I can't believe this company calls themselves "Christian-based"! Like many people, being a victim of this horrible economy, I have found myself in a situation where I can't pay my rent, my bills. The pay-day loan companies have drowned me in so much debt, that every week my checking account has a negative balance. I came across the Badcredit-loans.Us and thought there may have been some hope to my getting out of the thick of things. After all, they say they can GUARANTEE that lenders will give you the money you need — with no credit checks. You have their promise on it! They can get you a minimum of three lenders for you to call and they (the lenders) can help you with obtaining a loan! They don't charge you a fee to provide the search, but charge you a small fee for you to see who may possibly lend you the money!
Well, I paid the $69 to search for the lenders who would help me with my poor credit. My credit went from good to very poor inside three months! To my surprise, the companies which they pulled up, I already applied to them and had either been turned down, or they say they can help if you haven't declared bankruptcy. The lenders also say that they can't give you a loan if your score is under 520.
When I went to read the refund policy, they basically say they won't give you one unless they can find you three lenders. So what do you do if you've already applied to the lenders!
I should have known better when I didn't see the contact information on the website. "A fool and his money are soon parted" is the saying that went through my head! Check out the BBB to see the info on this company! And file your report! I definitely will! Here's the link: http://goldengate. BBB.org/WWWRoot/Report. Aspx? Site=99&bbb=1116&firm=75329
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