My boyfriend owed some old traffic ticket's.Every time we contacted Penn credit the person we had last spoke to never existed..It got to the point every name I wrote down and id number they gave me was fake.Every person I spoke to gave me false info...This place is the biigest joke ever...They did not want to give us anything stating the payment was made in full.Even tho yesterday stephanie who they say now today they have no stephanie working there informed me if I faxed them my money gram they would fax me back a paid in full letter...Carl who I spoke with today was very rude told me she was new and misinformed gave me the wrong info..They will not fax me a paid in full letter and basically he does'nt care...I am not done with this company I will personally report them to every agency possible..I can't belive the city would work with such a pathetic credit company...