When I signed up with this Company, I spoke to the rep and explained to her that in 2008 I had credit with all the named Banks and not to apply to these companies. Well after 10 inquiries I placed a freeze on all theree 3 reports. Sent this company the reject letters. I am being bombarded with emails daily from them stating I owe them $28,500! Not one credit approval. I have turned this over to my attorney and also to the BBB in Florida. They only fill out credit app's people, we could do the same. Im a RE Broker and should have known better..