I've used this service for 2 years. After careful consideration and analysis, I have arrived at the conclusion that the performance of this particular company is substandard. Despite no missed payments over a period of two years, the company exhibits significant inefficiencies in processing payments, often taking over ten business days for payoffs to be processed and an additional 4-6 days to clear. As a seasoned financial institution professional of over a decade, I can attest that ACH transactions typically do not take that long to process, except for high securitized accounts involving government, international companies, or billions of dollars. The company cites potential risks as the reason for such delays, which is, in my opinion, an inadequate and unacceptable excuse for impeding clients who seek to improve their credit scores. Moreover, the company fails to disclose the total balance of the loan online, which could be considered a violation of Reg-Z or Reg-TILA, and only provides one payment method, which could constitute a violation of banking and lending regulations. It is critical to beware of businesses that claim to be professionals, as they are only interested in their own financial gain and not in their clients' well-being. The company keeps clients' interest rates at 33%, even when their credit score exceeds 720, indicating a lack of interest in retaining their customers. Those who are on a clearly defined financial path may benefit from exploring other options, as this credit repair service is not cost-effective and lacks quality administrative and account services. If you want actual credit repair that is worth your time, get into Business Credit. For more info: email: yking11supcapholdings.com