My experience was awful. DO NOT TRUST THEM TO GIVE YOUR PERSONAL INFORMATION. I am the webmaster of a website I created an account for my boss 3 years ago with my personal info but with his credit card info. I stopped my job there and after 3 years suddenly I had a call from NCO FINANCIAL COMPANY that I owe some money to 1&1. My boss passed away and his credit card has blocked no one from 1&1 called me to ask about the payment issue. They gave all my personal information to NCO Financial company and because of some dollar, they wanted to ruin my credit score. The guy in NCO financial company was really rude and he talked in a way that I am a thief. AVOID THIS COMPANY IF YOUR CREDIT SCORE AND YOUR PERSONAL INFORMATION ARE IMPORTANT.