This company took $993.35 from me and didn't do a thing for me except take down my info wrong. Which then I didn't receive their 'welcome package'. So, I called and canceled my account and I got no refund what so ever. I got my 'welcome package' 1 month later which had instructions on the steps to take to start the process. Receiving my package so late apparently allowed them to charge me a penalty fee of $993.35 for doing nothing. Beware of these companies. They like to talk and put you at ease. That's all they do. Call the credit card companies yourself and they will work with you. Unfortunately for me I found this out the hard way.