we have less than perfect credit so i got online to apply for a bad credit loan. a guy called us and said we were approved.he need $1400.00 to cover ins.on the loan.we were so excited and were not thinking. he said his name was john walters from boston, mass. we were told to send 2 -$700.00 western unions to 2- different people in halifax canada, DUH! then he said he had micalculated and we needed to send $500.00 more so we sent it DUH! needless to say we never got our loan.we gave him every dime we had, our rent, utility money, everything and the little smuck scammed us. evidently someone or some business sold him our info. so if you ever hear of this company or the names john walters, tim white, or tony flooring run like crazy because they are major crooks. it's best not to even apply online