vent for the personal loan and credit history

sequoias

sequoias

Active Member
Premium Member
Joined
Jun 4, 2004
Messages
22,242
Reaction score
19
I'm sick of those lying bullcrap and why do they state that they have loans to pay off my credit card debts and I'm only qualified less than what my debt is currently at. I did ask them for my credit score and they REFUSED to tell me and told me to pay the credit breau to find out that. WHY in the world do I have to pay for finding out my stupid credit history! I have the RIGHT to find out! Fuck those loans and all that lairs. They can shove those checkbooks up their ass!

(sorry it's my first vent in Alldeaf)

Thanks for listening.
 
Which one you check your credit card history/score during online or at office bank?.
 
Wow, sequioas, I'm sorry about what happen like that.

I got few issue at bank too, it was from loan but hopefully, you would work out with them.
 
Over the phone and online... I just got the word that I have to wait for the letter they sent in the mail and vertify my income and my address and mail it to them and hopefully get a good amount of loan with a reasonable interest rate. We'll see from there. It's debt conclosion (sp) loan (I think)
 
Yeah, some bank application have to pay charge fee. It was variable that don't require charge fee. I know how feel hate that some fee is too way much charged.
 
I didn't pay a charge fee for that. The only thing they told me that i have to call a credit breau and pay them to FIND out my credit history. I guess they don't do that over the phone for free. Is there a way to get free credit reporting (reputable) somewhere? Of course all of them online, I have to pay a fee to check my credit history.
 
It is hard to said cause I never experience use phone call and online. I usually walk in at office bank. try use google.com might change any luck find a good links>
 
dont use the phone and online, they can turn u down so fast, go to the bank they can help u out there seq shop around and find out so u can pay off ur debts and enjoy the life :)
 
javapride said:
dont use the phone and online, they can turn u down so fast, go to the bank they can help u out there seq shop around and find out so u can pay off ur debts and enjoy the life :)
Click to expand...

Depends on the special offers they have. ;) Ok, I guess I'll drive around and look for better offers in person which is much faster than online, I guess.
 
sequoias said:
I didn't pay a charge fee for that. The only thing they told me that i have to call a credit breau and pay them to FIND out my credit history. I guess they don't do that over the phone for free. Is there a way to get free credit reporting (reputable) somewhere? Of course all of them online, I have to pay a fee to check my credit history.
Click to expand...

My understanding is that you are allowed one free credit check per year.
 
Tousi said:
My understanding is that you are allowed one free credit check per year.
Click to expand...

Only one? That's lame, LOL. I heard that somewhere that they recommend you to check the credit history once every 6 months to be sure it's accurate and in good standing, etc.
 
sequoias, were you turned down for the loan? If so then you have a right to know why and you have a right to all three credit reports, especially if the company says they denied the loan based on what information is in the credit report(s)

A long time ago ran256 and I were denied a loan based on the number of dependents and some other wierd things. We got the credit reports and one of them had us listed with six children (we only have two) and some very strange bills that were not ours. Once the reports were corrected we had less problems.

Remember, the information on those things are entered by people and people make mistakes. Get your credit reports and really go over them.

We will be checking our credit reports a lot for a while - unfortunate but we are some of the state employees whos information was stolen in Ohio when a college intern in Columbus took a disk home and left it in his car and it was stolen - IDIOT!!. I think I posted it in here a few months ago - Aargh! How upsetting.
 
I was approved for the first loan and it wasn't enough to cover my debt I have and that was the personal loan...but right now it's debt colosation loan in the process. I am not willing to pay $$ for checking my credit history, I think it's silly. I hope that clears up for some of you that couldn't understand me.

I asked the banker over the phone for credit score and they refused to do that and asked me to go to a credit breau and pay for it to find my credit history.
 
sequoias said:
Depends on the special offers they have. ;) Ok, I guess I'll drive around and look for better offers in person which is much faster than online, I guess.
Click to expand...
and u won't be BSed around cuz if u use online u're setting urself up for a scam thats what happened to my sister she lost alot of money cuz of that and using phone scam too so use wisely in person is better then u can see straight in thier eyes if they are lying or not.
 
javapride said:
and u won't be BSed around cuz if u use online u're setting urself up for a scam thats what happened to my sister she lost alot of money cuz of that and using phone scam too so use wisely in person is better then u can see straight in thier eyes if they are lying or not.
Click to expand...

How is it possible it's a scam while it's a real bank that have chains around the US? Yeah, you have a good point and it's much quicker to see if I get approved or not and see how much I will qualify for...the bad thing...waste of gas to drive around many banks, lol.
 
javapride said:
and u won't be BSed around cuz if u use online u're setting urself up for a scam thats what happened to my sister she lost alot of money cuz of that and using phone scam too so use wisely in person is better then u can see straight in thier eyes if they are lying or not.
Click to expand...

How can you see straight in their eyes if they are lying or not? If they blink, do it means they are lying? If so, that is really retarded
 
sequoias said:
^^:laugh2: Blink means lying, hahahaha. I didn't think so.
Click to expand...

Yeah, it is so stupid, my friends do that to me sometimes, if they look straight at me in the eye and if I blink, they think I am lying, I always tell them that they are fucktards for thinking that! :crazy:
 
Yeah, I think lying usually means they don't say much or look around and not look straight at you. Not always the case, though. Some people are good at lying, though.
 
sequoias said:
Only one? That's lame, LOL. I heard that somewhere that they recommend you to check the credit history once every 6 months to be sure it's accurate and in good standing, etc.
Click to expand...

Tousi said:
My understanding is that you are allowed one free credit check per year.
Click to expand...


Have you try this one? Experian | Free Credit Report and Credit Score | Check Your Online Credit Report Today.


(Note: Don't forget that this website has a security webpage like "https" not "http" . If it is http without letter s for you to fill the form, then forget it.)


(debt colonisation loan)
 
Back
Top