Ron L.

Completely frustrating and infuriating.
I got their secured card and their credit builder loan.
They boast about their FAST credit rebuilding... what a joke... you're basically paying them to damage your credit.
My card showed up on my credit report today finally after 4 months. I've only used the card a couple of times and paid the balance within 2 or 3 days of using it. I've never been late and havn't even used the card for the past 2 months. All of my statements have a $0 balance.
So today my credit score is down 20 points because Refresh reported me as 30-60 days late for January. November and December weren't even reported.
They are almost impossible to contact.
This is their fault and I want them to fix it.
Why should I have to go through the hassle of filing disputes with both credit bureaus.
Their credit builder loan is a joke too, it's a reverse loan where you pay them bi weekly for 3 years but they charge you interest on your own money. In the loan agreement it states that they will report to the credit bureaus on a monthly basis but mines only been reported twice in 6 months.
Check out all the negative reviews they have with the BBB. It sounds like there are a lot of frustrated people who havn't received their security funds back... OR Refresh has actually damaged their credit as in my case.
They're located in Kelowna BC, I'll definitely be dropping in for a little "chat" next time I'm down that way. (If they're still in business)