These people prey on people with bad credits or not so good credit,to rill you in as if they willing to help you with your credit, but if any emergency case or you happen to get behind if you call customer service they have a scam put in place where they act as if they will agree to give you a credit if you make a payment and it will be available, that's a LIE Dagan the customer guy is the one who told me that or patronize me in to believing that just so that they could take my payment and put it towards fees so it was not a credit of $100 which was my payment and the $39 he claim they would credit as well once they took all but $18 which was available but yet because I still was behind couldn't use that either...smh so in the future choose another company unless u have the entire amount.and when I tried to make a complaint about it with the supervisor Amy she just justified the wrong as if I was not given misleading information.so thank you premier! This company does not care about the customers they are out to just take and make money.they will surely report to the credit bureau when you are late,but take their time to report when you are on time if they even report it at all. Smh