Just one word of friendly warning
Be careful when you make a down payment or go to pay your bill. Don't use your personal credit cards or debit cards. Use Pay Pal or send them a check, money order or use your banks bill pay system. Their website has security issues and the encryption is questionable right now. http://ficoforums.myfico.com/fico/board/message?board.id=creditcard&thread.id=76015