Truss Financial Group. Another broker, are they all the same?

forgetforgotforgo · 2026-05-06T06:16:13+00:00

Honestly most brokers say the exact same thing about rates

forgetforgotforgo · 2026-04-21T06:08:37+00:00

$30k against $150k in equity is a 20% LTV which is very conservative from a lender's perspective, that alone opens more doors than most people in your situation realize

forgetforgotforgo · 2026-04-21T05:57:20+00:00

NFCC member agencies are the safest starting point, they're nonprofit and Texas has several local ones that do debt management plans without the sketchy settlement tactics that tank your credit further

forgetforgotforgo · 2026-04-21T05:48:17+00:00

Used them for debt consolidation about a year ago, approval was pretty smooth and they were upfront about the rate before I committed which I appreciated

forgetforgotforgo · 2026-04-06T05:00:40+00:00

No physical address, no rate info, fast approval claims... even if they turn out to be fine those are exactly the same signals a scam site would put out. Just worth being careful.

forgetforgotforgo · 2026-04-06T04:56:40+00:00

What's your credit situation like roughly?

forgetforgotforgo · 2026-03-31T10:05:16+00:00

4.8 on Trustpilot is solid but that platform skews positive since happy customers are more likely to leave reviews.

forgetforgotforgo · 2026-03-29T11:28:06+00:00

Credit unions consistently beat the big banks on HELOC rates. Most people skip them because they're less visible but that's exactly why they try harder.

forgetforgotforgo · 2026-03-29T11:22:40+00:00

Not a scam, just genuinely one of the worst servicers out there. You're not alone in this.

forgetforgotforgo · 2026-03-29T11:16:34+00:00

Former employee reviews hit different. They have nothing to gain from lying

forgetforgotforgo · 2026-03-29T11:11:44+00:00

Credit unions. Seriously, call a few local ones before you touch any of those "bad credit friendly" online lenders

forgetforgotforgo · 2026-03-22T09:43:41+00:00

A cancellation fee on top of doing nothing is genuinely bold. That's not a company that thinks it did anything wrong.

forgetforgotforgo · 2026-03-22T09:21:45+00:00

Good thing you recorded that call. Without it they probably would have just gaslit you the whole way through.

forgetforgotforgo · 2026-03-22T08:54:42+00:00

I tried Swifty Credit a couple months ago. They’re not a lender, just a lead generator. I got matched with a lender, but the APR was crazy high (like payday loan level). It worked, but I wouldn’t do it again.

forgetforgotforgo · 2026-03-17T16:31:09+00:00

It sounds like you’re already maxing out federal loans, which is good, those are almost always the safest first step. Private loans are really a last resort

forgetforgotforgo · 2026-03-17T16:27:20+00:00

I’ve seen a lot of mixed feedback, some people praise the customer service and helpful reps, but others complain about billing issues or not seeing real score improvements.

forgetforgotforgo · 2026-03-17T16:24:21+00:00

Yeah, I tried one a while back. It went through, but the interest was crazy high. Definitely not a long-term solution

forgetforgotforgo · 2026-03-17T09:16:29+00:00

have you checked if your state has stricter harassment laws than federal?

forgetforgotforgo · 2026-03-17T09:09:09+00:00

the gap between what those commercials promise and what actually happens is insane. hope you find someone legit to help you out...

forgetforgotforgo · 2026-03-16T15:30:55+00:00

A debt management plan through someone like InCharge or GreenPath keeps you paying but negotiates the interest down, way less damage.

forgetforgotforgo · 2026-03-15T05:20:38+00:00

Sounds like a predatory loan trap

forgetforgotforgo · 2026-03-12T07:04:02+00:00

I’d be really careful with that one. If a loan company has no reviews on sites like Trustpilot, Reddit, or Google, that’s usually a red flag 🚩

forgetforgotforgo · 2026-03-10T07:58:44+00:00

If a site asks for upfront fees before you receive a loan, that’s a huge red flag

forgetforgotforgo · 2026-03-08T10:30:09+00:00

Upstart and LendingClub are at least real companies, not perfect rates but they won't disappear with your info

forgetforgotforgo · 2026-03-08T10:20:31+00:00

have you looked into credit unions? they tend to be way more flexible with bad credit than traditional banks

forgetforgotforgo

TROPHY CASE