When I joined he keeps telling me that they sent out challenges and it could take up to 90 to hear back. They just take your money and email you monthly that challenges were sent out! This is a scam so he will bill you!! I tried canceling twice, and they try lowering your monthly bill and when you finally get canceled you still get billed you for the next month. I had to call the bank and stop the automatic payment that comes out every month. At this point I'm out $300 User's recommendation: Do not use this company Credit Repair.com they take take your money and don't do anything for you I signed up in July 2020, all they have done is said they sent out challenges. They told me it'.