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12 comments

One Main Financial are a bunch of crooks. I applied for a small loan 8 months ago, in which they did

a credit check and I was fine with. They denied me saying I didnt have enough credit open. Thats

fine, I did what they asked and opened up some credit and I recieved a pre selected loan for $6000.

I then went again to Onemain financial to apply for this loan in which they ran my credit report again.

I have great credit, a great job, great tenure, and they denied me again by saying I have too much

credit now. This a jip. They ran my credit report twice in a year and that cost me 10 points. They just

want to run peoples credit to run their scores. They are a bunch of crooks. Damm them. Dont trust them whatsoever.

Location: San Antonio, Texas

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Guest

I fill you they keep sending me these *** loan certificate saying I can get 5000$ known I got bad credit they are the worst loan office ever and need to be closed down if they send me one more letter we are going to have some problems

Guest

Thank goodness for all these comments, I just tore up this preselected loan letter, in the trash

Guest

ALL OF U R MORONS....U DO NOT KNOW HOW THE BUSINESS WORKS....THEY R THERE TO MAKE LOANS NOT JUST PULL UR *** CREDIT....IF U WERE THAT GOOD OF A RISK U WOULD NOT B ASKING 4 $$$$ AT THIS ESTABLISHMENTS...THESE ARE LOANS TO CONSOLIDATE AND HAVE BETTER DISPOSABLE INCOME OR FOR EMERGENCIES....U KEEP THINKING THAT UR SO DESERVING, WHEN IN FACT UR CREDIT IS LIKE BEIRUT!!!! ***

Guest
reply icon Replying to comment of Guest-583217

Me thinks you work for this company, which is why you made this *** statement! !

Guest

I was going to apply for a loan but luckily looked online for reviews for this company One Main Financial and after reading whats been happening to others Im so glad I didnt get sucked into the scam. No matter how bad things seem if you get a loan from them it gets only worse

Guest

I was about to apply for a loan , But listening to all of this BS I will do with out.

Guest
reply icon Replying to comment of Guest-454710

I don't blame you I feel the same way I'll go without before I borrow anthing from these crooks!

Guest

Just to let you know that there are 3 factors are go in to making a loan approval decision. Income..which means that there was enough of your income that covers your debt listed on the credit report.

Stability..do you have enough job history and work history and you dont "jump" around from job to job or house to house...and Credit. those three factor are the basic guidelines. They do pull all 3 major credit agencies. EXF EXP & TRU.

and when you get a pre-selected offer that means that some how you got put on a solicit list for citi group...they do not know your credit worthliness. you can do a do not solicit when you get them

Guest

I CALLED TO SEE IF I CAN GET APPROVED FOR A SMALL LOAN DUE TO RECEIVING A LOAN LETTER OF BEING PRE SELECTED FOR $6000 AND NOW I DON'T WANT TO APPLY DUE TO TRYING TO IMPROVE MY SCORE TO BUY A HOME, BUT NEEDEDE THE LOAN FOR AN INVESTMENT. NOW I AM SCARED TO APPLY THE OFFICE I CALLED WAS IN NATIONAL CITY, CALIFORNIA AND THEY WOULD NOT TELL ME WHAT THEY BASE THERE CREDIT QRITERIA BECAUSE EVERONES SITUATION IS DIFFERENT.

SO THEY DID SAY THEY RUN YOUR CREDIT THROUGH EXPERIAN OR OTHER ONES IF THEY CAN.

THEY SAID THE COMPUTER WILL GENERATE THE INFORMAION AND MAKE THE DECISION...........COMPUTER, NOT A PERSON...........NO THNAKS, EVEN WHEN I WAS SO CLOSE TO APPLY, NO THNAKS AND THANK YOU ALL FOR YOUR COMMENTS. KEEP THEM COMING.

Guest

One problem with OneMain is that they use the credit company that reports the lowest credit score. My credit had a difference of 62 points between credit scores!!

That is just wrong. Other than that, they are just crooks!

Guest

All employees can do is offer suggestions on how to improve your credit so that you may qualify next time. Unfortunately, it is not a guarantee that if you do those things then you will get the loan.

And credit scores are only good for 30 days, so if it was later, your score would have to be repulled to see if it increased (or decreased).

You should have received a letter with your denial stating your credit score and how you can get a copy of your actual credit report.

Guest

I am experiencing the same type of difficultiesLet's take them to the mat.

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