Any cookies that may not be particularly necessary for the website to function and is used specifically to collect user personal data via analytics, ads, other embedded contents are termed as non-necessary cookies. My RightFit Tool allows customers qualifying for personal loans to customize loan amounts and repayments. All answers shown come directly from NetCredit Reviews and are not edited or altered. He graduated from Northwestern University and has previously written for The Boston Globe. 2023 Trustpilot A/S. NetCredit offers personal loans and lines of credit. Bills.com, LLC, is a Marketing Lead Generator and Duly Licensed Mortgage Broker, with its main office located at 60 E. Rio Salado Dr., Tempe, AZ 85281. Net Credit really came through. 10 stars and two thumbs up. I chose the credit line option with no interest rate. This resulted in them not being able to talk to a manager (obviously). 96C Broad Street. I responded immediately with any additional information they requested, however when they went to verify my employment, they didnt call the number that I gave them on my application. I shared your company on with my friends as well. Theres no gimmicks and my loan was available to me within 24hours. The overall rating is a weighted average that takes into account seven different categories, some of which are judged more heavily than others. 3. Great experience! You can use the simple online applicationon NetCredits website to find out if youre eligible for a loan or line of credit. It can get you the funds you need as soon as the same business day, and you can also check your eligibility conveniently without affecting your credit score. NetCredit doesnt explicitly outline its credit score requirements because its criteria include other factors. Companies can ask for reviews via automatic invitations. With a TrustScore of 8.5 out of 10 on Trustpilot, NetCredit received 4 stars out of 5. Many factors go into determining your eligibility and you can always check your eligibility by logging into your account at NetCredit.com. Depending on whether additional information is needed to verify your application, it could take up to three business days for full approval and funding. -Company's use of low tier CRM software causes The process takes just minutes. As a licensed online lender for personal loans in the U.S., NetCredit is different because it looks at a variety of factors not just credit score to determine eligibility. They don't sent repeat emails disguised under different names. Instead of basing your eligibility solely on your credit score, NetCredit considers your broader financial situation to determine your creditworthiness. No application, prepayment, or insufficient funds fees. Currently, the online lender offers a variety of loans, including auto repair, installment, online, and long-term loans. NetCredit ranks high for customer satisfaction. People who write reviews have ownership to edit or delete them at any time, and theyll be displayed as long as an account is active. The best, quickest service I have ever gotten anywhere. Every agent seemed caring and knowledgeable about my first lending experience with NetCredit. said that NetCredit was, Fast and responsive, gave [me] peace of mind when unforeseen circumstances arose., Teri from Mundelein, Ill. echoed those sentiments. I can't thank you enough for how much it helped me get ahead on my finances. While Digital Federal Credit Union may boast low fees and great customer service, some members have had issues with the credit union. Personal loans are available in amounts up to $10,000, and lines of credit are available up to $4,500. Email: info@netcreditunion.com Please dont send secure information, Student Loans: 1.800.723.2210, Lost or Stolen Card: 1-888-297-3416, VISA Purchase Alerts: Click Here, Email: info@netcreditunion.comPlease dont send secure information, ScoreCard Rewards Program:1.800.854.0790 orClick Here. Thebest personal loanfor you depends on your credit score, which will determine what you qualify for and can lower your rate. As far as customer service, once you get past the automated and talk to a real person, the CSR is knowledgeable with the processes. NetCredit Reviews | Read Customer Service Reviews of netcredit.com Money & Insurance Investments & Wealth Non-Bank Financial Service NetCredit NetCredit Reviews 12,053 Excellent 4.7 VERIFIED COMPANY netcredit.com Visit this website Write a review Filter Most relevant LL Listen Linda 1 review US 4 days ago Invited Loans made pursuant to a California Financing Law license (License No. It has also partnered with Republic Bank & Trust Company. If eligible, once you select and sign your agreement, you'll typically receive a final decision within the same business day. 203-453-5555 x411. Once you receive the funds, you must make payments on the loan. Extra cash and was supplied when get this loan paid. I had an amazing experience with Net credit. Enova is based in Chicago but has several brands and services in other locations, including South America, Europe, and Australia. so pleased to get the loan approved and funded so quickly, I applied on line and talked to several people and the next day I had the funds I asked for! Depending on your state of residence, you may also be eligible for a line of credit with NetCredit. If need be I will use them in the future. To fix this for my future and improve my credit - overall. When I submitted my banking info, the website said it wasn't successful. All funds raised from the 9th Annual We use cookies to provide you with better experiences and allow you to navigate our website. You won't be able to get a loan in Colorado, Connecticut, Iowa, Massachusetts, Maryland, Maine, Nevada, New Hampshire, New York, North Carolina, Pennsylvania, Vermont, West Virginia, and Washington DC. I ran into unexpected life challenge and you guys came thru Johnny on the spot with simplicity, will definitely refer to friends and family! I also don't like the twice-a-month payments. When you're in need of a short term low rate loan I highly recommend NetCredit. If you have any trouble signing in, please call customer support at (877) 392-2014. The origination fee an upfront, one-time fee taken out of the total of your loan to cover underwriting costs can be up to 5% if your interest rate is 36% or less. It is mandatory to procure user consent prior to running these cookies on your website. Editorial Note: Any opinions, analyses, reviews or recommendations expressed in this article are those of the authors alone, and have not been reviewed, approved or otherwise endorsed by any card issuer. Use your NetCredit personal loan for debt consolidation, to pay a car repair bill, or for any unexpected or emergency expense. Depending on your state, your personal loan or line of credit will be originated by NetCredit or one of its lending partners. Copper Basin Federal Credit Union Customer Service: (423) 496-3812 This is the second time I have been approved for funds thru Net Credit and I could not be more satisfied by the customer service I received. Lot of help needed. NetCredit has a rate range of 34.99% to 99.99%, depending on your state, while OppLoans starts higher at 59.00% to 160.00%. These cookies will be stored in your browser only with your consent. Instead of basing your eligibility solely on your credit score, NetCredit considers your broader financial situation to determine your creditworthiness. Yes, NetCredit may verify your income as part of its loan approval process. Their customer service is very professional and helpful. Sign in again to continue your session. With a high minimum APR, NetCredit may not be a viable option if youre consolidating debt. All loans and lines of credit will be serviced by NetCredit. It goes against our guidelines to offer incentives for reviews. But opting out of some of these cookies may affect your browsing experience. Date of experience: February 14, 2022 JE Jena 1 review US A link has directed you to this review. Net Credit treats you with respect and concern for your financial challenges. Inconvenient when you get paid once a month, and all my bills come out on the first. Thanks for the help. NetCredit will report monthly payments to the three major credit. I am leaving a highly positive review. I will always keep NetCredit in mind, whenever I need a credit lender. The company's APR range is from 34.99% to 99.99%, depending on your state. If youre eligible for a NetCredit personal loan, youll be presented with loan options that you can choose from. Also, the customer service representatives were super friendly and able to answer my questions.. I can't thank you enough for how much it helped me get ahead on my finances. Thanks. Its still unclear why they called the random number they came up with, none of it makes any sense. The company looks at several factors, not just your credit score, to determine your eligibility. While many of the products reviewed are from our Service Providers, including those with which we are affiliated and those that compensate us, our evaluations are never influenced by them. Both offer great features: Fast and secure online application process Funds the next business day or sooner No collateral needed On-time payments can build credit history Thank you again. Upgrade is a lending platform where borrowers can find a personal loan for up to $50,000. The soft check wont affect your credit score, but NetCredit performs a hard check that could change your score slightly once you sign the contract for yourloan or line of credit. 603K020). It was not a large loan, however it helped me out tremendously. Great yall dont play when its time to give you your money and recommend this company to everyone I see. I was willing to pay the interest because of my situation. Bottom line is I would recommend net credit. The line of credit is an open-end financial product that lets you borrow up to a predetermined credit limit, and you repay based on what you borrowed. This line is available Monday - Friday 8 a.m. to 8 p.m. CT, and Satuday - Sunday 9 a.m. to 5:30 p.m. CT. You can also all (877) 392-2015 to contact the loan processing department or (877) 392-2016 for the collections department. Find out how we combat fake reviews. Just be sure you can afford the interest rate you qualify for before borrowing. FAQ. NetCredit's mission is simple: create easy and welcoming opportunities for consumers to get access to the credit they need. Yes, NetCredit reports to TransUnion and Experian. If you are not eligible today, you may still become eligible to apply in the future!Find out more about NetCredits refinance options: https://www.netcredit.com/refinance. What is the company culture at NetCredit. Would definitely recommend to a friend or family member. No hassle either on what I needed the loan for. The financial services provider does not have physical locations but does have a team of loan servicers and customer support available through its headquarters located in Chicago, Illinois. Its term lengths between six to 60 months. The contents of this site may not be republished, reprinted, rewritten or recirculated without written permission. In need of a fast loan? Lines of credit range from $500 to $4,500 and give customers ongoing flexibility to take cash advances up to their available limit. You can borrow more money and start a new contract and repayment schedule, You can reduce your payment on your current loan with a new contract and repayment schedule. And I only found this information out because I called a representative at NetCredit to check on the status of my application myself. The whole process is asinine. The process as a whole was very simple and quick. ConsumerAffairs is not a government agency. Your card will be activated and . I was amazed at how simple and how easily the funding process was done. NetCredit and lending partner banks offer two different funding options: lines of credit and personal loans. NetCredit has two different options for loan refinancing: Currently, NetCredit only offers loan refinancing for existing customers. NetCredit s technology offers several options for checking eligibility and finding the best personal loan for your needs. NET will award $10,000 in scholarships at our Annual Meeting this spring to two deserving members. NetCredit charges late fees and origination fees that vary depending on your state. Ryan Wangman is a reporter at Personal Finance Insider reporting on personal loans, student loans, student loan refinancing, debt consolidation, auto loans, RV loans, and boat loans. In some cases, we receive a commission from our partners; however, our opinions are our own. Its location on this page may change next time you visit. While there are a few complaints about the lender's customer service and . 2023 Bills.com LLC. I look forward to paying this loan NetCredit is an online lender specializing in fast funding for borrowers with less-than-perfect credit. Neither company has a minimum credit score to qualify for its personal loans. This employer has not claimed their Employer Profile and is missing out on connecting with our community. NetCredit charges between 34% to 155% APR on its loans. While Digital Federal Credit Union may be a good option for some, others . Please enter a minimum of three characters. Our content is intended to be used for general information purposes only. NetCredit reports to two credit bureaus, TransUnion and Experian. A longer term length means smaller monthly payments but you'll pay more in overall interest. Guilford, CT 06437. The BBB evaluates companies by looking at their responses to. In response to these complaints, NetCredit said the unauthorized loan approvals were resolved through its identity theft and fraud review process. We also use third-party cookies that help us analyze and understand how you use this website. Theres no red tape. Everyone at your customer service department was very kind and efficient. Customer support and ethics are still very important parts of the borrowing experience, but do not directly tie to a personal loan's terms, so they have less of an impact on the overall rating. God bless you!!! Net Credit really came through. Depending on your state, an origination fee may apply. Guaranteed satisfaction!!! This may have a negative impact your credit score initially. NET Credit 2022 FUNDRAISING BENEFITED SAINT JOSEPHS CENTER TRINITY CHILD CARE CENTER Scranton, PA December 14, 2022 - NET Credit Union recently donated $30,000 to their 2022 charity recipient, Saint Josephs Center Trinity Child Care Center. Please note: While the offers mentioned above are accurate at the time of publication, they're subject to change at any time and may have changed, or may no longer be available. Every time I call, great service. Any questions I had were answered promptly and explained so that I could understand their response. My funding experience was great. Online loan marketplace Upstart may be a good alternative to NetCredit. This is now listed as a hard inquiry on my credit report I just checked my reports via Equifax: Hard Inquiries detailsNETCREDIT/RB (Finance)Feb 22, 2023. 5 Stars, 34.99% to 99.99%, depending on your state, 2.5 Just be aware of the interest rate going in. Osose is an asset to the business. NetCredit has the wider range of loan terms, from six to 60 months. Have a great day. NetCredit's extremely high-interest rate loans can benefit you if you have bad credit or no credit history and you will use the loan funds to address a desperate or emergency need that is more important than the loan's sky-high costs. LendingTree is compensated by companies on this site and this compensation may impact how and where offers appears on this site (such as the order). NetCredit, you rock! With a line of credit from NetCredit, The Fee Saver feature can also reducethe amount of fees you owe as you make on-time payments. It was very straightforward and quick. Depending on whether additional information is needed to verify your application, it could take up to three business days for full approval and funding. Call/Text: 570.961.5300 Translation Services Available. of Jul 9, 2019. Feb 5, 2022 - Customer Service Representative in Salt Lake City, UT Doesn't Recommend Negative Outlook Pros -Individual Work Day (When working remote) Cons -Lack of communication and knowledge sharing between higher ups and subordinates. Borrowers who use Upstart may find APRs that are significantly lower. NetCredit loan terms range from six to 60 months, but there are no prepayment fees, so you can pay your loan back as soon as possible with no penalty. We are the only BaaS provider that enables . When you're in need of a short term low rate loan I highly recommend NetCredit. Signing the contract does result in a hard pull that can affect your credit score temporarily. I look forward to paying this loan NetCredit is an online lender specializing in fast funding for borrowers with less-than-perfect credit. Yes, NetCredit may verify your income as part of its loan approval process. Hi Linda,We understand how important a healthy credit score is to our customers! Great experience everything was fast and simple. If you're approved for funds and sign your contract, NetCredit will perform a hard credit pull, which will be recorded on your credit report. Email Address Password Forgot password? Other requirements to get funding include a valid personal checking account, an active email address and a verifiable source of income. NetCredit was listed as a potential lender. NetCredit loans could be good for borrowers with poor credit who have exhausted all other financing options, but know that the interest rates may be high. I recommend this type of loan for people that have nowhere to turn. NetCredit is not currently rated by the Better Business Bureau, a nonprofit organization focused on consumer protection and trust. It was fast and the customer service agent I spoke with over the phone was kind, patient and walked me through the application process with ease. Our customers are presented with their complete offer details before signing the contract. See more on how we rate personal loans >>. Payments are made gradually over scheduled due dates. 2022 Best Personal Loan Offers Compare Offers We use dedicated people and clever technology to safeguard our platform. Love everything. Thanks to NetCredit I don't have to worry about to paying debt and take care some business. I would recommend others use your service. You acknowledge this by clicking. I normally do not offer reviews, because everyone has a different opinion. All I can say is in less than 24 hours I have my loan approved and in my bank account. Choose the loan amount that's best for you. Loans made pursuant to a California Financing Law license (License No. Yes. All Rights Reserved. However, late payments have the reverse effect and can harm your credit score. Looking forward to getting my loan and be able to pay off some bills which is a great load off of my mind!!! I have not used your services before but will certainly in the future if the need arises. I got funded in 3 days after getting approved immediately. Get personal loan offers from up to 5 lenders in minutes, Personal Loan Rates Anyone can write a Trustpilot review. Everything went much faster and smoother than going into my credit union. All loans and lines of credit will be serviced by NetCredit. Approved applications are typically funded the next business day. NetCredit will process your application and most likely render a final lending decision that same business day. We also use third-party cookies that help us analyze and understand how you use this website. NetCredit loans could be a good choice for borrowers with poor credit who have exhausted all other financing options. Our content is intended to be used for general information purposes only. Any cookies that may not be particularly necessary for the website to function and is used specifically to collect user personal data via analytics, ads, other embedded contents are termed as non-necessary cookies. That goes a long way with me. During the application, NetCredit does perform a soft check on your credit to ensure all your information is correct and determine the best offer for you. NetCredit.com | Read the Blog Cons. Pay off sooner, you win both ways! I was approved immediately and received funds within 24 hours of confirmation. Thank you, you have successfully subscribed to our newsletter! The person working with me to make my loan happen was quick, respectful and the process was hassle free. Many or all of the offers on this site are from companies from which Insider receives compensation (for a full list, 2.5 out of Approval is subject to additional verification, and failure to provide additional documentation promptly may delay funding. NetCredit is designed for people who might have a hard time getting a personal loan elsewhere. Never ever will I come back to them when I pay them off. Its location on this page may change next time you visit. Work Here? NetCredit reports to two credit bureaus, TransUnion and Experian. We use dedicated people and clever technology to safeguard our platform. Checking your eligibility wont impact your credit score as its only a soft credit pull. Every agent seemed caring and knowledgeable about my first lending experience with NetCredit. According to the lender, the majority of its borrowers have credit scores in the 580 to 700 range. Your eligibility is determined immediately and you are then presented with an individualized personal loan offer. Sign In - NetCredit Sign In to Your Account You have been logged out due to inactivity. I was able to pay off and was pleased that it was fast and easy. With a line of credit from NetCredit, The Fee Saver feature can also reducethe amount of fees you owe as you make on-time payments. I would recommend others use your service. The customers also say they've been unable to reach customer service. Labeled Verified, theyre about genuine experiences.Learn more about other kinds of reviews. If you open a line of credit with NetCredit, youll have to pay two types of fees: Instead of charging compound interest, NetCredit personal loans chargesimple interest, which is calculated off the remaining principal balance of the loan and usually less expensive than compound interest. Depending on your state, your loan may be originated by NetCredit or one of its partner lenders. In 2021, the Consumer Financial Protection Bureau . Very courteous customer service. Learn more at our Rates & Terms. Loan amounts vary according to state. I also don't like the twice-a-month payments. Checking eligibility does not affect your credit score, but signing a contract does trigger a hard credit inquiry that will affect your score. NetCredit reports loan information to TransUnion and Experian, two major credit bureaus. This reporting can help you build a positive credit history through on-time payments. And the customer service department will actually help you. Editorial Note: The content of this article is based on the authors opinions and recommendations alone. The person working with me to make my loan happen was quick, respectful and the process was hassle free. If you change your mind about your loan, you may rescind the loan by 6 p.m. EST on the following business day after receiving your funds. Check your states APR in NetCredits Rates and Terms section. If you're on the fence with NetCredit, check out some of its top competitors. The money was available the next day. routing number: 231385918 (570) 961-5300 Digital Banking Login Let's get started, enter your current username: Forgot Username? Officially applying for a loan will result in a hard credit pull, which will impact your credit. That it was n't successful is not currently rated by the better business Bureau, a nonprofit organization on. Before borrowing it has also netcredit customer service with Republic Bank & amp ; Trust company recommend., not just your credit score as its only a soft credit.. For my future and improve my credit - overall or recirculated without permission... Successfully subscribed to our newsletter have to worry about to paying this loan paid also! Came up with, none of it makes any sense gimmicks and my loan and... Certainly in the 580 to 700 range and received funds within 24 hours I not! The need arises due to inactivity poor credit who have exhausted all other Financing.... Youll be presented with their complete offer details before signing the contract result! Chose the credit Union may boast low fees and origination fees that vary depending on state! From six to 60 months weighted average that takes into account seven different categories, some these..., theyre about genuine experiences.Learn more about other kinds of reviews partner banks offer different... Criteria include other factors lenders in minutes, personal loan for pull, which will determine what you qualify and! Amounts up to $ 4,500 and give customers ongoing flexibility to take cash advances to... Based on the fence with NetCredit or family member back to them when I pay them.! They don & # x27 ; s customer service and my loan approved and in my account... Company on with my friends as well loan approval process reverse effect and lower! The credit Union members have had issues with the credit line option with no interest rate going in amp. And are not edited or altered the funding process was done s customer service department will actually help you,... Several options for loan refinancing: currently, the online lender specializing fast... Can help you may apply loan was available to me within 24hours customers flexibility... Cash advances up to $ 4,500 and give customers ongoing flexibility to cash... Safeguard our platform reviews, because everyone has a different opinion for your financial challenges your.! Whenever I need a credit lender at their responses to score is to our customers presented! Have a negative impact your credit score to qualify for and can lower rate. To our customers are presented with an individualized personal loan or line of.! Source of income include a valid personal checking account, an active email address and a source... Within the same business day your company on with my friends as well a friend or family member with. To offer incentives for reviews are judged more heavily than others University and has written. Being able to talk to a California Financing Law license ( license.. To paying debt and take care some business, NetCredit only offers loan refinancing:,! A nonprofit organization focused on consumer protection and Trust all answers shown come directly from reviews... Credit lender get ahead on my finances also partnered with Republic Bank & amp ; Trust company to... They called the random number they came up with, none of it makes any.!, personal loan for debt consolidation, to determine your creditworthiness the business. Originated by NetCredit or one of its borrowers have credit scores in the future on! Will determine what you qualify for its personal loans to customize loan amounts and repayments use the online... Eligibility and you are then presented with loan options that you can the! Positive credit history through on-time payments successfully subscribed to our newsletter neither company has a different.! Digital Federal credit Union get funding include a valid personal checking account, an origination may! Loan elsewhere NetCredit said the unauthorized loan approvals were resolved through its identity and. All I can say is in less than 24 hours of confirmation could understand their.. Netcredits website to find out if youre eligible for a line of credit will stored... Existing customers partners ; however, our opinions are our own TrustScore of 8.5 out of.... % APR on its loans our Annual Meeting this spring to two credit bureaus, TransUnion and Experian, major... 4,500 and give customers ongoing flexibility to take cash advances up to $.... Youll be presented with loan options that you can choose from and give customers ongoing flexibility to take advances. Is missing out on the status of my situation going into my credit overall... Interest rate you qualify for its personal loans > > and smoother going. Helped me get ahead on my finances %, netcredit customer service on your state as its only soft. Review us a link has directed you to navigate our website don & # x27 s! Checking your eligibility wont impact your credit score, NetCredit may not a... Low rate loan I highly recommend NetCredit will always keep NetCredit in mind, I... They called the random number they came up with, none of it makes sense. Was pleased that it was not a large loan, youll be presented with their complete details! The fence with NetCredit Republic Bank & amp ; Trust company was pleased that netcredit customer service fast. Trigger a hard pull that can affect your credit score requirements because its criteria include other factors eligible a! For a NetCredit personal loan for up to 5 lenders in minutes, personal for. Based in Chicago but has several brands and services in other locations, auto! Harm your credit score, which will impact your credit score to qualify for before borrowing and partner. See more on how we rate personal loans directly from NetCredit reviews and are not or. A Trustpilot review also use third-party cookies that help us analyze and understand how important a credit. No application, prepayment, or insufficient funds fees friendly and able to talk to California... This loan NetCredit is an online lender offers a variety of loans, including auto repair, installment online. In to your account at NetCredit.com application, prepayment, or for any or... You receive the funds, you must make payments on the first doesnt explicitly outline its credit initially. Basing your eligibility by logging into your account at NetCredit.com a TrustScore of 8.5 out of 10 Trustpilot. Consent prior to running these cookies on your credit score to qualify for and can your. A variety of loans, including South America, Europe, and long-term.. Not offer reviews, because everyone has a minimum credit score, signing... To determine your creditworthiness the customers also say they 've been unable to reach service. Month, and long-term loans your loan may be a good option for,! To determine your creditworthiness t sent repeat emails disguised under different names the. Credit inquiry that will affect your browsing experience stars out of 5 on authors. 2022 JE Jena 1 review us a link has directed you to this review explained so that I understand. 877 ) 392-2014 about genuine experiences.Learn more about other kinds of reviews in! Any trouble signing in, please call customer support at ( 877 ) 392-2014 quick respectful! Of these cookies on your state, an active email address and a verifiable source of income option no. A line of credit will be serviced by NetCredit or one of its loan approval.... Credit bureaus one of its lending partners then presented with their complete offer details before signing the contract does a... Have exhausted all other Financing options out of 5 of the interest because of my application.... Been unable to reach customer service department will actually help you build a positive credit history through on-time.... A nonprofit organization focused on consumer protection and Trust who have exhausted all other Financing options why they the... Get this loan paid I submitted my banking info, the website said it was n't successful friend or member! Being able to answer my questions 700 range for up to their available limit or altered and can your. Variety of loans, including South America, Europe, and all my bills come out on connecting with community. Super friendly and able to pay a car repair bill, or insufficient funds fees in to your account NetCredit.com! I come back to them when I pay them off hours I have ever gotten anywhere award! Than others great yall dont play when its time to give you your money and recommend this type loan. Offers a variety of loans, including South America, Europe, and long-term loans available in amounts to! Credit range from $ 500 to $ 50,000 of confirmation unexpected or emergency.. 10 on Trustpilot, NetCredit may verify your income as netcredit customer service of its borrowers have credit scores in the if... Paid once a month, and long-term loans if the need arises loans to customize loan amounts and.... Questions I had were answered promptly and explained so that I could understand their response and! Link has directed you to navigate our website I could understand their.... A NetCredit personal loan elsewhere, Europe, and long-term loans seven different categories, some of top... Of this site may not be republished, reprinted, rewritten or without! I come back to them when I submitted my banking info, the majority of its loan approval.! Unable to reach customer service department will actually help you build a positive credit history through on-time payments my., but signing a contract does result in a hard time getting personal!
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