Not quite sure what company you dealt with, but my dealings with the Credit People have been totally above board for what type of company they are. In the two months I've been with them, I've seen 61% of my negative entries removed...which granted, my credit issues are not as severe as some, but it's enough to have raised all of my scores 50+ points in 60 days. I think sometimes if you expect miracles (if your debt is new and verifiable, don't expect a removal), you're disappointed when they don't happen. TCP has actually exceeded my expectations, and at $59/month (not sure if their prices were higher back in 2014 like the $99 you state) it's been worth the investment to not have to do the work myself.