For years I raved about Working Assets and Credo and now all I can say is stay away, terrible customer service and policies. They offered me a new phone so I took it, it did not work, they sent me another it did not work, they sent me a third, all the same phone with the same problem it did not work, then when I said let me get a different phone, no you can't because you already had 2 this year, this of course was true I had them for a day and the wasted time having to mail them back, so I am still using the tired old phone I got two years ago when they still had phones that worked and good customer service. I even offered to buy a phone somewhere else and use it with them. No go. Stay Away.