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Businiess name:
Hampton Roads Finance Corporation
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Review by:
citysearch c.
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Review content:
Getting the loan easy. Making the payments on time not so much. What system overload, payment by the due date or it is considered late. What is th grace period for?\r
LIKE IT OR NOT- they are right. They didn't FIX MY CREDIT, I DID. (They just made me participate) \r
I had credit cards, student loans, medical bills plus colections and judgments. I paid (most of the time) but on MY schedule not neccessarily the companys. Every company put that on the credit report. Not one, not a single one of the credit comapnies ever took time to say ""you can pay late if you want to we'll make more money off you!"" Hampton Roads Finance did. They said right up front in the paperwork that they were giving the loan not beacuse I was a good creidt risk but in spite of the fact that I was not. The paper with the contract said right on it ""we care how you pay and expect you to pay on time or call Before you are late"" When you talk to the people at their office they say the same thing and I respect that. I have been late and benn on the ""dark side"" , I guess hearing the ""lecture"" all those time must have sunk in because calling in before hand if I have a problem DID MAKE A DIFF I learned - these people are for real, and want to be on my team. Paying on time meant making ME wait (not the bills) when I was out of money NOT spending my bill money on date night or whatever.\r
I want to buy a house some day and that means ""bad credit/bad house or no house"" OR ""good credit/nice house"" SO I read the others saying the loan company is mean or heartless. They havent been so far to me. But I have $12000 of their money. I am paying it back - I'm not the guy whining about why they owe me 16 options to pay them back, or the lady whos mad because she couldnt skip her car payment to buy xmas presents or the other crazys who don't knnow the diff between the car lot and the bank. ""sales people nice!!!/loan people mean!!!"" give me a break. The salesman would kiss your dogs butt if it meant selling the car! The loan company never even met me and paid down $12k. What's mean about that?
Pros: Help when you need or ask for it
Cons: High rates
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