We had a bankruptcy that was filed in 2014. I came across CRN through the radio show they do and they took me on at no cost because i had a bunch of items that were included in my filing but they didn't show on the report right so after 2 years of being out of the bankruptcy my score was still below 600. What they did is really pretty cool, they took about 30 days to do what ever with the credit bureaus and the credit bureaus didn't change anything. They sent me to an attorney who worked for free. The way they explained it was like a car accident where the attorney doesn't get anything unless he wins. It worked out for us and my score is close to 700. They were able to give me a few tips on what to do after the report got fixed. Bottom line, it didn't cost me any money and my credit got fixed. I am very happy.