Don't you hate bogus reviews by either some "employee" from their own company writing a bogus review from a made up person, that sounds like it has been written by a toddler from a foreign company or a review written by A.I. ? Both in my experience are easily recognized by me as complete B.S. and mean nothing. I would hope this is also recognized by any serious Marketer or informed individuals that are looking for an earnest testimonial about a product or service that helped them in such a way that they feel compelled to champion that product or experience in a positive way. Or, if that same product or service did nothing as "advertised" they made sure to sound the alarm to warn a savvy consumer to stay away from the path the "Donner Party" mistakenly took on their ill fated western wagon trip in the 19th century. So, let me just say the Customer Service is the shining star here that is always professional we you talk to them and to me if a company doesn't offer a phone number to a customer service department seven days a week that is a red flag. They do. The product they offer in their three credit bureau report is unique, plus all the other services you can get with tips on improving your score and monitoring your repots for accuracy. They are great and it is a reason they have a REAL FIVE STAR Review history. They look at a long term relationship with their customers and treat you as such. All I can say, "factually" about them, and decided to voice that experience to help others decide to give them a try.