Paid $499 to remove inquiries in 30 days or less on all 3 bureaus. Nothing removed. Asked for a refund, no response. Nothing! Raymond Roth will not return my calls or emails. Please do not use this service. It's a SCAM. Contacted BBB of NYC. This is illegal. They're taking your personal information and money and doing god knows what. They won't call, it's an answering machine and not a real business with a cool website. Don't be inticed by the web site, Do your research and you'll see all the clients taken advantage of. Don't read the reviews. Read the complaints; those are real!