I used GE MONEY w/Empire carpet co. GE or Empire never told me that they subcontracted with each other on the loan and the actual work that was done. I also was never informed about a 20 something percent interest rate on the loan itself . I attempted to contact their officals about adjusting the rate to fit my very good credit score, and they refuse to do so. they stated that they didn't care about my good credit that got me the deal in the first place, they just want to collect all the money that came w/ the high interest rate. They also attempted to charge me lots of additional fees each month, even if the payments are on time. I thought high interest rates are for people who have a history of bad credit or late payments, i guest i was wrong. I will never used Empire Carpets or GE MONEY BANK again. I encourage all consumers to do the same.