This is the worst experience ever, they have the worst customer service, they are a liars, disrespectful, do not honor their word. It was offered six months to fix my credit, 16 months after and nothing. They schedule a phone call and do not call, they do not have professional ethics, it has been a bad bad experience, and my credit still bad. I would give a score of zero, but it doesn't take zeros. I am claiming my money back, which would be the least they can do after this waist of time. I am ready to report them and let everybody know here in USA how bad TFP is.