Austin Capital Bank runs a division called Credit Strong which is supposed to help people improve their credit score. Credit Strong is worse than any Payday loan company based on interest rate and customer service. To save $1,000, you have to pay $15 per month for 120 months. That's 10 YEARS!! At the end of that time, you will have paid in $1,800, which means you paid in $800 in interest over that time! I don't know of any other company that charges 80% interest. Once you figure out the scam, it's too late to get your information removed from their system in a timely fashion. At first they told me the application would expire in 30 days, then they told me the Patriot Act requires them to keep my information for 7 years. So if I ever get my identity stolen this will be a prime place to look for data breeches. This program is a scam. Use Level Credit or Experian boost instead.