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on 9/28/15It appears that Consumer Affairs is manipulated. Also check WOT reviews. I think Consumer Affairs is paid by businesses getting bad reviews. Instant checkmate is a HORRIBLE company. Class action lawsuits to follow I am sure.
Consumer affairs is manipulated as Faith M. Said it is not reliable.
This site is pure and simple and a scam, although they gave me all my money back and I believe they read the reviews on this site.
IMHO sitejabber is the more accurate. Near universal panning.