All I can say is that the results of using FRS were better than expected. I was a victim of identify theft. None of the creditors were willing to budge when I tried on my own. I even used a company prior to FRS that came at a premium without ANY results. Not only did the items get removed from my report as a result of using Financial Renovation Solutions, my scores improved by 140pts! You never have to wonder if they are doing the work, as you can see the progress in the portal along with the personal emails from Shawn. He is always quick to communicate and will also be honest about what can and cannot be removed from your report, rather than just taking your money. I'm thankful for finding FRS, as they were able to get my credit life back on track.