This is the most horrible app I have ever use to build credit no point in 35 a month bill that isn't paying off your bills and then paying off a credit card that you can't even really use my credit had dropped so bad from using this. Update: I finally had my account closed after talking to a stupid bot for a hour. Sadly I did not get any of my money back. I'm so upset with this app. I will never use anything like this again in my life