These people are a joke!!! They claim I took out a loan in 2009. I have never and I told them that. Claim they sent me 13 pieces of mail regarding this matter, and I never received any of them. The representative was very rude, asked for my address and refused to give it to her. Told her, "you should have it in file if you sent me 13 letters about this matter." Told me she would not help me and hung up on me.