Reviews 4.4
7,209 total
Dissatisfied
1 reviews US
There were only crappy offers
There were only crappy offers, and all from the same company. There was one link for a different possible offer that didn't work
Date of experience: August 14, 2023
Hello, Thank you for taking the time to reach out with your review. We appreciate feedback from all of our users, as that feedback is an invaluable tool to help us continue to improve our customer service. We’re sorry that the options available to you through our lender partners were not appealing. Unfortunately, with our role as the marketplace, we are unable to adjust our lender partners’ offerings. The pre-qualified rates shown on our site are based on the answers entered in the form and a soft credit pull which does not affect your credit score. We’d like to hear more about your experience. Please reach out to us at 866-540-6005, Monday through Thursday 9 am - 9 pm ET, Friday 9 am - 7 pm ET, and Saturday 10 am - 6 pm ET or you can reach us by email at [email protected].
Dipak Patel
1 reviews US
Not happy only 15% satisfaction
Not happy only 15% satisfaction
Date of experience: August 12, 2023
Hi Dipak, Thank you for taking the time to reach out with your review. Credible is an online marketplace for comparing prequalified rates with several lenders at once for different products, such as personal loans, student loans, and student loan refinancing. Our records indicate that you came to our site August 6th, prequalified for rate options the same day, and completed a loan with one of our partner lenders about a week later. Additionally, we were unable to locate any customer service contact records. We’d welcome an opportunity to learn more about your experience. If there’s anything else you’d like us to know we can be reached by email at [email protected] and by phone at 866-540-6005, Monday through Thursday 9am - 9pm ET, Friday 9am - 7pm ET, and Saturday 10am - 6pm ET.
Chris Mooney
1 reviews US
These are some SCAMMERS
These are some SCAMMERS! I put one little bit of info into their system, now all the sudden I'm getting letters in the mail for prequalified loans from companies I never heard of! They will take your info and pimp it out! DO NOT USE THIS SITE
Date of experience: August 01, 2023
Hi Chris, Thanks for taking the time to reach out with your review. Credible is a marketplace for comparing prequalified rates with several lenders at once for different products, such as personal loans. Our records indicate that you came to our site on August 1st, 2023, prequalified for rate options the same day, but did not choose any specific lender to move forward with. When you create a pre-qualification request on our personal loans marketplace, you authorize Credible and the lenders on our site to perform a soft credit pull that will not impact your credit score. A soft credit pull involves obtaining your credit score and credit profile, including existing credit accounts, balances, etc. The emails you have received from lenders are called denial letters or “adverse action notices.” Some lenders choose to treat a pre-qualification on Credible as an application and send these out if they are unable to offer rates. To verify that this was only a soft credit pull, you can get a full look at your credit reports at annualcreditreport.com. If you have any questions or anything else you’d like to share with us we can be reached by email at [email protected] and by phone at 866-540-6005, Monday through Thursday 9am - 9pm ET, Friday 9am - 7pm ET, and Saturday 9am - 7pm ET.
Clint Paxson
1 reviews US
I haven't received any money
I haven't received any money
Date of experience: July 27, 2023
Hi Clint, Thank you for sharing your experience. We appreciate feedback from our users, and that feedback is an invaluable tool for improving our customer service. We partner with multiple lenders so that our users can shop for their best prequalified rates in one place by filling out a single prequalification form. Our records show that you chose a loan option but ultimately withdrew your request. We’d welcome an opportunity to hear more about your experience. If you have any questions or suggestions regarding our website or your experience with the lender you selected, please let us know. You can reach us at 866-540-6005, Monday through Thursday 9am - 9pm ET, Friday 9am - 7pm ET, and Saturday 10am - 6pm ET or by email via [email protected].
Nicole Hjelte
1 reviews US
I didn't buy anything from you?
I didn't buy anything from you?
Date of experience: July 25, 2023
Hi Nicole, Thanks for taking the time to reach out with your review. Credible is a marketplace for comparing prequalified rates with several lenders at once for different products, such as personal loans. Our records indicate that you came to our site on May 5th, 2023, prequalified for rate options the same day, and completed a loan with one of our partner lenders a few weeks later. Please let us know if you have any questions regarding our website or your experience with the lender you selected. You can reach us at 866-540-6005, Monday through Thursday 9am - 9pm ET, Friday 9am - 7pm ET, and Saturday 10am - 6pm ET or by email via [email protected].
Wayne Jacobson
1 reviews US
Each time I've used Credible
Each time I've used Credible, I've had suspicious accounts opened in my name and my info has ended up on the dark web. Identity theft is not worth the ease of securing a loan.
Date of experience: July 24, 2023
Hi Wayne Jacobson, Thanks for taking the time to reach out with your review. Credible takes user data privacy and security very seriously and we are reaching out to you individually to learn more about your experiences. If you have any questions or anything else you'd like to share with us we can be reached by email at [email protected] and by phone at 866-540-6005, Monday through Thursday 9am - 9pm EST, Friday 9am - 7pm EST, and Saturday 9am - 7pm EST.
Marcus Hartwell
1 reviews US
Credible raised our insurance over 110%…
Credible raised our insurance over 110% without notifying us of the change. No policy changes just large premium changes
Date of experience: September 09, 2022
Hello Marcus, We understand it can be very frustrating to see a large increase at renewal. Unfortunately, many insurance carriers are trying to bridge back to profitability and that often results in non-renewals or large increases at renewal. When the cancellation request for this policy was received, we promptly canceled your policy and the carrier issued the pro-rated refund. As an independent insurance agency, we do not set insurance rates, but we understand some of our insurance carriers are making larger increases than normal to keep up with inflation and recent losses. If there’s anything else you’d like us to know we can be reached by email at [email protected] or by phone at 855-498-2266.
CWW
1 reviews US
Abhor Runarounds
When I deal with an insurance company, I abhor any run around. If I call an insurance company, that’s OK, 5 stars. The deeper I go to the “Just Say”, or “Press…” the more stars start falling. When I give my zip, and other info to a robotic voice multiple times at multiple levels, my time is being wasted because eventually I’m going to talk to a live person and ad nauseam repeat everything I gave up to the Robo-employee. But when I dial a phone number to get answers to questions, and all I get is, “Send an email,” 1 star.
Date of experience: January 17, 2023
kumar
1 reviews US
One of the worst websites ever I come…
One of the worst websites ever I come across, I don't find any history/track for my previous requests. All of a sudden I receive a mail saying the loan got denied by the lender that I never requested, this site is super confusing, at least for a new bee like me.
Date of experience: December 31, 2022
Hi Naveen, First, thank you for sharing your experience. We appreciate feedback from our users, and that feedback is an invaluable tool for improving our customer service. When you create a pre-qualification request on our personal loans marketplace, you authorize Credible and the lenders on our site to perform a soft credit pull that will not impact your credit score. A soft credit pull involves obtaining your credit score and credit profile, including existing credit accounts, balances, etc. The emails you have received from lenders are called denial letters or “adverse action notices.” Some lenders choose to treat a pre-qualification on Credible as an application and send these out if they are unable to offer rates. To verify that the soft credit pull did not impact your credit score, you may obtain a free copy of your credit report at annualcreditreport.com. If you have any questions or anything else you’d like to share with us we can be reached by email at [email protected] and by phone at 866-540-6005, Monday through Thursday 6am - 6pm PT, Friday 6am - 4pm PT, and Saturday 7am - 4pm PT.
Gerald Costa
1 reviews US
When I saw the rates being offered and…
When I saw the rates being offered and amount I laughed and though that this outfit is a scam. My credit score is in the 820s and have never been late on a payment. I was offered a 15% loan for $5,000 or so when I asked for $100,000. I could not believe this scam. I have a credit card that has a better rate than that (8.7%). I felt they must have me confused with someone else. However, I suggest you use a credit union if you are looking for smaller loans as I know rates are much better. A FACT! Apparently, this was not enough insulting information on myself but thought that consumers should not waste there time. I asked for one (1) loan, for $100,000. My credit score as of today was in the 830s. I have not been late on a payment, and have used my credit wisely through the years. Now, instead of one (1) loan I received a bunch of little loans at very high interest rates they were in double digits. I cannot say if the highest was 17%, but that does come to mind. The loans offered were $4,000 - $5,000 - etc.
Date of experience: December 02, 2022
Hi Gerald - Thanks for taking the time to reach out with your review. Credible is an online marketplace where you can compare lenders we partner with side by side without affecting your credit score. When you complete a prequalification form on our website, your dashboard will display the loan options that you could qualify for through our lenders, based on a soft credit inquiry. Rates, eligibility, and loan amounts are ultimately determined by our partner lenders based on your overall credit profile and the information you submit in our online form. You can review which partner lenders we check eligibility across here: https://www.credible.com/blog/personal-loan/. Some of the lenders choose to treat a pre-qualification on Credible as an application and send out Adverse Action notices if they are unable to offer rates. If you received any adverse action notices from lenders, they may contain additional important information regarding your eligibility. To verify that this soft credit pull did not impact your credit score, you may obtain a free copy of your credit report at annualcreditreport.com. If there’s anything else you’d like to share you can call us at 866-540-6005, Monday through Thursday 6am - 6pm PT, Friday 6am - 4pm PT, and Saturday-Sunday 7am - 4pm PT or you can reach us by email at [email protected].
Super8290
1 reviews US
They submitted apps without my consent...
This is a bizarre experience with Credible. I clicked on an ad that said consolidate your loans rates starting at 4.9%. The way it seems is that your credit report is not affected and you select the loan options that they match you with. WRONG! I go to the last page of the process and there was only one company and the rate started at 11%. I have perfect credit with a very high 800's credit score and 5% debt to income ratio. Why would it start at 11%. I decided NOT to choose one of the options. TELL ME WHY: I am receiving letter after letter from credit unions and goldman sachs saying that I filled out an application and they could not process or approve my application for reason ____. AND tell me why they have different names like my dad's name? and my address saying that I filled out an application with Credible... THAT IS SO BIZARRE!! There website says they don't sell our information... and you select the loan option that they match you with BUT now somehow all these companies are saying THANKS FOR SUBMITTING YOUR APPLICATION through Credible. They literally call Credible out in my letter. That is some illegal or definitely questionable tactics going on with this company! I never selected an option. I never filled out a form with these companies. I simply submitted my info to see my rates. THAT WAS IT. So let's talk about the denial letters - 1. First - the three I have received - TWO are in the wrong name. LIKE how did yall get the names mixed up??? 2. Second - the denial letters are pre-templates that aren't true. The first one said - your credit score of 825 is too low.. hahahahaha the range was 300 to 850. So that's a lie. I hate this form of doing business with Credible who is working with 17 different companies - pretending NOT to do a credit pull (but check their reply - they are) and pretending not to sell the info (they are getting a kickback) that's another lie - and then, sending out template rejection letters that are bogus. STAY AWAY FROM THIS COMPANY!!!!
Date of experience: September 20, 2022
First, thank you for sharing your experience. We appreciate feedback from our users, and that feedback is an invaluable tool for improving our customer service. When you create a pre-qualification request on our personal loans marketplace, you authorize Credible and the lenders on our site to perform a soft credit pull that will not impact your credit score. A soft credit pull involves obtaining your credit score and credit profile, including existing credit accounts, balances, etc. Credible takes user data privacy very seriously and does not sell any of our customers' personal information, email address, or other contact information to any third parties, except for our partner lenders. When a user completes a prequalification request on our site we send the user’s information to our partner lenders for the purpose of finding accurate prequalified rates. Rates are determined by our partner lenders. The emails you have received from lenders are called denial letters or "adverse action notices." Some lenders choose to treat a pre-qualification on Credible as an application and are required to send these out if they are unable to offer rates. If you have any questions or anything else you'd like to share with us we can be reached by email at [email protected] and by phone at 866-540-6005, Monday through Thursday 6am - 6pm PT, Friday 6am - 4pm PT, and Saturday-Sunday 7am - 4pm PT.
m
1 reviews US
Very frustrating dealing with this…
Very frustrating dealing with this company. I had to repeatedly send the same documentation and the whole proces took over two months.
Date of experience: September 07, 2022
Hi Michael, Thank you for sharing your Credible experience and for your review. Credible is a marketplace for comparing prequalified rates with several lenders at once for different products, such as Student Loan Refinancing. Our records indicate that you came to our site 7/31/2022, prequalified for rate options 7/31/2022, and completed a loan with one of our partner lenders on or about 9/17/2022. We’re always trying to improve the Credible experience, and feedback from our customers is one of the best ways for us to learn what we can be doing better. Your feedback will help us provide an even better experience for our future customers. If there’s anything else you’d like to share you can call us at 866-540-6005, Monday through Thursday 6am - 6pm PT, Friday 6am - 4pm PT, and Saturday-Sunday 7am - 4pm PT or you can reach us by email at [email protected].
Andrew Horwath
1 reviews US
Said I was approved then denied
Said I was approved then after jumping through all the hoops then was told denied I feel they just wanted my personal information again and felt like it was a scam at times I have great credit and don't recommend anyone to apply with this outfit
Date of experience: September 06, 2022
Hi, Andrew - Thank you for sharing your Credible experience and for your review. Credible is a marketplace for comparing prequalified rates with several lenders at once for different products, including student loans. Our records indicate that you came to our site and prequalified for rate options on 8/14, and completed a loan with one of our partner lenders on or about 9/2. If this is not the case, please call us or email [email protected] so that we can further assist you. We're always trying to improve the Credible experience, and feedback from our customers is one of the best ways for us to learn what we can be doing better. Your feedback will help us provide an even better experience for our future customers. If there's anything else you'd like to share you can call us at 866-540-6005, Monday through Thursday 6am - 6pm PT, Friday 6am - 4pm PT, and Saturday-Sunday 7am - 4pm PT or you can reach us by email at [email protected].
JWU
1 reviews US
We had issues signing up with the…
We had issues signing up with the lender that we chose. The log in information for Custom Choice was created by Credible and I didn't know the passwords etc. I called Custom Choice to try and log in, they told me to call Credible. I called Credible and they told me to call Custom Choice. The process was not smooth at all.
Date of experience: August 29, 2022
Hi, Jennifer - Thank you for sharing your experience with Credible and our partner lender Custom Choice. We're always trying to improve the Credible experience, and feedback from our customers is one of the best ways for us to learn what we can be doing better. Your feedback will help us provide an even better experience for our future customers. We are taking all appropriate measures to ensure that the lender login process goes more smoothly. If there's anything else you'd like to share you can call us at 866-540-6005, Monday through Thursday 6am - 6pm PT, Friday 6am - 4pm PT, and Saturday-Sunday 7am - 4pm PT or you can reach us by email at [email protected].
george smith
1 reviews US
wishy washy
you don't deserve a review
Date of experience: August 25, 2022
Hi George, Thanks for taking the time to review Credible. We value feedback from our customers, and we appreciate yours. We'd love to see if there's any additional assistance or information that we can provide for you, but we couldn't find your Credible account. Would you please give us a call at 866-540-6005 (Monday through Thursday 6am - 6pm PT, Friday 6am - 4pm PT, Saturday-Sunday 7am - 4pm PT) or email [email protected]? Thank you.
Cody
1 reviews US
Unprofessional Company
I had an extremely unprofessional experience. My loan officer was very unprofessional and did not do his job as he should have. I would not recommend this company to anyone.
Date of experience: July 22, 2022
Hi, Cody - Thank you for sharing your Credible experience and for your review. We're always trying to improve the Credible experience, and feedback from our customers is one of the best ways for us to learn what we can be doing better. Your feedback will help us provide an even better experience for our future customers. If there's anything else you'd like to share you can call us at 866-540-6005, Monday through Thursday 6am - 6pm PT, Friday 6am - 4pm PT, and Saturday-Sunday 7am - 4pm PT or you can reach us by email at [email protected].
DGY
1 reviews US
Credible portal used, rate higher than direct application for student loan
Credible is the only difference between an application I cosigned for one daughter and my husband the other for new student loans. My daughter's rate is substantially higher, even though my credit score equal or better than husband's. Fair lending practices?
Date of experience: July 09, 2022
Hi, Dana - First, thank you for sharing your experience. We appreciate feedback from our users, and that feedback is an invaluable tool for improving our customer service. Our records indicate that early this month your family created a prequalification request on www.credible.com and moved forward with one of the options displayed there. You later reached out to us stating that the rate you viewed on www.credible.com and that your chosen lender offered you was higher than the rate your family received applying directly with the same lender. We absolutely understand why this came as a surprise. Frankly, we can’t say with 100% certainty why the rate you selected on Credible wasn’t the same as the rate our partner lender offered when your family applied directly with the lender. Our partner lenders determine prequalified rates based on the overall information entered on the prequalification form and the overall information on your credit profile. Credit profile information is gathered through a soft credit inquiry. The soft inquiry does not affect your credit score. Once you select a lender and complete their application the lender will perform a hard credit inquiry as part of their underwriting process. Ultimately, the lender determines the final rate based on the hard credit inquiry. If you have any questions or anything else you'd like to share with us we can be reached by email at [email protected] and by phone at 866-540-6005, Monday through Thursday 6am - 6pm PT, Friday 6am - 4pm PT, and Saturday-Sunday 7am - 4pm PT.
terry lyerly
1 reviews US
Accidentally got on Credible looking at Sofi loan
Accidentally got on this website exploring a Sofi loan , not realizing it was Credible and put in some of my info before i caught it , figured since I didn't finish I would be okay. Started getting Emails from Credible to finish , I guess they capture your info before you even submit it. I just ignored them , but felt uneasy that they had gotten my info. They claimed that Sofi had approved me and I'm wondering how and even had terms, since I didn't even really finish my application , I still ignored them although more emails came. Now today I get an email from Prosper / WebBank that they have pulled my credit record, I have never been on their web site, the only conclusion is Credible is "shotgunning" my info out there without my permission. I will probably seek legal advise , this company should not be able to exist, stay away from them, be very careful when you click on a web site you think is the company you are looking for and it's not a third party representing the site.
Date of experience: June 18, 2022
Hi, Terry - Thanks for taking the time to reach out with your review. Credible is a marketplace for comparing prequalified rates with several lenders at once for different products, such as personal loans. We partner with several lenders (including SoFi) so that our users can compare prequalified rates from multiple, vetted lenders in one place by filling out a simple form. When you create a pre-qualification request on our personal loans marketplace, you authorize Credible and the lenders on our site to perform a soft credit pull that will not impact your credit score. A soft credit pull involves obtaining your credit score and credit profile, including existing credit accounts, balances, etc. The emails you have received from lenders are called denial letters or "adverse action notices." Some lenders choose to treat a pre-qualification on Credible as an application and send these out if they are unable to offer rates. Credible takes user data privacy very seriously and does not sell any of our customers' personal information, email address, or other contact information to any third parties, except for lenders if you choose to apply for a loan with one. When a user completes a prequalification request on our site and selects a lender, we send the user’s information to only the customer’s selected lender (or lenders). If you have any questions or anything else you'd like to share with us we can be reached by email at [email protected] and by phone at 866-540-6005, Monday through Thursday 6am - 6pm PT, Friday 6am - 4pm PT, and Saturday-Sunday 7am - 4pm PT.
Timothy Williamson
1 reviews US
My loan
Quick and not stressful.
Date of experience: June 04, 2022
Hi, Timothy - Thanks for taking the time to leave a review; we appreciate your feedback! At Credible we're always trying to improve, and feedback from our customers is one of the best ways for us to do that. If there's anything else you'd like to share you can call us at 866-540-6005, Monday through Thursday 6am - 6pm PT, Friday 6am - 4pm PT, and Saturday-Sunday 7am - 4pm PT or you can reach us by email at [email protected].
John
1 reviews US
I have been waiting in excess of 48…
I have been waiting in excess of 48 hours for my auto quotes and still no quotes. I even emailed twice with no result, not even an acknowledgement. Very poor experience. And I don't think I want a Trustpilot account, whatever that is, certainly not as a requirement to leave a review for crappy service.
Date of experience: April 07, 2022
Hello John - we apologize for this delay and want you to know it is rare to experience a delay of 48 hours with our service. We strive to go above and beyond for all our customers and understand in your situation, you believe we fell short. We understand your time is valuable and expect you will not see this delay again if you use our service. I am happy to see that we were able to find a competitively priced auto policy that you did purchase. We will do better next time on speed for you. At your service, Young Alfred
Contact
About
About Credible’s products
(Notice: Links below lead to Credible’s website(s))
Credible offers users the ability to compare personalized prequalified rates from multiple lenders across multiple products, such as:
- Personal Loans
- Student Loan Refinance
- Private Student Loans
- Insurance
- Home Loans
- Mortgage Refinancing
Credible is different from other marketplaces and other mortgage brokers. Here’s how:
- You’ll receive personalized prequalified rates. With Credible’s lending marketplace, you can fill out a simple, two-minute form, and instantly see which lenders you qualify for and at what rates. These are personalized, prequalified rates based on your credit history.
- Your credit score is not impacted.* Credible performs a soft credit inquiry to provide personalized prequalified rates for the loan products on our site. Soft credit inquiries do not affect your credit score.
- Safe and secure: Your data is encrypted and protected using transport layer security (TLS), the same protocols top banks and financial institutions use. And we don’t share your contact information with lending companies without your permission. Read more about Security at Credible.
Checking prequalified rates with Credible is free and our dashboard allows consumers to see important loan details, including monthly payment and total repayment costs, and sort as they prefer.
Insurance-related services are provided through Credible Insurance, Inc. (CA Lic. # 0M90597), VA: Credible Insurance Agency, Inc., MN SOS: Credible Cover, Inc.. All loan and mortgage-related services are provided through Credible Operations, Inc., NMLS # 1681276. www.nmlsconsumeraccess.org. Not available in all states.
*Checking rates on Credible will not impact your credit score. If you close a loan, your chosen provider or ultimate lender may perform a hard credit pull that may impact your credit score prior to loan closing (timing varies by provider).