Thank you, for sharing with us how pleased you are with our service! You can discover what actual customers are saying about them before you choose to do business with them. After speaking to a sales rep, underwriter and supervisor no luck, even though my income, assets, debt to income ratios and excellent credit history (*** ****). After reviewing the statements in here, I gave them questions pertaining to their letter and what it advertises. The 4-8 month negotiating process has begun. Beware and do not trust a word they say! We're glad to hear our team thoroughly explained the process to you and thank you for trusting our process to resolve your debt! 872 reviews of Credit9 from Irvine, CA The staff were wonderful at explaining the process and were quick with responses. False advertising. We make recommendations to help you make the best possible informed decisions. Thanks for sharing this amazing review with us Timothy! We genuinely strive for each interaction with a customer to be truly positive and exceptional. When I questioned the fees and wanted exact details of the program, the agent said he'd have to call me back...and of course never did. * All loans in Texas, Washington, Indiana are brokered. Credit 9 doesn’t tell you that you need excellent credit to qualify for a loan with that low-interest rate (which you have been supposedly pre-approved for). It appears that Credit 9 is operating a typical bait and switch scheme. Please look for a reputable company and throw away the false advertising you receive. It's been our pleasure working with you to resolve your debt and have a fresh start with your finances! Minimum loan amounts vary by state. Learn More. She took my information and said that the application would go to underwriting and some one would call. Thanks for choosing Credit9! The rep I worked with was very supportive. Not debt consolidation. By the time my credit is ok again I will be close to 72. We hope the information below will help you make an educated decision on whether to do business with Credit 9. Credit 9 does have an A+ rating with the BBB but something doesn’t feel right. Thank you for sharing your satisfaction Janis! Credit 9 Review: Is Credit9 a legitimate company? Thank god my credit is protected, who knows what this company is doing with our information. Reddit (/ ˈ r ɛ d ɪ t /, stylized in all lowercase) is a social news aggregation, web content rating, and discussion website, recently including livestream content through Reddit Public Access Network.. very helpful, taking time to explain things all in all. The first rep who began my application informed me that processing the application would only be a “soft inquiry” on my credit, which was also suspect and red flag number two confirmed. Otherwise, not interested. NOPE! friendly knowlegeable staff with a willingness to help. I called and gave info to the agent after reading that if my credit card debt was 10k they would give me 15k and I would have extra for something else I wanted. | Read 221-240 Reviews out of 285 Find Reviews Filter. We have no information to suggest that. Amazing i have my credit report and fico score from two days prior and it was alot higher. You probably received a mailer with a personalized reservation code offering you a pre-approved loan with a below 5% interest rate to consolidate your credit card and other high-interest debt. I have only been doing business with this company for a short while, but I have been impressed by every contact I have had with them so far. The real question is, what can Credit 9 actually do for the average American consumer that is struggling to pay off his or her credit card debt? Very early on in the process but so far so good. We're happy you've been able to connect easily with the team to answer your questions Stephan, thanks for choosing Credit9 to help you get back on track financially! 562 reviews for CareCredit, 1.3 stars: 'This company separates interest free "promotions" without clarity or alerts even when you have opted in for alerts. It said loan. Credit tracking catches instances of identity theft early. I always thought that the BBB logo stood for something! solid program. Be smart and report the fake loan scam to BBB, FTC and Consumer Finance Protection Bureau with the government looking mailer they use. Fast-talking scammers. Find below some of the very recent Credit9 Bad Reviews on BBB: Very misleading! Check out what 285 people have written so far, and share your own experience. Ed "Once Upon A Time" Miles writes debt consolidation reviews and other finance-related articles for Crixeo.com. On the positive side, I will say that all three professionals I spoke to were very courteous. Well it is 10 days later and no phone call. Disclosure: We receive advertising revenue from our partners. Business Response: Thank you for leaving us this review, Stanford. Generally, they engage consumers through direct mail, cold calling and internet ads. Cody McNeil was very knowledgeable and answered most of the questions I had before I could ask him. Thank you for the great review! I tried reaching the customer service department and that number was also dead. Thanks! The lack of follow up, failure of updates, missed appointments and excuses that “power outages” have caused their offices to get behind, were also confirmations of red flags pointed out in previous reviews. * Funds are generally deposited via ACH for delivery next business day if … You probably received a mailer with a personalized reservation code offering you a pre-approved loan with a below 5% interest rate to consolidate your credit card and other high-interest debt. Again, something doesn’t feel right. So far so good everything is being explained well and we see later on the rest how it goes. I do not have internet at my house. Direct mail with low rates and bait and switch tactics. courteous! That shit cracked me up. ... Freedom Debt Relief reviews solutions for customers with large debt problems, helping to negotiate with creditors and allow customers to pay less than the owed amount on their debts. The only internet I have is through my phone. What Are You Waiting For? These five start reviews are sketchy. As many have reported/complained, they did not call me back as/when promised. This company is a scam. Hi Thom, thanks for this review! Thanks for sharing your satisfaction with our service Dennis, we're happy to help you achieve debt freedom! I've already referred friends. Crixeo.com awarded Credit 9 a 1-star rating (data collected and updated as of May 18, 2020). See a side-by-side comparison of our top 4 picks for the best credit monitoring services. You may have been directed to visit Apply Credit 9 or Loan Credit 9 to claim your funds. My Experience was Great.Everything was exp,aimed in detail until it was fully understood,also follow up was on point.. I have had a crisis in my family, been away from my cell need someone to assist me with next steps. Ultimately, they are switched to a higher cost loans or debt relief products. I got a call from a representative. Upstart Personal Loans - Read unbiased reviews of Upstart Personal Loans, rated 4.9 out of 5 stars by 7125 users ... vehicle information, credit usage and history. You may have been directed to visit Apply Credit 9 or Loan Credit 9 to claim your funds. As you continue the journey, please let us know how we can be your greatest supporter. We do not imply that Credit 9’s Reviews or Americor’s Reviews are fake. Let me know when an application can be completed by phone OR mailed to me. The process was made easy. Credit 9, an affiliate of Americor Funding, claims to be able to provide loans that help you pay off your credit cards and simplify your life.The problem is that most customers don’t qualify for loans and get shifted to another debt relief or credit repair product. We highly recommend doing your own due diligence on Credit9 before entering into any financial relationship with the company. When I called your company I was informed that it all had to be done online and I needed to find a computer with WiFi to use since my phone wasn't being accepted as a viable source. It's excellent to see our team helped make your enrollment a seamless process SK, we're thrilled to see you decided to make the call to us for assistance in paying off your debt! Another reviewer disputed that statement and claimed that you have to pay a week in advance to avoid late fees or be charged $9.95 for an express payment. He told me I was good and he would have his supervisor call me to confirm before sending it to the underwriter which they did call that day. I have tried to call Russell on June 10th and June 11th and left a message and I still have not heard anything. I managed a phone conversation with a rep. After providing all my personal information, they mentioned that an underwriter will reach out to me for a loan offer.I have not heard from anyone. But Kim was able to finally get it approved, I've had great service, and the best part, all of my creditors are settled. 107 talking about this. We're here to take the burden of debt off your shoulders and support you on your journey, remember you can check out your client portal for all updates about your account or don't hesitate to contact Client Services at 866-333-8484. While the Credit 9 mailer offers incredibly low rates, the licensing information on their site discloses that “typical” rates for most states they include in their disclosure are 18-24% APR. Went online and followed the instructions. Our Crixeo.com experts test and compare the best products and services. Is Credit9 a legitimate company? We're glad to have you onboard with us! I felt that the ad was deceptive but now I know it was too good to be true. Saatva vs Purple: And The Mattress Winner Is…, Ad Disclosure: We receive referral fees from advertisers. Get BBB A+ Accredited Offers. Credit One Credit Card Review Summary. The Client Service employees that I have spoken too have been Knowledgeable and HelpfulMost importantly, in under 2 weeks I was offered my first settlement! I have never had any agreement for services from this. Interestingly, while having sample rates for the State of Pennsylvania, the site also discloses that “These products/services are not offered to Pennsylvania residents.”. I called again on June 8 got a text message right away saying she would call me back and I still hadn’t heard from her. | Read 41-60 Reviews out of 551 He just bought a $17 million mansion on Venetian Islands in Florida. Do you agree with Credit9’s star rating? Thank you for your review. Thank you for sharing this with us Rachel! We're pleased to see your representative and our team have been helpful and responsive, we look forward to helping you close this chapter of debt and create a new brighter future with your money! After several hours, I tried to reach her at the number she gave me but the number is dead. Letter indicates credit 9 but when agent picks up, he goes its americo. I love this company it's really helpful for me at this time and my life . ****PHISHING ALERT***** I can’t fathom how this business has a A+ rating. I was supposed to get a call the next day and didn’t. When I texted I was not even aware I had an approval the person apologized and offered to call me that afternoon. Credit9 and credit9.com are part of the new wave of debt consolidation companies that are targeting American consumers. Compare rates from Payoff and other lenders. An indication that credit card companies are aware that I have signed up with you is that on my computer there have been statements that I am no longer signed up with Auto Pay. It's our goal to be 100% transparent and communicative with you as you progress through your program, so it's wonderful to see our team has provided you with that service! Relieved a “pre-approval” in the mail and thought I’d pay off a couple of credit cards. I got a few offers in my mailbox and decided to try. We're so happy you had a good experience with us. We're excited you decided to enroll your debt with our program, our team here at Credit9 will be working diligently to help you achieve debt freedom quickly to have a fresh start financially! I received one of their letters in the mail stating “You have been PRE-APPROVED for an $25,471 Consolidation Line of Credit!”. My personal contact was a helpful.and patient person who helped me understand everything step by step. Credit 9 also received 208 reviews on the BBB site with an average customer rating of 3.5 stars. I was like nice, please tell me more. 9 reviews for CreditCards.com, 3.9 stars: 'This company debited my credit card $99.95 without authorization or reason. Very by the book. I am having the same problems as everyone else that left a bad review. The guy was explaining , during this call (not the last one) that they do not have a “relationship” with ******* **** and could not pay off my debt there. How much is Credit.com? Thanks for choosing Credit9! I still haven’t heard from her. They lure you in by sending you direct mail with a “personalized reservation code” and a low 4%-5% interest rate to consolidate your high-interest credit card debt. https://crixeo.com/debt-consolidation/credit-9-review/Is Credit9 a legitimate company? It's been our pleasure working with you to resolve your debt and have a fresh start with your finances! I received a very specific pre-approved written offer for a rate & term refinance of my CC/unsecured debt at 5.99% to save $219/month. The first thing I can tell you is that Banir Ganatra, the CEO of Credit 9 Americor, is loaded. * The actual loan amount, term, and APR amount of loan that a customer qualifies for may vary based on credit determination and state law. Generally, they engage consumers through direct mail, cold calling and internet ads. A drawback of the no credit option. All loans are subject to credit review and approval. During our research for this Credit.com review, we didn’t come across any legitimate complaints about the company. Credit9.com CANNOT and will not deliver on their promises. The reviews that warn you to take heed and proceed with caution due to the fact they ask for your social security number over the phone instead of online, are absolutely right. I put money on it that Credit9, Americor, and Americor Funding are writing their own reviews to off set the negative reviews to get a higher BBB rating. However, one important point will benefit you immensely in figuring out your next step with regards to your credit rating. When I called and waited for a supervisor, they offered no remediation or concern. Shortly after things del off my credit I was able to refinance with a different lender for the debt I owed. Generally, they target consumers with less than perfect credit and offer them low interest rates to lure them in. Check out what 551 people have written so far, and share your own experience. Looks like they scamming people. The positive reviews seemed a little bit too generic. I do not appreciate bait and switch fraud. Rue the day I gave them my information ! I have only seen 1 deduction and nothing paid yet but Luis has been very nice and helpful. Compare the Best Credit 9 Reviews Debt of 2020 . As of right now I would rate them a 0 if I could. Tried to tell me my fico score was so low. Why can I not leave NO Stars!? Thank you for sharing this with us Desmond! restrictions may apply. Do you agree with Credit9’s 4-star rating? Otherwise A+. Payoff’s online loans help fair- and good-credit borrowers consolidate credit card debt. I am 68 now. Why Do We Focus On Credit 9’s Negative Reviews? Thanks for sharing your satisfaction with our service David, we're happy to help you achieve debt freedom! Not happy. Please feel free to give us a call anytime if you have any questions. Credit Card Debt Relief Options During Coronavirus, Cornhusker Advisors Debt Consolidation Review: March 5, 2021 Scam Update, Badger Advisors Debt Consolidation Review: March 1, 2021 Scam Update, Rockville Advisors Debt Consolidation Review: February 19, 2021 Scam Update, Snowbird Partners Debt Consolidation Review: February 3, 2021 Scam Update, Gulf Street Advisors Debt Consolidation Review: February 3, 2021 Scam Update, Insomnia Rises During the COVID-19 Pandemic, Betterhelp Review – Ranked #1 For Best Online Therapy, Saatva Review: Ranked Best Overall Mattress For February 2021. Credit 9 is affiliated with Americor Funding, a debt resolution company. The rep, couldn’t give me a straight answer, got frustrated and just hug up on me. Elevate Credit Employee Reviews about "9 5" Updated Jan 25, 2021. Ad Disclosure: We receive referral fees from partners. We look forward to having you as part of our Credit9 community, and we’re glad we could be of assistance in your loan consolidation process. If I could give them a negative star rating, I would. They tried to off debt consolidation and said they didn’t have a loan for me. We appreciate you taking the time to share your experience and love having you as a member of the Credit9 Family. * These products/services are not offered to Pennsylvania residents. Why would I want them to re-negotiate my CC balances if I can easily pay them and keep my excellent credit rating??? BBB should do a better job at vetting the reviews of companies on their site to make sure the legit from consumers. Kim thorne, was finally able to get my loan approved, COVID-19 held up me from getting my loan. ………….. “You have been pre-qualified for Credit9 family loan for up to $$$$$ ” “Once approved, your Credit9 family loan can be used to pay off your credit cards with lower monthly payments at 5.99% APR”,,..,then at the bottom it states the 0 % interest for 12 months! I should’ve trusted the negative reviews that red flagged and signaled their unprofessionalism and lack of follow up, however I allowed myself to be swayed by the “positive” reviews and decided to respond to their offer. Thanks for choosing Credit9! Thank you for your review Tim! Credit Services in Irvine, CA. Generally, they target consumers with less than perfect credit and offer them low interest rates to lure them in. Thank you for your review, Jacquelyn! I saw it on the letter /promotion sent out by Credit9; that was why I did not “check-up” on this company initially. Please feel free to reach out to us with any questions. I truly thought that I was going to get a “LOAN”, so that I could pay off the debts of my choice, with said “Loan”! Approval and loan terms will vary based on credit determination and state law. Registered members submit content to the site such as links, text posts, and images, which are then voted up or down by other members. 6,016 talking about this. That is what the letter states in Bold print on the front! Credit.com complaints. We're glad to hear our team thoroughly explained the process to you and thank you for trusting our process to resolve your debt! What kind of business works like that? Something told me to look into their company, so I read many of the reviews in here. We wish you luck and invite you to take a look at Crixeo’s Best Debt Consolidation Reviews of 2020. Credit 9 is representative of what is plaguing the debt consolidation industry. Thank you for your review Kelley! Clear All. Some are calling it a bait and switch and others say they are helping everyone they can. They have not answered 2 emails, they are owned by Bankrate. I guess they are phishing customer personal information and social security. https://tsuki.market/collections/why-are-you-sad-againeverythingawful subreddit is awful suprise epicly100 CLUB MERCH OUT NOW! No response despite leaving voice messages and I am definitely concerned about identity theft with this company. I was charged almost a thousand dollars extra for my pets surgery due to unclear promotional time frame splits for a single incident. I was very pleased with how my agent walked me through the whole process and took the time to address my concerns and questions. Learn To Consolidate & Get Out of Debt Faster. I just contacted them, and after further conversation, I was made aware of the fact that the “letter/promotion” sent to me was so incomplete & very misleading! Yes, they are bait and switch fake loan offer to get you into debt settlement. Thanks for choosing Credit9 to guide you on your debt free journey! He indicated credit 9 is another company under our branch, its few floor down. I should’ve known better than to listen to the good reviews (which are probably fake). I told him that I did NOT want him to pay my debt, that I wanted the “LOAN” so that I could pay my debts. Still in the beginning faze at this time, and with what has been done so far I have to give a five star performance to Credit9. 9Credit is a mobile app that provides simple ,allows you to access loan at anytime, anywhere. Their business agreements are very clear and helpful and the website that houses the Client Portal I use is very useful and user-friendly. After I spoke with a Raymi (Customer Service) and she took my information, she told me she would send it to another department to analyze it and that she would call me in 2 hours. BBB accredited since 10/2/2018. Generally, they engage consumers through direct mail, cold calling and internet ads. You can monitor your credit by yourself or by using a credit monitoring service, such as Credit.com. Additionally, model year, loan-to-value, minimum loan balance mileage, income, debt, etc. Thanks for choosing Credit9! Thank you for your review Andrew! Ultimately, they are switched to a higher cost loans or debt relief products. The complaint details aren’t available but 7 of them were related to “Problem with a Product or Service” and 4 were related to “Advertising/Sales”. Smooth operation. The rep I worked with was very supportive and made me feel comfortable with what was a difficult situation for me. Americor’s BBB complaints record shows 99 complaints in the last 36 months, 70 of which were filed in the last 12 months. I call the May 28 she told me should call me back on Monday which was June 1st. I am grateful to have found Credit9. See BBB rating, reviews, complaints, request a quote & more. Ultimately, they are switched to a higher cost loans or debt relief products. Search job titles. Doesn't instill confidence; and if I applied with my good credit and didn't get approved, I would feel duped like the other 20+ people that left bad reviews. It seems I have had the same experience and this company is a scam. The 12 consumer complaints, 11 of which were filed in the last eight months, are alarming and tell a different story. They still haven’t called even though every other day they promise they will call. Credit 9 Review: Bait and Switch Trap? Americor Funding, affiliated with Credit 9, also doesn’t win any popularity contests when it comes to customer satisfaction. Credit9 Reviews is part of the new wave of debt consolidation companies that are targeting American consumers. I’m thankful for that. Not a good way to do legitimate business. How so you get a BBB good rating when you are scamming people? Hi Patricia, thank you for taking the time to share this kind review about your representative Luis! I have perfect payment history and make six figures. One of the best ways to research credit monitoring services is by reading third-party reviews. As of June 23, 2020, Americor has a 2.5-star Yelp rating based on 73 reviews. © 2021 Trustpilot, Inc. All rights reserved. I called again in the afternoon got a hold of a Russell who said he sent her a message directly to call me which I still have not heard from her. OK first off I'll explain my situation. One Credit One Bank credit card review mentioned that you can even make payments using your phone, and it’s received in your account the next day. We're happy to see our team has provided you with exceptional service thus far and we're glad you chose Credit9 to help you become debt free! We're glad to have you onboard with us! …I was just made aware today of the fact that they want to consolidate my debts and charge me to do that! I bring home about $3500/net per month with living/fixed expenses of about $1400/mo, the HUGE problem is that my Credit Card debt is insane has been very high for about 8 years.. $48K in CC debt and a 75% utilization, minimum payments are about $1300/mo, Student Loans have … I froze my credit file because that representative has all my information and I feel as though it will be used for fraud. I think this company is a scam. Very professional. The first thing we do is give you free access to your credit scores, reports and monitoring. They are Americor.com so credit9 is a fake mailer. Credit.com’s Better Business Bureau (BBB) rating is currently A-, which is an indicator of great customer service. Excellent job with detailed information. I couldn't complete the application because your website kept crashing on me. I filed a BBB complaint against them.' That was red flag number one confirmed. Credit 9 vs Titan Consulting Group. Sourced from Trustpilot . Thank you. We look forward in building a lasting relationship with you. Review by Amy Simpson 6 months ago. We urge you to do your own research and due diligence on any company, especially when dealing with your personal finances. It is an honor to guide you toward financial freedom. Thanks for sharing your satisfaction with our service Larry, we're happy to help you achieve debt freedom! Ed is a cautious fellow and is very concerned about the state of the debt consolidation and personal loan industries. Mid 30s age, make ~$65K year, Credit Score ~700, $100K in my 401K. A few days later I get a text telling me they have my approval but needed to know if I wanted more time or the approval would time out. I got an offer in the mail. Thank you for choosing Credit9 to reach your financial goals. They only want to make high profit loans to distressed borrowers/struggling borrowers, even during the Coronavirus Pandemic Quarantine (crisis). Generally, they target consumers with less than perfect credit and offer them low interest rates to lure them in. The more we talked the more I became aware of the fact that he was there ONLY to do debt consolidation and charge me for his services! I was like howcome you guys are americo when site says credit 9. * Example: Loan Amount: $4300.00, Annual Percentage Rate: 24.00%, Number of Payments: 30, Monthly Payment: $191.99 * The approval process may take longer if additional documents are requested.