Beware of this place! They suggest you use them to establish credit or raise your credit score, but then deny you even the smallest of loan amounts. They also get all info about your income and properties as if they will base your loan decision by collateral and salary. They do not inform you they are pulling your credit report which does count against you. The people there make you feel beneath them. If your credit is good, use your bank. If it has blemishes, go with a secured credit card to repair it! If you need quick cash, go with a payday or title loan!