They are three credit report in one. Two of them have taken unautherized money out of my acoount not once but twice. They have caused overdraft fees at the bank in witch they will not give me back. It has taken me two months to staighten my account out and it still is a miss do to them and I still have a transaction pending with them at the bank. I have closed dawn my card and fixen to close my account do to this.
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