They really helped me out. and I have nothing bad to say about this company. If you do what you are supposed to do, make your payments and if you are going to be late let them know (and pay when you say you are going to!), you should be okay. They have really helped me to improve my credit score and they took a chance on me by giving me a loan because it was soooooooo low! And no, I do not work for them but am just a very grateful customer!