I had a great experience with united. I started with fourteen delinquent accounts and was being overwhelmed by debt collectors. I took a chance and paid a small monthly fee and they resolved all but three of my accounts. They monitored my credit for the entire time they worked my case, keeping me informed at every turn. The three accounts i couldn't get dropped were sent to their debt settlement department. They settled over 12,000 dollars of credit debt for just under 3000. Since my consultation they have been in continuous contact, ensuring my continued credit success. I'm so happy and grateful to say that after two short years with these guys aiding me my fico score is higher than it ever was. Because of united credit card consultants I am in the market to purchase my first house. Very pleased with my results!