I signed up with Hargrave and Associates in March of 2008. I did not no about the bullshit that was going on until I tried to apply for credit . I was told that I pulled mt credit too soon by Hargrave and Associates and that I will have to wait another 45 days. I was told that I would receive my credit score in the mail along with a certificate saying that I had completed the course. I have yet to receive anything and it has been 9 fucking months. I am soooo pissed off that it aint funny. read full review »