I'll be honest, after shopping with them I started getting credit card offers and I have 3 now and I've been wanting to build my credit in a big way. Something worked out right that's for sure.

Only if you default.

Didn't ask, dont care. They worked with me on my terms. So if im only making above minimum payments with THEM on time, my credit stays good with them whom i plan to b repeat customer.it's like rental furniture, you know u may pay more in the long run, but at least you have what you wanted on terms that work for you. Karen

Unfortunately not.