Ladder Loans
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Deceptive and a waste of time
Applied for a loan to consolidate several debt accounts into one. (Shopping for more favorable rates and terms). No late payments. FICO is 700+. Get a call back shortly after going online and redeeming my pre-approval letter that was mailed. After sharing a lot of personal financial info with their rep (Jonathan), he comes back, not with the loan I requested but a debt settlement company (ruins your credit) which he tried to pass off as a loan. After some intense grilling, he finally admitted to it. He then sent me a list of other loan companies with less favorable terms than what I am currently in and I would have to pretty much start the process over again. Not sure if this nonsense is indicative of the company or just a lazy employee stuck working on a Friday evening.