Zhana
Reno,#2UPDATE Employee
Fri, June 20, 2008
We apologize for the misunderstanding and inconvenience caused to Mr. Wooldridge. I have reviewed the file and complaint of Mr. Wooldridge and came to a conclusion that his accusations are ungrounded. Our Credit Analysts are very experienced in the field and provide expert knowledge to every client. After receiving the Application from Mr. Wooldridge, the job of the credit analyst was to review the application, obtain personal and business reports, government records, analyze financial statements, perform an Expert Review on the account and assist in clearing conditions. Clearing Conditions means resolving all potential problems that could negatively impact Lender's decision to approve the loan. This is why Mr. Wooldridge came to EZUnsecured.com in the first place we are Consultants, who consult Business Owners, give them our knowledge and expertise, help prepare the Application and put it in the best possible position before the Lenders. This is what the $200 Review Fee was paid for. After analyzing the file and credit report, our credit analyst identified potentially negative problems on the credit file to Mr. Wooldridge, which were high balances on some of the credit accounts. After that Mr. Wooldridge accused us of making mistakes, making up those issues in order to have him pay more service fees, refused to accept the fact that those issues could impact his application process with lenders, called our practices predatory in nature. In fact, there was no error done on our part. All information presented to Mr. Wooldridge was directly obtained from Credit Reporting Agencies. We have no control over what is reported to Credit Bureaus by Creditors. Mr. Wooldridge came here for an expert knowledge this is what we gave him. Whether he accepts it or not it is his choice, but his decision will impact whether he will be approved or denied by lenders. To give an analogy, a person cannot tell a doctor to give him a cough medicine when he is having a heart attack. Doctor is the one to decide what steps to take in order to resolve the condition. Whether to follow instructions or not is the patient's choice. In addition, after receiving this complaint, I contacted Mr. Wooldridge by phone on June 19th in order to amicably resolve this issue. I offered a Full Refund of a Review Fee, as he requested, but unfortunately Mr. Wooldridge was not interested in it and refused. My attempts to mutually resolve the issue were unsuccessful. I will stress again, that there was no mistake done by EZUnsecured.com. These accusations are strictly subjective and have nothing to do with the work or services provided to Mr. Wooldridge by EZUnsecured.com. Defamation of the name of our company in this case is wrong and should be addressed by proper regulatory agencies. Sincerely, Zhana Tomak Office Manager EZUnsecured.com