After having large lines of credit with banks, and now running a much smaller business, I was looking to build business credit. After some research and time invested exploring options, I discovered IUG and that they were the perfect source to help me obtain a few lines of credit. I did fear, however, that some of these complaints were true about them that are listed on this site before I signed up-- poor service, revenue focused-- and indeed they are true. While this company attempts to look customer oriented by having calls quickly returned, they simply don't do anything they say. They are quick to charge your card and then nothing happens as they promise. Their attention to detail is excellent in your initial calls with "underwriters" and their service gets an "F" immediately after that when you wind up waiting for weeks for their monthly maintenance people to call you. How they think they can charge a monthly fee and then let 3 weeks go by without customer contact when they promise it in 24 hours from payment is beyond me... The concept for this business is ideal but their ability to execute completely lacking. I give them an F for terrible service and their focus on collecting their fees being their highest concern right out of the gate. Fortunately none of their documentation I received says that my money is not refundable. It was only when I cancelled my service after three weeks of hearing nothing from them that I received a NOT REFUNDABLE notice in the mail. Thank goodness the original slip said nothing of the sort. I do not think it is possible to build business credit with anyone on the web. I am convinced- as these guys looked the most reputable of everyone I have found to date-- that this all is mostly a scam. BUYER BEWARE. While using personal credit might not be as good, at least you are in control. Eventually banks will start lending again too... Bide your time and wait. I had no need for credit just simply wanted to not use personal credit-- so at least for me this is just a nuisance and not a necessity for the survival and growth of my business...