ok so i ordered this stretch mark cream last year like in july it said no risk no obligation just pay 2.95 s&h so of course i tried it...which im so disappointed i did i wish i would of researched it more before but anyways then i got a thing in the mail from transworld trying to collect from me when i never even got anything from this company sayin that i had to pay anything so i emailed the customer service for striaex because that is the only way you can get ahold of them cuz the number on there website just tells you to email them well he said that he would try to get me a refund and i asked him if i should send the product back and they said no sending it back would mean i would not get a refund so i didnt then he said that they denied my request for a refund...so i ended up paying transworld...i asked mike (striaex customer service) if i were to pay off transworld would my account be canceled and they said yes...and then months later i have a charge on my account for them trying to charge me again...so i went to my bank and closed my account i wrote the the customer service for striaex tellin them i had proof and emails sayin that they were supposed to close it why are they trying to charge me again they never wrote back but the charge was mysteriously gone from my old account...now i am getting an email saying second notice when i never even got a first notice sayint that i owe them 60.00 for closing my account...like come on what company charges you to close an account...which my account was supposed to be closed like a long time ago they never said anything about an account closed fee are they like making this up like in the last minute trying to get money...idk but this company is a fraud i have all proof that they were supposed to close the account its so lame...but i just want to know if transworld can make your credit go bad if someone can answer this question for me that would be great thank ...i would never recomend this company to another person these people dont deserve to live and there product is crap doesnt even work gave me a rash n made me ithcy