The company raised my interest rate to 18 percent without notice. I had to take the company to court to get them to stop STEALING MY MONEY. The judge agreed with me that the company was acting in a deceptive manner when they raised my interest rate without cause or reason. This is a poorly managed company that has no clue about what customer service means AND WILL STEAL YOUR HARD EARNED MONEY. I have no idea how it came into existence or why it is still around when it does everything wrong from a business standpoint. STINK, STINK, STINK, STINK, STINK, is how I rate this company. Don't be a fool like I was. PLEASE, Find another company to do business with.