This place is horrible. I was referred to them by a good friend of mine and was highly disappointed. My credit score has not even risen 10 point since they have acquired my account almost a year ago. The owners Desire , and Emma Jones appeared very friendly and helpful. But they just want money and they will work your account the first month or two and just toss it. They follow up phone calls stop, and they proceed to tell how busy they are with other clients and they cant return your phone calls. Save the $2,000 I wasted on them. DON'T DO IT!!!!