They don't open for business until 1PM eastern time because they are on the west coast. And, they call your references including your boss. So they started making calls to my boss just before 5PM, of course he wasn't around to answer them. I cancelled the whole process. There are WAY better online loan providers to try... and many don't embarass you by calling your references.
WARNING- I just discovered they did a hard pull on my credit report from TransUnion. I don't think TransUnion purges this info as I have history going back to 2006. How do you think "Mr. Payday Easy Loans" is going to look to future lenders on my credit report for years to come? No impact on Equifax though.