Derick and his staff are phenomenal.They do a great job of explaining the process and making you feel at ease. They put together a game plan that fits your credit situation and your budget. There is no quick fix when it comes to repairing damaged credit, but if you invest your time and energy to change your credit, they will work hard to give you the results you are looking for. My scores are like night and day and the housing crash of 2008-09 that I got caught in is a distant memory.