A Credit Score Nightmare: My Horrific Experience with Moneyman
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Editor's Summary
I'm still trying to process the nightmare I had with Moneyman. They promised to help me improve my credit score, but what I got was a bunch of useless advice and a bunch of unnecessary fees. I'm sharing my horrific experience to warn others about the dangers of using their services.", "pros": [ "They have a user-friendly website that's easy to navigate", "Their customer support team is responsive and helpful", "They offer a free credit score check", "Their credit monitoring service is pretty comprehensive", "They have a mobile app that makes it easy to track your credit score" ], "cons": [ "Their advice is generic and not tailored to your specific situation", "Their fees are way too high for what you get", "Their credit repair services are a joke", "Their customer support team is only available during business hours", "Their website is slow and often crashes" ], "faq": [ { "question": "Is Moneyman a legitimate credit repair service?", "answer": "I wouldn't say they're entirely legitimate. They promise a lot but deliver very little." }, { "question": "Can I trust their credit score advice?", "answer": "Honestly, no. Their advice is generic and not tailored to your specific situation." }, { "question": "How do I cancel my subscription?", "answer": "It's a pain, but you can cancel your subscription by contacting their customer support team." }, { "question": "Do they offer any discounts?", "answer": "No, their prices are pretty standard and not negotiable." }, { "question": "Can I get a refund if I'm not satisfied?", "answer": "It's not easy, but you can try contacting their customer support team to see if they'll give you a refund." }, { "question": "Are their services worth the cost?", "answer": "Honestly, no. Their services are way overpriced for what you get." ] }, "meta_title": "A Credit Score Nightmare: My Horrific Experience with Moneyman", "meta_description": "Don't make the same mistake I did. Read my review of Moneyman and find out why I wouldn't recommend their credit repair services to my worst enemy.", "og_title": "A Credit Score Nightmare: My Horrific Experience with Moneyman", "og_description": "I'm sharing my horrific experience with Moneyman to warn others about the dangers of using their credit repair services. Read my review to find out why you should avoid them at all costs.
Specifications
I've gotta say, my experience with Moneyman was a total disaster. Nothing good to say about it. I've got a great credit history - high credit score, multiple credit cards, and a successful history of using credit products. Never had any issues before.
Most people have those moments when they need some cash for a few days. Banks take forever, and credit cards aren't always an option. I've used microfinance services before, but only once, and that was with a different company. I closed my loan successfully, but I wasn't impressed, so I didn't want to use them again.
Moneyman promised a 0% interest first loan (that's attractive, I'll admit), easy registration through government services, and simple repayment. It seemed convenient, but it turned out to be a nightmare.
Here's what went wrong: while I was filling out the application (and I didn't even finish it), I got a ban without any way to unlock it. No idea why. Company policy, I guess. Fine, in this competitive market, you've got to expect that.
The real problem was when I got a ton of spam texts on my phone with loan offers from unknown microfinance organizations. It turns out Moneyman just sells your data immediately. My credit score took a hit because of the rejection and all those fake loan applications. Lucky for me, I didn't upload my passport photo, or it would've been floating around online.
I strongly advise against using Moneyman if you don't want to waste your time and have your personal data compromised. It's not worth the risk, trust me.
