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.

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 at 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 a specific criteria that provides 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 average daily balance
  • Variable Rate
  • Minimum Payments Can Go On For many Years

Simple Interest vs Compound Interest

  • Simple interest is applied to the principle loan amount
  • Compound interest is applied not only to principle 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 are 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

Federally Regulated Debt Relief Program

Federally Regulated Debt Relief, Debt Settlement or Debt Reduction Programs

In this post the CFRB addresses a somewhat controversial topic, the topic of the Federally Regulated Debt Relief Program also referred to as Federally Regulated Debt Settlement and or Federally regulated Debt Reduction Programs and the amendments to the telemarketing sales rule regarding Debt Relief, Debt Settlement or Debt Reduction companies brought by the Federal Trade Commission (FTC) effective in 2010 bringing needed regulation to this industry. Debt Relief, Debt Settlement or Debt Reduction programs that operate under this regulation AKA Federally Regulated Debt Relief Program or Federally Regulated Program must adhere to provisions that protect the consumer when entering into business arrangements or contracts with Debt Relief, Debt Settlement or Debt Reduction companies operating under the Federal Regulation of the FTC and provide Debt Relief services through the Federally Regulated Debt Relief Program or Federally Regulated Program for debt Relief.  Although It may sound repetitive to continue to state Federally Regulated Debt Relief Program, Federally Regulated Debt Settlement or Federally regulated Debt Reduction Program but we do so since these terminologies are frequently interchanged by different Debt Relief, Debt Settlement or Debt Reduction Companies trying to create their own brand for the Federally Regulated Debt Relief Program or Federally Regulated Program. That being said we will continue this post using the terminology Federally Regulated Debt Relief Program or Federally Regulated Program.

We have chosen the Federally Regulated Debt Relief Program or Federally Regulated Program topic due to the overwhelming negative results of our investigations on several Debt Relief, Debt Settlement and Debt Reduction companies. This is not to say that all companies providing the Federally Regulated Debt Relief Program have received bad reviews from the CFRB, companies like Signature One Financial in there initial Signature One Financial Review received our highest 5 Star rating and have maintained this 5 Star rating through several Signature One Financial Reviews and they have received supporting comments and testimonials in their Signature One Financial Reviews from consumers that have conducted business with Signature One Financial. Signature One Financial provides there Signature One Financial Liberty Program AKA Signature One Financial Federally Regulated liberty Program or Federally Regulated Liberty Program for consumers who could qualify for their personal unsecured debt consolidation loan.

 

Customer Service Is a Key Factor in The Federally Regulated Debt Relief Program

How can so many companies offering this Federally Regulated Debt Relief Program get such bad reviews while other companies offering the Federally Regulated Program for Debt Relief, Debt Settlement or Debt Reduction receive raving 5 Star reviews?

The first and obvious answer is a commitment or lack thereof to the consumer to provide a valuable service with the highest level of excellence and the fact that prior to the Federally Regulated Program some companies provided exceptional customer service and results that matched or exceeded their promises to the consumer. So many people (business owners included) will take the easy way out of any situation. In dealing with Debt Relief, Debt Settlement or Debt Reduction you are dealing with consumers that may be feeling hopeless and like they have no other options. This could make them an easy mark for business owners who are inclined to taking the path of least resistance to make a fast buck. This same scenario creates an opportunity for excellence to stand out when offering the highest level of customer service to consumers in desperate need of a Debt Relief, Debt Settlement or Debt Reduction Program.

 

That being said let’s look at the changes brought forth by the FTC in the Federally Regulated Debt Relief Program and how this Federally Regulated Program benefits the consumer looking for Debt Relief. Looking at the changes the FTC’s Telemarketing Sales Rules Amendments for Debt Relief Companies brought we must keep in mind that the underlying commitment to provide service to the consumer with or without the federal regulation will determine the companies level of excellence and overall service to the consumer in Debt Relief or any industry.

Things to Know Regarding the Federally Regulated Debt Relief Program

No Upfront Fees

  • The Debt Relief Company must complete the services promised including successful negotiation of new terms and agreements with the creditor that the consumer accepts and makes at least one payment to the creditor before the Debt Relief Company can be paid.

Dedicated Trust Account

  • The Debt Relief Company may require consumers to set aside fees and savings for payment to creditors in a Dedicated Trust Account. Debt Relief Companies can only require a dedicated trust account when these 5 conditions are met.
  • The dedicated trust account must be at an insured financial institution.
  • The consumer is the sole beneficiary or owner of the funds including interest earned in the dedicated trust account.
  • The consumer has full access to the funds at all times without penalty for withdrawal.
  • The Debt Relief Company has no ownership interest or control in the financial institution.
  • The Debt Relief Company cannot exchange any referral fees with the financial institution.

Disclosures and Prohibited Misrepresentations

  • Debt Relief Companies must disclose their fees
  • Debt Relief Companies must disclose how long it can take for consumers to see their results.
  • Debt Relief Companies must disclose the potential for negative consequences to the consumer including how the debt relief program can affect their credit, calls to the consumer from the creditor and the closing of credit cards enrolled in the Federally Regulated Debt Relief Program.
  • The Debt Relief Company is prohibited from stating performance rates that cannot be backed up by actual results

 

As always your comments are appreciated in this and all post and reviews on this web site

Staff Writer

Signature One Financial Liberty Program Review

 

Signature One Financial Liberty Program Review

In this Signature One Financial Liberty Program Review we look at Signature One Financial’s Debt Management / Debt Reduction program offered by Signature One Financial as an alternative for applicants that do not qualify for the personal unsecured debt consolidation loans offered through Signature One Financial.

The Signature One Financial Liberty Program is the name for Signature One Financial’s Debt Management / Debt Reduction Program or Debt Settlement Program. What sets the Signature One Financial Liberty Program apart from other Debt Settlement / Debt reduction / Debt Management programs is first and foremost Signature One Financial’s commitment to serve the consumer and provide customer service and communication through the whole process. Then combine 3 key factors built into the Signature One Financial Liberty Program that benefit the consumer and you have superior alternative for debt consolidation.

3 Key factors In the Signature One Financial Liberty Program

Three key factors that really separate the Signature One Financial Liberty Program from other Debt Reduction / Debt Management / Debt Settlement programs are listed bellow

  • No Upfront Fees. Meaning Signature One Financial does not earn one dime until they have successfully negotiated new terms and agreements on your debt and you have accepted and paid on the debt. This means on a 48 month term they could be working for 4 years before receiving compensation.
  • Debt Pools. Using debt pools creates greater negotiating authority when working with the wholesale or backend departments of creditors which in turn can result in greater debt reduction for the consumer than they may have received without the benefit of the debt pools.
  • Credit Reports Won’t Show You Are In A Program. This benefit helps protect your credit worthiness and allows your credit to recover much faster than if you were in a consumer credit counseling program or a bankruptcy.

Combined with all the positive comments and testimonies we have received from Signature One Financial clients we give the Signature One Financial  Liberty Program our highest 5 star rating.

 

As always please comment or send us your testimonies on this or any CFRB Review to help us bring to light the commitment of finance companies to serve the consumer.

 

Staff Writer

Another Signature One Financial Testimonial

We are continuing to receive testimonials like this since we have been escalating both the Signature One Financial Reviews and the Signature Servicing Reviews. We will continue to post them from time to time.

My Husband and I started the  Federally Regulated Liberty Program offered by Signature One Financial back in October with 14 different accounts. Today we have settled on all but 2 of our accounts the Signature One Fiancial rep told us that installment loans can take longer to negotiate. My husband was uneasy about trying the  Federally Regulated Liberty Program, but I reminded him that we don’t much to lose. The Both of us were certain that bankruptcy was not an option.

The reason my husband and I entered the  Federally Regulated Liberty Program offered by Signature One Financial is because my husband’s business partner turned out to be a rotten egg and left us to deal with thousands of dollars in credit card debt.

Everyone that has contacted me from  Signature One Financial  have always been professional and just a pleasure to work with. I’d like to thank my client representative at Signature One Financial. She has been very honest, professional, and up front with my husband and I. She is great at keeping my head in a positive manner. She was very reliable, and was always available if I ever had a question. Knowing that, put me to ease.

Signature One Financial has given us a great peace of mind. The Federally Regulated Liberty Program has lifted such a burden from our lives. Now we only have one credit card for emergency use ONLY!

Thank you,  Signature One Financial for all that you did for us! Keep on helping the American people out of dire situations!

Thanks!

Please continue to send reply to the Signature One Financial Review of your choice as well as the  Federally Regulated Liberty Program Review or send in your testimonials both good and bad.

 

Staff Writer