Absolutely awful,yap on about being great but just like all the others, no different, don't want to help Soft hard credit check rubbish, nobody helps you, you have to do the hard work on your own and pay off your own debts with your own money and build your credit score by yourself,if you fail their stupid point system you won't get nothing from them If you know that beforehand it's really not worth bothering Forget about lenders that don't lend Build your credit score on your own and pay off your own debts People like me get nothing from them It's a complete waste of time