Answers to some frequently asked questions:

Q: I saw your ad for USAUTOCREDIT, or $99 down on TV...
A: Many companies use similar names and phone numbers. In particular, a different company runs ads as "US Auto Credit" and "800CreditHotline." Many consumers mistakenly reach our web site or 800 number when responding to these ads. Although we have web sites "usautocredit.com" and "credithotline.com", we are not associated with the television ads, and we cannot assist customers responding to these ads. 

Q: I applied, but no one has called me.
A: Credithotline refers your application to qualified lenders in your area. In some cases, no lender may be available, or the lender may decide not to accept your application for reasons unrelated to your credit history. If no lender accepts your application, then you will not be called.

Q: I did not apply, but someone is calling me.
A: There are many companies that advertise "credit hotlines" and which use names similar to ours. If you are receiving calls, please ask the caller for the name of the person who applied for credit, and the phone number which they provided. In many cases, you will discover that they are trying to reach someone else, not you, and that they have a wrong number. In any case, call our business office at 336-831-1915, and leave the name and number that is being called. We will search our database for the name and number, and if they are in our database, we will remove the inaccurate information. If the name and number are NOT in our database, then it is most likely a company with a similar name making the calls, and the customer will need to deal with whoever is calling them directly. We are responsible for our data, but we cannot address companies with similar names who are in no way related to us.

Q: I want to know if my credit was declined, or if an inquiry was made on my credit
A: Credithotline itself does not offer credit or make credit inquiries. We refer your application to qualified lenders. In some cases, the lenders decline to accept your aplication based solely on your area and income, without receiving your name and address. When lenders accept your application, they may make a credit inquiry or application on your behalf. If they do make an application or decision, you will receive a notice directly from them regarding their decision.

Q: What does credithotline do with my information?
A: Credithotline provides your application to one, single qualified lender in your area, using a network of credit brokers. Your information is provided only to one broker, and is not given to anyone else. In some cases, the broker may provided your name to multiple dealers, but it will not be used for any purpose other than offering credit as you specified on your aplication.

Q: How long does it take?
A: Credithotline refers applications to providers hourly. If your application is accepted by a provider, you will generally be contacted by telephone or email within one business day. If a provider accepts your application, but declined to offer you credit, you should receive a letter from them within two weeks. If no lender is available to offer you credit, you may not receive any further contact.

Q: I want to speak to someone about my application
A: You may call our management office, at 336-831-1915. We are open Monday-Friday from 9-5 EST.