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MSCLOUD · Posted: Fri Sep 02, 2005 7:38 am Subject: Personal Credit Services

Has anyone ever heard of Personal Credit Services based out of New York?

Posted: Fri Sep 02, 2005 8:05 am Subject:

I can't seem to find anything reputable on Personal Credit Services; this likely means that they are yet another of the thousands of "credit" companies trying to scam money out of people.
Are they harassing you for debt that you didn't accumulate? If so, dont' send Personal Credit Services money unless they can validate it in writing!

MSCLOUD · Posted: Fri Sep 02, 2005 8:28 am Subject: PERSONAL CREDIT SERVICES

Personal Credit Services is a loan company but they are requesting money from me and then they will send me a list of loan companies that will help me get a loan. They requested $125.00 and I checked the BBB website and they are registered but I'm still skeptical about sending them this money because I don't know of anyone that has actually dealt with Personal Credit Services.

Posted: Fri Sep 02, 2005 8:42 am Subject:

Is it like a payday loan? I wouldn't trust getting a loan from anyone other than your bank...mainly because these outside companies charge very high interest, have hidden fees, and eventually become more of a pain than it's worth. If you can avoid it, please try to do so!

MSCLOUD · Posted: Fri Sep 02, 2005 8:48 am Subject: Personal Credit Services

No it's not a payday loan company and Personal Credit Services did tell me upfront that the interest rate may be about 14% due to my credit history. I have tried to get a loan through my bank but have been unsuccessful because my credit history is bad. Do you know of any places besides payday loan companies that I will be able to obtain a loan with a bad credit history?

Posted: Fri Sep 02, 2005 8:52 am Subject:

It's hard to tell what loan companies are legit and which ones are scammers. If the people you have spoken to in this case have been helpful, friendly, and within the US, you can give it a shot. Just remember that you're walking on glass with loan companies...read ANY contracts they give you. Ask them questions, be suspicious. If there is any chance of the interest going up, don't do it. Just make sure you have all of the details. If they still seem ok, go ahead and get a loan with them. But only take what you are able to pay back!

MSCLOUD · Posted: Fri Sep 02, 2005 8:57 am Subject: Personal Credit Services

Thank you for all of your advice, I do appreciate it!

Posted: Fri Sep 02, 2005 11:25 am Subject: Personal Credit Services

Hi MSCLOUD,
If you decide to apply with this company, would you please let me know how it goes? I am also looking for a legitimate loan company. Thanks very much.

Posted: Fri Sep 02, 2005 6:08 pm Subject:

I would be very skeptical of Personal Credit Services. They have an unsatisfactory record with the BBB. As Lindsey said, carefully look over the documents received. Make sure they are legal documents. Another thing to question, is the fact that they do not provide loans in North Dakota. Please be very careful when dealing with loan companies. What is the 125.oo fee for?

MSCLOUD · Posted: Fri Sep 02, 2005 7:01 pm Subject: Personal Credit Services

I was told that the $125.00 fee is a fee that is paid so that they can provide you with a list of companies that will gurantee you approval of the loan that you apply for. I have not paid them any money I've been doing a lot of research on them and I continue to flood them with e-mail questions and they have been pretty quick about responding to all of my questions. I'm still researching but if I do decide to go with this company then I will post the experience I had with them.

Posted: Fri Sep 02, 2005 9:25 pm Subject:

That does sound a bit far-fetched though. After all the scams that are out there, I am skeptical of everything that I hear. I wish you luck if you do decide to go through with it.

Ninjacadden · Posted: Tue Sep 27, 2005 9:07 am Subject: personall credit services

I just payed that 125 dollar fee for personnal credit services. The fee changes based on how much you want to borrow the lower you want to borrow the lower the fee. My bank shows (because I used my visa debit card) the fee has taken place but then only thing i have gotten so far is a letter saying thank you and that I should recieve an email pretty soon usually within 24 hrs. I did this sunday afternoon

Posted: Tue Sep 27, 2005 10:50 am Subject:

Hi Ninjacadden

Do you wish to pass on this message to Personal Credit Services?

I believe that if you contact their customer care cell, it will be pretty fast.

Regards
Roxette

ninjacadden · Posted: Tue Sep 27, 2005 11:10 am Subject: Personal Credit Services

Ok so how do i contact them besides on that email page on their website

Posted: Tue Sep 27, 2005 11:28 am Subject:

Hi ninjacadden

Do you have any specific information to locate them? I have this number if you can try to speak to the representative:

Regards
Roxette

Personal information removed - Mike

ninjacadden · Posted: Tue Sep 27, 2005 12:01 pm Subject: personal credit services

No all i had was an email address but i will call these numbers asap. Have you done this before or somthing?

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