1 /5 Cherie Davis: Paying on time for three plus years has no merit, but to classify you in the B category. This company is a trap to keep you financially depended on their services, especially if you are in the B category. The request I wanted was to consolidate all debt to have one monthly payment, to only be told no, because you are in the B group that has been a loyal on time payment client. Someone needs to explain why no help, with no clear explanation. I didallow a call from the person in charge, but they want me to do this survey a second time.