I went thru 3 companies prior to finding 180 Credit Solutions and got scammed all 3 times. After only 39 days of being in the program my scores have jumped 98 points on Experian, 107 on TransUnion, and 146 points on Equifax. I was also able to purchase a new Lexus with $0 down and 3.9% interest rate! I owe these guys BIG time! 180 Credit Solutions is the only way to go! They are very honest and will work with you on payments!