I guess that settles it , I ' m ryan gosling ' s mentally challenged twin . I ' m ok with that <| sep |> It is ! He is a great dude . I have bought a few rods from him in the past . Would highly recommend if you are in the market for a custom setup . <| sep |> My brother was one of the victim of those company , they said it wouldn ' t hurt your credit , they completely destroyed his , this was how they did for my brother , they made him sign the contract which authorize them to all his credit related , SSN , they told him to max out all his credit cards , each of them , they took 30 % of it as of payment , my brother did . Then they filed bankruptcy for him , his credit ? You guess . What did they do ? Basically put everything on my brother and call it done , he is now re building his credit from a very hard lesson . Don ' t listen to them , pay your own bills , you can do it !