DO NOT USE THE APP OR THE CREDIT BUILDER LOAN. IT IS A SCAM AND THEY REFUSE TO GIVE YOU THE MONEY YOU PAY INTO IT AND REFUSE TO CANCEL YOUR MEMBERSHIP WHILE ITS OPEN, RACKING UP FEES, ETC. THE CUSTOMER SUPPORT IS OUTSOURCED TO A FOREIGN COUNTRY IT SOUNDED LIKE, AND THEY ARE RUDE AND INEPT AT BEST, AT WORST RAMPANT THIEVES.