Update by user Jan 22, 2020 this company sucks Original review posted by user Jan 22, 2020 Me and my husband have used them three times. We have payed the accounts off and never missed a payment. It was easier because as long as you pay the items off before the 100 days you wont be charged interest! Which is basically four times what you originally bought the item for. However, recently we were denied and they wanted proof of my SSI card to prove my identity. Really? Ive used them three times and all of my bank information and cards are on file! I refuse to send my a copy of my SSI card. I think they are looking for people who wont pay their accounts off so they can keep taking your money.