I basically didnt exist without good credit my scores were so low i couldnt even get a marshalls card. I was reffered to this company right away i was impressed by the level of professionalism i found in Bonita Grant. She told me how credit worked the organizations how they report. How late and small payments hurt your score. There are many people claiming they fix your credit but never tell you how. They never tell you about the bad spending habbits we have that hurts our credit. Bonita Grant met with me monthly and we went over my score and how it had improved and what was needed on my part to continue in bettering my score. I went from a 400 to 740 in a few months. The program works as long as you follow the guidlines. With bad credit i was paying more for everything. I will never again let my bad spending choices affect my credit again.