Zip is awful and their customer service isn’t any better. They pinged my credit for loans and such 15 times, even though I only applied 2 times. They kept giving me the run around as to why my credit was being pinged when I had not applied for anything other than those 2 times, even AFTER I closed my account with them. I filed a BBB complaint against them and none with customer service could give an answer other than the run around excuses that I’d already heard. Shady company and if you value your credit score, stay away! They do more than just soft credit checks as they imply! My credit score dipped because Zip checked it over 15 times in a months time!