I Buy Junk Mail

Can This Credit9 Mailer Lead to a Debt Settlement Sales Pitch?

Written by Steve Rhode

At first glance, the mailer a reader just sent in for Credit9 appears to be just a vanilla personal loan mailer. However, two things caught my eye. The first was the nearly unreadable disclaimers on the bottom of the Credit9.com site.

The second quick thing was when the privacy policy said, “The Americor Financial (“We” or “Credit9”)”. So is there a direct relationship with Americor or related companies where a consumer might be flipped and pitched debt relief services instead of getting a loan?

There is also this direct link between Americor, Americor Funding, and Credit9. The Americor client login uses the same California lender registration number (CA CFL 60DBO-83965) that Credit9 uses.

A recent comment on Someone Asked Me About Americor Funding Personal Loan Offer makes some statements that would make me suggest that if any consumer is pitched debt relief services after applying for a personal loan they should take a closer look at who they are dealing with. Here are some free guides to use.

  1. The Ultimate Consumer Guide to Checking Out a Debt Relief Company Before You Sign On the Line
  2. 10 Must Do Steps to Find the Best Credit Counseling or Debt Settlement Company for You
  3. How to Check Out a Business or Company to Avoid Getting Scammed or Ripped Off

This mailer was sent to me through my I Buy Junk Mail program. If you have junk mail you’d like to sell, click here. To see other mailers, click here.

Another issue that makes me furrow my brow is why does the Credit9 mailer try so hard to look like official mail?

Credit9, Inc does have an A+ rating with the BBB at the time of this post. Curiously they have a 1.5 star rating also.

I did feel like the company response to this consumer complaint on the BBB site was kind of a swing and a miss.

READ  Another Americor Funding Mailer to Review

The issue was not the credit card part.

Another comment adds to my wondering if the loan mailer may lead to something else. A BBB commenter got this response allegedly from the company.

“Once the full application is received and full credit is ran, a client may receive a modified offer. We certainly hope to provide clients with the mailed offer but if we can not we provide modified offers to serve as the best financial option based on findings in the full credit review. The Conditional Line of Credit is a pre-qualified offer. After your enrollment into our program, you receive instant approval for our Conditional Line of Credit, as low as 0% APR for 12 months. It becomes available to clients after they have made 12 consecutive payments into their dedicated accounts and have met other internal requirements, so they can pay off their remaining creditors. ”

If anyone receives a mailer from Credit9, contacts the company, and is pitched an alternative product instead of a straight loan, I’d be most appreciative if you could provide feedback in the comments section below.

About the author

Steve Rhode

Steve Rhode is the Get Out of Debt Guy and has been helping good people with bad debt problems since 1994. You can learn more about Steve, here.


  • I received a debt consolidation mailer from Credit9. Once I called to inquire about the 0% 12 month offer they immediately asked me how many credit cards did I have with balances over $650. The rep said if I have less than 3 cards to consolidate it would not provide me a lower payment then I currently have. They are a third party debt consolidation company that works with outside lender partners they forward your information to. After an application is taken they will then make a suggestion on what service they will offer you to consolidate your debt but it will more than likely not be the offer you received in the mailer. The rep said that is just advertisement not a real offer.

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