Nature of the Company
Marketing Lead Generator
- Secure One Financial works by finding people who need loans and then matches them with banks or companies that can give them a loan. It’s kind of like a helper that doesn’t give loans but knows who does. They work with a company called Kuber Financial, LLC dba Mobilend to do this.
Lack of Active Lender License
- Even though Secure One Financial helps with loans, they don’t have a special license in California that allows them to give out loans themselves. This makes some people wonder how much they do with the loans directly.
Affiliations and Partnerships
- They also work with other companies like GRT Financial to help people lower their debt. But, this might be a bit confusing because it’s not just about getting one big loan to cover smaller ones; it could mean trying to fix debt in other ways, too.
Debt Consolidation Process
Pre-Approval Mailers and Misleading Claims
- Secure One Financial sometimes sends letters saying you’re almost approved for a loan with a really good interest rate, like 5.99%. But, just because you get a letter doesn’t mean it’s guaranteed. The real deal could change, and not everyone gets the super low rates they talk about.
Debt Settlement vs. Debt Consolidation Loans
- What they often suggest isn’t just combining debts into one big loan. It might involve settling your debts. This could mean you stop paying your debts for now, which can make your credit score go down and cause some trouble with your credit report.
Impact on Credit Cards
- People have also shared that their credit cards got blocked and they couldn’t use them while trying to sort out their debts with Secure One Financial. This can be a big problem if you care a lot about your credit score and using credit cards.
Customer Reviews and Feedback
Mixed Reviews
- Secure One Financial has different kinds of reviews depending on where you look. The Better Business Bureau (BBB) gives them an A+ and a lot of people seem happy there. But, some others have said they get too many calls or aren’t happy with how things were explained.
Positive Feedback
- A bunch of folks have said really good things, especially about how honest the company is and how much they’ve helped reduce debt and handle annoying calls from people they owe money to.
Negative Feedback
- On the flip side, some people aren’t happy because they keep getting calls, feel pressured, and are worried about their credit scores because of the advice they get. They thought they’d get one big loan to cover all their smaller debts but ended up in a settlement plan instead, which wasn’t what they expected.
Credit Impact and Transparency
Temporary Credit Hit
- Secure One Financial is upfront that fixing debt through settlement might make your credit score drop at first, but it could get better later. Still, if you’ve got a good credit score, this might worry you a lot.
Delinquent Status and Long-term Impact
- Letting debts go unpaid on purpose can hurt your credit score for a long time. It’s something to think about if you care about your credit health.
Transparency and Trustworthiness
- There might be some tricky stuff in their ads. The letters people get might make it seem like Secure One Financial is the one giving the loan, which isn’t exactly true. And, what they offer might not be exactly what you get, so it’s important to ask lots of questions.

Customer Reviews and Feedback
Mixed Reviews
Secure One Financial has seen a lot of different feedback from customers. Like a report card with all kinds of grades, they have an A+ rating from the Better Business Bureau (BBB), which is like the top mark. Many people have good things to say, especially in this place. But, it’s not all gold stars; some folks are not too happy. They talk about getting a lot of calls and feeling unsure about what the company is really doing.
Positive Feedback
Lots of customers have shared really nice stories. They say Secure One Financial has been super clear about everything and made it easier to handle big debt problems. These people felt like they were drowning in bills and annoying calls, but this company threw them a life preserver. They got relief from the stress of debt and found it easier to breathe without those constant nagging calls.
Negative Feedback
But, like flipping a coin, there’s another side. Some folks aren’t thrilled. They talk about getting too many calls that feel pushy, worrying about their credit scores taking a dive, and feeling stuck in a plan they didn’t really want. Instead of getting a straightforward loan to lump all their debts together, they found themselves in a spot where they were working on settling debts instead. Not exactly what they signed up for, they say.
Credit Impact and Transparency
Temporary Credit Hit
Secure One Financial is pretty open about one thing: going through their debt settlement process might make your credit score dip for a while, kind of like taking a detour on your credit road trip. They say it’s just for the first few months and things should get better after that. But if you’re someone who really cares about keeping your credit score shiny and high, this might make you think twice.
Delinquent Status and Long-term Impact
Choosing to let your debts go unpaid for a bit to settle them might seem like a smart move in the short term. But, just like eating too much candy might hurt your teeth later, this can impact your credit score in ways that last longer than you’d want. It’s one of those decisions that need a lot of thought, especially if you’re planning big financial moves in the future.
Transparency and Trustworthiness
When it comes to being clear about what’s going on, there’s a bit of a cloudy sky. Some of the offers and letters might make you think Secure One Financial is the one lending the money directly, but that’s not really what’s happening. And when it comes down to the details of what you’re signing up for, you’ll want to have your questions ready. A little bit of “trust but verify” can go a long way to make sure you’re really getting what you think you are.

Customer Reviews and Feedback
Mixed Reviews
Secure One Financial offers a mix of happy and not-so-happy stories from customers. They have a shiny A+ rating from the Better Business Bureau (BBB), which is pretty great. It shows lots of people found help and got what they needed. But, not everyone is throwing a party. Some folks say they got too many calls or didn’t like how things were explained to them.
Positive Feedback
There’s a bunch of customers who are really glad they reached out to Secure One Financial. They say the company was super clear with them and helped them handle big, scary debt problems. Imagine getting a helper who not only stops the scary debt calls but also makes it easier to breathe without all that debt on your back. That’s what these happy folks are talking about.
Negative Feedback
But, there’s always another side. Some people didn’t have such a great time. They talk about getting too many calls that felt pushy or worrying their credit score might go down the drain. And some of them were expecting to get a big loan to crush all their debts but ended up trying to settle their debts instead. That’s not what they thought they signed up for.
It’s kind of like expecting to join a smooth highway but finding out you’re on a rocky road instead. Not everyone is ready for that bumpiness, especially if they were expecting a different journey with their debt consolidation plans.
What should you do?
- Ask Questions: If you’re thinking about signing up, ask lots of questions. Make sure you understand what you’re getting into. It’s like checking the weather before a big trip.
- Know Your Goals: Make sure their plan matches what you’re looking for. Are you trying to get a big loan to cover all debts, or are you okay with settling debts and possibly taking a hit to your credit score?
- Read Reviews: Look at what other people are saying on different websites, not just the good reviews but the bad ones too. It’s like getting recommendations for a new restaurant; you want to know what the food is really like.
Remember, your financial journey is important. You want to make sure you’re picking the right path for you, one that leads to where you want to go without too many surprises along the way.

Credit Impact and Transparency
When considering Secure One Financial for debt consolidation, it’s important to be aware of the potential impacts on your credit score and the level of transparency about the services offered. This section provides insights into what current and future clients might expect in terms of credit impact and the company’s openness.
Temporary Credit Hit
Engaging in a debt settlement process through Secure One Financial might lead to a temporary reduction in your credit score. The company acknowledges this as a part of the process, indicating that within the initial 6 to 9 months, you may see a decline in your credit rating. Although this dip is presented as temporary, with the expectation of recovery over time, it is a concern for those who currently enjoy a good credit standing. Knowing this upfront allows you to weigh the short-term setbacks against the potential long-term relief from debt.
Delinquent Status and Long-term Impact
The strategy of letting debts fall into delinquency to negotiate settlements is a risky one. While this method might result in lower total payments in the long run, the negative marks on your credit report can linger for years. The impact of having a “settled” status on accounts, as opposed to “paid in full,” can affect your ability to secure loans, get favorable interest rates, or pass credit checks for renting and employment in the future. This part of Secure One Financial’s approach requires careful consideration, especially for those who place a high value on maintaining a pristine credit history.
Transparency and Trustworthiness
Questions about the clarity and honesty of Secure One Financial’s marketing practices have arisen, particularly concerning the direct mail offers. These offers may give the impression of loan pre-approvals with attractively low interest rates, though the reality can be quite different once all terms and conditions are fully disclosed. Additionally, the portrayal of Secure One Financial as the lender, when it actually operates as a matchmaker to third-party lenders, has led to confusion. It’s essential for potential clients to dig deep, asking pointed questions and clarifying the exact nature of the debt consolidation services offered before proceeding. Rigorous exploration, including reading the fine print and seeking clarification where needed, helps ensure that the services align with personal financial recovery goals.
Overall, while Secure One Financial presents a solution for individuals struggling with debt, understanding the nuances of their services is crucial. The impact on your credit score and the clarity about the services offered are key considerations. Prospective clients are encouraged to seek advice from financial advisors or credit counselors and to research thoroughly to make an informed decision that best suits their financial situation.