I wish I could leave ZERO stars.I used pay in 3 credit service.Despite clearing the balance in full they raised a late fee on my credit file. I paid twice to try and rectify it and they still haven’t cleared my balance!! I raised a complaint and it’s been weeks without response. Don’t use their credit services because are utterly incompetent at claiming payments and updating payment records. They need to be shut down. It’s an outdated system that no longer works and is borderline unscrupulous.I literally cannot get any help from anyone either, by phone or email.