I hate how it picks up your credit card usage but not your loan pay offs. You have to do it manually. It doesn't have very many options when adding your loans. It takes forever to update my spending and transferring. It takes forever to update anything really. It only shows vantage score for Transunion. What about the other 2? Fico scoring? Can't add my PayPal back to it after hiding it. I'm not extremely satisfied considering the great reviews I read. Please take a little more time on your APP.