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The Center For Debt Management™ has developed associations with various banks and institutions that provide major credit cards and loan acquisition services—and you can apply right now from the comfort of your home or office!
In establishing associations with any lender or financial institution, our agency uses the following standards:
That the company is legitimate and deemed reputable by our research.*
That based on BBB files, the company has a satisfactory record with the Bureau.*
That there are no up front fees to "apply" for the credit card or the loan.
That the company markets their services and products through the internet.
That the company provides services and products in harmony with our mission.
* In our research, some companies may not have any file of record with the BBB and files are subject to change. While we do our due diligence in selecting associates,
we are solely a third party and make no guarantee as per our Disclaimer.
Our main interest is in developing associations with companies that provide services and products befitting our clients and visitors. For example, there are thousands of financial institutions offering credit cards, but in most cases, the criteria for approval requires excellent credit and low debt-to-income ratios. Because the majority of our clients and visitors have high debt-to-income ratios, and often a tarnished credit history, our primary focus is on institutions offering credit and financing specifically tailored to these consumers.
While most lending sites offer loans from one source, our objective is to offer a choice of lenders. This allows for easy access to many lenders in which to shop online for the best deal. Helping consumers save money and reduce debt is what
we are all about!
Beware! There are hundreds of companies, online and elsewhere, offering bogus financial services, often guaranteeing approval regardless of your credit history. You simply need to send in your "application fee" prior to acceptance. In most cases, these applicants never see one red cent! The scam artist moves on to a different location to avoid prosecution, but often continues to prey on unsuspecting victims.
In addition, many companies advertise "Unsecured Credit Cards—Guaranteed!" Typically these companies charge $35.00 to $100.00 for their services, but guarantee to find you an unsecured credit card—or your money will be refunded.
What they usually fail to disclose up-front, however, is that the unsecured credit card is going to cost you big time! How's that? In order to get the card the applicant is required to pay a "processing fee," "program fee," and/or "set-up fee" typically totaling over $150.00, plus a hefty annual fee or monthly participation fee. While the card is, as they state,"unsecured" it may cost you over $250.00 to get $300.00 worth of credit.
The trick is, once you get your approval for the unsecured credit card and only then learn about the high cost of obtaining the card, if you fail to get the card, you would not be entitled to a refund. After all, they did approve you for an unsecured card. It's
up to you whether or not you want to get for it—even if the cost to get it is ridiculous!
Of course, if you apply for the card and was denied, you would be entitled to a refund. But it is highly unlikely you would ever be denied! After all, the difference in the amount you are "charged" to obtain the card and the amount of credit extended is extremely minor. In essence, there's little risk and high profits!
In some cases, "applying" for the these so-called unsecured credit cards is free
—and in most cases you will be approved! But again, should you elect to get the credit card, there will be extremely high costs associated with it as noted above.
For more details, read Beware of "Guaranteed" unsecured credit cards offers!
Always read the "Disclosure" before accepting any credit card or loan!
Don't become a victim! It is important that you take precautionary measures in any business transaction, including those transacted through our associates. While our agency has taken measures to assure the legitimacy of our associates, some of these companies may deal with third party lenders unknown to our agency and/or may change their business practices. We strongly urge all applicants to thoroughly check out the "lender" prior to making any financial commitment.
To instill confidence in our agency, we invite you to check our Reliability Report
There are no up front fees required to apply for credit or for any type of financing being offered through our associates. You may, therefore, want to consider applying to all of the companies listed that offers the type of financing that you are seeking. You will either be approved (or disapproved) by the company, or be given the names of lenders that have approved you or deemed likely to approve you. Upon receipt of this information and review of the offering in its entirety, it is then up to you to decide whether or not to proceed with the transaction.
We suggest that you obtain several offers and review the
"Terms of Agreement" carefully prior to making any commitment.
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