Horrible! I'm actually a little worried now. The app asks for your name, address, phone number, birthday, social security number......and then "Sorry, we could not process your request. Your credit has not been pulled and we will not report anything to the credit bureaus. No further action is needed from you at this time." Pops up on my screen in big bold block letters. No explanation, just a button to log out. It's like they just want your personal info, without providing a service. BEWARE!!!!