Terrible customer service, you can never get through on the phone, once you do get through they pass you from one person to another hold times around 40 minutes at a time. I've called to cancel my account when it came to the end of the contract, the following month they are still taking payments from my bank, another 1 hour phone call to be told they can see we called to cancel but "not sure why it hasn't been cancelled " can you call back and cancel again. They mark your experian account with late payments effecting your credit score when you call the number provided it says balance is zero and ends the call on you. The whole thing is a joke!!