Question on finding working capital

[Rod Smith]

Hi Everyone,

This is very first post, so any feedback will be greatly appreciated. I am a investor that owned properties in the past, has been out of the business for a few years, and just decided to get back into the business last year. I have some cash and ok credit (low 700's), looking to leverage the cash I have to buy multiple properties. I have used a hard money lender in the past, that made loans based on the ARV of the property and usually came out of pocket with little to no money. My mortgage broker was involved in the deal and did the refinance immediately after renovation was completed. Entire process typically took 90 days. Now all the hard money lenders I find online want you to have 25-35% in the deal. I know you are asking, why don't I just contact my old lender? Well, it has been about 8 yrs since I last used him, and I do not have his contact information anymore, nor can I find him online.

Nevertheless, I found a company that claims they can get me a line of credit, but when I received the application I became a little concerned. I was instructed to open an account with youcheckcredit.com and then provide them with my username and password so they can do "soft pulls" during the approval process. So my actual questions are:

1) Does anyone know anything about this process and does it sound legit?

[edited]