So infuriated with this company. They are the worst. Made payment then called because I've seen they hadn't taken it out of my account, the automated system said I had mad a payment on a such date. Then when trying to make my next month's payments it shows up the last payment didn't post all because my checking account number was off by a number. They then posted a late payment on my credit. Wich I disputed because they have the calls for when I called and tried to make a payment. My credit went down after and they won't make it right even if they have proof that I tried mking a payment. Im Done with this company. Never have I ever gave a late payment and they never took that in consideration. I agree if I didn't make the payment then do what you have to do. But I did... and the fact that they have a 1.3 rating but on credit Karma they have a 4.0 that's fishy. People don't use this company they are awful just be aware.