Update by user Feb 16, 2021 This company stands behinds its legal mumbo jumbo and thrives on legal thievery Update by user Feb 16, 2021 This company has its legal mumbo jumbo down to a science and rarely if ever refund anyone from what I see all over the net. Pure thievery of so many innocent people. Update by user Feb 16, 2021 Nothing has been resolved. They just throw more confusing mumbo jumbo at people and take advantage of people “legally” hopeless someone finds a way around their loop holes and put this shady company out of business Original review posted by user Feb 16, 2021 I dont care if this company found some legal loophole to make what they do legal but someone has to figure out how to put these crooks out of business sooner than later! I am disabled on a fixed income but I keep my credit as good as possible. I need a medical loan but this company killed the modest credit score that I did have and I know Im not alone. Its disgraceful and pure thievery! User's recommendation: Do not even try to use this service once because it only takes one time to get your money with their shady year long contract.