Please take a moment to consider this before trusting the overly positive reviews. I enrolled in a savings program that was supposed to help improve my credit score, which had suffered due to past financial abuse during a serious health crisis. After a year, my credit score showed no improvement despite consistent payments to other creditors. I paid a total of $1,830, yet ended up with only $750 saved. I was promised a loan at a favorable interest rate upon completion of the program, but was instead offered a $1,500 loan, which was far less than I needed. Previously, I had been directed to a lender for a larger amount, for which I'm still paying exorbitant interest rates. To get the $1,500 loan, they wanted to hold my remaining $750 as collateral, with an 18-month term and biweekly payments adding up to an outrageous total of $3,120. This translates to over 100% additional interest disguised as fees and unnecessary insurance premiums. I was informed that the APR on the loan was 31.99%, which is shocking. As a former financial planner, I recognize the predatory nature of this organization, which exploits those in need. They prey on vulnerable individuals, draining their financial resources under the guise of assistance. I strongly advise against trusting this service.
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