I agree with the lady who has posted below. The Credit Physician is nothing but a scam operation, and all of the very positive testimonials you see here on this site were all written by "Dr." Mike himself. How can one tell? First, this is a complaint website, so very few people are going to come to this site and write positive testimonials. There are plenty of other websites were those are more appropriate. More importantly, every single "positive testimonial" on here all have Mike's tell-tale ignorance of proper... read full review »