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Guaranteed Credit Approval

Consumer Fraud and False Advertising:

Guaranteed Credit Approval. Financing Guaranteed. We finance Anyone. We will Get it Done.

Guarantee Credit Approval.  Be wary and get help if you see this advertisement

You hear those advertisements all the time on the radio and TV. Credit Guaranteed. All you need is a job and pay stub. Rebuild your credit. Any deal.
There is no such thing as guaranteed credit. There is no such thing as guaranteed credit approval. Each and every transaction must be reviewed by a bank or lending source. The bank or the lending source make a decision to extend credit based on the credit score, your job and any one of numerous other items that might be applicable to the bank’s lending standards.

So when you hear the aforementioned promises or representations that there is guaranteed credit approval and all you need is a job or some type of pay stub this is quite frankly more likely than not false. Does it make sense that the bank would lend you money when you are not qualified to borrow the money. Absolutely not. Banks have lending standards. They do not lend money to anybody.

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“Sloppy or callous” practices by student loan servicers are still costing consumers money despite stepped-up enforcement efforts, according to a report from the Consumer Financial Protection Bureau (CFPB), which recently returned more than $11 million to more than 225,000 harmed consumers.

The CFPB said it also uncovered student loan servicer violations, such as failing to enroll qualified borrowers in affordable federal loan repayment plans. It is issuing updated procedures for student loan servicing exams.

“Our examiners continue to find sloppy or callous practices among some student loan servicers and other financial institutions that violate the law and put consumers at risk,” said CFPB Director Richard Cordray. “If their practices hurt consumers, they need to rethink and change their practices in light of the actions and observations found in this report.”

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False Claims lawsuits and recoveries

The state of New Jersey has what is known as a False Claims Act. The False Claims Act permits individuals to recover monies for discovering and reporting those individuals or entities who have profited from fraud on the government. One such area of fraud is Medicaid and Medicare fraud. As an example, if a medical professional office was billing for items in Medicaid and Medicare for which they were not permitted in this was discovered by a person and they filed suit it would be entitled to recover a percentage of the recovery.

Recoveries for false claims lawsuits is in the billions of dollars. The areas of litigation range from healthcare to government contracts.

 

 

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Carroll is a very accomplished professional. With more than 30 years of experience he has a certain way of doing things. In this role-play I attempt to show him how the use of logic and mathematics is far superior to BULLSHIT and works far better with today’s informed consumer. You make the call…

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