Well obviously I used to self because I couldn't open up a line of credit anywhere else. This morning I get a notification saying correct congratulations you're on your way to financial freedom and then I get another email saying your credit score has dropped 23 points because of this new line of credit so what's going to happen is I'm going to pay to have my credit right back up to where it was before I got this stupid self loan. Don't do it if I could give it zero Stars I would.