I have nothing but positive things to say about this place. The very first month they knocked off like 5 or 6 collections and almost every month after that something came off. My credit scores are now in the 700's and I just got approved for a credit card with a limit over $17000. And they still aren't done there's like 3 more things that they are still working on (stubborn creditors). They work on your report for 12 months but you only pay for 6. How can you beat that. If you need help with your credit this is the place you need to be it's small but they definitely get the job done.