First of all, let me go on record as saying that I am not at all affiliated with the company. I am just a customer with an experience. I do not believe that Jeannie is a fraud. She really tries. The tradeline process takes time and patience. I have found that she is a person of her word. If the process does not work, she will absolutely provide you with a refund. Just know that she will do everything within her power to get those tradelines to post for you. By the way... She responded to my questions almost immediately, even after the money exchanged hands.