Sally says the whole no credit, no problem thing just turned out to not be true.

I gave him 1,500, and then after I gave him the money, he was like, "Yeah, your income's too low."

But the people I spoke with say their experiences with him really set them back.

At the time, it affected me, of course, because I had given birth.

My son was three months old.

I was going through a divorce.

I had a three-year-old daughter, so I needed every dollar.