Aggressive Credit Repair worked for me. I had a score of 640 and it increase 100 points within three months. The source of my low credit score was a couple of items that were in collections (one of which, had been in collections for several years) once those were resolved (or removed) my credit score went up in fairly dramatic fashion. I appreciate the individual attention I received from Lorin and the frankness of our communications. Thanks Lorin!