Smart Money CapitalReviews of smartmoneycapital.com

I'm giving 2 stars because although I decided not to go through with it, this might work for someone who is behind with their payments and really struggling to keep up with their debt. I would just caution about giving sensitive personal and banking information on a recorded line for "verification" purposes. As for my experience, to begin with, I do not like talking with someone using a script. I guess it makes sense that he must go over certain points on a recorded line to protect the company from people claiming ignorance to the process when their expectations are not met. However I couldn't get a straight answer at first about whether they can offer an unsecured personal loan as the advertisement I received in the mail alluded to. It is my personal opinion that it was a lure to get my information and offer me the services of their "trusted" partner, a company called Cordoba. Another red flag I ignored was that the agent I was working with made a point, at least twice in our conversation to mention a client he claimed was a "judge" that had a great experience and the services offered helped that person greatly. I'm not impressed, for all I care it could have been someone who judged food contests, whatever. It is my experience when someone tries to impress you with who they know, they are trying to sell a baloney sandwich and say it's caviar. Now here is the most disturbing and egregious practice in my whole interaction, they expect you to give your personal information including social security number, bank account and routing number ON THE RECORDED LINE. Honestly, I feel like a fool going along with it because I know better but now I have a fraud alert with the credit companies and closed that bank account just as a precaution. Also I suspect the agent/representative I spoke with straight lied to me this morning when he said they already spoke to my creditors last night and that they were already working with them. This was an obvious reach to get me to reconsider canceling. All of this has left an unsettled feeling about doing any business with this company and I am glad that I cancelled. The cancelation process was not easy, I had to call customer service and waited on the phone a while. When I spoke with that representative it was like breaking up with a needy boyfriend that just "wants what's best for you" and he knows what's best even if you don't - that was definitely the vibe. But I received email confirmation that day of the cancelation and I am hopeful that's the end of this transaction.

Smart money personal explained some good things about their program but switching over to different company that was not smart money capital, to cordova. Other company ask you so switch banks, switch personal contact info to theirs and hope something is worked out among them. Very sketchy experience, by the way not a government program.