I would definitely recommend Credittude Financial Hub to anyone that wants to rid themselves of bad credit and start with a clean slate. I've used them for a couple of months and at the beginning of sign up David and his team were up front and honest about what they would do and could do for me during the process. Within my first two months that had removed 9 items from report that had been dormant for years, including an old repossession and a few charged off accounts that were hurting my credit score and keeping me from moving forward. We all go rough times in our lives where we face hardship or don't make the best choices, especially when we're young, as in my case to speak, and those times come back to hurt us in the long run when trying to build credit or apply for a home loan. That's my next big step. So As a real person that decided to make a change for the better with my life and my credit, I couldn't have been more happier to have been recommended this company Because they've done a remarkable job to say the least and they go for EVERYTHING as quick as they can so that we can get on with our lives. I have more of a understanding how credit works and what NOT to do this time around. Building new credit is always key when trying to establish credit. Check them out, ask your questions. I did.