CreditReportsSite .com, Credit Reports Info

I recently applied online for a personal loan through CitiFinancial?

A guy called me from claiming to be the “Sales Manager” well he went on to tell me that my credit is not good and I didn’t establish my credit until 07 which is not true because I purchased my first car in 05. I know I do not have bad credit either because last year I purchased another car and my credit was great. So i though I maybe had fraud on my report. One of my credit cards was offering an Identity Theft thing so I ordered my credit report and score. When I got it my score was 100 points higher then what the guy and CitiFinancial told me it was. There was also no fraud. They were both pulled from Experian. Was he trying to get over on me? Why would he tell me my score was 100 points less? Can I sue him for this? SERIOUS ANSWERS ONLY PLEASE. By the way I never got the personal loan, he wanted 20% interest for a $5000 loan. I’m not stupid

You can not sue him. He will say he made an innocent mistake.

Just be glad you didn’t go any further with his company. It was their way of saying they didn’t want to loan you the money.

They really only want to do “secured” loans; not personal loans. And most personal loans are under $1,000.