I joined FCCC in June 2005. It was only a month or so and they paid my bills late. I was giving them a chance to do well. That never happened. I repeatedly had to call them or fax them and ask them to pay my bills. I have a copy of every phone call I made and every fax that I sent to them. I did at one point tell them that before I joined their company that I was never late on my bills and that they had ruined my credit. They seem to always have an excuse why my bills were not paid. Recently, I got kicked out of the program because... read full review »