Personal Loan

[yyyyy]

Hello Credit Gurus!

Today i got a personal invitation from Discover.

I want to get  $20,000 of personal loan . 

Have a 30 day satisfaction guarantee.

If i payback within 30 days because i'm not satisfied.

1.Does it gonna improve my Credit history ?

2.If i cancelled the loan is gonna show on my credit file or removed later?

thanks 

[bridgetkaryn]

Why do you want the personal loan? What good will it do you?

It will hurt you with your AAoA and the initial inquiry but it won't hurt or help you to pay it off after 1 month....

I just don't get why you would want to take a loan out and pay it off in a month?