I want to warn everyone about this company. If you have any questions about them, please go to ripoffreport.com. Basically when you sumbit information for a payday loan, the charge you 19.95 and will deny the loan for some crazy reason, like they can't verify information or you have previous loan with another teletrack lender. But they will still charge your account. I had my bank return the fee and then was hit with a $44. charge twice. Thankfully my bank returned both items and placed a block on anymore debits from this company.