My experience is that I have been trying to get my credit builder loan figured out but I am not able to speak with anyone about why I can't make a payment online because they have screwed up and now my credit score is being effected and they just keep taking $4.60 every week and I don't want to do anything with these guys but I can not get a hold of anyone who wants to be of assistance with the issue. IT'S OUTRAGEOUS!