This company and their credit repair program is an absolute MUST if you or someone you know is having any credit issues. They are beyond knowledgeable in their field and will walk you through the whole process step by step. After the initial meeting with Joe. I was able to understand exactly how the credit system works and what I needed to do to start helping my score. After doing a few simple steps on my own and their first round of disputes, my score jumped nearly 100 points in the first month alone. This program is not only helping me get to where I want to be from a credit standpoint, but is allowing me to start making better financial choices for my family. I don't know what I would do if I hadn't signed up for their program. It is truly life changing.