This disaster of company must certainly not be a True Canadian Organization, they pressure you for a payment every two weeks. Then promise to help you rebuild your credit after paying and paying. Offering up an expensive tablet as well as a credit card, which never shows up, but still taking your money, and still nothing gets fixed with your credit. Then they harass you with creditors for thousands of dollars - currently destroying my credit for something I never received. They took bi-weekly payments from my accounts for months until I had my bank apply a stop payment, the promised improvements to my credit never took place, despite all funds paid to Skycap Financial. Absolute disaster. This has been reporting on my credit since 2015 at $4,353 and now reports a balance of $8,824. Unreal. These people are criminals. User's recommendation: Stay away !!