I was a customer of Checksmart for a couple years. Checksmart told me that they were switching me to Crestline. Checksmart did not tell me that I was buying a line of credit with Crestline and had to pay a monthly fee. I did not need a line of credit. I would not have agreed to it if I had known. I paid off the loan but they keep wanting more money. I told Crestline that I was not paying them one dime AND I told them that Checksmart was misrepresenting them. It looks like a lawsuit is in order for the continued harrassment. User's recommendation: SCAM. Do not do business with Checksmart or Crestline.