After tons of research, both my boyfriend and myself decided to improve our credit with Credit Guard. We both have recieved remarkable changes to our score and credit file! My boyfriend jumped up more than 100 points with in about 90 day! When we first singned up he was in worst shape than myself. He was unable to obtain a credit card or even a small loan. Now we have financed a car without a co signer! Credit guard is continuing to improve our credit and giving us useful information on how to improve and rebuild properly.