This company is a scam. They claim to have a satisfaction guarantee, but they don't.
They claim there are no upfront fees, yet before they can "help" you, they asked for a $398 fee to process your application and assess your credit worthiness. They then come back with a "risk profile summary" which in itself is not a bad thing, but the $398 should pay for it.
They tell you what needs to be addressed on your credit report to "optimize" your credit, and offer to perform the service for $2500. They cannot or will not tell you how much it will improve your score, but they tell you there is a money back guarantee that you will get a loan offer. When asked if they will guarantee the loan will be for a certain amount, they will not guarantee it. What if you pay $2500 for this service, and get a loan offer for $1,000? They consider that a success, and you will owe them 5% of the $1,000 on top of everything else you have paid.
We opted to not pay the $2,500 to "optimize", and in fact decided we would not even apply, as we had just been turned down by M&I Bank due to "excessive obligations relative to income". Because we did not apply, RBSL states we owe them $10,000 (5% of the $200,000 we said we needed on our initial application). Oh, but wait! They sympathize with us, and will reduce that fee to $2,500. SCAM! Run from it; I am turning them in to the UTAH and ARIZONA Attorney General's office.
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