![]() Account reviews and preapproved offers fall under the category of soft inquiries, which have no effect on your credit scores. There are two types of credit inquiries: hard inquiries and soft inquiries. Most commonly, inquiries are the result of an application for credit, goods or services an account review made by a company that you already do business with or a preapproved offer of credit that has been sent to you. Inquiries are entries that appear on your credit report when your credit information is accessed by a legally authorized person or organization (FreedomRoad Financial). Because of my past experience with the credit bureaus and the identity theft I do not want this credit check that is not associated with any loan, on my credit report. Experian said she could not remove it and it had to be removed by Freedom Road financial. They told me I had to reach out to experian, which I did. They told me they could not do it and or refused to remove the credit check. It said yes this was a credit check and it was valid end of story. I received an innocuous letter from Freedom Road financial in reno. ![]() We emailed at length for several days and then they ghosted me. And I got email response from bancorp regarding this. It was not.So then I reached out just recently to the CEOs of Freedom Road financial, evergreen bank group, and Bancorp, since they are all interconnected and owned by each other. She told me she was passing the matter on to another **** and within 30 days the credit check would be resolved. ![]() I reached out again and talked to a supervisor at length via conversations and emails. The reasons are in my letters, they relate to my identity theft situation beginning in Dec 2019.The woman assured me that their credit check of theirs would drop off after 45 days. I reached out to to Freedom Road financial in **** and requested that they remove it. I did not purchase the motorcycle, nor do I have any connection with, or account with Freedom Road financial or BanCorp or that dealership.On Sept 3rd I noticed that their credit check was on my Experian credit file, even though I have absolutely no connection to them. I filled out the credit application made contact with experian since I have a lock on my credit and the credit check was done. They utilize Freedom Road financial as their credit agency. I was considering financing the purchase. We apologize for any conflicting information you may have received regarding the proceeds received from our insurance company. The amount applied to the loan was the shortage of $1,465.05 and the balance of $3,347.89 was returned to our insurance company. This would be the balance due if there had not been a physical damage claim submitted by Evergreen Bank Group/ Performance Finance.Įvergreen Bank Group/Performance Finance put in a physical damage claim with our insurance company.The claim amount received was $4,812.94. The unit was sold for $13,939.50 we also received a refund for GAP Insurance for $524.20, and refund on warranty insurance for $1,409.40. As of the principal balance on the loan was $14,938.30, interest owed as of sale date is $801.65, late fees of $19.64 for each of the following months and repossession fees of $1,050.00 from and $450.00 from. The unit was put out for repo and as of the unit had been secured. The contract was for 60 payments of $392.87 starting. The amount financed with Performance Finance was $16,518.06 and the date of contract was with an Annual Percentage Rate of 14.99%. You can spend hundreds improving your credit now, vs. Even worse, your interest rates mean paying thousands extra (when you don't have to) over your term length. If you have bad credit? You're boxed into a limited set of terms and options. Don't expect to avoid down payments (and high monthly fees) when your credit score is bad.
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