This month I needed a loan so I applied with them. I did it online and I was supposed to receive a response in 2 hours (24 hours a day, 7 days a week). This was on Sunday afternoon. Never received anything. Finally on TUESDAY afternoon I called. They said it was still being reviewed although it was initially declined because of lack of credit since b/k. I said are you kidding, I have a car loan (3 years) about 5 credit cards and I refinanced my house since that time. She said it was being reviewed again and would go to a manager. Later that day I called back and they said it was denied because I have too much unsecured debt now. So I ask for a secured loan against my savings and they say fine. I go to pick up the check and she has me sign the papers, I notice they have under debts and obligations things from several years ago. Not a single debt that they showed did I still have. I asked them why they did this. She said they just grabbed an old credit report they had when I requested this secured loan but they did run a regular report for my application. She even pulled my file and showed me the current report. I said I don't understand how this found it's way into anything and I can't help but feel that the decision was partially based on this very old, eronneous information. She insisted it wasn't but why else would it be on my loan papers. Gosh I HATE THEM!!!!!!! They have been so snotty and rude to me, I could just kick myself for ever being stupid enough to try to build a relationship with them. Oh yeah, when I asked why I didn't receive a response within two hours, she told me that was unreasonable to expect!!!!! They are the ones that have it on their website application!!!!! Oh yeah, when I got my notice in the mail for the decline, it said not enough credit since b/k again. I think they were just looking for reasons to deny me. Did I mention that I really hate them.