Hi, you do have to send a down payment for whatever you may purchase on their website before they do anything. I opened up a crown jewlers account end of may, I purchased a necklace, sent them a money order for the down payment arount $40.00 and received the necklace on June 10, 2008 via ups. To this day I am still awaiting for them to report to the cra's TU and EX I ask about this through a thread and someone replied they report in the beginning of every month and I just missed it so hopefully and anxiously awaiting for the beginning of July to see what happens, if you haven't done anything yet I would do it now to get the ball rolling. Good Luck
Starting Score: EQ 546 TU 566
Current Score: EQ 693TU 08 729 EX 08 738Need to Garden/New Accounts
Goal Score: 800