I had perfect credit but went to this co to get lower interest and pay my cards off quicker. I never had a late pyt on any of my accounts. They said that the first pyt to them was for their fees but the very nice man told me not to worry, by the second month, everything would be up to date and no fees would be accrued. When my statements came, it showed that even though I payed them to day they were due, it took them months to send the payments. Thus, they were three months late and it could not be reversed. Within one month, my credit rating dropped 70 points because it now shows that I have delinquent accounts.
I had to borrow money to pay off the cards but for 7 years I 'm told, my credit history will say delinquent. I have been denied for ALL credit cards now, for an apartment rental and am up for a city position that looks highly on credit checks. I did everything right but because they farted around and payed three months late, my credit is ruined and I was told there is nothing I can do about it. The co said basically that they're not responsible for any negative credit effects you may get. EVEN though the man told me it would all correct itself after the first month, it was a lie. DO NOT GO ANYWHERE NEAR THIS COMPANY! Because I tried to help myself, I will pay for it for seven years. NOT a mistake I want anyone else to make!!!
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