Jr boulding

Review of Earnest Inc.

Do not waste your time and risk your credit score ...

Do not waste your time and risk your credit score with this company. Once you complete the application online, they bait you with a reasonable interest rate after you give them permission to do a soft inquiry on your credit report only to keep you moving forward with the process. After I gave permission for them to run my credit report and do a "soft inquiry" they offered me a 5.33% fixed interest rate. I called to confirm after seeing this and the lady told me as long as the credit report matches the documentation (which it did) that interest rate should be very accurate. I moved forward and gave permission for them to do a hard inquiry only to come to find out the 5.33% rate changed to a 6.5% fixed rate w a payment much higher then I already have. I called and spoke with Peter only to be fed a bunch of bs and in the end he said there's nothing they can do for me. I have a 790 credit score on 2 of the credit bureaus and a 800 on the 3rd. No late or missed payments on ANY of my accounts on my report. BEWARE! this company uses the hook line and sinker method only to get access to your final credit report (hard inquiry) and unless your a doctor or surgeon your not getting anything less than a 6% fixed with these guys. I now have to wait 2 yrs for this unnecessary hard inquiry to fall off my credit history. Thanks earnest!