Melissa and Edward Kennedy along other family members are scamming lots of people including myself, they have closed instant credit builders and are now operating on a church called ' HIGHER GROUNDS CHURCH' I have more information on them to whoever is interested on a lawsuit and criminal investigation. They have posted a message on their site offering customer service number to fool us, theres no live person and they never return phone calls. I would love to give more information about this con-artists family to anyone still waiting for a refund from them!