Financing Alternative ripoff promised a good credit report, a computer after 3months of payment, customer serv. no. can't be contacted, and your own money can't be refunded once you decide to cancel or terminate their service Chesapeake Virginia

We migrated here this year and found out that you need to have a credit history for you to have what you want thru credit. Seems having one needs a credit card and having a credit card needs a good credit history.

I was lured to the commercial they have on TV that they can fix your credit and they report to major credit bureau the transactions that they have. So I called the number posted on the screen and was told the same thing by the operator, gave my information and they set me up for they're first collection. Even though I was having a hard time complying with the payment I tried to meet the deadline with precision at 91.89 every 2 weeks (Presently I made 13 equal payments) for fear that missing a payment would cause me to damage my credit report as they have so expressed by saying that they report too, but whoalah!

When I had the time to access my credit report through Equifax I was shocked to see no Financing Alternative that was reporting and I have a ghost credit report because I was not reported in any way. And when I contacted them (when it was not yet too hard to get in touched with them and the waiting time was less than 20 mins.) how many times I lost tracked about cancelling the service and ask for a complete refund.

They said that I won't be able to refund my money! And to make matters worst, after paying for 3 straight months(which started last May 2004) till as of this time of filing this ripoff report I have not recieved the laptop computer that I was supposed to recieved! And to make it a nightmare is that the bank won't be able to help you recover your money!

ALL I WANT TO DO IS ASK FOR MY MONEY THAT I PRACTICALLY GAVE FOR A SERVICE THAT I NEVER USED OR BENEFITTED FROM! Beware of this scam, they will prey on those who does not have good credit, or no credit at all!

Jose
madera, California
U.S.A.