TransformCredit.com

I've been trying to reach out to this company about an account that's been created using my personal information. I've sent multiple written requests for them to close the account because, for some reason, I can't access the account settings to do it myself. In these written requests, I've also made it clear that I don't authorize any future transactions from my debit/credit account. I even attached statements and screenshots to my emails to provide as much information as possible. Despite all this effort, I've received no response from them. Today, I decided to give their customer service number a call, and what do I get? A voicemail that essentially says, "Please don't ask for a callback, just provide us with every piece of personal information you can so we can figure this out for you." That feels pretty sketchy, to be honest. Frustrated, I've taken the step to file a complaint with the BBB (Better Business Bureau). Hopefully, that will get their attention!

Avoid them for loans! My credit-building experience since December 2018 has been marred by consistently rude agents and unjustifiably tarnished credit due to a single late payment. Despite prompt payment in December for a November lapse, they deliberately misapplied it, harming both my and my cosigner's credit. Managerial communication is nonexistent. Despite faithfully paying since January 2019, I'm stuck with a $7500 loan, mainly paying interest with negligible principal reduction. The supposed credit builder has backfired, resulting in a perpetual negative status since 2022. This loan is far from beneficial, scoring 0/10 for recommendation.

Wow, they actually approved me! The whole loan request thing was way easier than I expected. Seriously, the response time was super quick. My biggest hurdle? Finding a co-signer. Once I sorted that out, bam, approved the next day. Underwriters were on it fast; it was just with them this morning and now the loan's sitting in my bank, just waiting to be released. Huge thanks to Transform Credit for making it happen! Feels like a weight's been lifted off my shoulders.

The company mandates a cosigner possessing a credit score of 750 or higher, a commendable track record of timely bill payments, and US residency. Despite my persistent inquiries seeking clarification on the rejection of my proposed cosigner by Transformcredit, they consistently refrained from providing a specific reason. Their repeated assertion that anyone meeting the specified criteria could be a cosigner proved to be inaccurate.

I get that a co-signer is necessary, but why do they need to put my loan in his account? That’s the one thing I don’t quite get. Besides that, I am quite happy with the whole process. We talked to various people and they were really friendly. I also liked that they texted me, emailed, and called. Most places wouldn't do that. All in all, I give you guys two thumbs up 👍🏼 I am very please with the outcome!

The company offers a valuable range of options, allowing customers to select amounts between 1k-10k. Their approach is considerate and well-organized, demonstrating respect and trust irrespective of credit history. This instills a sense of happiness and responsibility, motivating clients to adhere to the company's rules and fulfill their obligations.

This has been the quickest and best service I've ever gotten. Although I needed to add a cosigner because of my credit history, the process went really well. The team was very responsive and professional. I appreciate how they arranged monthly payment plans, not biweekly, and kept them affordable. Thanks a lot. Thank yiu for the chance and the trust.

My experience with the company has been quite good. They respond quickly, communicate well, and their emails are informative and helpful. I was a bit worried about the deposit, fearing I might have been scammed, but it all worked out just as the representative explained, and transferring the deposit was simple. Thank you.

The loan journey was surprisingly smooth, from application to cosigner involvement and approval. Despite my less-than-ideal credit, my income and repayment capability were recognized. The inclusion of a cosigner was necessary, but once their part was done, a confirming email promptly arrived, securing the loan.

The funds came quickly, and I could understand the terms without any problems. The monthly payments were simple. Once I finish my loan, I might help someone else by cosigning for them. Plus, they have an app that lets you track your loan balance and see it decrease as you pay it off, which is quite nice.

I was in a pinch and needed some financial relief. Transform Credit was extremely caring and informative on what my options were and gave me nothing but confidence that I could get through my trial. With the loan I was able to take a breath and move forward in my life. Thanks Transform Credit.

Had a positive experience with Transform Credit. Once I secured a cosigner, the process became straightforward, and the funds were delivered within a few days. Appreciate Transform Credit for providing the needed financial assistance, and a special thanks to my cosigner for their support.

When nobody wanted to give me a loan and help me out during these tough times for me, Transform Credit came through and I couldn’t be more thankful. They’re the best and I couldn’t imagine where I would be without them. I highly reccomend using them if you need the help.

The staff are friendly and easy to deal with, ensuring both you and your cosigner understand all the details before loan approval. Most of the paperwork and procedures are handled through texts and emails, with final calls to discuss everything in person.

The customer service was good, and they talked to you like real people, not machines. Had fun chatting with the team, and they answered all my questions. Anyone who gave a bad review probably doesn’t get how loans function or isn't paying attention.

After deciding, I reached out; they were extremely helpful, and I got the max funding! Timing of approval was perfect, just as promised, 24-hour funding. Ignore online scam claims, they approved me when others didn't. Trust yourself and go for it!

I needed a bit of money to kickstart my venture, and Transform Credit came through for me with utmost professionalism, warmth, and flexibility. I managed to cover all necessary expenses, and the repayment terms are quite reasonable.

Initially, I felt let down by the requirement for a co-signer as I lacked perfect credit. Despite this setback, securing the loan with a co-signature enabled me to achieve my objectives. Grateful for the assistance provided.

Everybody was super friendly and supportive. Getting approved meant a lot to me. The steps are easy to follow, and the app makes it easier to keep track of my payments. Will for sure return once I’m done paying off my lone.

The loan approval process dragged on longer than expected, and requiring my wife to co-sign added an extra layer of inconvenience. The extended delays and additional paperwork made the experience less than ideal.

The whole process was pretty simple, Molly was AMAEZING!! Wen she called to help finalize my loan she was incredibly helpful, pleasant to speak with and answered my questions with ease! Give that girl a raise!!

This company is really good for people needing help with money issues for a bit. It's easy, kinda quick, and handy. I'd suggest it to friends and family wanting to borrow money and improve credit too.

Transform Credit was really good during the whole process. It took a bit of time for the loan to come through. They take extra steps to avoid fraud, so the wait is worth it. I highly recomend them!

The customer service agent was nice and went over the T&C. The loan took a bit longer to be processed than expected (that's why I'm giving it 4 stars), but everything else was fine.

When I couldn't get a loan due to no recent history, I was approved and all I asked for was a chance. Now this helps me greatly, very pleased and everyone I talked to was helpful.

The experience was simple and clear. I required a co-signer, but it was simple for them too. They are kind and quick to reply, and I would suggest them if you have poor credit.

The company helped me out with a lon despite my bad credit. I wish funds were put in my account instead of my co-signers account but I am glad that they still helped me out.

Fast and simple. Customer service was nice and supportive. Took almost no time to pay out. Thank you for assiting me when I needed it.

Super smooth and easy-peasy! Ben, the hero 🦸‍♂️, worked his magic and got us the money we needed in a jiffy, like within a day! 🚀

They kept getting back to me and asking for a co-signer, and when I finally found one, they worked with me and my co-signer.