Im a real person who had real credit issues. My friend Shauntez R Pace told me about a lady in the Louisville area that could help me. I called her and over the last 7months 31 items have been removed from my credit report. She gave very specific instructions! Don't apply for any new credit and don't contact your debtors! Let the process play out! I can stand and tell you that my credit score in 7 months have rose nearly 200 Points! Thank you Julia King! I now have my own car, credit cards, place to live and most importantly self respect!