I can't help but like their customer service. I called re: my app and found I was denied. I was hoping they would check Equifax but they checked TU. I explained that TU refused to delete an erroneous medical collection and that if he would check Equifax he would find that I had excellent credit. He then said that he would re-submit the app and use Equifax instead if I wanted. He's going to call me tomorrow. I'll keep you posted. This might be a breakthru! If you can steer a potential creditor to your best credit report, why not? Also, this is about credability. If TU can't get it right, why should creditors use them?