Do NOT ever use this company. You will be fee'd to death, your balance will not go down, even if you pay over what you owe. They do not apply it to principal, they apply it to the next month due so they can keep charging interest, even though they have your money already. That should never be done unless you are in a lease. They claim past due payments when I HAVE PROOF from my bank that I paid each month. AND they report it to credit bureaus so you have to fight for months to get it taken off. I am on month 6 and it still hasnt been removed and my credit tanked because of it. NEVER EVER EVER use them.