I'm sure others had a positive experience. Learn from your mistakes and it will make you a better company. Take this as constructive criticism. Thanks for responding. There will be no further rebuttals since my point has been made. Good day to you sir. Rick from West Chester.

"All I'm saying is...."

No, what you were saying was that Best Egg runs a hard inquiry on your credit when that is false, which I have shown you.

Feel free to keep your post up and look like a liar, I don't really care. I just wanted to make sure no one fell for the false information that you provided.

Have a good one.

Best Egg gave me a loan rate, denied the loan, and the representative himself told me the inquiry hurt my credit score which it did. All I'm saying is don't pre-approved someone for a loan only to deny them and lower their credit score in the process. Bad business.

It is very interesting to me that you say that. I just got done reviewing the website, fine print and all, for the hundredth time and the only mention of what kind of pull they apply to your credit is as follows;

"

We use information provided by credit bureaus, including your credit score, outstanding debt, payments history, and recent activity, to identify potential borrowers, and we send pre-approved loan offers based on those criteria.

When you check your rates, we ask for other important information, such as income and employment status. Because several weeks pass between the pre-screening process and the application, we also request updated information from the credit bureaus in the form of a “soft” credit inquiry.

Both sets of information are used to determine if we have rates available for a customer."

And if you mouse over the underlined phrase on the website it says "A soft inquiry does not affect your credit score. This is the same method used when you check your own credit score"

So if you found some conflicting information that I'm missing, please point it out to me.

 I did do my homework. It is explained on the website in the smallest font the naked eye can see. Legally they have themselves covered. However, deception is present. No malicious intent just making other consumers aware of what is difficult to notice. Rick of West Chester PA.

Hello, I would just like to make it absolutely clear that your credit will not be hurt by checking your rate with Best Egg. It is a soft pull as opposed to a hard inquiry and it does not become a hard inquiry until you accept the offer if you decide to do so. This is all explained on the website. Best Egg currently has an A+ rating with the BBB and is an incredibly legitimate lending service.

Please stop spreading misinformation, whether it comes from ignorance or malicious intent, you should do your research before slinging mud and lies.