This is the exact random text that I recently received on Thursday...

⬇️(TEXT FROM Spectrum REI)⬇️

" This is Nick from Spectrum and I'm trying to connect with you in regards to the $150k REI Lines and $2 Million in Real Estate Private Money you are qualified for. When are you free for a call?

👌Of course I responded I'm "free now let's talk".

The guy sounded super legit over the phone. He definitely knew the real estate investing lingo. He was super helpful with the processing of my information. I had no problem sending him all three PDF files of my 3 credit report because I keep a credit lock & high alert fraud victim to keep out Financial predators that way no one can breach access. If you're going to invest in real estate this is a must. your information is out there much more than the average person. Without a credit monitoring system you are asking for it.

Anyways he contacts me back on Friday as I expected. The first thing he says is......

📞(Nick from Spectrum)⬇️

🗣"GOOD NEWS Ty you're definitely approved! I got you 40,000 in a real estate line of credit with 0% interest and 1 million in hard money for fix and flips all repair costs covered. The 0% interest on the LOC will run out in one year's time, soon as it runs out all I will have to do is restart the clock and it will go back to 0%. I'm about to send you all three numbers to the credit bureaus, that way you can call them and have them take down your fraud alert system. Just communicate with them and they will easily work with you to take it down. Soon as your fraud alert system is down it will take up to 6 days to start receiving line of credit." You will be issued multiple credit cards and a checkbook that way you can cover any closing cost, fees or down Payments without having to dip into your own cash".

• I'm just thinking how do you think I got my credit so good. I'm the one that put the credit lock up lol I got Equifax ,TransUnion and Experian on speed dial.

let's do some research on this future business partner. It's human nature to be excited about this kind of stuff. But a good investor never lets there emotions do the thinking for them.

▪1st red flag 🚩 That was the easiest approval I've ever had in my life. I know my credit scores are good but, damn lol

▪2nd red flag 🚩 online research- these guys are practically a ghost company they have no face of the business ,the website is literally two and a half pages. I'll let you check that one out for yourself, it's pretty low level lol

https://spectrumrei.com/

Chromie 3rd grade website🚩 , a total of one friend and one like on Facebook🚩

. they have the website connected to Better Business Bureau. With three positive reviews from 3 people only stating first names. All three reviews with a simple statement saying that they had a positive encounter 0 specifics other than one made 60,000🤷‍♂️ not sure how but he's made 60k lol

Then I come acrossed a negative review on Cix.com, of course right away automatically i knew that is where they got my information.

Apparently the same thing happened to another investor but he clearly did not do his research before joining their team. they issued him multiple credit cards for the line of credit. He states that all of the credit cards were fake that the money was never there when it came to closing the deal and Promises were never kept.

I then go back and try contacting Nick once again. Tried calling a few times, no answer. So I send a text

•(MY ACTUAL TXT SENT TO NICK)⬇️

"I definitely dont mind doing business with the smaller companies what so ever. I just want to get to know a future partner a bit before I jump in to business with them. The same go with you guys. Spectrum would never jump in to business with a investor with out checking credit. My intention are very positive"

Hours go by with no response at this time I'm very concerned and in straight investigator mode. I tried calling multiple times left 2 voice messages• I finally get fed up & send them a text message saying they have till 6pm to give me a positive phone call Validating their information ,NMLS number an overall positive partnership. I told them if they cannot validate I would ruin their scam business and tell the world exactly what I'm telling them now lol stating that I am not a person that they want to mess with, that I have connections an overall a person that people will listen to because I can be validated.

Just as I expected not long after I receive a phone call from Nick's "business associates"
 boy was he angry 😂. I told him calm down all you have to do is prove to me that you are legitimate business, I want to see proof of success from people that you have funded to. I at least want to know your last name, where you're from and maybe a few references that can validate you. Literally the only thing he was focused on was the fact that I said I would ruin his scam business if he would not validate and the fact that I told his associate not to F with me. His only reason for calling was to tell me he will not do business with me, he doesn't have to tell me anything. He was pretty damn angry 😂.
It was a very simple task all he had to do was show me facts and proved that he wasn't a hard money lending scammer. I showed him my information to validate myself and abilities, you show me yours, its basic 101 partnership agreements .

that would be like me saying "hey man I need a loan but I'm definitely not going to give you my information or allow you to check my credit I just simply need you to trust me" debtthat lenders going to tell you to get lost..