Otha Lee A S.
Somewhat deceptive advertising
The mailer that they send, with faux credit card, contains about 80% information about getting a loan and only 20% about debt consolidation which is an entirely different animal; an animal that can do more harm to your credit score than simply being over on some credit cards. I was expecting to go through an online application, but I was asked to set up an appointment with a debt specialist (red-flag) over the phone. In the phone interview verified information on my credit report, answered some questions about my non-credit report expenses (i.e. rent, mortgage, utilities, food). After a brief hold, I was told that I was not eligible for any loan product and then the specialist started talking about other debt management solutions. I promptly and politely shut down that conversation, verified that a loan was not possible and then ended the call.