Well, I am so glad I found this website that I can't explain it! I need to rehab my husband's credit and fast. I told you guys about this shady credit repair firm, CCS Financial in Utah, that we had been with for a year. Pulling the reports, they just created another file for TU and moved things there. The other files are a mess. Scores are lower now than when we started. Anyway, I wanted to use Vincent, Jones, and Wagner but after reading mre posts, I have decided to do this myself. The results from people on this board and their advice has inspired me to take action. So, I have the credit expert and have all of the credit reports. I am ready to go and get my husband's credit to the A1 catagory. I can't wait; everyone's knowledge and help have made me believe in myself and my ability to do this thing myself and save my money!!!! Thanks, you guys for giving your knowledge unselfishly. I just hope that I can be as successful as others on this board in the credit journey.