I have been working on getting my credit back on track. Although it took me almost 3 yrs I am almost debt free. I got something in my email saying since my credit improved, to give them a try to see if I was approved. I felt good that I was. NOW That I have read the reviews they will be removed from my bookmark. NO WAY AM I FALLING FOR THIS TRAP. Thanks to all for the heads up on this. You cannot believe how much this has helped me. I hope they read all these reviews. This is just not right the way they are ripping off people.