If it sounds too good to be true, then it probably is. Especially if it comes as uninvited and unwelcomed junk mail. These two pieces came courtesy of Addition Financial, one to me and one to my wife. I’m not in the market to refinance a car loan, but I was curious just how good or bad this particular financial institution is. So I went Googling for “addition financial car loan review” and came up with this hit as the first in my search results — https://wallethub.com/profile/addition-financial-13307460i . The average is an amazingly low 2.3 out of 5 with 66 reviews. I did no filtering but there was a lot of 1 and 2 star ratings, with just a sprinkling of anything higher (such as 5 stars). I will say that someone at Additional Financial was trying to answer some of the complaints. But if it were me, I wouldn’t touch an unsolicited loan offer from these people with a 10 foot pole. Especially with asterisks ***

One other observation: There is a 1-888 number at the bottom to call and opt out of this kind of crap. When it showed up on another financial piece of junk mail I called it. The first thing the automated system asked for was my social security number. No thank you. It’s unfortunate but my SSN is probably all over the dark web and in other spammer databases, but I’m not going to make a bad situation worse by volunteering it up yet again. Why not ask for my address and zip code? Why not offer a web address? Needless to say as soon as the SSN was requested I hung up. My revenge will be to check their reviews on the web and report about them. The worse the reviews, the better.