I took a big hit! My scores never changed and at the end of a year they wanted another year. I do have a a lot of lawyer friends and I have one filing a suit to get my money back . They didn't do one thing they said and they hardly ever returned a call from me. I t hen called a left a message that I was not happy with the outcome and they said " it's going to take longer than we thought and we need $6000 this time. Oh I don't think so! Beware! This is not a reputable outfit and he is a self absorbed fast talker. But not as fast as my very nasty lawyer friend. I think Bruce will not want to mess with him.