This company is the biggest scam. Of course they push on everyone's credit apps that they'll approve you. Well since I'm trying to build credit and it said I had outstanding approval odds I figured I would apply. It said it would only do a soft check of my credit and not count as a hard inquiry because again you're trying to build your credit. They did a hard inquiry and then they called me to tell me that I was not approved after the online system said I was approved. They need to remodel their website to not tell people they're approved when they're not, and they also need to stop putting hard inquiries on people when they say that they don't. read more