First Direct Lending, LLC Mortgage Complaint

First Direct Lending, LLC Mortgage department,

VA mortgage Credit decision / Underwriting Colorado

I was considering refinancing my home and entered my information online to have various mortgage companies contact me. One that did was First Direct Lending in -, CA. When they called, I spoke to a person named - - While attempting to get the rates I would qualify for, - said the only way that he could provide those rates was to do a " soft credit '' check with - credit bureau. I inquired as to what that is and how it would affect my credit score ; he said it would not affect it because it is treated as an " inquiry. '' Therefore, the only way for me to get this rate was allow - to do the " soft check. '' After receiving the rate, I told - I would think about it and that was the end of my contact with - and First Direct Lending.


I have called - at First Direct Lending several times without a response back. On -/-/2015, I spoke to the receptionist and told her my situation and that - was not returning my calls. She then transferred me to a person named -. I also left a voicemail and never received a response. I am concerned for a number of reasons with the first being the damage to my credit score because of the denial of credit that I never applied for to begin with. Second, is the fact that I was lied to about the " soft check '' by -.