This is the best day so far of my credit repair journey and I cannot thank you all enough. As of today I am 100% without any deroggs on my reports!!!! I have a gold and a Platinum card, my scores have increased at least 30 percent and I just started two months ago. I am still working on my husbands and it will be a longer road for him but I am ready for the challange. Just 10 minutes ago tonight I checked my investigation results and my husbands charge off was deleted from my account!!!!! I am Sooooo happy! Thanks everyone!!!!