954-779-6565

I received a call from 954-779-6565 libertyunsecured loan or liberty unsecured loans. They stated to me that I was approved for a $ 25,000 loan that was unsecured so I didn't need any asstets and that all I needed was to sign a couple of forms and pay my first 4 payments of my loan upfront as form of an insurance policy. Once I did this I would be issued $25,000 direct deposit to my bank account at an interest rate of 4.9% for 5 years. The payment was suppose to be $470 a month. So I sent them almost $1900 which was the last of the money that I had in order to get this loan to get my life back on track. Since I sent the 1900, I have not been able to contact anyone at libertyunsecure and i certainly never received my loan as promised. This libertyunsecured loan company is a scam and I am doing everything in power to make sure that this never happens to anyone else.

that is such AN OBVIOUS SCAM.
do your homework from now on.

never send money for anybody that promises you a loan,its a scam 9 out of 10 times.... save your money you need your credit repaired call 704-729-7000 ask for Scott or go to getprimecredit.com its well worth it

ADVANCE FEE LOAN SCAMS - from Federal Trade Commission Website

Advance-Fee Loan Scams: ‘Easy’ Cash Offers Teach Hard Lessons
http://www.ftc.gov/bcp/edu/pubs/consumer/telemarketing/tel16.shtm

Advance-Fee Loan Scams: ‘Easy’ Cash Offers Teach Hard Lessons
Looking for a loan or credit card but don’t think you’ll qualify? Turned down by a bank because of your poor credit history?

You may be tempted by ads and websites that guarantee loans or credit cards, regardless of your credit history. The catch comes when you apply for the loan or credit card and find out you have to pay a fee in advance. According to the Federal Trade Commission (FTC), the nation’s consumer protection agency, that could be a tip-off to a rip-off. If you’re asked to pay a fee for the promise of a loan or credit card, you can count on the fact that you’re dealing with a scam artist. More than likely, you’ll get an application, or a stored value or debit card, instead of the loan or credit card.

The Signs of an Advance-Fee Loan Scam
The FTC says some red flags can tip you off to scam artists’ tricks. For example:

A lender who isn’t interested in your credit history. A lender may offer loans or credit cards for many purposes — for example, so a borrower can start a business or consolidate bill payments. But one who doesn’t care about your credit record should give you cause for concern. Ads that say “Bad credit? No problem” or “We don’t care about your past. You deserve a loan” or “Get money fast” or even “No hassle — guaranteed” often indicate a scam.
Banks and other legitimate lenders generally evaluate creditworthiness and confirm the information in an application before they guarantee firm offers of credit — even to creditworthy consumers.
Fees that are not disclosed clearly or prominently. Scam lenders may say you’ve been approved for a loan, then call or email demanding a fee before you can get the money. Any up-front fee that the lender wants to collect before granting the loan is a cue to walk away, especially if you’re told it’s for “insurance,” “processing,” or just “paperwork.”

Legitimate lenders often charge application, appraisal, or credit report fees. The differences? They disclose their fees clearly and prominently; they take their fees from the amount you borrow; and the fees usually are paid to the lender or broker after the loan is approved.

It’s also a warning sign if a lender says they won’t check your credit history, yet asks for your personal information, such as your Social Security number or bank account number. They may use your information to debit your bank account to pay a fee they’re hiding.
A loan that is offered by phone. It is illegal for companies doing business in the U.S. by phone to promise you a loan and ask you to pay for it before they deliver.
A lender who uses a copy-cat or wanna-be name. Crooks give their companies names that sound like well-known or respected organizations and create websites that look slick. Some scam artists have pretended to be the Better Business Bureau or another reputable organization, and some even produce forged paperwork or pay people to pretend to be references. Always get a company’s phone number from the phone book or directory assistance, and call to check they are who they say they are. Get a physical address, too: a company that advertises a PO Box as its address is one to check out with the appropriate authorities.
A lender who is not registered in your state. Lenders and loan brokers are required to register in the states where they do business. To check registration, call your state Attorney General’s office or your state’s Department of Banking or Financial Regulation. Checking registration does not guarantee that you will be happy with a lender, but it helps weed out the crooks.
A lender who asks you to wire money or pay an individual. Don’t make a payment for a loan or credit card directly to an individual; legitimate lenders don’t ask anyone to do that. In addition, don’t use a wire transfer service or send money orders for a loan. You have little recourse if there’s a problem with a wire transaction, and legitimate lenders don’t pressure their customers to wire funds.

Finally, just because you’ve received a slick promotion, seen an ad for a loan in a prominent place in your neighborhood or in your newspaper, on television or on the Internet, or heard one on the radio, don’t assume it’s a good deal — or even legitimate. Scam artists like to operate on the premise of legitimacy by association, so it’s really important to do your homework.
Finding Low-Cost Help for Credit Problems
If you have debt problems, try to solve them with your creditors as soon as you realize you won’t be able to make your payments. If you can’t resolve the problems yourself or need help to do it, you may want to contact a credit counseling service. Nonprofit organizations in every state counsel and educate people and families on debt problems, budgeting, and using credit wisely. Often, these services are low- or no-cost. Universities, military bases, credit unions, and housing authorities also may offer low- or no-cost credit counseling programs. To learn more about dealing with debt, including how to select a credit counseling service, visit ftc.gov/credit.


Where to Complain
If you think you’ve had an experience with an advance-fee loan scam, report it to the FTC.

The FTC works for the consumer to prevent fraudulent, deceptive, and unfair business practices in the marketplace and to provide information to help consumers spot, stop, and avoid them. To file a complaint or to get free information on consumer issues, visit ftc.gov or call toll-free, 1-877-FTC-HELP (1-877-382-4357); TTY: 1-866-653-4261. The FTC enters consumer complaints into the Consumer Sentinel Network, a secure online database and investigative tool used by hundreds of civil and criminal law enforcement agencies in the U.S. and abroad.

April 2008

Just When You Thought It Was Safe...Advance-Fee Loan "Sharks"
http://www.ftc.gov/bcp/edu/pubs/consumer/alerts/alt028.shtm

Just When You Thought It Was Safe...Advance-Fee Loan "Sharks"
A different breed of "loan shark" is preying on unwary consumers by taking their money for the promise of a loan, credit card or other extension of credit.

Advertisements and promotions for advance-fee loans "guarantee" or suggest that there's a high likelihood of success that the loan will be awarded, regardless of the applicant's credit history. But, to take advantage of the offer, the consumer first has to pay a fee. And that's the catch: The consumer pays the fee, the scam artist takes off with the money, and the loan never materializes.

Legitimate guaranteed offers of credit do not require payments up front. Legitimate lenders may require consumers to pay application, appraisal or credit report fees, but these fees seldom are required before the lender is identified and the application completed. In addition, the fees generally are paid to the lender, not to the broker or arranger of the "guaranteed" loan.

Legitimate lenders may guarantee firm offers of credit to credit-worthy consumers, but they rarely do this before evaluating a consumer's creditworthiness.

Advertisements for advance-fee loans generally appear in the classified section of daily and weekly newspapers and magazines. Often, the ads feature "900" numbers, which result in charges on your phone bill. Advance-fee loans also are promoted through direct mail and radio and cable TV spots. The appearance of ads in media outlets that you recognize - like your local newspaper or radio station - is no guarantee of the legitimacy of the company behind the ad.

The Federal Trade Commission says you can avoid being bitten by advance-fee loan sharks: Here's how:

Don't pay for a promise. It's illegal for companies doing business by phone to promise you a loan and ask you to pay for it before they deliver.
Ignore any ad - or hang up on any caller - that guarantees a loan in exchange for an advance fee. Legitimate lenders never "guarantee" or say that you will receive a loan before you apply, especially if you have bad credit or no credit record.
Never give your credit card or bank account numbers, or Social Security Number, over the telephone unless you are familiar with the company and know why the information is necessary.
The FTC works for the consumer to prevent fraudulent, deceptive, and unfair business practices in the marketplace and to provide information to help consumers spot, stop, and avoid them. To file a complaint or to get free information on consumer issues, visit ftc.gov or call toll-free, 1-877-FTC-HELP (1-877-382-4357); TTY: 1-866-653-4261. The FTC enters consumer complaints into the Consumer Sentinel Network, a secure online database and investigative tool used by hundreds of civil and criminal law enforcement agencies in the U.S. and abroad.

May 2000

Ohh my goodness I am so glad i did some research! I just spoke with someone there and was thinking about doing business with them! THANK U for your post!!!!

This company called and said that I was approved for 12,000 loan on the condition that I sign up with a credit management company. The company wanted 500.00 to get started on my credit repair. That is just a different way to ask for upfront money to get the loan. Don't fall for it.

I submitted a loan application with liberty unsecured about 5 months ago, and I spoke with a loan officer there who was very helpful.  He gave me a preapproval in the amount $28,500 with an "approximate" payment of $570 a month for 5 years.  He then stated that when he submitted my application for funding there was a problem with something on my credit report that was holding back the loan from going through.  He then referred me to a credit repair company.at a discounted price.  The credit repair company did an amazing job of not only removing the problem on my credit report that was holding back my loan from going through, but also removed a lot of things off my report... my credit score went up from 640 to a 720!  After they removed the problem off my credit report my loan went through 2 weeks later and got an interest rate of 6.75% and a monthly payment of $574 over a 5 year period.  Liberty Unsecured was very helpful for me, not only did I get the money to start my landscaping business but they even reimbursed me my money that I spent with the credit repair company.

I submitted a loan application with liberty unsecured about 5 months ago, and I spoke with a loan officer there who was very helpful.  He gave me a preapproval in the amount $28,500 with an "approximate" payment of $570 a month for 5 years.  He then stated that when he submitted my application for funding there was a problem with something on my credit report that was holding back the loan from going through.  He then referred me to a credit repair company.at a discounted price.  The credit repair company did an amazing job of not only removing the problem on my credit report that was holding back my loan from going through, but also removed a lot of things off my report... my credit score went up from 640 to a 720!  After they removed the problem off my credit report my loan went through 2 weeks later and got an interest rate of 6.75% and a monthly payment of $574 over a 5 year period.  Liberty Unsecured was very helpful for me, not only did I get the money to start my landscaping business but they even reimbursed me my money that I spent with the credit repair company.

Bill

What money did you pay upfront to Liberty Unsecured before you received the funding.

I recieved a phone call from Brian at Liberty Unsecured, I was told that my application had been recieved, and that if I could keep $510.00 in my bank account for 10-14 days my loan would be granted this was the proccessing period for a loan. They did not ask me to send any money at this time or any other. It made me think that possibly this company was legitamate. For I do know that it takes at least 5-10 business days to get a loan, with some companies. I have not kept the money in my account. I just don't have that kind of money when it is needed to live on. If so I would not be trying to get a loan to pay off bills and etc.

Laura S, have they contacted you telling you all the paper work went through and that your loan was approved?  Or did you just decline to continue?  Any details would be helpful.  
 
 I signed up on a spur of the moment for the credit repair service.  It seemed legit since they are both based in S. Florida and they have a staff of at least 5 people that I spoke to.  It just makes me worry with all the comments on here about people being ripped-off or not being provided with the credit improvement service.  In any event, I have a 3 day right to cancel, which I'm hoping they will honor without me having to get Visa/BoA/Lawyers involved.  
  Oddly, they sent 6 forms, but not the Right to Cancel form (which they mentioned in the email asking for all forms to be signed and returned but that one).  On the phone before suggesting "Improve Credit.me", they suggested I talk to a credit repair lawyer, and even said that for more serious cases they work with Lexington Legal, so I am going to call them back and tell them I am going to be working with Lexington Legal instead (Paralegals and lawyers).  "Improve Credit.me" employees are not lawyers.

Are you telling the truth about liberty unsecured, I have been working them since May and I did have to repair credit according to them.  After reading all this bad press I am so afraid I have been taken and'
I cannot afford this.  Did you really receive a loan please be honest~

Don't fall for their tricks.  They have very slick ways of getting you to pay for their "So Called" loans and credit repair.  The whole thing is really a bait and switch.  They don't want to give anyone a loan!  They want you to sign up for their "Credit Repair" program.  The whole thing goes something like this;

You have been pre-approved for 2 different loans one for 25k and the other for 20k.  You more than likely only wanted 30k.  But they tell you that you have a few blemishes on your credit and they have to be taken care of them  first.  They will tell you that there are only a few yellow flags, so it won't be any problems getting you that loan.  

To take care of the blemishes you have to sign up for the credit repair company ImproveCredit.me.  They will tell you that they work close with them and they can get you a deal.  Usually in the ball park of $492.00.  First of all they work close all right.  They are in the same office.  The owners of Liberty Unsecured are also the owners of Improvecredit.me.  So they get you to pay the 492.  They prefer some type of payment that is not disputable.  Their favorite choice is a pre-paid debit card.  They even train their sales people to tell potential clients to go to Walmart and get a debit card there.  

Once they get your money you're pretty much done.  You will have a hard time getting a hold anyone who can help you.  

Check out rip off report.  There are about 5 ripoff reports since April.

They are listed with the Better Business Bureau having a grade of D+

That's right a D+  as in right above an F in school!!!

DO NOT USE THIS COMPANY FOR ANYTHING!!!

P.S.  Any good replies in here are probably from paid employees.

Don't fall for their tricks.  They have very slick ways of getting you to pay for their "So Called" loans and credit repair.  The whole thing is really a bait and switch.  They don't want to give anyone a loan!  They want you to sign up for their "Credit Repair" program.  The whole thing goes something like this;

You have been pre-approved for 2 different loans one for 25k and the other for 20k.  You more than likely only wanted 30k.  But they tell you that you have a few blemishes on your credit and they have to be taken care of them  first.  They will tell you that there are only a few yellow flags, so it won't be any problems getting you that loan.  

To take care of the blemishes you have to sign up for the credit repair company ImproveCredit.me.  They will tell you that they work close with them and they can get you a deal.  Usually in the ball park of $492.00.  First of all they work close all right.  They are in the same office.  The owners of Liberty Unsecured are also the owners of Improvecredit.me.  So they get you to pay the 492.  They prefer some type of payment that is not disputable.  Their favorite choice is a pre-paid debit card.  They even train their sales people to tell potential clients to go to Walmart and get a debit card there.  

Once they get your money you're pretty much done.  You will have a hard time getting a hold anyone who can help you.  

Check out rip off report.  There are about 5 ripoff reports since April.

They are listed with the Better Business Bureau having a grade of D+

That's right a D+  as in right above an F in school!!!

DO NOT USE THIS COMPANY FOR ANYTHING!!!

P.S.  Any good replies in here are probably from paid employees.

Bill Conner is full of it! He probably works for the company or is a friend and is trying to lure business in. Remember folks, Florida has different Laws and it is easy fall prey when your out of state.

OH no... i didn't pay for anything but gave Brian my ssn and last 4 of my debit card/ck acct...i guess i made a huge mistake! He gave me the speech about keeping a ck balance of at least $310.00, doing the credit repair thing with robert upsatirs($492), and i declined going any further with him. He just couldn't understand why I did want to take the approved loans. Right after I hung up i realized how much info i had given him...btw the number he called me from was 954-779-6565 on my caller id...wut shouold i do next to protect myself

Hey did anyone talk to Kellie at liberty unsecured?  Well iam a pre-victim also. Ive sent the $492 to Improvecredit.me and weeks later the sent me 3 sealed envelopes with certified postage cards attached to them with a letter stating i had to mail them off to the 3 credit companies, well i did so, and now im waiting in the dark for weeks, I spoke with a Michelle several times and she told me when the reports come back from the credit report companies send it back to them for their Reviewers and then they will take it from there to see if i will get the loan from Liberty Unsecured......Can anyone tell me if they really help take blimishes off my credit report?

i was talking to this lady named kelly at first me and my wife to get a loan and the they switch us over to ruth so we called for ruth a week later they said she no longer works for them so we started talking to a man named john he said for me and myh wife to pay 492 to tweak her credit, he said her credit score need to be raise and some blimishes need to be taken off so i told my wife what he said and she just bought a brand new car 2011 toyota camry and she said why do my credit need to tweak her credit is not bad we been to several bamks and the most the would give her is 5,000 we need at least 20,000 thats why we contacted liberty, so i thought about yeah my wife just got a brand new car with only 500 dollars down a low interest rate so me and my wife went on the internet and pulled all three of the major credit ocmpany's, equfax,experian,transunion, and we event went to bank of america nad paid 30.00 dollars to get a FICO Score, MY wife credit was a 645 perfect credit and mines is a 635, our credit score is spotless so we talk to john and we ask what do yall need to take off her credit all he was saying was she got some blimishes, he said he credit people pull the report and tell him, so we said
can we speak to the credit department he said you cant unless you pruchase the 492.00 package so we hit him with the news, we told him that we got all three reports in front of us now and they are spotless with only 2 inquires and known of the inquires come from your company


so people LIERTY UNSECURED is a scam and if they tell you they ran your credit invest in one dollar and pull your credit report and look at our inquires (inquires are on your credit report when ever someone pull your credit they are a rip off



ME AND WIFE JUST GOT A THIRTY THOUSAND DOLLAR LOAN WE GOT MY MOTHER TO COSIGNED.

I NEED THE MONEY TO GET MY DEALERS LICENSE TO SELL CARS AND LATER ON DOWN THE ROAD GET MY OWN CAR LOT


BILL CONNER WORK WITH LIBERTY UNSECURED




AND LIBERYT DO NOT WORK WITH LEXINGTON LAW ) MY COUSIN USED LEXINGTON LAW AND IT DID TKAE THIS 6 MONTHS TO ERASE SOME NEGATIVE STUFF BECAUSE HIM AND HIS WIFE TRIED TO BUY A HOUSE AND HIS CREDIT WITH BAD ) IT YOR CHOICE I KNOW LEXINGTON LAW WORKS AND I DONT THINK THEY WOULD BE HAPPY IF THEY KNEW THAT LIBERTY TOLD A STORY ON THEM SAYING THEY WORK WITH THEM

if they are so sure your are going to get the loan and then they reimburst you your 500.00 dollars what was the point of them taking the 500.00 if they are the company giving the loan, i think they should give you the credit service free since you is taking a loan out with them

just think about it liar if they gave you the 500.000 back then that means the serivce was free so why would they ask for it any way dumb [***]


dont nobody fall for bill conner he works with them

God sees you and ill repay you in kind, if you don't repent!!!!