Personal Credit Services claims that the lenders they recommend will be able to get an unsecured personal loan for a person with bad credit. They do what they say in that they get you a list of ten legitimate lenders.
I was applying for $2500 and paid $100 for this list. They do not do the "footwork" for you. You will have to call the lenders yourself. I got a list of four credit card providers and six banks. I am not able to apply for credit cards according to the provisions of The Freedom Point, which is the debt reduction counselor with whom I'm working to pay off past credit card bills.
Personal Credit Services claims that if you are unable to obtain the amount you need, you will get your money back. This is true, but there are provisions. If none of the creditors will touch you, then you are entitled to a refund of your finders' fee with documentation. In my case, I was able to find a lender that would give me $1000. This loan required me using my car for collateral. Thus the loan is not unsecured. I believe that your credit would have to be at least "fair" to qualify for an unsecured loan. If your credit is "bad," like mine unfortunately is, I would suggest holding onto your $100. If your credit is fair, you might have better luck.
Personal Credit Services rates as not a scam, but I found their initial claims misleading. If you have bad credit, you will likely NOT be able to get an unsecured personal loan through the sources they provide.
I was applying for $2500 and paid $100 for this list. They do not do the "footwork" for you. You will have to call the lenders yourself. I got a list of four credit card providers and six banks. I am not able to apply for credit cards according to the provisions of The Freedom Point, which is the debt reduction counselor with whom I'm working to pay off past credit card bills.
Personal Credit Services claims that if you are unable to obtain the amount you need, you will get your money back. This is true, but there are provisions. If none of the creditors will touch you, then you are entitled to a refund of your finders' fee with documentation. In my case, I was able to find a lender that would give me $1000. This loan required me using my car for collateral. Thus the loan is not unsecured. I believe that your credit would have to be at least "fair" to qualify for an unsecured loan. If your credit is "bad," like mine unfortunately is, I would suggest holding onto your $100. If your credit is fair, you might have better luck.
Personal Credit Services rates as not a scam, but I found their initial claims misleading. If you have bad credit, you will likely NOT be able to get an unsecured personal loan through the sources they provide.
