RateGenius

ASCAKC79 

on Creditkarma

8 years ago

Bait and Switch.. I have an existing load of 4%. AFter being on creditkarma they alerted me to look into refinancing my vehicle. I was guranteed a rate of 2.0 to refi my car loan for 48 Months.( Istill have the picture to prove it) They called me back with 3 options and NONE were for the 2.00% and the 48 MONTH term. The best they could do was 3.49 for 5 MORE YEARS on a 2 year old loan. I asked if my information was used for a HARD credit pull(I have over an 825 credit score) and they said YES. I was so upset,because it was ... read more

gabluesteel 

on Creditkarma

8 years ago

They advertise one amount at 3.65% and call you with a 5.4% rate. Only 40.00 difference instead of advertised amount. Talk about a switch and bait. What makes it worse...My credit took another hard inquiry hit. Gee thanks guys. Credit Karma...I'm suprised you allow this kind of activity. Yes I'm familiar with advertising...but to say one thing and end up with something different???? Not impressed and I've got to suck it up now for 2 years for the hard inquiry. Thanks for nothing!!! 

Anonymous 

on Creditkarma

8 years ago

Very rude and disrespectful Tried to make a simple inquiry their response was so unprofessional. They will not talk to you without running your credit even if you know your score and just want to discuss the process. stay away. 

ajhargrove 

on Creditkarma

8 years ago

Denied Applied for auto refi. Credit score of 624 with monthly income of 6k+ but still got denied. What gives? Wasted my time. 

ajhargrove 

on Creditkarma

8 years ago

DENIED I applied for an auto refi. Credit score of 624 with an income of $6k+/month. Denied for no reason. What gives? Wasted my time. 

Anonymous 

on Creditkarma

8 years ago

Ok, first thing first, since Credit karma is not 100%accurate with your credit. Anyone applying need to really make sure their credit score is legit. second thing is that this company runs a soft inquiry but then they send it to three credit loan offices where they will run THREE HARD INQUIRIES and we all know those will hurt your credit, so be prepared to have THREE EXTRA INQUIRIES ON YOUR HISTORY. I could have gone to a bank myself and applied for a loan myself and realized after the first hard inquiry that maybe I wasn’t ... read more

Fishwizard7 

on Creditkarma

8 years ago

Smoke and mirrors After applying and immediately approved (with no income verification) I received an offer from a credit union.The rate and APR was okay, one problem, they added 12 months to the term, so in reality; they were not saving me any money at all. After I DECLINED, the credit union and Rate-not-so-genius sent me notifications why my loan was not approved. My credit score is 803 out of 850. I wonder how many people fall for this shell game, 

harold770 

on Creditkarma

8 years ago

Slick way to sell auto repair insurance I have a good credit score and was approved for refinance the salesman called and offered me insurance to cover repairs I told him I was not interested at all . The next message that came said my loan was turned down then a message with a higher rate . the company seems to be a real slimball operation to be avoided . 

Mdcharb 

on Creditkarma

8 years ago

Deceptive practices describing documents I'm not sure who, in their right mind, would sign a Power of Attorney authorizing their lender to "transfer and assign the legal title to said motor vehicle to anyone whomsoever as may be designated by my said attorney" but it certainly isn't something I'll sign. A POA is NOT required to record a lienholder (at least not in my state). The more likely reason they want this is in the event of the loan recipient defaulting on the payments, then they have the power to sell and title the v... read more