Personal Credit Services ripoff is a scam and prays on people who need loans! East Islip New York

This company promises to get you approved for a personal loan despite your credit history. You pay a small up front fee based on the loan amount you are looking for. I was looking for $6,000 and had to pay $150 for the service.

Once you pay the fee you are emailed about 10 pages of differnent lenders. You are not pre-approved for anything. The lenders are numbered and then under each lender you are given about 50 different branches for that same lender based on your zip code. They do not tell you who you are calling. The company specifically tells you not to tell the lender that you used their service. That should have tipped me off. As I started calling I realized they provided all the big banks that I had already applied to. They provided banks like Washington Mutual which doesn't even do personal loans any more.

I then emailed the company asking for a refund becasue their service was a joke!! They said I needed to follow their return policy which is to apply to all 10 lenders and I have to get denied by ALL 10 lenders prior to receiving a full refund. I would also have to provide documentation proving that within 90 days and I had to send all of it at once. If I didnt' then I would be denied my refund. 10 inquiries on your credit report causes a negative profile not to mention the fact you are NOT getting what the company promised. After doing what they asked and risking my credit to get my money back I sent in all my documentation and they still denied my refund because of the intial email I had sent. Are you kidding? They are a bunch of scam artists and took my money to give me info I had already found on my own!!!! They said they can guarentee an approval and well my friend they can't!!! Don't use them!!!

Brittany
Foothill Ranch, California
U.S.A.