I enrolled in the program in March 2010 and cancelled my membership in May 2010. I paid approx. $1600.00 and they are only offering to refund $400.00. None of my creditors were ever contacted. I was told that they immediately register my name on a list of people who have credit problems. I am very disappointed in credit answers. Hopefully with the new rules that FCC has, will help the next person who is considering enrolling in their program.