Wrote a review before and it got taken down. I think this app might be a scam. I picked the basic plan which they give you 24 dollars to be paid back 2 dollars at a time each month, great right?? Problem is you never actually get 24 dollars. Basically your just paying 2 dollars a mth with claims that it's being reported to the credit agencies, which after 3mths I have yet to see. How am I paying back 24 dollars the I never received in the first place?