I had a missed call from an 800 number on my phone today. Figured since I was applying for jobs and that I wanted to not miss any employment possibilities, I returned the call. I heard 'USA Credit' when they answered and I figured I might be talking to a collection agency (since I have a few overdue bills) and then they started to tell that I have been qualified to receive $7500 in credit that would be reported to the 'credit agencies' within 30 days of my account activation.

After giving them some information or verifying what they knew about me, I was transferred to another operator who went in for the kill. I gave them my bank routing number, but not the account information. This was to verify that i actually had a real bank. I then became suspicious that they were going to charge me. From what I see, most of you are quoting $149 and change and a $7000 credit line, which does not match what I was hearing. They quoted me $109 that could be taken out at a later date.

When I asked about pricing and that I needed to pay shipping, she would not give me any specific information. I asked to speak with a supervisor and then waited a few seconds. I was rebutted by telling me 'Don't you want to improve your credit?'

I again asked for a supervisor and then started speaking to a man who was so vague, could not quote me any shipping charges for a typical order or even pricing. When I tried to pin him down to prices of the products or brand names (they quoted Sears, JC Penny's and Wal-Mart as stores that they had items could buy from) he was not able to tell me if I could get Tide or Sony products from his website.

Since I was on the road, I could not write anything down, nor did I want to give up anymore details, I told him I would look at the website, but it took me a while to find it, since I barely remembered the name. I finally did a google search and saw more info to the negative than their official website.

If it sounds too good to be true, it usually is. I'm glad that I was not ripped off, but other things have been attached to bank accounts or credit cards in the past and I have lost thousands, but now I am more protective. My one saving grace is that I don't use my legal name anymore on the internet. So if they are seeking true information and my pseudonym does not match their database I know they received my information from a viable source. When someone contacts me unsolicited, like others have claimed from a payday loan or some other way that I have not pursued knowingly, I become skeptical.

Much luck to those of you that were taken advantage of in this way. I hope my post will lend itself to other BEFORE something happens to them as well. Thanks for reading.

I did not authorize a with drawal from my checking account of 149.99 to USA Credit. but they took my money and that 1 hour loan that they say you can get, well you don't get. All you get is taken for your money. I am disable and get help once a month. But the little money that I did have for my grandchildrens CHRISTMAS IS GONE. I HOPE YOU GO TO JAIL FOR LIFE. PEOPLE LIKE YOU SHOULD GO TO HELL.

I had filled out a loan application with them. I didnt know that they ask for your banking information to put money in your account only to take it out again. Why would I apply for a loan if I had money in my account. They hadnt contacted me by phone neither by email, to tell me that they had deposited the money into my account. If they would have contacted me to notify me of their transaction, they would have found out that my bank account was zero. They deposited money into my bank account without informing me and took it right back out causing my account to be overdrawn with money I never knew I had in my account. I went to my bank and they told me that I had fees and charges for those returned checks. Im angry they should have notified me of that activity, now they think theyre slick because they got my account information. How can they put money in my bank account and I have no way of getting it out, because my check /atm card hadnt even came in the mail that day. My bank account is ruined because of them. Now I know better not to ever fill out any kind of loan application over the internet. People like them make it hard for a struggling female like me to get help.

I received a email saying that USA Credit could restore my bruised credit rating So I contacted them and after talking said no thanks but stupidly have already given them my bank info. About five days later I saw a charge pending on my checking account for $195, 00 so I called them and told them that the charge would be returned by my bank for NSF and they said OK but we cabprovide you will all the same services for just 69.95 and I said no thank you. So yesterday I saw a pending charge for $69.95 I called my bank and reported the charge as internet fraud they said it will take 3 to 4 weeks to resolve the problem.

RIP OFF FRAUD