Summary of Significant Accounting Policies - Narrative (Details) $ in Thousands	3 Months Ended			9 Months Ended
	Oct. 31, 2020 USD ($)	Jul. 31, 2020 USD ($)	Oct. 31, 2019 USD ($)	Oct. 31, 2020 USD ($) segment	Oct. 31, 2019 USD ($)	Feb. 01, 2020 USD ($)	Jan. 31, 2020 USD ($)	Jan. 31, 2019 USD ($)
Debt Instrument [Line Items]
Number of operating segments | segment				2
Cash and Cash Equivalents and Restricted Cash
Cash and cash equivalents include credit card deposits in-transit	$ 6,300			$ 6,300			$ 4,000
Restricted cash	78,374			78,374			75,370
Receivables [Abstract]
Customer receivables which were current prior to receiving a COVID-19 related deferment	75,800			75,800
Interest Income on Customer Accounts Receivable
Deferred revenue	9,200			9,200			10,600
Nonaccrual status	9,800			9,800			12,500
Amount in bankruptcy and less than 60 days past due	7,200			7,200			12,100
90 days past due and still accruing	102,000			102,000			132,700
Debt Issuance Costs
Deferred debt issuance costs	4,936			$ 4,936			6,797
Income Taxes
Effective tax rate				22.50%	24.10%
Fair Value of Financial Instruments
Long-term debt	574,609			$ 574,609
Accounts Receivable, Allowance for Credit Loss	317,423		$ 213,483	317,423	$ 213,483		233,803	$ 214,879
Income Tax Expense (Benefit)	5,147		3,784	(8,192)	16,201
Income Taxes Tax Expense (Benefit), Net Operating Loss, CARES Act				2,500
Other Income	74,386		96,005	248,396	282,535
Provision for bad debts	27,493		45,925	176,864	135,707
Customer accounts receivable, net of allowances (includes VIE balances of $322,235 and $393,764, respectively)	489,841			489,841		$ 624,042	673,742
Income taxes receivable	10,631			10,631			4,315
Deferred income taxes	44,725			44,725		$ 40,771	18,599
Assets	1,933,456		2,153,151	1,933,456	2,153,151		2,168,769
Revision of Prior Period, Adjustment [Member]
Fair Value of Financial Instruments
Other Income			1,600
Provision for bad debts			3,300
Customer accounts receivable, net of allowances (includes VIE balances of $322,235 and $393,764, respectively)			4,900		4,900
Income taxes receivable			900		900
Deferred income taxes			300		300
Assets			$ 3,700		$ 3,700
Customer Deposits [Member]
Fair Value of Financial Instruments
Deferred Revenue, Revenue Recognized				1,200
RSA Administration Fees [Member]
Fair Value of Financial Instruments
Deferred Revenue, Revenue Recognized				3,300
Historical Charge-Off Estimate [Member]
Fair Value of Financial Instruments
Provision for bad debts		$ 15,800
Senior Notes [Member]
Fair Value of Financial Instruments
Debt fair value	219,000			219,000
Secured Debt [Member]
Fair Value of Financial Instruments
Debt fair value	553,300			553,300
Revolving Credit Facility [Member]
Debt Issuance Costs
Deferred debt issuance costs	4,100			4,100			3,500
Securitized Receivables Servicer [Member]
Cash and Cash Equivalents and Restricted Cash
Restricted cash	9,100			9,100			13,900
Collateral Held by VIE [Member]
Cash and Cash Equivalents and Restricted Cash
Restricted cash	67,300			67,300			59,700
Senior Notes [Member]
Fair Value of Financial Instruments
Long-term debt	227,000			227,000			$ 227,000
Secured Debt [Member]
Fair Value of Financial Instruments
Long-term debt	$ 574,600			$ 574,600