I am just so tired of the whining, and the down right lying, that goes on in these review pages. Fact of the matter is.... none of us would be asking these Onemain for money, unless we have made a complete mess of our OWN financial affairs ! Why on earth DIDN'T all you whiners go to your bank or YOUR credit union to straighten out your affairs? Oh that's right....you've got such a poor credit history, that no one will touch you !! When you sat down and signed the paperwork when Onemain agreed to help reverse your teenager like spending habits of the past, you were all smiles and thank you's. But when it comes time to make payment 8 or 9, and you've got no more of that excess cash in the bank, nor have you started to prepare budgeting what you'll need each month to make good on that loan....well.... now you're Inspector Gadget of the Federal Banking Association, and you're claiming to everyone who will listen....Onemain are crooks. It's pathetically funny, I've yet to read a review where someone says that they are a CPA and have figured out that Onemain is stealing from them. as well, I've also yet to read where one of these deadbeats tells of a successful story of how "I got my lawyer on them" !! Oh please....you don't have $200 to pay your monthly note, yet you've want us all to believe that you've got a lawyer who says you're right and will fight for you. And not for nothing....I can't see any attorney taking this kind of case for less than a $1500 retainer. JUST GROW UP , AND PAY BACK WHAT YOU AGREED TO. You were lucky that these people loaned money to you in the first place. I have absolutely zero sympathy for people like this/. I believe they will be deadbeats their entire lives. It's truly sad. I say that because once or even twice when I was younger, and then again when I wasn't so young....I allowed excuses to get me into financial trouble. My numbers sucked 550. THAT"S right 550 !!! Couldn't get a lollipop on loan! Then I grew up. I joined CreditKarma for free, and then opened up credit cards that I paid on early, and even several times a month, instead of spending on things that were asinine. I took a personal loan through Onemain and paid all my old balances down to zero. Closed those old cards out, repaid my onemain a bit ahead of time, thus saving money. I wrote to Experian and the other 2 on accounts that should NOT have still been on my report. If you don't ask that they be taken off, they'll remain there. and even though 10 -15 years has pasted no one will question them. But they sure still add up against you when you apply for ANY kind of credit !!!!!! So to continue on my story....after paying Onemain back, or I should say CitiFinancial, as that was their name then, I applied on CreditKarma for a car loan and was approved by 5 different companies. I'm into my 14 month of payments, my number has grown to 780 and I get pre approved offers monthly. But the key to my story is......STOP BLAMING ANYONE YOU CAN FOR YOUR DYSFUNCTIONAL FINANCIAL HABITS. START TODAY TO TURN IT ALL AROUND , AND WITHIN A YEAR.....YOU CAN BE SMILING ALL DAY, EVERYDAY, INSTEAD OF ONLY WHEN YOU FIND SOMEONE TO GIVE YOU A HIGH INTEREST LOAN !! GET WITH IT !!!
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This company gave me a loan when i needed it but refused to lower the interest rate after I improved my credit score and was receiving offers from other places. Don't borrow from them unless you are prepared to pay incredibly high interest rates. When I borrowed from them, they didn't even apply anything to the principal until 4 months later. I payed 290.00 and the interest was 290.00 for 4 months. On the 5th month they applied 35.00 of this to the principal. Shame on them for taking advantage of people who want to help themselves and shame on them for not changing their rates once my FICO went from 590 to over 700. I took money out of my 401K and got rid of them. Beware! Their practices should be illegal. Oh and they definitely try to push all the extra insurance you don't need.
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