To say I am impressed is an understatement!! Starting out I had 18 negative accounts on my credit report and at least half of them had balances. A year and a half later I have 4 negative accounts with no balances and he is still working hard to get those off as well. My credit report has never looked this polished and my score has never been this high. Eternally grateful for Lorin’s hard work. As a single mom of 2 this has been affordable and has not required a lot of my time. Thank you again Lorin!