I wanted to talk to a live person about switching my direct deposit to them. I wanted to know if I used their debit card would stuff like my rent payments count towards my credit score.....but I couldn't outsmart the bot to get an actual person on the phone....simply could not get pass the robot recording.....so I'm not happy about that at all...they are good as far as checking your credit score and yseeing your report and stuff like that...I'm happy with that part of their services