I found the ppl at USAcredit to be either incompetent at their job or very good at selling a scam. $300 and 1 yr later I have never received any reports from them,no change at all in my credit score, repeated attempts to sell me bio-life products...just insanity!! I am very dissatisfied and if you guys have any shred of decency you would refund my garden earned money.Good day. Btw David "Squeeze" Anike,the agent that took my money...is a crook.