THIS COMPANY WILL PUT FALSE DATES ON YOUR CREDIT REPORT. THIS ALLOWS THEM TO MAKE OLD ACCOUNTS NEW AGAIN AND HURT YOUR SCORE EVEN MORE. THIS IS YET ANOTHER ILLEGAL TACTIC THAT MUST BE EXPOSED AND STOPPED!! I UNDERSTAND THAT DEBT IS A PROBLEM FOR MOST PEOPLE BUT YOU SHOULDN'T TAKE ADVANTAGE OF SOMEONES LACK OF LEGAL KNOWLEDGE TO SCARE THEM INTO PAYING ON SOMETHING THAT HAS EVEN BEEN DELETED FROM PAST REPORTS. read full review »