Personal Credit Services - Is it a scam?

I just made a big, big mistake with a company called Trustmark Financial Corp based in New York - 99 church street, New York, New York 10007. I applied for a $5000 loan and was told that I had been approved. I spoke with a loan consultant and everything - up until I sent them money. Because I had no collateral, I took the option of obtaining 'insurance' in case I was unable to repay the loan due to loss of job, disability, etc. They emailed me paperwork to sign and fax back but I have not received any money yet. Of the four weeks I have called I managed to speak to someone three times, each time getting a response that they would call me back. I can't believe I was so stupid to do this. I had a friend in New York check them out for me. The company exists and is located at the address listed on their website. My friend also was able to find out that this company collects money from people but never come through with the loans. Just wanted to warn anyone who may be thinking of applying with this company as well.

Has anyone actually went through the whole process with Personal Credit Services out of New York and received a loan? I dont want to pay the fee if this is a scam.

we have also been contacted by this company. i have researced this company also threw bbb. i have received several e-mails from them. i have gone thre the federal trade commission to see if they were part of a federal law suit. i even asked for references from other clients that i coulkd e-mail or call to see if the actual recieve a loan. do understand that they are not a lender, but provide so-called lenders that help people with low or bad credit scores. if you have already tried them please let me know. have a blessed day

from reading all of your replies i thank you for my family sake. husband wanted me to send the money. knowing that we might not have a home in a couple of weeks i said no. that money will allow us to say in a hotel for 3nights

i have sent personel credit services all the information i have found about them. they still have not respond back to me. they are the biggest ripoff company that i have encounter. they have a voice mail but ask you to refer to their web-site. when i find some companies that will help people like us with low credit scores i will be sure to send it to everyone. on the other hand if anyone knows a reiable company that we can go to please inform me.

PCS is a scam of a company. They take your money and refer you to banks such as B of A and other big banks who would NOT lend to those with bad or not so good credit. DO NOT GIVE MONEY TO THIS COMPANY. YOU WILL NOT RECEIVE YOUR FEE BACK! :evil:

got some bs letter saying i didnt provide them information, lucky for me i saved my denials through email and they still wont answer.... frick!

I am considering going through personal credit services anyone out there have success at getting a lender. Are they legit

Anyone can suggest a legit lending firm for those with poor credit

I am sorry for those of you who were scammed, but thank you for passing on this information.

Be advised...if your credit is that bad...no one in America today is going to loan you any money, except those people that will break things if you miss a payment. All that is happening is that you are giving your money away and may or maynot get names of lenders, who have alreday turned you down. It is a scam.

I would not recommend Personal Credit Services to any one to use. I asked many questions before deciding to pay them a one hundred dollar fee to get the list of lenders. The list is just banks such as Wells Fargo and Bank of America. Places where there is not a chance for you to get a loan if you have bad credit. The list is just a list that you could find if you did your own search. They are not lenders that deal specifically with people with bad credit. I found out in the first 20 minutes that I could not get a loan from any of them, but in order to get the refund, you have to wait for all the denial letters to come in and then you have to mail them to the company. It is also impossible to apply at some of the places over the phone and also to apply if you do not have an account with the bank. Personal Credit Services is nothing but a rip off. Save the fee you would pay to them and pay a bill. I wish I had. Hope this helps just one person.

Thank you so much for confirming my doubts. I was really considering sending $$ to this company and now I'm not. God Bless you all!!

You can not get a live person they do not offer that service at this time is what they advise, that makes me very scared. What is a person to do with really bad credit and find themselves in need of cash and the your bank will not approve you?

Does anyone know of any companies that help people who are over extended with poor credit? this company sounds shady. thanks

You're better off applying for a loan at Prosper.com than a scam like PCS or a payday loan. At prosper, it takes some time but if you fight hard enough, you'll more likely to get the money you need.

I've heard of Prosper.com. Actually.I tried to get a loan from them. Right off the bat, an e-mail was sent to me, "because I have poor credit, a 'fee' will be involved." I don't know if they meant an application fee OR a so-much-of a fee ( depending on how much I wanted to barrow, etc. Right off the bat, it REALLY put up a 'Red Flag', when they asked for a fee.

Thank god I found this site, I was going to deal with these people. I have but one question? How could a business like that, deal in the US, legally?

I had friends "recommend" Prosper.com, to me. However, they have better credit than I do. When you get onto the Prosper website, lookover the website VERY carefully. There are so many 'limitations' to barrowing money. SOOO many, of these comapnies, are just out to scam people. Especially..if people are 'at their lowest'.

I filled out the application for Personal Credit Services. They sent me an email regarding a fee. I am skeptical about sending it. There is no guarentee you will get a loan. It does not sound promising, especially with many lenders. It sounds like a scam. You can't trust anyone over the internet.

I was just wondering if anyone has anymore information on this company, if anyone has paid a fee and has gotten any luck from personal credit services??? Any help would be appreciated

i dont understand why all the commotion?..
i applied for a loan, paid the early bird fee of 250 and received my check in less than a week, rather small, but its ok, 5,000 dollars. i personally recommend them. give them a chance. no scam at all. if any questions, feel free to email me at [email]youjustgotpunkd@yahoo.com[/email]

I started looking them up in the New York State and United States chamber of commerce where they said they were listed and could not find them. Thank you, you just saved me my application fee :evil:

I was one second from sending my money but I googled Personal Credit Service and received numerous negative report about them. I went through the whole process and was about to finish the final step when I decide to investigate the situation. I really needed that money too. ooh well I guess I have to find another way. :twisted:

I don't know if this is the same co.or not it is called personal credit service,pcs.com I was stupid to give them money, when I filled out a applacatio with this loan co, ( one of many to choose from) It never got sent, a pop up prevented me from sending it, I called the loan co that I sent the application to, they never herd of this co. now I cannot get in touch with them, they said if I did not get a loan, they would refund part of my money back.I feel so stupid and taken advandage of,these people need to be stoped from takeing peoples money, and it is from people who can't afford it the most.

Yep...SHORTY, sounds like the same company to me, too. They ask e-mail you with several websites addresses that is willing to 'loan' you money. Then they ask you for a fee, depending on how much you want. The 'Eraly Bird Special' ( they decribe) gives you some kind of 'special discount', if you apply early. Is that the one you're thinking about?

I ahve sent them e-mails as well asking if they were a reputable company? and why is that no one answers the phone when you call. This seems like a scam to me. I wouldn't trust it. I think it is best that we continue to do our research on them. it's strange that when you asks questions about being reputable they do not respond. This is probably some enty warehouse with answering machine connected to it and some person sitting at home violating us. Just sitting and collecting money from the people who don't know any better.

have sent them e-mails asking if they were a reputable company? and why no one answers the phone when you call? This seems like a scam to me. I wouldn't trust it. I think it is best that we continue to do our research on them. it's strange that when you asks questions about being reputable they do not respond. This is probably some enty warehouse with answering machine connected to it and some person sitting at home violating us. Just sitting and collecting money from the people who don't know any better.[img][color=Violet][/color][/img]

dont send them any money all they give you is a list of banks in your state did go with them they are a scam outfit you can get the list of bank for your self still trying to get my money back

I used Personal credit services. I sent them 125.00 and it took about 10 days and they responded with a lender. I was approved for $6000 but had to pay 5 monthly payments up front before money was released...

If you have any company ask you for a fee to get a loan you dont want them as a banker.

Removed per TOS - No Ads - Goudah

This is a scam people !!!!Michael , we don`t allow solicitations

Hi, I just wanted to let everyone know that somehow some way these people got all my information. I was ripped off 125 I did not give permission to these people i just started recieveing emails. I contacted my bank and also the state police. There is no live person u can speak with. I have been emailing them a few days in a row now and they say they will get back with u in 24 hrs. I looked deeper into them to find out yes it`s a big scam. The lenders they deal with are just regular loan and credit card companies you find on the net. They guarentee nothing. They are obviously not a secure ligit website because, my information was somehow put into their system. I`m sure it has a lot to do with identy theft but, since they had my money i wanted to see what they were takeing it for. IT IS A SCAM. DO NOT GIVE THESE PEOPLE YOUR MONEY!!!!!!!!!!! If you need money type in loans for people with bad credit it will give you all the companies that this company makes you pay for.

It was truly an experience going through the replies.Many people will be helped from your forum

Please let me know about the loan I filled out application on
line .

can I have that number to Personal Credit services, I have been thinking about going through with them but I only have email addresses. please let me know

I applied with PCS I paid $125 got the list of lenders and ALL OF THE ONES'S LISTED I HAVE CREDIT CARDS AND LOANS with them ALREADY!!!! SCAM If you ask me!

Wow! I am sooooo glad I checked this out first because gullable seems to be my middle name. No one should have to pay for a list of lenders. Thats CRAP!!! I found a credit union out of state for me but they offer unsecured signature loans as long as you're a member of their credit union or you make a $5 donation to mid-illinois dollars for scholars foundation or open a checking account with them. The site is midillinicu.com. It's definitely worth it to take a look. I'm going to become a member and apply for a loan myself.

Since you payed the 125 fee did it work and did everything go smooth?

did you use personal credit services? what happend im skeptical about sending moneyy toooo ? pleasse let me know if its legit

Report: #274242 View Similar Reports Report: Personal Credit Services/Rick Dennison
Category: Loans

Personal Credit Services/Rick Dennison Another victim of these Scam Artist/Will get my money back even if it means taking them all the way down! East Islip New York
*UPDATE Employee.. inside information ..Personal Credit Services ALWAYS honors its guarantee!


Read how Ripoff Report saves consumers millions.

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Personal Credit Services/Rick Dennison
Phone: 631-930-6422
Fax: 631-240-5879
10 East Main Street, #144
East Islip, New York, 11730
U.S.A.

Report: #296108 View Similar Reports Report: Personal Credit Services Inc
Category: Credit & Debt Services

Personal Credit Services Inc Ripped me off Holbrook New York


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Personal Credit Services Inc
Phone: 631-9306422
Fax: 631-2405879
321 Dante Court (suite #A1)
Holbrook, New York, 11741
U.S.A.

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Report: Personal Credit Services
Category: Loans

Personal Credit Services ripoff is a scam and prays on people who need loans! East Islip New York


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Personal Credit Services
Phone: 800-364-9390
Fax: 631-240-5879
10 East Main Street, #144
East Islip, New York, 11730
U.S.A.

Submitted: 7/11/2007 9:53:40 AM
Modified: 7/11/2007 9:54:00 AM
Brittany
Foothill Ranch, California



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This company promises to get you approved for a personal loan despite your credit history. You pay a small up front fee based on the loan amount you are looking for. I was looking for $6,000 and had to pay $150 for the service.

Once you pay the fee you are emailed about 10 pages of differnent lenders. You are not pre-approved for anything. The lenders are numbered and then under each lender you are given about 50 different branches for that same lender based on your zip code. They do not tell you who you are calling. The company specifically tells you not to tell the lender that you used their service. That should have tipped me off. As I started calling I realized they provided all the big banks that I had already applied to. They provided banks like Washington Mutual which doesn't even do personal loans any more.

I then emailed the company asking for a refund becasue their service was a joke!! They said I needed to follow their return policy which is to apply to all 10 lenders and I have to get denied by ALL 10 lenders prior to receiving a full refund. I would also have to provide documentation proving that within 90 days and I had to send all of it at once. If I didnt' then I would be denied my refund. 10 inquiries on your credit report causes a negative profile not to mention the fact you are NOT getting what the company promised. After doing what they asked and risking my credit to get my money back I sent in all my documentation and they still denied my refund because of the intial email I had sent. Are you kidding? They are a bunch of scam artists and took my money to give me info I had already found on my own!!!! They said they can guarentee an approval and well my friend they can't!!! Don't use them!!!

Brittany
Foothill Ranch, California
U.S.A.

wow! i was about to click on proces and my gutt said "just google the company first" glad that i did.

I, too was about to send them 150.00, but my best friend told me to google the 1st. I am so glad I did. I feel sorry for all of you that sent them money. God will make a way for all of us!

Hey, I was looking at using personal credit Services for a loan of 10,000 but after not really finding too much on them and seeing how many people dont trust them I don't believe that I will be using them. Does anyone know where I can get a 10,000 dollar loan with really bad credit?

hello i wanted to find out about this compnay as well please tell me what has happened so far after you sent the money did they give you all the proper stuff and information about your loan or who they are contact info? I need a loan but am hesitant as well my credit isnt that good either but need help nina please post back on here your outcome or reply to what so far is happening hopefully everything is legit.

its so funny im not a girl but it put a girls picture on there !! LOL i guess thats how i would look if i was a girl without my goatie LOL

well thank you all for the tips if anyone knows a good and honest lender not to worried about the interest right now just need to find a lender for about 20,000. if anyone knows one please send me the link im in corona ca

i paid 175.00 and i have left them 4 messages can anyone tell me the time frame for this company to get back with you and is there anyone who has received a loan from them.