I applied in May to refresh financial to boost my credit score. After finding out how much they charge I cancelled the pre-authorized debit and even closed the account the money was supposed to come out of. 2 days later I checked my other account and to my surprise they took it out of that account. After having an argument with the rep I soon got a phone call from someone in collections over a 5 year old debt. Does not take a genius to figure out how they got my phone number. A day later I checked my credit score and because of Refresh Financial I lost 35 points on my credit score. Trust me they will take your money one way or another and screw with your life.