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Last month I contacted Quicken Loans and spoke to Malik. I had been monitoring my credit on Credit Karma and my TransUnion and Equifax scores were in the mid 600's and climbing due to me paying off my credit cards quickly.

I am interested in buying a home for the first time. All that is needed to purchase a home is a beacon score of 580. My chances should have been good right? Wrong!!

When Malik pulled my credit, he stated that he could only see my Experian report and for some reason it wasn't allowing him to see the others. This made no sense to me. Malik then stated to me that my Experian score was only a 520!!! What?!!

That's over a 120 point difference from my other 2!!! That made no sense either. I asked him to mail or email me a copy of that report as I am entitled to it. Haven't heard from him or received anything but an email of JD Power and Associates awards about Quicken Loans for the last 3 years.

I don't give a damn about that. I took it upon myself to pay for membership on a credit report website for access to all 3 of my scores and my Experian score is NOT a 520!!! It was even higher than my Equifax score by a few points. Again at that time in the mid 600's.

I have no idea where Quicken Loans gets it's information from but I now have a HARD INQUIRY on my credit report because of them I'm afraid to go to anyone else to buy a home because they will pull my credit again!! Malik has done nothing but lie and couldn't answer me about my own credit report??!! He stated that he was going to have his "credit team" take a look at it and see if they could come up with an answer or that I may have a block on my credit report. I definitely do not!!

Malik stated that he was going to contact me when his "team" was able to figure it out. Still never heard ANYTHING. BS!! Quicken Loans should remove my hard inquiry and train their people better.

I am currently a few points away from being in the 700 score on all 3 of my reports.

I'm very dissatisfied with Quicken Loans. Thanks for NOTHING but bringing down my credit score and giving me a hard inquiry.

Reason of review: Poor customer service.

Quicken Loans Cons: Credit score damaged, Lied constantly.

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Guest

You should have pulled an actual credit report of all three bureaus. Not just the score.

Some creditors report to different bureaus. And to get a mortgage it's the average of all 3 scores. One hard inquiry should not prevent you from obtaining a mortgage.

Get a good real estate agent and have them take you to a broker. They will find out the best loan based on your average score.

Guest

No need to swear, we understand your complaint. Another trick QL likes to play is to run a credit check on a married couple and state, "well, your score is 760 but hers is 699 and you need 700 to qualify for the best (advertised) rate. But they have done a much better job for me than that lousy Huntington Bank e had before could even think of ...

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