UPDATE: They really don't want me to post this - it's been challenged now 4 times. I think my below email to their head of marketing sums it up: From: Anthony Sent: Friday, December 19, 2014 12:19 PM To: credible guy Cc: Anthony Subject: RE: Following up on your refinancing offers via Credible... Hey, Thanks for the email. I think this is the 3rd email you’ve sent me like the below. I am responding to your email because you would love to find out why I never bothered submitting stuff to Citizens Bank. Honestly I had forgotten about why I disliked Credible so much that I blocked it out of my mind. I logged back in and remembered why now. Let’s start with Credible itself (irony in the name). You basically represent that you have lenders who are willing to refinance my student loans and imply basically they’re ready to fight for my business. Credible holds itself out as being easy and you can do it in as little as “30 seconds.” Regardless of whether it actually takes 30 seconds, your website has implied and the message it sent to me was (1) you are going to have multiple offers and have a choice in your lender and (2) this is going to be so easy it will be as if no time passed at all. In fact, let’s go back to your 3 points: (1) compare with my peers, (2) submit one form and (3) choose the best offer. Well, your impressions backfired and turned me completely off once reviewed. Let’s review my 3 (THREE) “offers.” One is as you indicate, Citizens Bank needs more information! But isn’t the point of taking as long as I did to give you the information up front is to make the back end brainless and easy? Apparently not as Citizens Bank needs more information. CU Student Loans… what do I say about this? They’re not accepting new refinancing offers. How is this even an offer you present to me? Honestly it gives me 2 impressions – (1) CU Student loans is a joke and (2) by presenting this to me you just appear small, inefficient and unprofessional. And last, but certainly not least, is Education Success Loans. To your credit, it is an actual quote… sort of. It gives me a term and a range. It tells me its variable even though I specifically requested a fixed rate loan. BEST YET, I have to apply directly to their site. Your company reminds me of the quote from Office Space when the consultants interviews Tom Smykowski and finally the consultants ask him “What would you say you do here, Tom?” and he responds with “Well-well look. I already told you: I deal with the customers so the engineers don't have to. I have people skills; I am good at dealing with people. Can't you understand that?” To me that describes Credible succinctly. In fact, since you operate behind a website I’m not even sure it qualifies as people skills, but let’s give you the benefit of the doubt there. So what would you do if you were in my position? Your company takes my information and passes it on to these “lenders.” You promise quotes but you don’t deliver quotes. One of your lenders doesn’t even lend, and the others I need to fill out their application. So I just have to ask you… What would you say you do here? I normally don’t take the time to write these letters – most of the time you really DON’T want opinions like this, and based on the work of the site you must have had some serious angel backers and venture capitalists. It’s a great idea as well. Your company’s execution, however, is poorly done while its build-up is high – two things you never want a business to be. Thanks for the holiday wishes, and best of luck with Credible. (My FICO is fine, thanks!)