Personal Credit Services - Is it a scam?

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!

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.

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!

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?

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!

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

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.

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?

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.

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.

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

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

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

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

[color=DarkRed]Personal information removed - Mike[/color]

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

What is the email address from where the mail was sent to you?

Except for their email address, nothing is listed in their website. I tried various ways to search for their phone number, but they have not listed it online.

I don't think there might be any other way to contact them except sending email

I belive Personal Credit Service is one of those sites that charge you a fee,and then give you a list of loan companies that you could easily find your self on the internet.You still have to apply yourself and may still get turned down.This is a form of scamming,they guantee a loan,but payday loans are on the list they give you,so they you cant say that you did not get any offers.These sites are all over the place.Let us know when you get the list,what companies they list for your.

PERSONAL CREDIT SERVICES INC.,
321 Dante Court (Suite #A1)
Holbrook, New York 11741
Phone:(631) 930-6422 or (800) 364-9690
Fax:(631) 981-2599 or (800) 664-3390

[color=red][size=2][Link made inactive as per forum rules-Vikas][/size][/color]

ninjacadden did you get a approved for any loans?

Ninjacadden was charged $125 for using her debit card from Personal Credit services. They were supposed to send a mail but might not have received it yet.

i was wondering if this is a scam or not because i was thinking of doing it but i'm not sure anymore.thanks for any info. you can give me.

Hi G

If you have not sent any money to Personal Credit Service, please refrain from doing any business with them.

Personal Credit Service is scamming people who have applied for the loan amount. They are tough to be located physically so you need to be careful on this note.

This is the wors't scam I have encountered so far. I waited 'till the very end to finally hire these people. I sent them $300 & what I got in return was creditors that I had already applied with. Am I an idiot? Of course I already applied to these people.

Hi Linda,

Welcome to the forums.

I try to pass this word as much as possible. No legitimate loan company will ask for money upfront. Sending $300 as upfront to them or any other loan company is a bad decision. As you have learnt from the past, hopefully you will not make this mistake again and do some proper researches on loan companies before entering into any agreement.

Regards
Roxette

I was thinking about it and I'm glad that I didn't. Thanks everyone.

They said they are members of the united states chamber of commerce and when I contacted them thy said they are not a member. USCC told me to contact the Better Business Bereau & I did. The phone number is correct but the address is totally different although they are in NY but not the city they listed. BBB said there are 23 complaints against these services and the company would not resspond back to any of the complaints. Its a scam. DON'T APPLY!!!

I would like to thank all of you for your advise about this company. I was about to make a very big mistake.

i am glad i did some research on this i almost made the same mistake. thanks ya'll

I just recently applied ($150.00 & 8 days ago) no list yet! Will the list ever come and if not are the refunds coming anytime soon?

Yakita, Personal Credit services is a rip off. Perhaps, it is doubtful that you will get your refund but you must file your complaint at the local AG's office as well as the FTC and the BBB. They must have received similar complaints against this company and maybe in a situation to take some legal actions. You also need to include your complaints for investigation.

thank you all so very much. i am desperate for a loan. i was getting ready to send these people money. you have saved me wasting the money i have on a scam. thank you again. god bless

I almost applied Im glad I didnt......

I googled this company and found nothing but this forum. Thank God I read all of this. I was about to send them $.

I am so glad I found this site, I was in the process of sending them money for a loan. I am glad I did not send it and researched it first, it is too bad that people are out there scamming people out their money.
Thanks so much for posting your experiences.

It feels good to know that people are finding this forum and it is saving them from making the mistake of sending money to these scam companies! Congratulations!

They got me for $175. I feel like a fool.I have copied all my Email from them and am filing with the better business buruea, Dept of Comsumer Affairs and anyone else I can think of. I,ve Emailed everyone in my address book, warning them and I suggest you do the same and maybe we can get the word out on these crooks!

i too was thinking of doing this and now have thought better of it let me know how things turn out good luck

they are a scam. i sent 150 and all i got was
numbers of lenders who i already know and have turn me down. they should be shut down

ok glad I googled these people. Something was telling me they weren't legit.

THANKS! This forum saved my life-LITERALLY! I am about to go downrange into War and was hoping to pay off $5k in odd debts NOW in case I don't come home. Ken

Ken. I am glad also you found this forum. I know it must be a relief not to get scammed. God Bless You and Return Home Safe.!!!!!! KYSIDE38

i was strongly considering sending this company the money for the lender names. i did a search and found this site and i'm so glad. it struck me odd that they don't have any phone support. you would think that any reputable company would want to make sure they were available for their clients. people should not be allowed to get away with this. it sucks to try to figure out how to catch up on bills and have christmas and everything else but it would have sucked worse if i had paid them money i don't have for nothing!! thanks to everyone who took the time to research them and post!

Unfortunately I was scammed as well. I was looking for a personal loan to consolidate my debt. they sent a list of lenders, however none of them would approve me for the full amount i requested. Personal Credit Services says they cannot offer me a refund since i was offered loans from several banks...kinda defeats the purpose of consolidating though! Does anyone know if filing a dispute with the credit card I used to pay for Personal Credit Services will get me anywhere?

Thanks!

Greetings MSCLOUD, NINJACADDEN, and ROXETTE. I'm following up your conversation on the legitemacy re: personal credit services. I'm thinking about using their serves and was wondering if your experiences were okay. Please help me out.

Thank God that i found this forum as well. I was just about to send them $100 as well. I am desparate for a loan and I don't want another payday loan, I just can not afford it. I'm only looking to borrow from $1500-$2100. Do anyone know of some places to go with good approval rates. I don't think my credit is bad but my score is low from inquiries and i have a high debt to ratio. I'm glad we are finding out about these scamming sites, but has anyone found anything legit other than the normal companies that have already denied most of us.(citifinancial, american general finance, etc.) PLEASE HELP! Anyone know of anything, email me ASAP as

email address removed as per forum rules - Mike

Thanks for the info, I too found myself needing help and applied but did not send money, thanks for saving what I have

I am so glad I found this forum. I was also just about to send them some money! If anyone knows a lending co. with a high approval rate would you please let me know? Thank you and Happy Holidays!

i had gottton all the information on them, and even try'd to contact them and nothing. i beleive this is a scam.

I am glad i read this forum. I was just getting ready to send my money today, but i found this forum. Thank god. Don't do it, its a scam.