End game user.You hear from all the people a few months in.I completed the twelve month program and yes my credit went up 94 points, I got the Self credit card with $150 deposit but never received the card even with 4 re-orders so don't know if the card is real or not but didn't bother me only got it to get my score higher.If you pay with a credit/debit card your monthly payments are higher. All in all credit went up, but when I cashed out they kept around $200 dollars of my money. Up to you.