They falsely reported that my payment was late 30 days( can't legally report you late until you are 30 days past due). They have very shady business practices. I have a loan with them for over 2 1/2 years and was never late, but they still delayed my re-finace request for over a year so they could make more money on their 22% interest rate. RUN IF YOU CAN, YOU ARE BETTER OFF GETTING A LOAN FROM A HIGH INTEREST RATE CC. The lady at the office lies to you on the phone without hesitation. terrible terrible terrible
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5509 Radford Road