I have had an account with them since 2019 making payments on time...unfortunately I had my debit card number stolen which was the card they took automatic payments from as I ordered a new card. They reported my late payments to the credit bureaus even though I did speak to them on May 6 to enroll in automatic payments to assure I can work with them on payments I missed due to my card being being User's recommendation: If you are told that this company is the company that will give you your credit do not do it...