Had questions regarding their particular scoring system that is stated in the paperwork , however nobody can explain it nor do they know anything about it . Theyre not able to give out any other numbers or information. They state that they referenced everyone to call the credit company and ask the credit companies questions . The question at hand was about the statements in their own paperwork and the other credit scoring companies cant answer questions about the card companies specifics . User's recommendation: Not worth it and customer service is extremely limited on what they can do and Mgmt .