Open Road Lending Nothing more than a way to ding your credit Internet

The problem is when we send you a pre-approved letter, its based on your credit information only. We don't know things like your income or collateral infomraton. That info is listed on the back of the letter and spells out very clearly what the guidelines are that we can allow. Unfortunately in your case, based on the information you provided, you do not meet those minimum requirements. 

 Thanks "Jim" for your useless response. Clearly reading is not your forte. My denial had nothing to do with my supposed "failure to pay my bills on time". Please troll elsewhere. I'm sure there are plenty of other sites where you can flex your internet muscles.

 If you don't like the FACT you are being denied credit, then perhaps you should have paid your bills on time! Secondly, failing to read what you have agreed to before you agreed to it is also entirely YOUR FAULT!

I filed a complaint with the BBB on OpenRoad Lending.  Their response was "you gave us permission to share your information with our partners".  Based on the buried fine print, that is true. However, the fine print does not say that these "partners" will also make hard inquiries on your credit report.  My score fell 15 points after this ordeal and nothing has changed other than dealing with this company.  I will continue to raise awarness of their shady practices to warn others off of this sham company.