October 2007 I decided to put trust with Hargrave and Associates to repair my credit. They told me it will take 4 months to repair. After waiting 6 months for results and not receiving any, I ask the representative that I spoke to on the phone for the supervisor because they could not answer why my credit has not been fixed. Twice I was disconnected for some strange reason. Yet to this day I have not received anything in the mail as to why my credit has not been repaired. This so called company is another prime example of a rip off. I was better off taking the $250.00 and repairing my own credit. read full review »