Not to be nosey, but how many of you REALLY consider Junum to be worth the $$? How long does it take them to "clean up a crappy credit report"? I know for a fact that I have something called E credit. Whatever this is, it is not good. Some of you seem to have really good success with Junum and some of you seem to only get about HALF of what you want removed REMOVED. How many of you are really better off with Junum than you would be if you went through Consumer Credit Counseling Service or a Bankruptcy attorney?