Joseph Alexander Not a Broker, thank you for your comment and your disbelief, I respect your opinion.
EZLoan is more nice than EZAdvances.... but anyway thanks for your input, I don't know if you noticed but on my first comment it says what I am offering.

If you would like to work with me and give me an honest opinion after we work together then great, but I believe that is not possible because you are Not a Broker.

And if you are right about the COJ what are they afraid of if it is only required with the people that defaulted in the past if it is decided to fund them. Because for some reason you read COJ but you didn't saw the part that it says even if it can't be used it is only meant for people that defaulted...... and that part was right next to it. But OK.

And about the renewals, thank you for your opinion.

Thank you for leaving your comment, it is really appreciated.