Unfortunately USA credit repair has not helped me much at all. I have been with them (making and completed all payments) for over a year now and I have seen no significant changes to my credit report as a result of their work. My score has increased due to payments made and letters I have made and sent myself to debt collectors (I did this 6-8 months in with USA credit repair when I noticed that no changes were being made) which had increased my overall scores. I have been disappointed with USA credit repair’s claim to be able to remove a bankruptcy through their legal department (of which I paid the additional fee). I’ve given this over a year before any complaints just to be patient with the process but I have to be honest. I was hoping for a better outcome.