This company targets people with low to bad credit and charges monthly maintance fees. they state its to help report your credit but when you pull you credit report they show up under an area thats states companys that could be neg. affecting you credit score. They will not help with any credits they changed their cycle date for their montly fees from the 30th to the 1st and billed you two fees on one statement within the same billing cycle and will not issue credit for them. when you ask question about the fees they read a statement and will... read full review »