I was so skeptical at first... REALLY SKEPTICAL! I spoke to someone in the Beverly Hills, CA Office---and, was returned a call from Traci Thomas-----THE OWNER. She was so professional; and, made sure that we understood the protocol of the company... Guess What? I looked at my Experian Credit Report, and----ALL FRICKEN' NEGATIVE ACCOUNTS WERE GONE---POOF! In 3 more days, Equifax and Transunion updated... DO---DID----DONE!