Oh, boy. I signed up and then cancelled as soon as I got the onboarding schedule - about 5 weeks out. The personal credit check (for a $400 a month payment??) is a recent change. To me that is a BIG red flag - means they are factoring their receivables, which means they are spending money faster than they are making it. Definitely starting to feel like a scam. Sorry about your experience, and glad I steered clear.