Signature One Financial Review: Update

Signature One Financial Review: Update


In this Signature One Financial Review I want to talk about a Full Service Financial Firm that we have reported on in the past. Recently they have upped their game, amplifying their ability to make life easier for consumers across America. Just in case this is your first time tuning in, here’s a little about Signature One Financial in this Signature One Financial Review.

Signature One Financial is a nationwide full service financial firm located in Corona, CA. Signature One Financial takes pride in its approach to make the client’s needs first even when it means recommending a competitor to provide the financial service the client needs. Signature One Financial provides a wide array of financial services to its clients designed to meet their needs by tailoring the financial product around the individual rather than trying to sell a “one size fits all” financial product. Signature One Financial helps clients manage their debt and remove what may be the single biggest roadblock to financial freedom as well as design a retirement income plan utilizing tax advantage income strategies. So that’s a little background on Signature One Financial.


Signature One Financial Review: Transparency

Before I get into the details of what exactly Signature One Financial does in this Signature One Financial Review, I just want to talk about something that is incredible important. Signature One Financial has continued to cooperate and work with us, allowing us to conduct our extensive reviews. They have been completely transparent during the process of each Signature One Financial Reviews we have conducted. The level of transparency they give is not something we encounter all the time. Maybe only a handful of times this has happened with other companies. That’s why we continually give them 5 star ratings.


Signature One Financial Review: Services Provided

So now that we have covered the basic for those who many not be the most familiar with this company, we can now move onto more of the nitty gritty. The services provided by Signature One Financial.

So, what does being a full service financial firm mean? Well, it essentially means what you think it might means. They can pretty much help you with anything that is finance related. Do you have a massive amount of debt, and a need a solution? Signature One Financial can help you find one. Are you in the market for purchasing life insurance? Signature One Financial can help you. Are you beginning to thinking about your future, and where you should be putting your money? Signature One Financial have certified financial planners who have been working in the field for years. Here’s a list of some of the major services that Signature One Financial offers:

  • Debt Free Solutions
  • Emergency Savings
  • Health Insurance
  • Life Insurance
  • Medicare for Seniors
  • Retirement Planning
  • Fixed & Market Based Strategies
  • Personal Loans

One thing to note, all their business with insurance goes through Acquire Capital Insurance Services. A company that we believe to be trusted. Investment Advisory services are provided by Acquire Capital Management, Inc. 


Signature One Financial Review: Consumer Testimonials

Here’s a couple of consumer testimonials that confirms what we have been saying in this Signature One Financial Review.

“I got a personal unsecured loan from Signature One for 35k which i used to pay off my credit cards. My score was in the low 600’s i think bellow 630. my rate was 12% but I saved over 120 per month compared to my credit cards and my term was for 3 years. The Signature one agent said that was because their loan was simple interest not compound like my credit cards.”

“I have enrolled in this program through Signature One Financial with many doubts but so far, one out of my five credit card debts have been settled and the process was explained to me very thoroughly by my agent Chris Gaukler and everyone has been very understanding and patient. I’m hoping that everything will continue to go as smoothly as it has been and hopefully I will be debt free soon.”


Signature One Financial Review: Conclusions

In this Signature One Financial Review, The CFRB gives this Company 5 stars. Check Our Reviews page for more insight into trusted companies. Check our site for reviews of all kind. It’s great place to become more knowledgeable about the world of finance, and will shed some light on some of the scams out there. Check out the previous post by clicking here.

All in all, If you are looking for a company to help you out with some major financial decisions in your life, check out Signature One Financial.

Signature One Financial Review: Personal Loans

Signature One Financial Review: Personal Loans

In this Signature One Financial Review, we are going to do something a little different. We have talked about Signature Once Financial before. Signature One Financial is a company that is incredibly trustworthy. That’s why they are listed in our Resources page. Today, I would like to highlight a certain aspect of the Signature One Financial. We have talked about their debt resolution services in great depth. Now, I would like to take a gander over at the other half of this meat and potatoes kind of company in this Signature One Financial Review. I would like to talk about personal loans.


Signature One Financial Review: Loan Types

In this Signature One Financial Review, I’d like to talk about the different types of loans that Signature One Financial has to offer. Before I do that, I would like to clarify exactly what a personal loan is. Personal loans are known as “unsecured” debt because they are not backed by collateral, such as your home or car, as is the case with a mortgage or auto loan, respectively. Lenders will use your credit score to help determine whether to give you a personal loan and at what interest rate

So It’s not like they just give you a lump sum and let you decided what you want to do with it. Getting a personal loan doesn’t mean you receive money to go out and buy a new MacBook Pro. If you are reading this Signature One Financial Review, and that’s what you’re thinking, then you should just stop reading now. I suppose in theory, you could take out a loan at some pay day loan joint, no questions asked. Or through a Peer-to-Peer lending bank like Rise. The issue with those places is the terms they offer, and the rates they offer. You’ll end up paying way more in the end than you originally borrowed. Let’s take a look at the loan types Signature One Financial can help you out with.


Signature One Loan Types:

  • Debt Consolidation Loans 
  • Home Improvement Loans 
  • Short Term & Bridge Loans
  • Auto & Vehicle Loans
  • Small Business Loans
  • Baby & Adoption Loans
  • Engagement Ring Financing
  • Wedding Loans
  • Friends & Family Loans
  • Green Loans
  • Military Loans


If you’re new to the world of loans, you’re probably thinking while reading this Signature One Financial Review that some of these loans shouldn’t even be a available. Wedding loans and engagement ring financing? What do those two things have to do with Signature One Financial? Well, That’s just an example of the lengths Signature One Financial is willing to go just to help you. They’ve go their bases covered, and they are ready and able to help you through whatever life may throw your way.


Signature One Financial Review: Benefits of a Signature One Loan

What are the benefits of using the service that Signature One Financial has to offer? Well, you get everything you could every want when dealing your personal finances, and some perks that you’ll only find in the best companies around the country.

  • Easy Application
  • Fixed Loan Rates for the Life of the Loan
  • Loans are Unsecured with NO Collateral Required
  • Loans CAN be used for ANY Purpose (i.e. Medical Expenses,
  • Vacations, Moving, etc.)

    *Except Post-Secondary Educational Student Loans

  • No Balance Transfer Requirements
  • No Cash Advance Fees
  • No Early Payoff or Pre-Payment Penalties
  • Low, Fixed Monthly Payments
  • Control in Knowing Exactly What You Owe and When It Will Be paid Off

It isn’t too often that we come back and talk about a company this frequently. Signature One Financial is one of the companies that continues to comply with CFRB regulations, and remain transparent. They give us the freedom to properly do our reviews, so we can bring you the best possible content.


Signature One Financial Review: Conclusion

In this Signature One Financial Review, The CFRB gives this Company 5 stars. Check Our Reviews page for more insight into trusted companies. Check our site for reviews of all kind. It’s great place to become more knowledgeable about the world of finance, and will shed some light on some of the scams out there. Check out the previous post by clicking here.

Clearpoint Credit Counseling Solutions Review

In this review of Clearpoint Credit Counseling Solutions, we take a look at a local debt consolidation company that has been serving the public faithfully for a good while now. It’s always a good thing to look at the companies that are doing. You’ll often  find that one of the major keys to success is prioritizing. For most successful companies, their #1 priority is their consumer. That’s the one constant that I’ve found during my time of extensive research. Clearpoint Credit Counseling Solutions is based in Georgia, but they have over 40 branches spread across the country. They have been around for a whopping 50 years! They’ve taken an oath to make the financial well being of their clients a top priority. Clearpoint Credit Counseling Solutions does things a little different. Instead of just offering solutions, they give consumers the tools they need to handle their finances properly, and make smart decisions. What are consumers saying?

One Consumer said, “The folks at Clearpoint took a look at my situation, and helped me come up with a plan that would allow me to eliminate my debt. It was going to take a couple of years, but I was going to be able to keep my house. So it was worth it. I noticed the effects of our plan right away!” Another consumer said, “After setting a reasonable monthly budget with Clearpoint, they negotiated the terms with my creditors. I made my first payment in 2009, and I just made my last in November on 2013. It feels awesome to be free at last!” We are very impressed with Clearpoint Credit Counseling Solution. Everything from the way they conduct business to their website and online presence. We definitely recommend you check them out.

In this review of Clearpoint Credit Counceling Solutions, The CFRB gives this debt consolidation company company a 4 star rating. Check Our Resources page for a list of trusted companies, which have received 4 stars or better. Check Our Reviews page for more insight into trusted companies.


Staff Writer

Midland Credit Management, Inc. – Scam!

In this Midland Credit Management, Inc. review we take a look at a debt consolidation that really hasn’t won the love of consumers over the years. From what we found, they are convincing more people to grab their pitchfork, and build their stakes than they are to use their “services” and get out of debt. According to their online bio, they’re a company that empowers their customers through education and payment plans. They even go as far as saying they take pride in their clear and honest communication with their consumers. Folks, I can’t tell you how badly I wish I could believe that. Unfortunately, consumers are saying the exact opposite. We scrolled through pages and pages of customer complaints and warning. So we thought that we’d share a few to give you an inside look.

The first statement comes from a person doesn’t even own them money. “Midland Credit Management, Inc. continues to harass people for amounts that should have never been charged in the first place. Quit calling, mailing…I don’t owe you anything. Quit attacking my credit card accounts.” They seem to relentless in their pursuit. That’s a good quality, but it seems they have taken it a little too far in this case. Another consumer stated, “I receive a letter from Midland Credit Management, Inc. stating that I owe $7,000 from the original creditor of a ********** Bank. First of all I never had anything accounts with this bank, never even heard of them. So I called to see if this is legit or not, and it keeps saying, “All circuits are busy. Please try again later.” So I am assuming this must be a scam. ” That’s quite the thing to do. They just dropped a bomb, and went incognito. You’re not suppose to hide from your consumer when they are frantic and have questions. Just to reminder you, this is the company that prides itself on clear and honest communication with consumers. One more! “For the past year Midland Credit Management, Inc. has been calling our home from 6:45 AM to the evening hours. I even put a block on their number and they still call. I have perfect credit and do not owe anyone anything. I don’t understand why they are harassing us.” I think the key word here is harass. That’s a word we came across quite a bit during our investigation. I’m sure Midland Credit Management, Inc. has helped people in the past. At some point they might have been a well trusted company, but as of right now their reputation is floating in the toilet. We recommend you stay away from this company.

In this review of Midland Credit Management, Inc., The CFRB gives this debt consolidation company a 0 star rating. Check Our Resources page for a list of trusted companies, which have received 4 stars or better. Check Our Reviews page for more insight into trusted companies.


Staff Writer

American Student Loan Debt Solutions LLC Review

In This American Student Loan Debt Solutions LLC review, we take a look at a company that specializes in student loan debt consolidation that has some mixed reviews. Some people have great things to say, while others are shaking their fist, demanding their money back. So we thought we’d bring you all of our findings, and let you decide for yourself. American Student Loan Debt Solutions LLC is a company that really tries to go above and beyond the regular consumer experience. They celebrate individual success, but operate under the belief that everyone is equal. So nobody gets special attention for having more money. Which is good. There’s a sense of integrity engrained within the company.  So what’s the issue with the company?

We found complaints about the companies warranty/guarantee policies mainly. One consumer stated, “They told me that I should receive an email from the Department of Education with a loan repayment on student loan account. I haven’t seen a lot helpful action since doing business with this company no updates on the business services.” Another consumer, “They are charging me over 600 dollars up front for the service and then $39.00 monthly for their services over the next 10 years. I just found out that they have only been registered as a business with the BBB since May 19, 2014. I think I am being scammed. They don’t answer their phone either. I am now very concerned because they have personal information of mine, and I don’t know where this scam will end.” It really breaks our hearts to hear these testimonies, because they are coming from young students who probably have enough to deal with already. It also reflects badly on a company that prides itself on being honest, when you hear things like this. When you’re dealing with people’s money, you have to do things right. It’s so important to create security and trust between you and the consumers.

After all we discovered, we still wanted to give American Student Debt Solutions LLC the benefit of the doubt, so we did a little more digging. We got to the root of those consumer complaints, and found the problem wasn’t the company. It was the employees that they were dealing with. They were what you would call a couple of rotten apples. I’m fairly certain, that American Student Debt Solutions LLC removed them from employment. That certainly says a lot. Mainly, it says that the company values the consumers. Which is probably the most important. None the less, they still kind of dropped the ball on this one.

In this review of American Student Loan Debt Solutions, The CFRB Gives this mortgage company a 3 star rating. Check Our Resources page for a list of trusted companies like Signature One Capital, which have received 4 stars or better. Check Our Reviews page for more insight into trusted companies.


Signature One Financial Review Regarding Personal Loans

This Signature One Financial Review

In this Signature One Financial Review, we will be reviewing Signature One Financial Personal Unsecured Loans.  Our reviews of these Signature One Financial personal unsecured loans will be based on actual testimonials and some of the facts regarding Simple Interest vs Compound Interest.

Signature One Financial Review Including Client Testimonials

Earlier this year we started Phase 2 of the Signature One Financial Reviews by contacting the principles at Signature One Financial and requesting permission to make random contact with the Signature One Financial client base. We were pleased with the response from Signature One Financial in permitting the CFRB to make contact with the Signature One Financial client base in order to further our Signature One Financial Reviews.

Signature One Financial Personal Unsecured Loans Perfect For Debt Consolidation

In the this CFRB Signature One Financial client testimonial review we discovered that over 90% of the Signature One Financial Personal Unsecured loan clients used the personal unsecured loans for debt consolidation primarily to pay off high-interest credit card debt.  This statistic is due in part to the marketing done by Signature One Financial where they send out pre-selected notifications to consumers who fit specific criteria that provide Signature One Financial with their highest degree of success as discussed in previous Signature One Financial Reviews and the mathematics behind Simple Interest vs. Compounding Interest.  In this Signature One Financial Review, we will look at the difference between Simple Interest vs. Compounding Interest and the Signature One Financial personal unsecured loan and why it is perfect for debt consolidation when paying off high-interest credit card debt.

Signature One Financial Review “How Do They Do It”

In this part of the Signature One Financial Review, we ask the question “How Do They Do It”?  In reviewing Signature One Financial clients we were amazed to discover how many people with damaged credit or low credits scores were able to qualify for a Signature One Financial Personal Unsecured Loan. For example, one client in particular amazed us. For the sake of identity protection, we will simply refer to this client as Jane.

“Jane received a letter from Signature One Finacial in the mail stating that she had been pre-selected to receive a personal loan from Signature One Financial for up to $35,000.00. She needed the money to pay off high-interest credit card debt but she knew her credit was less than needed for this type of loan.  Jane gave it a shot and called Signature One Financial and applied for the loan.  Jane was contacted the next day and informed that her credit score through Experian was 537 and that this is considered a very low credit score. The Signature One Financial representative continued to counsel Jane on why the credit score may be so low and what she could do to improve her credit score and maintain it in the future. Jane felt as if she was being let down gently but still appreciated the advice from the Signature One Financial representative. At that moment the Signature One Financial representative informed her that she was approved for a personal unsecured loan with a fixed interest rate and a term of either 3 or 5 years”.

What we said approved with a 537 credit score?  It would be hard to get a secured loan with a 537 credit score!

And that is just one of many testimonials about Signature One Financial and why we maintain our 5-star rating in our Signature One Financial Reviews.

Signature One Financial Review, Personal Unsecured Loans Are Great For Debt Consolidation


In this part of the Signature One Financial Review, we look at the Signature One Financial Personal Unsecured Loan and why it is perfect for debt consolidation. To do this we will look into the mathematics of Simple Interest vs. Compounding Interest, but first, let’s state some aspects of the Signature One Financial Unsecured Personal Loan and Credit Card debt.

The Signature One Financial Unsecured Personal Loan components are as follows:

  • Simple Interest
  • Fixed Rate
  • No Pre-Payment Penalty
  • 3 or 5-year Term

Credit Card debt components are as follows:

  • Compound Interest
  • Interest compounded against an average daily balance
  • Variable Rate
  • Minimum Payments Can Go On For many Years

Simple Interest vs Compound Interest

  • Simple interest is applied to the principal loan amount
  • Compound interest is applied not only to principal amount but also to the interest it accrues.
  • Most credit cards compound their interest on an average daily balance

The mathematics for calculating simple interest is fairly simple as compared to the mathematics for calculating compound interest, but since compound interest charges interest on the interest that has accrued on the balance, carrying any balance on credit cards for more than a few months becomes very expensive. Add to that compounding interest on an average daily balance credit cards can cost you many times over the amount you originally charged.

Most consumers do not understand the complexities of the mathematics behind the compounding of interest on their credit cards making it extremely easy to get caught up in a web of credit card debt that may seem impossible to escape.

With a personal unsecured simple interest loan like the ones Signature One Financial provide you are able to stop the compounding of interest on your debt and save thousands of dollars by paying off your debt with simple interest as well as the possibility of monthly payment relief.

Signature One Financial Review Maintains A 5 Star Rating

Due to the business model and commitment to serve the consumer as supported by consumer testimonials the CFRB maintains its original 5-star rating in this Signature One Financial Review.

As always the CFRB encourages your comments on this and all the reviews published through this website.

Staff Writer