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I am not too sure why this company is still in business because clearly they do not know what they are doing. I called them 5 times and I has to repeat my query to everytime. They do not respond to their emails. Creditors dept the lady is always on the phone and never returns call even if you leave a message. They always look for ways to rip people off and to get money out of them. I would rather spend my energy writing reviews instead of speaking to them because they are useless.