The process with this company was horrific. Reasoning for us or me was to combined all our credit card debt into one monthly payment, so we have just one payment and not several payments a month. This company was offered to me by Credit Karma. It was promising. The Greeley office I went through was very close to home. I work full-time and my husband is on SSDI but he brings in monthly a steady good amount of income. We pay our bills. My credit rating high 650s and his mid 700s. Waste of time going through this company and their communication was horrible. My main Contact person was Jeri; every time I checked in with her oh, we had to send it to underwriting; really I felt like I was being lied too. You would think they would contact employment as well as just reviewing paycheck stubs; to which the format of the paycheck stubs was not to their satisfactory. I work for a little privately owned business in town; he has been in business for over 40 years and my boss is 82 years old and going strong; that's how he writes out his paycheck stubs just cause It didn't show end of year or to date. It became a big issue. Honestly, there really was no reason to deny us we pay our rent on time we pay our car payment through Chase on time, we pay our bills. We just wanted everything on one monthly payment with a little extra cash. I just wanted people to know out there check other alternatives. They never should advertise "combining credit card debt into one monthly payment". You would think I was trying to buy a home or a yacht. Do not waste your time with this financial company. There are better ones out there that treat you better for example credit unions or your bank and have a better chance of being approved. This was a waste of time and hope. If I count give a zero star rating I would. One Main Financial should not be in business and shame on Credit Karma for recommending this company for consolidating credit card debt for one monthly payment. read more