I have been denied repeatedly for personal loans that my family needs desperately because my sons medical bills are piling up and we're drowning, thus my credit is poor. Then I received a voicemail from John, company not clearly identified, and reported that I have been approved for the $8k loan I applied for. I thought my prayers were answered. I'm grateful I did a little digging into this company before I called them back. I can't imagine how much more trouble I would be in if I had gotten involved with them.