Business ProfileforLadder Loans

***************, *************** I am writing you to share my experience with your employee *******************. In the beginning he was helpful. I was very concerned about my credit score and he answered my questions. We reviewed my accounts and selected a few for the Beyond Finance program. He led me to believe that even though my credit rating would decrease, the accounts that I kept would remain the same without out any recourse from the program. That was not true. As soon as my credit score dropped, my credit score dropped over 200 points in less than two months. My creditors **************** began reducing my credit limits down to $1000 from ****** credit limit based on my credit score and other creditors like ********* and *********** closed other credit accounts based on my credit score. My home owners and car insurance went up due to my credit score as well. I went from. 760 credit rating down to a 565 credit rating. I specifically asked ***** if I gave one of my synchrony bank accounts to the program would that affect my other accounts I had asynchrony bank. ***** told me no not from his experience. Well synchrony bank closed my other accounts I had open with them based on my low credit score. I am not pleased with this service at all and I have very little credit or credit limits on my open credit card accounts to work with since I entered this program with Beyond Finance. ***** completely mis lead me. My other concern I have with ***** is the rude email he sent me below. After I signed the paperwork for the debt settlement program with Beyond Finance, ***** said I could cancel the program at anytime. When I ended up refinancing my home and paid off all of my outstanding debt along with the debt I gave to Beyond finance to save my credit rating, Instead of ***** being happy that I was able to pay off my debt and save my credit rating, he sent me the rude email below which is unacceptable. I will never recommend ladder loans, beyond finance to anyone I know.