I joined this company in 2019. Paid perfectly for 12 months as agreed and the account was closed. 2 years later they are hitting my credit saying there was $1.90 in interest and that now I'm $70 behind even though I had a zero balance at time of closure. I have all the documents proving this fact! They have killed my credit and refuse to correct it. I'm filing with the BBB. DO NOT SIGN WITH THEM. THEY WILL STEAL FROM YOU AND IF YOU DONT PAY THEY DESTROY YOUR CREDIT!