was extremely Skeptical bc of the 1 off comments in the reviews they aren’t accurate you get an in writing guarantee that if the collections aren’t removed you get a full refund on your monthly fees….no other company does that….these guys are nice, polite and walk you through the entire process from start to finish with amazing knowledge of credit and how the system works DO NOT believe the negative comments! they are 100 percent false if a company is scamming you why would they give your money back if they aren’t successful.