DO not use AAA Credit Counselors/KElly Harvey no matter who refers you to her. She is a rip off- took my money and did no work at all!. She is not complaint with the FEderal Laws regarding credit repair organizations and I have filed complaints against her wiht the BBB, FTC and state attorney general. SHe refused to refund my money even after I was able to prove that she didnot do any work read full review »