Avoid at all costs.

Had a HELOC 8 years ago always on time and paid the loan 5 years early. They took our joint credit rating and my wife`s and the lowest rating was 808, no debts and positive history for discharging all accounts and they wanted two more credit reports. I told them no other institution has such demands and each report hurts hurts my credit. They got very rude before I hung up. Avoid this company.