Credit Advice

Have a question? Have advice to share? The combined knowledge and experience of everyone in the Credit Karma community can help you. Enter your question or help others below to get started!


Posted in Auto Loans
Profile Image

Question By

0 Contributions
0 People Helped
Anyone heard of a company called 365-Credit, are they legit for bad credit auto refinance?
I applied on lending tree about a month ago to refinance, my credit is in the "poor" category. I received a call from a company called 365-Credit, the only information I can find on them is their website. They weren't able to tell me who the originating lender was that referred me to them (yes, red flag) but I've been trying to find any information about them before I give them any of mine. I also had applied through my personal bank, who confirmed that if they can't approve me, they will send it to underwriters to look over my information. Does anyone know if they are legit? Thank you so very much for any help!

Your Credit Scores Should Be Free. And Now They Are.

View your scores and reports anytime.

All Responses

Results 1-4 of 4Results per page: 5 | 10 | 25Page 1 of 1   Previous | Next
9 Contributions
127 People Helped
Most Helpful Response

I have heard of them

Helpful to 2 out of 2 people

I recently heard of them. Same scenario as you, applied through lending tree and was contacted by them. However they were asking for information from me they should have already attained by my application on lending tree. I believe that lending tree sells the information maybe, or 365 is somehow intercepting the information.  Either way, I wouldn't deal with them. They tried putting me on with Lexington Law as well, who also did not have any of my information. I simply hung up on Lexington Law (assuming that's who they really connected me to) to see if they'd try to contact me again and they didn't. It seemed fishy to ask for information of mine that was already submitted on an application for refinancing. I say it's a sham. 

1 Contribution
1 Person Helped

365 resources

Helpful to 1 out of 1 people

Yes, I was contacted by this organization as well and they were unable to provide me with any information regarding their company. The operator transferred me to Lexington Law. I hung up because I am not interested in Lexington Law, I'm interested in purchasing a vehicle. I would say that these guys are working off of leads from the internet.

1 Contribution
0 People Helped

365 Resources - South Dakota

Just received a call from them as well. I told her I don't give out personal financial information to mystery companies that call me out of the blue without any prior communication. I have no idea what form I filled out for them to have received my contactinformation.


Why isn't it a Federal Law that anyone who contacts you must disclose from whom they received your contact information? How is it possible that agencies are allowed to share your contact information without the resulting agency being required to disclose from whom your information was received? Why should we as consumers have to "guess" which agency shared your contact information either with or without permission? 


1 Contribution
0 People Helped

CCredit Karma gave them your info.

I filled out a short form trying to get a new car on credit karma.  Karma is the operative word.  Since then I have had strange numbers calling me asking for personal information.  They talk really fast trying to get your information but are slow to give there's out.  So while I was on the phone with this woman with the thickest accent I've ever heard, I googled the company 365 Resources.  The website really doesn't give any information.  So I asked her what do they do, and she says we do credit recovery.  I said no thank you. 

How do you start off asking someone about trying to get a car then start asking them all kinds of personal information that has nothing to do with my getting a car. 

Results 1-4 of 4Results per page: 5 | 10 | 25Page 1 of 1   Previous | Next

Your Credit Scores Should Be Free. And Now They Are.

View your scores and reports anytime.


Reply to this Question

Write your response:
Enter Your Comments

The Credit Advice pages of the Site may contain messages submitted by users over whom Credit Karma has no control. Credit Karma cannot guarantee the accuracy, integrity or quality of any such messages. Some users may post messages that are misleading, untrue or offensive. You must bear all risk associated with your use of the Credit Advice pages and should not rely on messages in making (or refraining from making) any specific financial or other decisions.