Perhaps Access Capital Funding Group can be held legally responsible for the unethical business practices. If you have been ripped off, post your comments on RipOff Report and seek some free legal advise. If nothing else, a class action against Access Capital Funding Group and owner Courtney Krenz might help promote refunds for victims of this unscrupulous company. Access Capital Funding Group and Courtney Krenz- definite THUMBS DOWN From what I have read on most of these postings, Access Capital Funding Group has treated many customers the way they treated my business. They sell a high priced credit builder with the promise of a loan they can't acquire or deliver. They do however keep your money and apoligize. LOL