Bad sevice at finchoice

Hi. Im very dissapointed with the finchoice mobi loans system. I do not have accounts and thought just to boost my credit score il take this loan pay and pay it off quick. And that way get rated on that for a good score. Instead with my payments up to date and always on time, their system picks it up late and i get reminders of payments not being received. This is now a negative point on my score. So please dont use this service.